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All Journal Jurnal Pelita Manajemen Jurnal Riset Ekonomi dan Keuangan Syariah
Hasmawati Hasmawati
Institut Agama Islam DDI Sidenreng Rappang
Economics, Econometrics & Finance Social Sciences

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Peran Self-Efficacy dalam Meningkatkan Kinerja Karyawan Sektor Jasa Keuangan: Bukti Empiris dari Industri Perbankan dan Pembiayaan Nugrawan Saharuddin; Zulfahry Abuhasmy; Hasmawati Hasmawati
JURNAL PELITA MANAJEMEN Vol. 5 No. 01 (2026): Mei 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jpm.v5i01.7408

Abstract

Kinerja karyawan merupakan faktor penting dalam mendukung keberhasilan organisasi, terutama pada sektor jasa keuangan yang ditandai oleh tingginya tuntutan pencapaian target, kualitas pelayanan, dan kemampuan beradaptasi terhadap perubahan. Salah satu faktor psikologis yang diduga berperan dalam meningkatkan kinerja karyawan adalah self-efficacy, yaitu keyakinan individu terhadap kemampuannya dalam menyelesaikan tugas dan menghadapi tantangan pekerjaan. Penelitian ini bertujuan untuk menganalisis pengaruh self-efficacy terhadap kinerja karyawan pada sektor jasa keuangan yang mencakup industri perbankan dan pembiayaan. Penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling. Data diperoleh melalui penyebaran kuesioner kepada 50 karyawan yang bekerja pada sektor perbankan dan pembiayaan. Analisis data dilakukan menggunakan regresi linier sederhana dengan bantuan SPSS versi 27. Hasil penelitian menunjukkan bahwa self-efficacy berpengaruh positif dan signifikan terhadap kinerja karyawan (β = 0,771; Sig. = 0,000). Nilai koefisien determinasi (R²) sebesar 0,650 menunjukkan bahwa self-efficacy mampu menjelaskan 65,0% variasi kinerja karyawan, sedangkan sisanya dipengaruhi oleh faktor lain di luar model penelitian. Temuan ini menunjukkan bahwa peningkatan self-efficacy dapat menjadi salah satu strategi penting dalam mendukung peningkatan kinerja karyawan pada sektor jasa keuangan.
Peran Harga dan Gaya Hidup Terhadap Minat Konsumen Dalam Berbelanja Pakaian Bekas (Thrifting) Pada Pasar Pangkajene Kabupaten Sidenreng Rappang Andi Putri Maharani Arifin; Hasmawati Hasmawati; Noerismayanti Noerismayanti
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 3 No. 1 (2026): Jurnal Riset Ekonomi dan Keuangan Syariah: Januari 2026
Publisher : Yayasan Literasi Emas Nusantara

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Abstract

The phenomenon of purchasing second-hand clothing in traditional markets has emerged as an alternative consumption pattern driven by economic considerations, lifestyle preferences, and ethical values derived from Islamic economics. This study aims to analyze the influence of price and lifestyle on consumer purchase intention for second-hand clothing at Pangkajene Market, Sidenreng Rappang Regency, and to evaluate the compliance of such practices with Islamic economic principles. A qualitative descriptive approach was employed, combining semi-structured interviews with sellers and buyers, direct observation of market activities, and an extensive literature review to ensure data triangulation and validity. The findings reveal that price is a significant determinant of purchase intention, especially among lower to middle-income consumers, while the influence of lifestyle varies according to demographic and economic segmentation. Purchasing decisions are shaped not only by affordability and product quality but also by the perceived uniqueness and sustainability value of second-hand goods. The study further finds that market transactions largely adhere to Islamic economic principles, particularly honesty, fairness, and transparency, with sellers disclosing product conditions and engaging in voluntary price negotiations. This integration of empirical consumer behavior analysis with a normative Islamic framework highlights the relevance of ethical commerce in enhancing consumer trust and market sustainability. The implications suggest that competitive pricing strategies combined with ethical and sustainability narratives can strengthen market positioning and align with both economic and religious values. Future research could extend this work through quantitative testing across different regions and incorporate regulatory and environmental dimensions into consumer behavior models.
Co-Authors Andi Putri Maharani Arifin Noerismayanti Noerismayanti Nugrawan Saharuddin Zulfahry Abuhasmy