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Efektifitas Pelaksanaan Program Bantuan Stimulan Perumahan Swadaya (BSPS) Di Desa Siwalembu Kecamatan Sojol Hartin Miftahul Jannah; Erwan Sastrawan; Harnida Wahyuni Adda
Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Vol. 2 No. 2 (2023): Mei : Jurnal Ekonomi, Manajemen Pariwisata Dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jempper.v2i2.1412

Abstract

This study aims to (1) describe the implementation of the Self-help Housing Stimulant Assistance Program in Siwalempu Village, Donggala Regency. (2) reviewing and measuring the effectiveness of the implementation of the BSPS program in Siwalempu Village, Donggala Regency. (3) future efforts so that program implementation runs effectively. The method used in this research is descriptive method with qualitative research. Sources of research data consist of observations, interviews, results of recording in the field and documentation. Based on the research results, it can be seen that (1) the implementation of the BSPS Program in Siwalempu village has been going quite well. (2) the implementation of the BSPS program in Siwalempu village, Donggala district has not been effective. This can be seen from the implementation of the BSPS program in Siwalempu village, which has not been fully achieved due to the fact that the program has not been fully used referring to the established mechanisms and procedures. This self-help housing stimulant assistance program is able to improve the social life of residents by helping residents in need.
Pengetahuan Investasi, Persepsi Resiko dan Persepsi Return terhadap Minat Berinvestasi di Pasar Modal Syariah Ahmad Zuldi; Hilal Malarangan; Erwan Sastrawan Farid
Jariyah: Jurnal Ilmu Akuntansi dan Keuangan Syariah Vol. 3 No. 1 (2025): JARIYAH : Jurnal Ilmu Akuntansi dan Keuangan Syariah
Publisher : Program Studi Akuntansi Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jariyah.v3i1.4682.389-406

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh pengetahuan investasi, Persepsi Resiko dan Persepsi Return Terhadap Minat Investasi Pasar Modal Syariah Pada Masyarakat Kabupaten Sigi. Penelitian ini menggunakan pendekatan kuantitatif. Jumlah populasi dari penelitian ini adalah 105.004 masyarakat kabupaten sigi yang berusia 20-44 tahun dengan jumlah sampel yang digunakan sebanyak 100 responden. yang di pilih dengan Teknik purposive sampling dengan menggunakan metode slovin. Instrumen yang digunakan adalah kusioner atau angket . Teknik analisis data yang digunakan adalah analisis diskriptif dan analisis statistik. Hasil penelitian ini menunjukkan bahwa pengetahuan investasi berpengaruh positif dan signifikan terhadap minat investasi, persepsi resiko berpengaruh positif dan signifikan terhadap minat investasi, dan persepsi return berpengaruh positif dan siginifikan terhadap minat, secara serempak ketiga variabel tersebut berpengaruh signifikan terhadap minat investasi. Hasil penelitian ini memberikan gambaran bahwa pengetahuan investasi, persepsi terhadap risiko, dan persepsi terhadap return memiliki peran penting dalam membentuk minat masyarakat di Kabupaten Sigi untuk berinvestasi di pasar modal syariah. Implikasi dari temuan ini diharapkan dapat menjadi masukan bagi lembaga keuangan, instansi pemerintah, dan pelaku edukasi keuangan untuk lebih mendorong penyebaran informasi serta pemahaman yang tepat mengenai investasi syariah.
Peran Literasi Keuangan Digital dalam Memoderasi Hubungan antara Persepsi Risiko dan Penggunaan E-Wallet pada Pelaku UMKM Lintas Generasi di Kabupaten Morowali Amalia Husen , Ayu; Sastrawan Farid, Erwan; Kadang, Juliana; Anisah
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8702

Abstract

This study examines the role of digital financial literacy in moderating the relationship between risk perception and e-wallet use among MSME actors across generations in Morowali Regency. Using a quantitative survey of 160 respondents analyzed with SEM-PLS and Multi-Group Analysis, the results show that risk perception negatively affects e-wallet use. Digital financial literacy significantly weakens this negative relationship, with the strongest moderating effect found in Generation Z. These findings imply that enhancing digital financial literacy is essential to reducing perceived risks and encouraging inclusive digital payment adoption among MSMEs across generational groups.
The Impact of Government Capital Assistance, Financial Literacy, and Business Innovation on the Profitability of Small and Medium Industries (IKM) in Palu City Aulia Rizky Amalia; Sastrawan Farid, Erwan; Munawarah; Putri Utami, Ayu
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8941

Abstract

This study examines the effects of government capital assistance, financial literacy, and business innovation on the profitability of small and medium industries (SMIs) in Palu City. Using a quantitative approach, data were collected from 37 SMI owners through structured questionnaires and analyzed using multiple linear regression. The findings show that government capital assistance and business innovation significantly improve profitability, while financial literacy has a positive but insignificant effect. Collectively, the three variables explain 73.3% of profitability variance. The results highlight the importance of integrating non-cash capital support with innovation-oriented programs to strengthen SMI profitability and sustainability.
ACCESS TO CAPITAL AND SMALL INDUSTRY PERFORMANCE IN PALU CITY I Nengah Oka Smara Putra; Darman; Erwan Sastrawan Farid
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 6 No. 1 (2026): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18640327

