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All Journal Journal of Artificial Intelligence and Digital Business Indonesian Journal of Enterprise Architecture
Serang, Robert A.
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Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Social Sciences

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Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Pengelolaan Keuangan Ibu Rumah Tangga Di Kota Kupang Serang, Robert A.; Mbado, Margarethy Rohanie; Nawi, Julianti Marinsa
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.1303

Abstract

Pengaruh Literasi Keeuangan dan Gaya Hidup Terhadap Pengelolaan Keuangan ibu Rumah Tangga di Kota Kupang. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan gaya hidup terhdap pengelolaan keuangan ibu rumah tanggga yang ada di Kota Kupang. Dalam penelitian metode yang digunakan adalah metode kuantitatif, sampel dalam penelitian ini sebanyak 398 responden. Teknik pengumpulan analisis data yang peneliti gunakan dalam penelitian ini untuk mengetahui pengaruh antara Literasi Keuangan dan Gaya Hidup terhadap Pengelolaan Keuangan, peneliti menggunakan Uji Validitas, Uji Relibialitas, Uji Asumsi klasik, Uji Normalitas, Uji Multikolinearitas, Uji Analisis Regresi Linear Berganda, Uji Parsial (Uji T), Uji Simultan (Uji F) dan Koefisien Determinasi (R2). Hasil analisis regresi linear berganda dengan nilai konstanta ɑ sebesar 20.430 sedangkan koefisien b1=0,337, b2=0,054. Dengan demikian persamaan regresi linear berganda yang memperhatikan pengaruh Literasi Keuangan (X1) Dan Gaya Hidup (X2) Terhadap Pengelolaan Keuangan (Y) adalah sebagai berikut Y= 20.430 + 0,337 + 0,054 + e. Selain itu hasil uji hipotesis pertama yaitu Literasi Keuangan (X1) berpengaruh terhadap pengelolan keuangan (Y). Diketahui bahwa untuk untuk variabel Literasi Keuangan (X1) di temukan nilai Thitung 9,925 > Ttabel 1,649 dengan tingkat signifikan = 0,000. 
Reconfiguring SME Value Through Branding: A Resource-Based Perspective from Local Enterprises in Rote Ndao Aboladaka, Jusuf; Bessie, Donny Mercys; Serang, Robert A.; Kase, Alfred G.O
Indonesian Journal of Enterprise Architecture Vol. 3 No. 1 (2026): Indonesian Journal of Enterprise Architecture
Publisher : Global Research and Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/ijea.v3i1.659

Abstract

Strengthening the competitiveness of Small and Medium Enterprises (SMEs) through branding strategies is a crucial issue amidst limited market access and low product differentiation, particularly in local economy-based areas such as Rote Ndao Regency. This study aims to analyze the application of branding models to increase the selling value of SME products and identify relevant strengthening strategies based on local wisdom. The research employed a qualitative approach with a case study design, using data collection techniques such as in-depth interviews, observation, and document analysis with selected SMEs using purposive sampling. Data analysis was conducted through interactive data reduction, presentation, and conclusion drawing. The results indicate that the application of branding elements, including brand identity, positioning, brand communication, storytelling, and brand experience, significantly increases the selling value of SME products. SMEs that implement branding in a more structured manner tend to have higher perceived value, stronger market appeal, and broader market penetration capabilities. However, limited resource capacity, low branding literacy, and minimal use of digital technology remain major obstacles to optimizing this strategy. The implications of this research emphasize that branding is not merely a promotional tool, but rather a strategic asset based on internal resources capable of creating sustainable competitive advantage. Therefore, policy interventions such as intensive mentoring, strengthening digital capacity, and integrating local values ​​into branding strategies are needed to encourage the transformation of SMEs into more competitive markets.
Co-Authors Alfred G.O Kase Bessie, Donny Mercys Jusuf Aboladaka Margarethy Rohanie Mbado Nawi, Julianti Marinsa