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All Journal Visi Sosial Humaniora Golden Ratio of Data in Summary Innovative: Journal Of Social Science Research
Bu’ulolo, Nanny A.
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Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The Effect of Financial Management on Revenue for SME Actors in Gomo District South Nias, Indonesia Hulu, Ernamawati; Hulu, Perlindungan F.; Bu’ulolo, Nanny A.; Kakisina, SophiaM.
Golden Ratio of Data in Summary Vol. 5 No. 2 (2025): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i2.676

Abstract

From the observations, most SME actors in Gomo District, South Nias Regency still have minimal basic knowledge of good financial management. This is shown by the fact that most SME actors do not yet have financial reports, such as cash books, profit, and loss reports, and balance sheets, and have not saved for the future, invested, or taken out insurance, many of them still cannot separate personal finances from business finances. With this lack of knowledge of financial management, they cannot manage their expenses properly. Observations show that many SME actors often have difficulty reporting their financial position and calculating turnover, and business profits. The purpose of this study was to determine the Effect of Financial Management on Income for SME Actors in Gomo District, South Nias Regency. The population of this study was all Micro, Small, and Medium Enterprises in Gomo District, South Nias Regency. The results of the study showed that financial management had a significant effect on income.
Analysis of Factors Influencing the Financial Behavior of the Young Generation Sarumaha, Cindy K.; Bu’ulolo, Nanny A.; Zebua, Serniati; Zai, Kurniawan S.
Golden Ratio of Data in Summary Vol. 5 No. 4 (2025): August - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i4.668

Abstract

This study aims to determine the influence of financial literacy factors, income levels, and financial experience on the financial behavior of students of the Faculty of Economics, Nias University. The data collection method in this study uses primary data obtained from the results of filling out questionnaires to 95 respondents of students of the Faculty of Economics, Nias University, as well as secondary data obtained from journals related to this study. The data analysis methods used are validity test, reliability test, correlation coefficient test, determinant coefficient test, heteroscedasticity test, multiple linear regression test, T test and F test. The results of this study indicate that financial literacy factors, income levels and financial experience have a significant effect on financial behavior partially. Simultaneously, financial literacy factors, income levels and financial experience have a 57.8% influence on financial behavior with 42.2% influenced by other factors not discussed in this study.
The Effect of Financial Literacy on Financial Behavior of Micro, Small and Medium Enterprises (SMEs) in Ulugawo District, Nias Regency Zai, Sambuani; Hulu, Perlindungan F.; Bate’e, Maria Magdalena; Bu’ulolo, Nanny A.
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.564

Abstract

Low financial literacy has significant implications, including restricted access to financial institutions and mismanagement of money and wealth. A common consequence of low financial literacy is the limited access to financial services, often restricted to banks. This issue is particularly prevalent among Micro, Small, and Medium Enterprises (MSMEs), where poor financial literacy hinders both business growth and economic development. Many individuals lack the financial knowledge necessary to manage investments, pay bills on time, and maintain a budget, all of which are essential for sound financial management. In the case of MSME actors in Ulugawo sub-district, observations reveal that many do not have a clear understanding of financial management, nor do they maintain proper financial records. This lack of financial knowledge often leads to difficulties in organizing expenditures and managing finances. As a result, many MSMEs struggle to present their financial standing clearly, making them ineligible for capital credit access. The purpose of this study was to examine the impact of financial literacy on the financial behavior of MSME actors in Ulugawo, Nias. The research employed a quantitative descriptive approach, with data collected through questionnaires. The data analysis revealed that financial literacy accounts for 70% of the variation in financial behavior among MSMEs in Ulugawo, indicating that the remaining 30% is influenced by other factors not covered in this study. The t-test results for the financial literacy variable (X) showed a t-value of 2.191, with a significance level of 5%. The calculated r-value was greater than the critical r-value (r-calculated > r-estimated, 1.6759), confirming the significant influence of financial literacy on financial behavior.
The Effect of Financial Literacy on the Financial Management of Students Halawa, Ester; Bate’e, Maria Magdalena; Bu’ulolo, Nanny A.; Telaumbanua, Aferiaman
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.569

Abstract

This study aims to determine the effect of financial literacy on financial management of SMA Negeri 1 Ulunoyo students and the magnitude of the effect of financial literacy on financial management of SMA Negeri 1 Ulunoyo students. The method used in this research is quantitative method. The data collection technique used a questionnaire (Likert Scale). Data analysis techniques used to strengthen questionnaire data are validity test, reliability test, correlation coefficient, linear regression, determinant coefficient, hypothesis testing, normality test, multicollinearity test and heteroscedasticity test. This study used 58 respondents with Simple Random Sampling data collection technique. The results of this study indicate that Financial Literacy affects the Financial Management of SMA Negeri 1 Ulunoyo, South Nias Regency by 54.8%, while 45.2% is influenced by factors not in this study. With increased financial literacy, students will increasingly manage their finances wisely, carefully and regularly by applying indicators of each financial literacy variable and financial management variable, so that students can prepare for future needs and finances.
The Influence of Financial Knowledge and Financial Attitudes on Financial Management Behavior on UMKM Actors in Lahomi Sub-District Daeli, Dimensi; F. Hulu, Perlindungan; Bu’ulolo, Nanny A.; Bate’e, Maria Magdalena
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.575