Abstract

This study examines how various sources of capital access influence the performance of small food industries in Palu City. Using a quantitative approach with 87 respondents and multiple linear regression analysis, the results indicate that overall capital access significantly influences small industry performance. Separately, internal capital, namely personal savings and business profits, and formal external capital through bank loans, were shown to have a positive and significant impact. Conversely, other sources of capital, namely cooperatives, online loans, social savings and credit, and government assistance, did not show a significant impact. These findings indicate that small industry performance is supported more by internal capital and bank financing than by other capital sources.
Pengelolaan Keuangan Sebagai Upaya Pengembangan Usaha Mantin Organizer Dikota Palu Nurul Miftahul Jannah; Suryadi Samudra; Juliana Kadang; Erwan Sastrawan Farid
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 1 No. 1 (2023): November - Februari
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (382.765 KB) | DOI: 10.31004/ijmst.v1i1.108

Abstract

Mantin Organizer adalah sebuah usaha yang termasuk ke dalam industri keratif di bidang jasa. Usaha Mantin Organizer ini baru berdiri ditahun 2022 dan didirikan oleh beberapa orang untuk memenuhi permintaan masyarakat terhadap penyedia jasa Event Organizer di Kota Palu yang semakin banyak dan menjadi sebuah peluang bisnis. Dalam menjalankan sebuah usaha tentu membutuhkan pengelolaan keuangan yang baik, agar usaha tersebut dapat berkembang. Tujuan penelitian ini untuk mengetahui pengelolaan keuangan yang dilakukan pada usaha Mantin Organizer. Metode penelitian menggunakan data kualitatif. sumber data yaitu data primer. Teknik pengumpulan data melalui wawancara observasi dan dokumentasi laporan keuangan di bulan September sampai Desember. Hasil dari penelitian ini yaitu usaha Mantin Organizer yang sebelumnya tidak melakukan pengelolan keuangan secara baik dan setelah didampingi telah melakukan seperti perencaanan dalam membuat daftar harga untuk jenis event yang akan dikelola, promosi usaha, target penjualan, dan sudah melakukan pencatatan laporan modal usaha, laporan arus kas, dan laporan laba rugi.
Memperluas Jangkauan Pasar Dalam Meningkatkan Volume Penjualan Pada Casa Coffee & Space Aldo Almando Parengkuan; Juliana Kadang; Erwan Sastrawan
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 1 No. 1 (2023): November - Februari
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (459.175 KB) | DOI: 10.31004/ijmst.v1i1.112

Abstract

Pesatnya pertumbuhan di industri jasa makanan dan minuman memicu tumbuhnya berbagai bentuk konsep baru dari bisnis salah satunya adalah bisnis kedai kopi. Salah satu kedai kopi di Palu yaitu Casa Coffee yang baru berdiri sejak Januari 2022, belum mengetahui strategi yang tepat untuk pengembangan usahanya. Penelitian ini bertujuan untuk menentukan peluang pemasaran, rencana, strategi dan menentukan tujuan pemasaran melalui penerapan strategi bauran pemasaran 4P produk, harga, promosi dan tempat/distribusi. Kemudian untuk menentukan strategi keberlanjutan usaha dilakukan dengan menggunakan analisis SWOT. Hasil dari penelitian ini adalah ditemukan strategi pemasaran yang dapat diterapkan oleh Casa Coffee yaitu dengan melakukan inovasi fasilitas dan produk, meningkatkan kualitas produk, memperluas pemasaran, memberikan pelayanan yang maksimal dan memperluas pangsa pasar.
The influence of financial technology, social environment, and financial attitudes on the financial behavior of PSDKU UNTAD Morowali Erwan Sastrawan Farid; Tiara; Munawarah; Rian Risendy; Nini Andriani
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.340.322-338

Abstract

Studi This study aims to determine the effect of financial technology, social environment, and financial attitudes on the financial behavior of UNTAD Morowali PSDKU students. The type of research used in the study is quantitative. The research method uses non probability sampling with purposive sampling technique. The data collection technique used a questionnaire. The population used in this study were UNTAD Morowali PSDKU students. The sample taken was 50 respondents. The data analysis technique used multiple linear regression with the help of SPSS version 25. The results showed that 1) based on the results of the F test, it shows that financial technology variables, social environment, and financial attitudes have a positive and significant effect on the financial behavior of PSDKU UNTAD Morowali students. 2) Financial technology variables have a positive and significant effect on the financial behavior of PSDKU UNTAD Morowali students 3) The social environment variable has a positive and insignificant coefficients value, which means that the social environment has no role in the financial behavior of PSDKU UNTAD Morowali students. 4) The financial attitude variable has a positive and insignificant coefficients value, which means that financial attitudes have no role in the financial behavior of PSDKU UNTAD Morowali students
Pengaruh Non-Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) terhadap Return on Assets (ROA) pada Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2022–2024 Shafwan Juldan; Vitayanti Fattah; Cici Rianty K. Bidin; Erwan Sastrawan Farid
JURNAL MANAJEMEN MOTIVASI Vol 22 No 2 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i2.9071

