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All Journal Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Economics and Business Journal (JIMBE)
Muhammad Ichwan Musa
Fakultas Ekonomi dan Bisnis, Universitas Negeri Makassar
Economics, Econometrics & Finance

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Pengaruh Dana Pihak Ketiga (DPK) dan Non-Performing Financing (NPF) Terhadap Profitabilitas Perbankan Syariah di Indonesia Tahun 2019-2024 Zalzabila Aulya Irsya; Muhammad Ichwan Musa; Anwar; Anwar Ramli; Nurman
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 4 No 3 (2026): Oktober
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v4i3.634

Abstract

This study aims to examine the impact of Third-Party Funds (DPK) and Non-Performing Financing (NPF) on profitability measured by Return on Assets (ROA) within the Indonesian sharia banking sector during the 2019–2024 period. A quantitative approach was employed using secondary data derived from the annual financial reports of 10 sharia banks in Indonesia. Purposive sampling was used to select the sample, resulting in a total of 60 observations. Panel data regression analysis was conducted using EViews software; based on the Chow, Hausman, and Lagrange Multiplier tests, the Random Effect Model (REM) was selected as the estimation model. The results indicate that, individually, DPK has a significant effect on ROA, whereas NPF has a significant negative effect on the ROA of sharia banks in Indonesia. Simultaneously, DPK and NPF exert a significant combined influence on ROA, with an R-squared value of 51.80%. These findings suggest that managing non-performing financing is a key factor in maintaining the profitability of sharia banks in Indonesia.
The Influence of Product Quality on Customer Loyalty with Customer Satisfaction as a Mediating Variable among Gen Z Consumers of Kopi Kenangan in Makassar City Nur Azizah; Anwar; Muhammad Ichwan Musa; Muhammad Ilham Wardhana; Nurul Fadilah Aswar
Economics and Business Journal (ECBIS) Vol. 4 No. 6 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i6.499

Abstract

The Effect of Product Quality on Customer Loyalty with Customer Satisfaction as a Mediating Variable among Gen Z Consumers of Kopi Kenangan in Makassar City. Thesis, Departement of Management, Faculty of Economies and Bussiness. State University of Makassar. Supervised by Mr. Anwar and Mr. Muhammad Ichwan Musa. This study aims to determine the effect of product quality on customer loyalty with customer satisfaction as a mediating variable among Generation Z consumers of Kopi Kenangan in Makassar City. The focus of this research is to analyze how product quality can increase customer satisfaction and shape customer loyalty. This research uses a quantitative approach with an associative explanatory design. Data were collected through questionnaires distributed to 110 respondents who are Gen Z consumers of Kopi Kenangan in Makassar City. The data analysis technique used Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS version 4.0.9.9 to examine the relationships among variables. The results show that product quality has a positive and significant effect on customer satisfaction and customer loyalty. Customer satisfaction also has a positive and significant effect on customer loyalty and acts as a mediating variable in the relationship between product quality and customer loyalty. These findings indicate that good product quality can increase customer satisfaction and strengthen customer loyalty to Kopi Kenangan in Makassar City
Pengaruh Kualitas Produk terhadap Loyalitas Pelanggan melalui Kepuasan Pelanggan sebagai Variabel Intervening pada Konsumen Hanasui di Toko Citra Cosmetic Boulevard Arnita Nuranita Mudir; Muhammad Ichwan Musa; Muhammad Ilham Wardhana Haeruddin; Isma Azis Riu; Nurul Fadilah Aswar
SINOMIKA JOURNAL: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 4 No. 5 (2026): January
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sinomika.v4i5.590

Abstract

Indonesia in 1997-1998. The main factor that caused the crisis was the government's widening of the economy, in which the government made concessions to borrow debt without strict supervision and selection. As a result, many businessmen were unable to pay their debts on time, so that Indonesia's reputation declined internationally. Islamic ethics is a branch of philosophy that is critical and rational which investigates good and bad and human obligations. Islam as a comprehensive and universal religion regulates all aspects of human life including in the field of trade or commerce business. In the field of worship, Islam stipulates the law "there is no worship except what is regulated in the Al-Quran and Sunnah" while for jnn muamalah activities it only regulates the principles. Business Ethics in an Islamic perspective focuses on principles that do not conflict with the Al-Quran and Sunnah and provide justice and benefit for all parties involved in the business process
Pengaruh Kompensasi Finansial dan Kompensasi Non Finansial Terhadap Turnover Intention Karyawan Pada Commanditaire Vennootschap Berlian chemical Putri Mautia Lestari; Muhammad Ichwan Musa; Rezky Amalia Hamka; Romansyah Sahabuddin
SINOMIKA JOURNAL: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 5 No. 3 (2026): September
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sinomika.v5i3.661

