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All Journal JURNAL ADMINISTRASI BISNIS Business UHO: Jurnal Administrasi Bisnis International Journal of Artificial Intelligence Research JURNAL MANAJEMEN MOTIVASI JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) SEIKO : Journal of Management & Business AkMen JURNAL ILMIAH Patria Artha Journal of Accounting Dan Financial Reporting YUME : Journal of Management JURNAL MANAJEMEN BISNIS Jurnal Ecoment Global: Kajian Bisnis dan Manajemen Jurnal Ilmiah Teknik Industri Al Kalam : Jurnal Komunikasi, Bisnis dan Manajemen Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik Jurnal Akuntansi Jurnal Manajemen Enrichment : Journal of Management Jurnal Ecogen Journal La Bisecoman Golden Ratio of Marketing and Applied Psychology of Business Jurnal Bina Bangsa Ekonomika Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Golden Ratio of Human Resource Management Golden Ratio of Mapping Idea and Literature Format JWM (JURNAL WAWASAN MANAJEMEN) Sejahtera: Jurnal Inspirasi Mengabdi Untuk Negeri Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Innovative: Journal Of Social Science Research Jurnal Nusantara Berbakti Jurnal Manajemen, Bisnis dan Organisasi (JUMBO) Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Administrasi Bisnis Jeinsa : Jurnal Ekonomi Ichsan Sidenreng Rappang Advances in Human Resource Management Research Advances: Jurnal Ekonomi & Bisnis JER IECON: International Economics and Business Conference Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Ilmiah Bongaya (JIB) Atestasi : Jurnal Ilmiah Akuntansi International Journal of Education Management and Religion
Edy Jumady
Sekolah Tinggi Ilmu Ekonomi Makassar Bongaya
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Public Health Social Sciences Transportation Other

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The Effect of Financial Planning on Consumer Debt Management: The Role of Financial Literacy, Self-Efficacy, and Financial Motivation Jumady, Edy; Alam, Syamsul; Hasbiyadi, Hasbiyadi; Fajriah, Yana; Anggraini, Yaisa
Atestasi : Jurnal Ilmiah Akuntansi Vol. 7 No. 1 (2024): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/atestasi.v7i1.793

Abstract

This qualitative study investigates the complex interplay between financial literacy, financial behavior, self-control, debt management, and financial well-being. Utilizing in-depth interviews with a purposively selected group of individuals engaged in financial planning to manage personal or household debt, the research aims to explore how financial literacy, self-efficacy, and financial motivation mediate the relationship between financial planning and consumer debt management. The methodology encompasses a thematic analysis of participants' narratives to identify and interpret the underlying themes related to financial management practices. Findings reveal a multifaceted relationship where financial literacy emerges as a foundational element, enhancing participants' ability to manage debt effectively. High financial self-efficacy, influenced by literacy, motivates proactive financial behaviors, leading to improved financial well-being. Conversely, low self-control and procrastination were identified as significant barriers to effective debt management. The study also highlights the pivotal role of quantitative literacy and material values in shaping financial behavior, with strong quantitative skills and lower materialism associated with forward-looking financial decisions. These insights underscore the need for comprehensive financial education that addresses not only the cognitive aspects of financial decision-making but also the psychological factors influencing financial behaviors. Tailoring financial education to individual needs and contexts is critical for enhancing financial literacy, self-efficacy, and motivation, ultimately leading to better debt management and financial health.
Dampak Pengetahuan Dan Sikap Membentuk Keuangan Keperilakuan Serta Kapabilitas Keuangan Ilham, Muhammad; Jumady, Edy; Yusuf, Marwah
Patria Artha Journal of Accounting dan Financial Reporting Vol 9, No 2 (2025): Patria Artha Journal of Accounting& Financial Reporting
Publisher : Universitas Patria Artha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33857/jafr.v9i2.969

Abstract

MSME actors in traditional markets in Makassar City are faced with a lack or limitation of financial knowledge and attitudes towards finance are not optimal so that they have an impact on behavioral finance and financial capability. Thus, the purpose of this study is to examine the role of financial knowledge and attitudes towards finance with behavioral finance and financial capability. The MSME population of the two traditional markets, namely the Pannampu market and the Terong market, totaled 530. The sampling technique uses purposive sampling with the consideration that at least two years of operation and has a turnover that tends to be low and employees from households which are divided into 56 people in the Pannampu market and 44 people in the Terong market so that the total sample is 100 respondents. Data analysis using SmartPLS. The results showed that financial knowledge has a positive and significant effect on behavioral finance. Furthermore, financial attitudes towards behavioral finance have a positive and significant effect. Finally, behavioral finance has a positive and significant effect on financial capability. This study extends the validity of the results of previous studies, as well as providing practical implications that the better the financial knowledge and financial attitudes, the better the behavioral finance and the better the financial capability by traditional market MSME players. 
Peningkatan Pemahaman Digital Marketing para Pelaku UMKM Kecamatan Sanrobone Kabupaten Takalar Hasbiyadi Hasbiyadi; Andi Sulfati; Edy Jumadi; Ruslan Ahmad; Marwah Yusuf; Erniwaty Madya; Muhammad Tafsir
Jurnal Nusantara Berbakti Vol. 1 No. 4 (2023): Oktober : Jurnal Nusantara Berbakti
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jnb.v1i4.261