Abstract

This study aims to analyze the effect of Non-Performing Loans (NPLs) and the Loan-to-Deposit Ratio (LDR) on Return on Assets (ROA) at banking companies listed on the Indonesia Stock Exchange for the period 2022–2024. This study employs a quantitative approach using secondary data in the form of banks’ annual financial reports. The sampling technique utilized purposive sampling, resulting in 15 banks selected as the study sample, comprising a total of 45 data observations. The analysis method employed is panel data regression using the Random Effects Model (REM) approach with EViews 13. The results indicate that NPL has a negative and significant effect on ROA. This indicates that as the level of non-performing loans increases, bank profitability tends to decline. Meanwhile, the LDR does not have a significant effect on ROA, suggesting that high levels of credit disbursement do not necessarily improve bank profitability. Simultaneously, both NPL and LDR have a significant effect on ROA.
Pengaruh Inklusi Keuangan Digital, Literasi Keuangan Digital, dan Akses Permodalan terhadap Profitabilitas Usaha Mikro Di Kota Palu Masriani; Sastrawan, Erwan; Rianty, Cici; Annisah
JURNAL MANAJEMEN MOTIVASI Vol 22 No 2 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i2.9124

Abstract

This study examines the effects of digital financial inclusion, digital financial literacy, and access to capital on micro-enterprise profitability in Palu City. Using a quantitative associative approach, data from 100 micro-enterprise respondents were analyzed through multiple linear regression. The results show that the three variables simultaneously affect profitability (R² = 0.641). Partially, digital financial inclusion has no significant effect, digital financial literacy has a positive significant effect, and access to capital has a negative significant effect. Digital financial literacy is the most dominant factor influencing micro-enterprise profitability in Palu City.
Co-Authors Abd. Malik Abdullah, Wiranto S Afrizun Afrizun Ahmad Zuldi Aldo Almando Parengkuan Ali, Muhammad Haikhal Amalia Husen , Ayu Amirudin, Muhammad ANISAH Anisah Anisah Annisah Annisah, Annisah Armawati Arung Gihna Mayapada Asbal Rasyid Aulia Rizky Amalia B, Siska Yoce Chelsea Vanderkley Cici Rianty K. Bidin Darman Darman Darman Darman, Darman Dwiyanto, Diky Eliarni S.T Rantenay Farid Farid, Farid Fatlina Z Harnida Wahyuni Adda Hartin Miftahul Jannah Hartin Miftahul Jannah Hidayah, Rizkyawati Hilal Malarangan Husnah Husnah I Nengah Oka Smara Putra Iin Irawati Iin Irawati Indra Setiawan IRA NURIYA SANTI Jualiana Kadang Juliana Kadang KORNELIUS, YOBERTH Latifah Sukmawati Yuniar Launa, Noval Magdalena Palny Ma’dika Maskuri Sutomo Masriani . Moh. Faldi MOH. SAIFULLAH ADAM Moh. Taufal Mohammad Amin Mohammad Amin Mohammad Ega Nugraha Mohammad Nofal Mohammad Zeylo Auriza Muh. Riswandi P Muh. Thaib Muhammad Fahrurahman Muhammad Riswandi Palawa Muhammad Zeylo Auriza Munawarah Munawarah Munawarah Munawarah, Munawarah Munawarah, M. Muslimin Muslimin Muslimin, Ulfah Rizky Nada Afisa Ad’jen Nadhira Afdalia, Nadhira Nayoan, Fera Nichen, Nichen Nini Andriani Nini Andriani Nopriscilla, Niluh Ayu Nurul Miftahul Jannah Putri Utami, Ayu Putri, Inggrid Rahmadhani R, Abdul Azis Rahmat Rahmat Rahmat, Eliarni S.T Rantenay Rahmatio Rahmatio Rian Risendy Rianty, Cici Rifaldi Rifaldi, Rifaldi Ririen Hardani Risendy, Rian Rizki Wembali Rizky, Mega Rosida P. Adam Rudy Gosal Rustam Rustam Sagitha, Tiara Sahrul Fat K. Pandjo Sahrul Fat K. Pandjo Setiawan Mandala Putra Shafwan Juldan Sitti Aminah Hamzah Karim Sri Wanti Suardi Suardi Suardi Suardi Sukardi Nurdin Surayya Surayya Suriyadi Samudra Suryadi Samudera Sutanto, Pascalia Syamsiar, Syamsiar Syamsuddin Syamsuddin Syamsul Bachri Syamsul Bachri Syamsul Bahri Dg. Parani Syamsul Bahri Dg.Parani Syamsul Bahri Dg.Parani Tanra, Andi Ainil Mufidah Teguh Hilmansyah Tiara Urmila Urmila Vitayanti Fattah Zainuddin, Fatlina