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All Journal JPNM : Jurnal Pustaka Nusantara Multidisiplin International Journal of Multidisciplinary Reseach
Nadila
Universitas Islam Negeri Palopo
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Social Sciences

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Pengaruh Pembayaran Digital Qris terhadap Kualitas Pelaporan Keuangan pada Usaha Warung Makan di Kota Palopo Muh. Fikram Ramadan; Dili Ayuni; Ria; Amelia; Nadila; Hamida Ambas
JPNM Jurnal Pustaka Nusantara Multidisiplin Vol. 4 No. 3 (2026): July : Jurnal Pustaka Nusantara Multidisiplin (ACCEPTED)
Publisher : SM Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59945/jpnm.v4i3.1302

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh efektivitas pembayaran digital QRIS terhadap kualitas pelaporan keuangan pada usaha warung makan di Kota Palopo. Penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian deskriptif analitis. Data dikumpulkan dari 62 responden menggunakan teknik purposive sampling. Analisis data dilakukan dengan regresi linier sederhana berbantuan perangkat lunak SPSS. Hasil penelitian menunjukkan persamaan regresi Y = 16,040 + 0,096X dengan koefisien determinasi (R²) sebesar 0,008 (0,8%). Hasil uji t menunjukkan nilai signifikansi (p-value) sebesar 0,494 > α = 0,05, sehingga H0 diterima. Artinya efektivitas pembayaran digital QRIS tidak berpengaruh signifikan terhadap kualitas pelaporan keuangan pada usaha warung makan di Kota Palopo. Rendahnya koefisien determinasi mengindikasikan bahwa faktor-faktor lain di luar model ini memegang peranan yang lebih dominan dalam menentukan kualitas pelaporan keuangan.
Faktor-Faktor Yang Mempengaruhi Minat Generasi Z Dalam Menggunakan Layanan Digital Branch Pada Bank Syariah Sabrina Azsahra Naswa Alam; Nabilah Ananta Kadir; Yuyun Sakinah; Aurel Alfatihah; Nadila; Hamida Ambas
JPNM Jurnal Pustaka Nusantara Multidisiplin Vol. 4 No. 3 (2026): July : Jurnal Pustaka Nusantara Multidisiplin (ACCEPTED)
Publisher : SM Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59945/jpnm.v4i3.1323

Abstract

Penelitian ini menganalisis pengaruh kemudahan penggunaan dan keamanan informasi terhadap minat Generasi Z di Kota Palopo dalam menggunakan digital branch bank syariah. Menggunakan metode kuantitatif dengan 50 responden, data diolah menggunakan SEM-PLS melalui SmartPLS 4. Hasil penelitian menunjukkan bahwa kedua variabel secara bersama-sama memengaruhi minat adopsi sebesar 88,8%. Secara parsial, kemudahan penggunaan berpengaruh positif dan signifikan, sedangkan keamanan informasi menjadi faktor paling dominan dengan pengaruh yang sangat signifikan. Bank syariah disarankan fokus memperkuat keamanan data dan menyempurnakan desain antarmuka mesin.
THE INFLUENCE OF PROFIT SHARING RATE AND FINANCING RISK ON CUSTOMER INVESTMENT INTEREST IN INDONESIAN SHARIA BANKS WITH CUSTOMER TRUST AS A MODERATING VARIABLE IN PALOPO CITY Hilal; Asri Sakina; Amnang; Ahmad Efendi; Nadila; Hamida
International Journal of Multidisciplinary Reseach Vol. 2 No. 3 (2026): June
Publisher : International Journal of Multidisciplinary Reseach

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the effect of profit sharing rates and financing risks on customer investment interest at Bank Syariah Indonesia (BSI), with customer trust as a moderating variable. This study uses a quantitative approach with a survey method through the distribution of questionnaires to Bank Syariah Indonesia customers. The data analysis technique used is Structural Equation Modeling–Partial Least Squares (SEM-PLS) using the SmartPLS 4 application. The results show that the profit sharing rate has a positive and significant effect on customer investment interest. This indicates that the higher and more competitive the profit sharing rate offered, the higher the public's interest in investing in Islamic banking products. Financing risk does not significantly affect customer investment interest because most people still have a high level of trust in the ability of Islamic banks to manage financing and maintain financial stability. In addition, customer trust has been shown to have a positive and significant effect on customer investment interest. However, customer trust is unable to moderate the relationship between the profit sharing rate and financing risk on customer investment interest. This study shows that the main factors influencing customer investment interest at Bank Syariah Indonesia are the profit sharing rate and customer trust. Therefore, Islamic banks need to improve transparency, service quality, and maintain the stability of their profit-sharing systems to sustainably increase public investment interest.
Co-Authors Ahmad Efendi Amelia Amnang Asri Sakina Aurel Alfatihah Dili Ayuni Hamida Hamida Ambas Hilal Muh. Fikram Ramadan Nabilah Ananta Kadir Ria Sabrina Azsahra Naswa Alam Yuyun Sakinah