Abstract

This study aims to determine the influence of financial and non-financial compensation on employee turnover intention—both individually and simultaneously—at CV. Berlian Chemical Mandiri. The primary focus is to analyze the extent to which the company's compensation system mitigates employees' desire to leave their jobs, particularly given the high turnover rates experienced by the firm. A quantitative approach utilizing a survey method was employed. Data were collected via questionnaires distributed to all 38 employees of CV. Berlian Chemical Mandiri using a saturated sampling technique. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software to examine the relationships between the variables: financial compensation, non-financial compensation, and turnover intention. The results indicate that both financial and non-financial compensation have a significant negative effect on employee turnover intention, whether considered individually or simultaneously. This suggests that superior compensation—whether financial or non-financial corresponds to a lower desire among employees to leave the company. The findings also highlight the crucial role of non-financial compensation in fostering workplace satisfaction and employee engagement, thereby enhancing retention and reducing the company's high turnover rate.
Pengaruh Store Atmosphere dan Kualitas Layanan Terhadap Keputusan Pembelian Konsumen pada Mari Kopi di Kabupaten Jeneponto Afrilla Razky Maharani Sukimin; Muhammad Ichwan Musa; Annisa Paramaswary Aslam; Muh. Yushar Mustafa; Achmad Ridha
SINOMIKA JOURNAL: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 5 No. 3 (2026): September
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sinomika.v5i3.695

Abstract

The growth of the coffee shop business has intensified competition among local café operators, including Mari Kopi in Jeneponto Regency. Consumers no longer consider only product and price; they also weigh the establishment's atmosphere and the service experience provided. This study aims to analyze the influence of store atmosphere and service quality on consumer purchasing decisions at Mari Kopi in Jeneponto Regency. An explanatory quantitative approach with a survey design was employed. Data were collected via questionnaires distributed to 150 consumers selected through purposive sampling. Data analysis techniques included descriptive analysis, validity and reliability testing, classical assumption testing, multiple linear regression, t-tests, F-tests, and the coefficient of determination. The results indicate that store atmosphere has a positive and significant effect on consumer purchasing decisions. Service quality also positively and significantly influences purchasing decisions, contributing more dominantly than store atmosphere. Simultaneously, store atmosphere and service quality significantly affect consumer purchasing decisions, with an R-square value of 0.829. This indicates that 82.9% of the variation in purchasing decisions can be explained by these two variables, while the remaining 17.1% is influenced by factors outside the research model. These findings imply that Mari Kopi needs to enhance its physical atmosphere, service speed, staff responsiveness, and overall consumer experience to strengthen purchasing decisions.
Pengaruh Lingkungan Kerja terhadap Produktivitas Kerja dengan Motivasi Kerja Sebagai Variabel Intervening pada Tenaga Pendidik SMK Penerbangan Techno Terapan Makassar Musakkir; Muhammad Ichwan Musa; Zainal Ruma
SINOMIKA JOURNAL: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 4 No. 5 (2026): January
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sinomika.v5i3.1039

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh lingkungan kerja terhadap produktivitas kerja melalui motivasi kerja sebagai variabel intervening pada tenaga pendidik SMK Penerbangan Techno Terapan Makassar. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Populasi dalam penelitian ini adalah seluruh tenaga pendidik SMK Penerbangan Techno Terapan Makassar sebanyak 63 responden dengan teknik sampling jenuh. Teknik pengumpulan data dilakukan melalui observasi, kuesioner, dan studi literatur. Analisis data menggunakan Structural Equation Modeling–Partial Least Square (SEM-PLS) dengan bantuan aplikasi SmartPLS versi 4.0. Hasil penelitian menunjukkan bahwa lingkungan kerja berpengaruh positif dan signifikan terhadap produktivitas kerja dengan nilai p-value sebesar 0,011 dan koefisien pengaruh sebesar 1,071. Lingkungan kerja juga berpengaruh positif dan signifikan terhadap motivasi kerja dengan nilai p-value sebesar 0,000 dan koefisien pengaruh sebesar 0,969. Namun, motivasi kerja tidak berpengaruh signifikan terhadap produktivitas kerja dengan nilai p-value sebesar 0,091 dan koefisien pengaruh sebesar -0,449. Selain itu, motivasi kerja tidak mampu memediasi pengaruh lingkungan kerja terhadap produktivitas kerja karena diperoleh nilai p value sebesar 0,312.
Pengaruh Motivasi Kerja dan Efikasi Diri Terhadap Kepuasan Kerja yang dimediasi Kualitas Kerja Pegawai Dinas Pendidikan Kota Makassar Anjelina Afdar; Romansyah Sahabuddin; Muhammad Ichwan Musa; Rezky Amalia Hamka; Widhi Nugraha S.D.
SINOMIKA JOURNAL: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 4 No. 6 (2026): March
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sinomika.v4i6.1117

Abstract

This study aims to analyze the influence of work motivation and self-efficacy on job satisfaction, with work quality serving as a mediating variable, among employees of the Makassar City Education Office. Employing a quantitative approach, data were collected from 63 respondents selected using the Slovin formula from a total population of 168 employees. Data analysis was conducted using multiple linear regression via SmartPLS software. The results indicate that work motivation and work quality have a positive and significant effect on job satisfaction. However, self-efficacy does not have a significant direct effect on job satisfaction in this context. Work quality was found to act as a significant mediator linking work motivation and self-efficacy to employee job satisfaction. These findings underscore the importance of the agency focusing on strengthening motivation and work quality standards to create a satisfying work environment for employees.
Co-Authors Achmad Ridha Afrilla Razky Maharani Sukimin Anjelina Afdar Annisa Paramaswary Aslam Anwar Anwar Ramli Arnita Nuranita Mudir Isma Azis Riu Muh. Yushar Mustafa Muhammad Ilham Wardhana Haeruddin Musakkir Nur Azizah Nurman Nurul Fadilah Aswar Putri Mautia Lestari Rezky Amalia Hamka Romansyah Sahabuddin Widhi Nugraha S.D. Zainal Ruma Zalzabila Aulya Irsya