Abstract

The aim of this training activity is to increase the knowledge and abilities of MSME business actors in the field of digital marketing. This digital marketing socialization activity was carried out in Sanrobone village, Takalar district, which was the result of collaboration between the Sanroboe village government and STIEM Bongaya Makassar. This community service uses a participatory approach. Method of delivering material in the form of lectures. The speaker uses the lecture form to deliver the activity material, then continues with a discussion. This activity was attended by 15 MSME players. The observation results are that most MSME entrepreneurs have not done digital marketing well. There are several obstacles in managing MSMEs, namely human resource capabilities are still low, the market share of goods/services produced by MSMEs is still limited, lack of capital, and not having a good bookkeeping system. as well as a lack of understanding by the perpetrators. Follow-up activities are expected to be more technical in the form of training and technical guidance related to Digital Marketing for MSME development, both manually and application-based.
Kesiapan Kerja Dimediasi oleh Pengalaman Kerja Magang Nur Rahmah Wahyuddin; Mifta Farid Salam; Edy Jumady; Yana Fajriah
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 4 No. 2 (2026): April: JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v4i2.3774

Abstract

This study aims to analyze the influence of the implementation of the Merdeka Belajar Kampus Merdeka (MBKM) Internship Program and soft skills on the work readiness of students at Universitas Ichsan Sidenreng Rappang, with internship experience as a mediating variable. The research employed a quantitative approach using Structural Equation Modeling (SEM) with AMOS. The study population consisted of 139 students who participated in the MBKM Internship Program in batches I and II, with samples determined through purposive sampling. The results reveal that the MBKM Internship Program has a positive and significant effect on both internship experience and students’ work readiness. Soft skills have a positive and significant effect on internship experience but do not directly influence work readiness. Furthermore, internship experience has a positive and significant effect on work readiness and acts as a mediating variable in the relationship between the MBKM program and soft skills with work readiness. This study provides practical contributions for students in optimizing internship experiences and soft skill development, for universities in evaluating MBKM program implementation, and for industries in designing internship programs that are relevant to labor market demands
The Effect Of Business Risk And Firm Size On Return On Assets With Capital Structure As A Moderating Variable In General Insurance Companies For The 2021-2023 Period Annisa, Devi; Jumady, Edy; Fajriah, Yana
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8016

Abstract

This study aims to analyze the effect of business risk and firm size on profitability (ROA), with capital structure as a moderating variable in general insurance companies listed on the IDX for the 2021–2023 period. The method used is panel data regression with the Random Effect Model (REM), based on secondary data from financial statements. The results show that business risk has a significant positive effect on ROA, while firm size has no significant effect. Capital structure moderates the effect of business risk on ROA, but not firm size. These findings underline the importance of risk and capital structure management.
The Role Of BOPO In Moderating The Effect Of NIM On Profit Growth In State-Owned Banks Rahmayani Rahmayani; Edy Jumady; Ruddin
International Journal of Education Management and Religion Vol. 3 No. 2 (2026): July 2026
Publisher : Pondok pesantren As-salafiyah As-Safi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/ijemr.v3i2.1091

Abstract

This study examines the role of the Operating Expenses to Operating Income ratio (BOPO) in moderating the effect of Net Interest Margin (NIM) on profit growth in state-owned banks in Indonesia. Banking profitability is not only determined by interest margin performance but also by operational efficiency, making BOPO a critical contextual factor in explaining profit growth dynamics. The population consists of four state-owned banks listed on the Indonesia Stock Exchange, observed over the period 2013–2023. Using a saturated sampling technique, the study analyzes 44 annual financial report observations. The research applies a quantitative approach with panel data regression and Moderated Regression Analysis (MRA). The results indicate that NIM has a positive and significant effect on profit growth, showing that higher interest margin management contributes directly to increased profitability. Furthermore, the interaction term between NIM and BOPO is statistically significant, confirming that BOPO acts as a moderating variable that strengthens the relationship between NIM and profit growth. This finding implies that the positive impact of NIM on profit growth becomes stronger when banks operate more efficiently in controlling operating costs relative to operating income. The study highlights the importance of integrating margin management and operational efficiency strategies to enhance sustainable profit growth in state-owned banking institutions.
The Role of Work Motivation as a Mediator for the Relationship between Job Satisfaction and Employee Performance at PT Telkom Divre VII Makassar Ampauleng Ampauleng; Salma Abdullah; Edy Jumady
International Journal of Artificial Intelligence Research Vol 6, No 1.2 (2022)
Publisher : Universitas Dharma Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29099/ijair.v6i1.2.630

