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Gulo, Heniwati
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Journal : Economics and Business Journal

 1 
The Effect of Seasonal Cycles and Fish Price Fluctuations on Financial Literacy of Fishermen In Sifalaete Ulu Village, Gunungsitoli District Zebua, Masnia; Buulolo, Nanny Artatina; Gulo, Heniwati; Zebua, Serniati
Economics and Business Journal (ECBIS) Vol. 4 No. 1 (2025): November
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i1.233

Abstract

The purpose of this study is to analyze, partially and simultaneously, the influence of seasonal cycles and fish price fluctuations on the financial literacy of fishermen in Sifalaete Ulu Village. Partially, this study aims to determine the effect of seasonal cycles on fishermen's financial literacy, as well as the effect of fish price fluctuations on fishermen's financial literacy. Simultaneously, this study aims to determine the effect of both variables together on fishermen's financial literacy. This study used a quantitative approach with data collected through questionnaires from 57 active fishermen. Data were analyzed using multiple linear regression to test the partial and simultaneous effects. The results show that partially, seasonal cycles have a negative and significant effect on fishermen's financial literacy, while fish price fluctuations have a positive and significant effect on fishermen's financial literacy. Simultaneously, seasonal cycles and fish price fluctuations have a significant effect on fishermen's financial literacy. Income uncertainty due to these two factors causes fishermen to experience difficulties in financial planning, lack savings or emergency funds, and tend to rely on debt. In addition, low levels of education and minimal financial literacy training also hinder effective financial management
The Influence of Financial Literacy on Financial Behavior and Financial Management of MSME Actors In Pasar Village, Gunungsitoli District Lombu, Vivin Putri Hartaty; Hulu, Perlindungan Faebuadodo; Kakisina, Sophia Molinda; Gulo, Heniwati
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.249

Abstract

This study aims to analyze the influence of financial literacy on financial behavior and financial management in Micro, Small, and Medium Enterprises (MSMEs) in Pasar Village, Gunungsitoli District. The background of the study indicates that MSMEs have a crucial role in the Indonesian economy, but many MSMEs still face challenges in financial management due to a lack of financial literacy. This study used a quantitative approach by distributing questionnaires to 158 MSMEs in the area. The results of the analysis indicate that financial literacy has a positive and significant influence on both financial behavior and financial management of MSMEs. MSMEs with higher levels of financial literacy tend to exhibit healthier financial behaviors, such as the ability to manage expenses, create budgets, and save. Similarly, good financial literacy significantly improves MSMEs' abilities in planning, recording, reporting, and evaluating business finances. Multivariate analysis confirmed that financial literacy simultaneously significantly influences both aspects. The high coefficient of determination (80.7% for financial behavior and 83.7% for financial management) indicates that financial literacy is a dominant factor in explaining variation in both dependent variables.
Analysis of Human Resource Planning in Facing Challenges in The Digital Era at State Vocational School 2 Gunungsitoli, Gunungsitoli City Mendrofa, Jepi Masa; Zega, Yamolala; Gulo, Heniwati; Waruwu, Robin Markus Putra
Economics and Business Journal (ECBIS) Vol. 4 No. 1 (2025): November
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i1.241

Abstract

This study aims to analyze human resource (HR) management planning, identify obstacles, and formulate efforts to support the digitalization of school management. The study used a qualitative descriptive approach with in-depth interviews, observation, and documentation techniques with the principal, vice principal, teachers, and administrative staff. The results showed that HR planning at SMK Negeri 2 Gunungsitoli was carried out through three main steps: (1) needs analysis and preparation of technology-based teacher formation, (2) competency mapping and identification of information and communication technology (ICT) training needs, and (3) empowerment of teachers and staff through workshops, mentoring, and discussion forums. Obstacles faced included limited digital literacy among teachers and staff, unequal network access, and resistance to changes in technology-based learning methods. Efforts made by the school included providing digital literacy training, optimizing available devices and networks, utilizing offline learning applications, and creating a work culture that is adaptive to innovation. This study concluded that targeted HR planning, infrastructure support, and continuous competency development are important factors in realizing effective digital transformation in schools. These findings are expected to be useful for SMK Negeri 2 Gunungsitoli, other educational institutions, and further researchers in developing digitalization strategies for school management.
Analysis of Digital Marketing Strategy in Increasing Sales at Murai Coffee Gunungsitoli Mendrofa, Soterman Fotendo Kristian; Bate’e, Maria Magdalena; Harefa, Idarni; Gulo, Heniwati
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.252

