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All Journal Economics and Digital Business Review Visi Sosial Humaniora Golden Ratio of Data in Summary
Zai, Kurniawan S.
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Arts Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Pengaruh Karakteristik Demografis Terhadap Perilaku Pengelolaan Keuangan Keluarga Studi Kasus Pada Pasangan Menikah di Desa Hiliganowo Kecamatan Telukdalam Kabupaten Nias Selatan Duha, Sesri Handayani; Bate'e, Maria Magdalena; Zai, Kurniawan S.
Economics and Digital Business Review Vol. 7 No. 1 (2025): Agustus - Januari
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v7i1.3091

Abstract

Penelitian dilaksanakan di Desa Hiliganowo Kecamatan Telukdalam Kabupaten Nias Selatan, berdasarkan fenomena masalah peneliti menemukan menurunnya pendapatan akan mempengaruhi karakteristik dan perilaku tidak baik di pihak suami maupun istri yang akan menimbulkan konflik dan pertengkaran diantara keduanya. Tujuan penelitian ini adalah untuk mengetahui pengaruh karakteristik demografis terhadap perilaku pengelolaan keuangan keluarga, teknik pengumpulan data dengan cara observasi, dan penyebaran angket (kuesioner) kepada responden pelanggan sebanyak 36 responden. Sedangkan pada pengujian analisis data menggunakan uji validitas, uji reliabilitas, analisis koefisien korelasi, koefisien determinan, uji hipotesis t dan uji F. Pada penelitian ini menggunakan penelitian kuantitatif dengan perhitungan data menggunakan SPSS untuk memperoleh nilai akurat. Hasil penelitian ini, pengaruh secara simultan (bersama-sama) antara variabel Jenis Kelamin (X1) Pendidikan Dan Pengetahuan keuangan (X2), Tingkat Pendapatan (X3) terhadap Perilaku Pengelolaan Keuangan (Y) sebesar 565.532 lebih besar dari nilai Ftabel 2,883. Sedangkan secara parsial Jenis kelamin (X1) dan perilaku pengelolaan keuangan (Y) berpengaruh signfikan terhadap perilaku pengelolaan keuangan (Y), diketahui nilai signifikansinya 0,000 yang nilainya berada dibawah 0,05 serta nilai thitung sebesar 4.447 lebih besar dari ttabel 0.68177. pendidikan dan pengetahuan (X2) berpengaruh signfikan terhadap perilaku pengelolaan keuangan (Y), diketahui nilai signifikansinya 0,000 yang nilainya berada dibawah 0,05 serta nilai thitung sebesar 7.796 lebih besar dari ttabel 0.68177. tingkatan pendapatan (X3) tidak berpengaruh terhadap perilaku pengelolaan keuangan (Y), diketahui nilai signifikansinya 0,117 yang nilainya berada diatas 0,05 serta nilai thitung sebesar -1.612 lebih kecil dari tabel 0.68177.
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 Education on Increasing Financial Literacy Hulu, Krisda Pebriani; Bate’e, Maria Magadalena; Kakisina, Sophia M,; Zai, Kurniawan S.
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.v4i2.570

Abstract

That financial literacy is part of economic literacy that is important to develop through educational activities. Financial literacy is very important especially for individuals because this financial aspect is a determinant in finding individual life needs. although there are still individuals who have not implemented good financial literacy in their lives. As is the case with students of SMK Negeri 1 Tugala Oyo which is one of the vocational schools in Tugala Oyo District, North Nias Regency. This study aims to determine how much influence Financial Education has on improving Financial Literacy at SMK N 1 Tugala Oyo, North Nias Regency. This study uses a quantitative method, respondents are students of SMK Negeri 1 Tugala Oyo as many as 65 people, where researchers collect data using questionnaires, then conduct validity studies, and data reliability tests, correlation coefficients, classical assumption tests (normality test, multicollinearity test, heteroscedasticity test), simple linear regression, coefficient of determination, and t-test. The results of the study showed that the influence of financial education on increasing financial literacy at SMK Negeri 1 Tugala Oyo was 22.4% and 77.6% was influenced by other factors that were not influenced by this study.
Analisi Kontribusi dan Efektivitas Penetapan NJOP Berdasarkan Perhitungan Pajak Daerah Pada Badan Pengelolaan Keuangan dan Pendapatan Daerah Kata Gunungsitoli Zebua, Fransiska Riang Hati; Buulolo, Nanny A.; Harefa, Idarni; Zai, Kurniawan S.
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.v5i1.2308

Abstract

The realization of land and building tax in the Gunungsitoli City Government in 2021-2022 does not correspond to the level of contribution and effectiveness in PAD revenue which is still classified as very low. This research aims to analyze how big the contribution and effectivenes of land building taxes is in increasing the Regional Original Income of Gunungsitoli City. The research method used is a quantitative descriptive method that uses secondary data and literature with the data source coming from the Regional Financial and Revenue Management Agency (RFRMA) of Gunungsitoli City. In this research, the time period used was 2021-2022 with data analysis using overlay analysis techniques. The research results show that the contribution value is carried out using a tax and levy revenue matrix based on an overlay analysis for 2021-2022. In the 2 (two) year period from 2021 - 2022, the value of the land and building tax contribution includes the criteria for very less in contributing to local original.
Co-Authors Bate'e, Maria Magdalena Bate’e, Maria Magadalena Buulolo, Nanny A. Bu’ulolo, Nanny A. Duha, Sesri Handayani Harefa, Idarni Hulu, Krisda Pebriani Kakisina, Sophia M, Sarumaha, Cindy K. Serniati Zebua Zebua, Fransiska Riang Hati