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Golden Ratio of Data in Summary
Published by Manunggal Halim Jaya
ISSN : -     EISSN : 2776641     DOI : https://doi.org/10.52970/grdis
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Golden Ratio of Data in Summary Golden Ratio of Data in Summary with e-ISSN 2776-6411, welcomes submissions that describe data from all research areas. Please note: almost any piece of information can be defined as data. However, to merit publication in Golden Ratio of Data, in Summary, should be a set of information that is acquired/collected with a scientific method and have value to the research community. Golden Ratio of Data in Summary welcomes papers dataset that is based in multidiscipline for easier to find. Increase traffic towards associated research articles and literature, leading to more citations. Publication Frequency: Semi-Annual Issues Per Year: Issue 1, November to April, and Issue 2, May to October.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 595 Documents
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Land disputes on legal certainty in South Sulawesi South Sulawesi in 2023 Abdil rahman zaenal; M.Ibnu Sumarna
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.v4i2.531

Abstract

Objective To begin with, the plaintiff is questioned about the contents of his claim. The judge can make a decision with the help of local examination. When it comes to the construction of evidence in civil cases, the duties and responsibilities of local examination of the object of land dispute is an issue that arises. shows that local examination based on Article 153 HIR, Article 180 R. Bg or Article 211 Rv as well as SEMA No. 7 of 2001 does not reflect legal certainty because it does not regulate the mechanism of local examination in the field thoroughly, which leads to many interpretations. In addition, it is still ambiguous whether local examination is a means of evidence whose value is left to the judge or whether local examination is only an examination tool or method of obtaining evidence. Research Results and Discussion Local inspection results are a valid source of evidence in civil cases, local examinations have the following legal consequences: (1) court costs if the judge requests a local examination; and (2) the evidentiary power of the local examination. Both of these are legal consequences that need to be clarified in future regulations. elements that need to be clarified in future regulations. Conclusion In civil cases, all cases relating to immovable property are required to ensure legal certainty in the future regulation of local inspection of land. to create legal certainty regarding local inspection, the diversity of this regulation is very important. In order to create legal certainty regarding local examination, diversity of regulation is essential. Regulations regarding local examination should be established at the level of a law so that they have strong legal force against all parties involved in the case, including judges, clerks, and all other parties.
Arabic Curriculum Planning Management Muhammad Ridha Assagaf
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.v4i2.561

Abstract

This study aims to explore the management of Arabic curriculum planning in Indonesian higher education, focusing on the effectiveness of planning in addressing challenges in teaching and learning Arabic. Utilizing a qualitative approach and library research methods, the study analyzes literature related to curriculum management and its implementation at three higher education institutions. The findings reveal that the curriculum planning process involves stages of needs analysis, goal formulation, content development, teaching strategies, and evaluation, although the depth and approach vary between institutions. The study identifies that while the integration of technology into the curriculum has begun, the level of implementation differs. Multicultural aspects and labor market orientation are also focal points, with results showing that while some institutions have integrated modules for business and diplomatic Arabic, multicultural aspects remain limited. These findings underscore the need for a more holistic curriculum planning approach that is responsive to digital advancements and sensitive to cultural diversity and labor market needs. The study recommends developing a comprehensive curriculum management model to enhance the relevance and effectiveness of Arabic language learning in Indonesia.
Analysis of the Use of the Dana Application as a Digital Payment Tool in Facilitating Consumer Purchasing Transactions Wasiat Elfan Daud Zebua; Yupiter Mendrofa; Emanuel Zebua; Jeliswan BIJ Gea
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.v4i2.562