Abstract

This research is motivated by the phenomenon of suboptimal digital marketing strategies implemented by Murai Coffee Gunungsitoli, which have resulted in decreased visibility and sales. The research objective is to analyze the implemented strategies, identify challenges, and formulate optimal strategies to increase sales. The approach used is qualitative with interview, observation, and documentation techniques, as well as descriptive data analysis. The results show that previous digital marketing strategies have contributed to increased visibility, but have not been managed consistently and creatively. Challenges faced include limited resources, content planning, and audience interaction. Research recommendations include content consistency and innovation, optimization of social media features, and regular evaluation of digital campaigns to encourage buying interest and sustainable sales
Analysis of Production Optimization in Increasing Profits at UD. Tahu Nias Laoli, Rukun Fataya; Gea, Jeliswan Berkat Iman Jaya; Zebua, Serniati; Gulo, Heniwati
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.262

Abstract

Production optimization is a key to increasing efficiency and profitability, especially in businesses such as UD. Tahu Nias in Hiligodu Ombolata Village, Gunungsitoli City, which operates in the tofu production sector. This research is motivated by the production challenges faced by the company, such as limited equipment, late raw material supplies, and an unskilled workforce, which impact the inefficiency of the production process and decrease the level of profitability. The method used in this study is a qualitative descriptive approach with data collection techniques through interviews, observation, and documentation. Informants consisted of the owner, production employees, and other support staff. The results of the study indicate that the production process at UD. Tahu Nias still has manual stages with limited use of machines, especially only at the soybean milling stage. The main obstacles in optimizing production include late raw material supplies, the lack of technology and training for employees. However, the company has made several efforts such as strategic raw material management and efficient division of labor among employees. The conclusion of this study is that production optimization at UD. Nias tofu can be improved through the use of advanced equipment in more modern production facilities, employee skills development through training, and improved production and distribution planning. By implementing these strategies, the company has the potential to sustainably increase operational efficiency and profitability.
Development of Micro, Small and Medium Enterprises (MSMEs) Based on Creative Industry in Ulunoyo District, South Nias Regency Ndruru, Hubertus Harisman; Zebua, Dedi Irawan; Bate'e, Maria Magdalena; Gulo, Heniwati
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.271

Abstract

This study examines the development of creative industry-based Micro, Small, and Medium Enterprises (MSMEs) in Ulunoyo District, South Nias Regency, with a focus on four main sectors: culinary, crafts, fashion, and music. The purpose of this study is to describe the condition of creative MSMEs in Ulunoyo, identify the obstacles faced, and analyze the development strategies implemented by business actors to increase competitiveness. The method used is descriptive qualitative with data collection techniques through interviews, field observations, and documentation of 21 MSME actors in five villages. Data analysis was carried out through reduction, presentation, and verification of findings. The results show that the development of creative MSMEs in Ulunoyo is supported by the potential of community creativity, strategic location, and the existence of traditional markets as distribution centers. Development strategies include improving product quality, business diversification, design innovation, and the use of digital technology for promotion and marketing. However, a number of major obstacles are still encountered, including limited business capital, rising raw material prices, low managerial skills, lack of product innovation, limited market access, and high levels of competition. To overcome these obstacles, business actors carry out creative promotions, expand their collaboration networks, and utilize social media to reach a wider consumer base.
Co-Authors Arisman Telaumbanua Bate'e, Maria Magdalena Bate’e, Maria Magdalena Bate’e, Yarman Buulolo, Nanny A. Buulolo, Nanny Artatina Buulolo, Sanida Duha, Tiarni ELIYUNUS WARUWU Gea, Jeliswan Berkat Iman Jaya Giawa, Fani Eldiana Gulo, Sukurman Halawa, Febiana Feniman Halawa, Forman Harefa, Asrawati Harefa, Efin Kristian Harefa, Idarni Hia, Leader Mawarni Solidaritas Hia, Yulia Finta Ningsih Hulu, Perlindungan Faebuadodo Idarni Harefa Kakisina, Sophia Molinda Krisgav Ratnasari Mendrofa Laia, Otanius Laoli, Herman Ododogo Laoli, Rukun Fataya Lombu, Vivin Putri Hartaty Meiman Hidayat Waruwu Mendrofa, Jepi Masa Mendrofa, Martha Surya Dinata Mendrofa, Soterman Fotendo Kristian Mendrofa, Syah Abadi Mendrofa, Yupiter Mentari, Cut Tiur Nazara, Setiaman Ndruru, Dedisius Ndruru, Hubertus Harisman Palindungan Lahagu Serniati Zebua Tafonao, Musartika Telaumbanua, Aferiaman Telaumbanua, Falentinus Teguh Karya Telaumbanua, Otolius Waruwu, Robin Markus Putra Zai, Kurniawan Sarototonafo Zebua, Augusmina Zebua, Dedi Irawan Zebua, Kristian Zebua, Masnia Zebua, Sonifati Saro Zebua, Tiara Natalia Zebua, Triwan Putra Zega, Nestar Nosama Zega, Rohani Zega, Yamolala