Abstract

This research aims to determine the influence of financial knowledge and financial attitudes towards financial management behavior among MSMEs in Lahomi sub-district. This research is included in associative research. This result of the research shows that (1) there is a positive and significant influence of financial knowledge on financial management behavior among MSMEs in Lahomi District (2) there is a positive and significant influence of financial attitudes on financial management behavior among MSMs in Lahomi District (3) there is a positive and not significant influence on the financial management behavior of MSMEs in Lahomi District.
Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan Pribadi Mahasiswa STP Dian Mandala Gunungsitoli Nias Keuskupan Sibolga Halawa, Valentina Murniwati; Bate’e, Maria Magdalena; Hulu, Perlindungan F.; Bu’ulolo, Nanny A.
Visi Sosial Humaniora Vol. 5 No. 1 (2024): Visi Sosial Humaniora: Edisi Juni 2024
Publisher : LPPM Universitas HKBP Nommensen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51622/vsh.v5i1.2306

Abstract

This research aims to find out whether financial literacy has an effect positive towards the personal financial management of STP Dian Mandala Students, to find out how much influence financial literacy has in managing students personal finances, and to find out whether financial literacy can overcome students difficulties in having high consumer behavior towards managing students personal finances. The research was conducted at the STP Dian Mandala Gunungsitoli Nias Campus, Sibolga Diocese. The research method used is a quantitative method with data collection through distributing questionnaires, documentation, and interviews, observation. The respondents in this research were 64 students respondents. The results of this research show that the influence of financial literacy has a very significant influence on students personal financial management, amounting to 71.2%. With increased financial literacy, students will increasingly be able to manage their finances wisely, carefully and regularly by applying indicators from each financial literacy variable and personal financial management variable so that students can prepare for their needs and finances in the future.
Analisis Peran Teknologi Finansial dan Literasi Keuangan Dalam Meningkatkan Akses Inklusi Keuangan Pada UKM di Kota Gunungsitoli Zai, Vinsen April Linus; Harefa, Idarni; Bu’ulolo, Nanny A.; Telaumbanua, Aferiaman
Innovative: Journal Of Social Science Research Vol. 4 No. 2 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i2.9598

Abstract

Inklusi keuangan mengacu pada ketersediaan dan kemudahan akses layanan keuangan tanpa hambatan, menjadi kunci dalam meningkatkan kesejahteraan masyarakat. Di era digitalisasi, upaya meningkatkan inklusi keuangan didukung oleh layanan teknologi finansial dan literasi keuangan yang semakin berkembang. Namun, kendala utama muncul karena layanan teknologi finansial belum sepenuhnya dimanfaatkan dengan optimal, menyebabkan dampak yang kurang optimal dan menghambat akses inklusi keuangan.Penelitian ini menggunakan pendekatan deskriptif kualitatif untuk menganalisis peran teknologi finansial dalam meningkatkan akses inklusi keuangan pada Usaha Kecil Menengah (UKM) di Kota Gunungsitoli, serta dampak pemanfaatan layanan tersebut. Hasil penelitian menunjukkan bahwa penggunaan layanan keuangan berbasis teknologi finansial memberikan kontribusi signifikan dalam meningkatkan akses inklusi keuangan dan berdampak positif pada keberlanjutan UKM. Dengan demikian, penulis menyimpulkan bahwa pemahaman yang baik dalam memanfaatkan layanan teknologi finansial membuka akses lebih luas, memperkuat inklusi keuangan, dan memberikan dampak positif pada pertumbuhan Usaha Kecil Menengah di Kota Gunungsitoli. Implikasi temuan ini diharapkan menjadi dasar untuk pengembangan kebijakan dan strategi pendukung, serta memotivasi pelaku industri, pemerintah, dan lembaga keuangan untuk terus mendorong inovasi dan pemanfaatan teknologi finansial guna mendukung inklusi keuangan yang lebih efektif di tingkat lokal.
Co-Authors Bate’e, Maria Magdalena Daeli, Dimensi F. Hulu, Perlindungan Halawa, Ester Halawa, Valentina Murniwati Harefa, Idarni Hulu, Ernamawati Hulu, Perlindungan F. Kakisina, SophiaM. Sarumaha, Cindy K. Serniati Zebua Telaumbanua, Aferiaman Zai, Kurniawan S. Zai, Sambuani Zai, Vinsen April Linus