Article Per Year (5 Year)
p-Index From 2021 - 2026
0.562
P-Index
This Author published in this journals
All Journal JPNM : Jurnal Pustaka Nusantara Multidisiplin Entrepreneurship, Management, and Business Research Journal
Hamida Ambas
Universitas Islam Negeri Palopo
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
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.
Analysis of the Application of Salam and Istisna'a Contracts in Agricultural and Industrial Sector Financing at Bank Syariah Indonesia Nurul Zahra Ismi Putri; Krisdiana Resi; Mohammad Syawal Fadillah; Andi Sinta Bella; Nadila Nadila; Hamida Ambas
Entrepreneurship, Management, and Business Research Journal Vol. 3 No. 1-2 (2026): JANUARY TO MAY 2026 - EMBUN RESEARCH JOURNAL
Publisher : Entrepreneurship, Management, and Business Research Journal

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

Abstract

This study examines the application of Salam and Istisna'a contracts in financing the agricultural and industrial sectors at Bank Syariah Indonesia. Salam is a forward-buying contract involving advance payment for goods delivered at a future date, whereas Istisna'a entails purchasing goods that are to be manufactured or ordered with advance or deferred payments. Employing a qualitative approach with a literature review method, this research analyzes various references concerning the implementation of both contracts within Indonesia's agricultural and industrial sectors. The findings indicate that the Salam contract facilitates essential production financing for farmers, yet it faces challenges such as commodity price fluctuations and weather uncertainty. Conversely, while the Istisna'a contract proves beneficial in the industrial sector for procuring raw materials or customized products, it encounters constraints regarding timely delivery and product quality. These challenges can be mitigated through more precise contractual agreements regarding pricing, product specifications, and delivery schedules. Furthermore, information technology can be utilized to monitor market prices and production processes to minimize uncertainty. This study provides insights into how Salam and Istisna'a contracts can be effectively implemented in the agricultural and industrial sectors, alongside solutions to enhance the successful application of both instruments in Islamic banking practices.
Co-Authors Amelia Andi Sinta Bella Aurel Alfatihah Dili Ayuni Krisdiana Resi Mohammad Syawal Fadillah Muh. Fikram Ramadan Nabilah Ananta Kadir Nadila Nadila Nadila Nurul Zahra Ismi Putri Ria Sabrina Azsahra Naswa Alam Yuyun Sakinah