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All Journal Golden Ratio of Mapping Idea and Literature Format Golden Ratio of Finance Management
J. Junaidi
Universitas Muhammadiyah Palopo
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Social Sciences

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The Role of Satisfaction in Enhancing Customer Loyalty in Islamic Mobile Banking Services of Bank Syariah Indonesia Miftahul Rachma; J. Junaidi; Suhardi M. Anwar
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 2 (2026): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i2.1866

Abstract

This study aims to address the research question of how perceived security, perceived ease of use, and service facilities influence customer loyalty toward Islamic mobile banking services, both directly and indirectly through trust and satisfaction. Specifically, this study tests the hypotheses that perceived security and perceived ease of use positively affect customer loyalty among BSI Mobile users. That trust and satisfaction mediate these relationships, while the effect of service facilities is expected to be more prominent through customer satisfaction. An explanatory quantitative approach was employed, collecting data from 240 active users of BSI Mobile, which were analyzed using Structural Equation Modeling (SEM) in AMOS. The results indicate that perceived security and perceived ease of use have positive and significant effects on both trust and satisfaction. In contrast, service facilities do not have a significant effect on trust but do have a positive, significant effect on customer satisfaction. Furthermore, trust and satisfaction are proven to have significant positive effects on customer loyalty, with satisfaction emerging as the most dominant mediating variable in the structural model. These findings provide more profound insight: customer loyalty in Islamic mobile banking is shaped more by satisfaction with secure, user-friendly digital experiences than by the mere availability of service features. Theoretically, this study extends the Technology Acceptance Model (TAM) by integrating the dual mediating roles of trust and satisfaction in the context of Islamic banking. Practically, the findings emphasize the importance of Islamic banks' digital transformation strategies that prioritize system security and user experience optimization to foster sustainable customer loyalty and strengthen public trust in a Sharia-compliant digital financial ecosystem.
The Influence of Reward, Punishment, and Work Motivation on Employee Performance at MSMEs Palopo Anggi Ka’ti; J. Junaidi; Jumawan Jasman
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 2 (2026): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i2.2093

Abstract

This study aims to analyze the influence of reward and punishment as well as work motivation on employee performance in Micro, Small, and Medium Enterprises (MSMEs) in the City of Palopo. This research uses a quantitative approach with the entire population of SMSEs employees in the City of Palopo. Primary data were collected thru questionnaires from 134 respondents selected using purposive sampling techniques, while secondary data were obtained from relevant literature studies. Data analysis was conducted using the covariance-based Structural Equation Modeling (SEM) method with the assistance of IBM SPSS AMOS version 22 and IBM SPSS Statistics version 22 software. The research results show that reward and punishment have a negative and insignificant effect on employee performance. Work motivation has also not been proven to have a significant direct effect on employee performance. However, punishment has been proven to have a positive and significant effect on work motivation, while reward has a negative and insignificant effect on work motivation. Work motivation has been shown to significantly mediate the effect of reward and punishment on employee performance. These findings underscore the important role of work motivation as a key mechanism in bridging reward and punishment policies toward improving employee performance. Therefore, proper management of rewards and punishments should focus on efforts to build work motivation so that the performance of MSMSEs employees in Palopo City can improve sustainably.
The Effect of Work Environment and Job Satisfaction on Employee Performance: A Quantitative Study at Bank Sulselbar Aliya Maharani; S. Saharuddin; J. Junaidi
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 2 (2026): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i2.2110

Abstract

This study examines the effects of the work environment and job satisfaction on employee performance in the banking sector, with evidence from Bank Sulselbar. A quantitative, cross-sectional design was employed using survey data collected from 36 employees through a saturated sampling technique. Data were analyzed using multiple linear regression. The findings indicate that job satisfaction exerts a positive and statistically significant effect on employee performance, suggesting that higher levels of satisfaction are associated with improved work outcomes. In contrast, the work environment demonstrates a positive but statistically insignificant effect, implying a limited direct contribution in this context. However, the joint effect of the work environment and job satisfaction is statistically significant, highlighting their combined role in shaping employee performance. This study contributes to the human resource management literature by providing empirical evidence from a regional banking context, emphasizing the dominant role of job satisfaction in driving performance. The findings indicate that job satisfaction has a positive and statistically significant effect on employee performance. In contrast, the work environment has a positive but not statistically significant effect. However, both variables simultaneously have a significant influence on employee performance.
The Influence of Parenting, Financial Inclusion, and Financial Literacy on Financial Management of Gen-Z Aisyah Nur aisyah; J. Junaidi; G. Goso
Golden Ratio of Finance Management Vol. 6 No. 1 (2026): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v6i1.2092

Abstract

This study aims to analyze the influence of parenting, financial inclusion, and financial literacy on the financial management of Generation Z students. Specifically, this study tests the hypothesis that parenting, financial inclusion, and financial literacy have a positive effect on financial management, and that financial literacy acts as a mediator. This study used a quantitative approach, involving 123 university students as respondents selected using a stratified random sampling technique. Data analysis was conducted using the covariance-based Structural Equation Modeling (SEM) method using AMOS 22 with SPSS 22. The results show that parenting and financial inclusion have a positive and significant effect on financial literacy. However, parenting and financial inclusion do not have a significant effect on financial management. Conversely, financial literacy has been shown to have a positive and significant effect on financial management and significantly mediates the effect of parenting and financial inclusion on financial management. These findings emphasize the central role of financial literacy in improving students' financial management skills. Therefore, strengthening financial literacy through synergy between families and educational institutions is an important strategy in shaping more adaptive financial behaviors in Generation Z.
Co-Authors Aisyah Nur aisyah Aliya Maharani Anggi Ka’ti Anwar, Suhardi M. G. Goso Jumawan Jasman Miftahul Rachma S. Saharuddin