Abstract

This research aims to achieve the following objectives: (1) to explore how the implementation of the DANA e-wallet facilitates consumer transactions at the Ya'ahowu Market in Gunungsitoli City; (2) to examine the usage patterns of the DANA application within the Ya'ahowu Market; and (3) to identify the challenges and risks associated with using the DANA application in simplifying transactions for consumers at the market. The research methods employed include observation, interviews, and documentation collection, with five respondents participating in the study. Based on interviews with key informants, the study found that the increasing adoption of e-wallets, such as DANA, has significantly streamlined transaction processes at Ya'ahowu Market. Informants revealed that, prior to the introduction of the DANA application, transactions were conducted solely in cash. However, since the app’s integration, both buyers and sellers at Ya'ahowu Market have embraced e-wallets, recognizing their potential to simplify transactions and enhance overall market efficiency. This shift demonstrates the market's effort to keep up with technological advancements in digital payment systems.
The Effect of Financial Literacy on Financial Behavior of Micro, Small and Medium Enterprises (SMEs) in Ulugawo District, Nias Regency Sambuani Zai; Perlindungan F. Hulu; Maria Magdalena Bate’e; Nanny A. Bu’ulolo
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.
Analysis of Human Resource Development Training in Improving Employee Performance Heribertus Gulo; Maria Magdalena Bate'e; Eliagus Telaumbanua; Heseziduhu Lase
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.v4i2.565

Abstract

In the contemporary period marked by globalization and modernization, Indonesian society has made significant strides, particularly in the fields of information and technology. Despite these advancements, there remain challenges that necessitate the development of individuals into exceptional human beings equipped with comprehensive skills. This study focuses on evaluating the effectiveness of human resource development training at the National Narcotics Agency office in Gunungsitoli City. The objective is to ascertain the implementation and impact of such training programs on employee performance. Employing a qualitative field research approach, the study was conducted at the aforementioned office, with agency employees serving as key informants. Data were primarily gathered through interviews, and the analysis utilized descriptive methods to articulate the current conditions observed in the field. Findings from the research indicate that training and development are crucial for enhancing employee competencies and aligning them with the organization’s vision and mission, thereby fostering an adept workforce at BNNK Gunungsitoli.
Utilization of Digital Literacy in Increasing the Number of Customers Using Digital Saving Alifia Diva Paradiesta; Setya Indah Isnawati
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.v4i2.567

Abstract

This study aims to explore the use of digital literacy in increasing the number of customers using digital saving services at PT Bank Rakyat Indonesia Parakan Branch Office. The focus of the research includes how digital literacy can increase the number of customers, the obstacles faced in the application of digital saving services, and the efforts made to optimize the application of these services. This type of research is descriptive qualitative research. The sampling technique used purposive sampling with a total of 10 informants consisting of BRI KC Parakan employees and several customers. Research instruments include in-depth interviews, observation, and documentation. The collected data were analyzed using thematic analysis method to identify the main themes that emerged from the data. The results showed that the implementation of digital literacy through social media, direct socialization, and education by customer service played a significant role in increasing customer understanding and trust in digital saving services. This study concludes that digital literacy plays an important role in increasing the number of customers using digital saving services at BRI KC Parakan. Technical barriers and lack of customer understanding are the main challenges in implementing this service. It is hoped that by implementing the suggestions that have been identified, BRI KC Parakan can further optimize the implementation of digital saving services in the future.
The Effect of Financial Literacy on the Financial Management of Students Ester Halawa; Maria Magdalena Bate’e; Nanny A. Bu’ulolo; Aferiaman Telaumbanua
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 Effect of Financial Education on Increasing Financial Literacy Krisda Pebriani Hulu; Maria Magadalena Bate’e; Sophia M, Kakisina; Kurniawan S. Zai
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.
The Influence of Financial Knowledge and Financial Attitudes on Financial Management Behavior on UMKM Actors in Lahomi Sub-District Dimensi Daeli; Perlindungan F. Hulu; Nanny A. Bu’ulolo; Maria Magdalena Bate’e
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.
The Effect of Financial Inclusion on the Sustainability of the SME Sector Feberia Zebua; Maria Magdalena Bate’e; Perlindungan F. Hulu
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.v4i2.576

Abstract

This study aims to determine whether financial inclusion has a positive effect on the sustainability of the SME sector in Lotu District, North Nias Regency, and to determine how much influence financial inclusion has on the sustainability of the SME sector, and to find out whether financial inclusion can overcome the challenges experienced by SME actors. The research was conducted in Lotu District, North Nias Regency. The research method used is quantitative method with data collection through distributing questionnaires, documentation, and interviews, observation. Respondents in this study amounted to 63 respondents of SME actors. The results of this study indicate that the influence of financial inclusion has an influence on the sustainability of the SME sector by 20.4%. With the increasing financial inclusion, it will further encourage SME actors to develop their businesses in the future.

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