Abstract

This study aims to examine and analyze the effect of job satisfaction on work motivation and employee performance and to analyze the effect of work motivation on employee performance at PT. Telkom Divre VII Makassar. This type of research is quantitative and the data source used in this study is secondary data by collecting related data files and using primary data obtained from questionnaires with purposive sampling technique used in determining the sample. The population of the research object is 163 and the number of samples determined is 62 respondents using the Slovin formula. The results of the questionnaires obtained from the respondents have been tested by instruments consisting of validity tests and reliability tests. The data analysis method used is descriptive statistics with the help of the SPSS program. The hypothesis testing used is the sobel test. The results of this study indicate that job satisfaction has a significant positive effect on work motivation, work motivation has a positive effect on employee performance and work motivation has a positive effect on employee performance. Work motivation is not able to mediate significantly between the effect of job satisfaction on the performance of employees of PT. Telkom Divre VII Makassar
The Influence of Environment, Workload, Financial and Non-Financial Compensation on Work Motivation at DPMPTSP Makassar Nurlina Nurlina; Edy Jumady
International Journal of Artificial Intelligence Research Vol 6, No 1.2 (2022)
Publisher : Universitas Dharma Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29099/ijair.v6i1.423

Abstract

This study examines the effect of the environment, workload, financial and non-financial compensation on employee motivation at DPMPTSP Makassar City. The research questions posed in this study are: does the work environment affect work motivation, whether workload affects work motivation, and whether compensation has an effect on employee motivation. This research was conducted at DPMPTSP Makassar City. There are 52 respondents who have been selected as samples using the saturated sampling technique. The method of data collection is by using a questionnaire. The data analysis technique in this research is multiple linear regression analysis. The study found that the hypothesis in this study has been significantly proven. The work environment has a positive and significant effect on work motivation, workload has a negative and insignificant effect on work motivation, and compensation has a positive and significant effect on employee motivation. The implication of this research is that the work environment and compensation have an equally important role in increasing employee motivation at DPMPTSP Makassar City
The Influence of Transformational Leadership and Social Interaction on Employee Performance with Work Motivation as Mediating Variable M. Mahmud; Jannati Tangngisalu; Edy Jumady
Golden Ratio of Mapping Idea and Literature Format Vol. 5 No. 2 (2025): February - June
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v5i2.1887

Abstract

This study aims to analyze the influence of leadership and social interaction on employee performance, with work motivation serving as a mediating variable, at the South Makassar Primary Tax Office. The background of this research is based on the phenomenon of low employee performance, which is influenced not only by leadership factors but also by social interactions among employees and the motivation they possess. The research employed a quantitative approach using Partial Least Squares–Structural Equation Modeling (PLS-SEM) as the analysis technique. Data were collected through questionnaires distributed to employees of the South Makassar Primary Tax Office, who served as the research respondents. The results of the study indicate that: (1) leadership has a negative and insignificant effect on employee performance; (2) social interaction has a positive and significant effect on employee performance; (3) work motivation has a positive and significant effect on employee performance; (4) leadership has a positive and significant effect on work motivation; (5) social interaction has a positive and significant effect on work motivation; (6) leadership has a positive and significant effect on employee performance through work motivation; and (7) social interaction has a positive and significant effect on employee performance through work motivation. The conclusion of this study is that work motivation serves as a key mediating variable, bridging the influence of leadership and social interaction on employee performance. Therefore, improving employee performance can be achieved by strengthening work motivation through inspirational leadership and harmonious social interaction within the organization.
The Influence of Organizational Culture and Compensation on Employee Performance Through Employee Job Satisfaction Nurrachmi Mustafa; Muh. Akob; Edy Jumady
Golden Ratio of Mapping Idea and Literature Format Vol. 5 No. 2 (2025): February - June
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v5i2.1888

Abstract

This study examines the influence of organizational culture and compensation on job satisfaction and employee performance among administrative staff at the Faculty of Engineering, Hasanuddin University. Using a quantitative explanatory research design, data were collected from 93 employees through a structured questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that both organizational culture and compensation have positive and significant effects on job satisfaction. However, organizational culture does not directly affect employee performance; instead, its impact is fully mediated by job satisfaction. Conversely, compensation demonstrates both direct and indirect significant effects on performance. Job satisfaction itself shows a strong positive relationship with employee performance, underscoring its essential role in enhancing work outcomes. These results contribute to the theoretical understanding of human resource management by confirming the mediating role of job satisfaction and emphasizing compensation as a key driver of employee performance. Managerially, the study highlights the need for strengthening cultural values, improving compensation systems, and enhancing non-financial work conditions to foster satisfaction and performance. Despite its contributions, the study is limited by its cross-sectional design, single institutional setting, and reliance on self-reported data. Future research should explore broader institutional contexts and include additional organizational behavior variables to enrich the understanding of performance determinants.
Co-Authors A. Dahrul Abdul Halik Abdul Mansyur Abdul Rajab Abdullah, Salma Adharry, Muhammad Agung Muslim, Muhammad Ahmad Anto Akob, Muh Ali, Firman Ampauleng Ampauleng Ampauleng, A. Andi Sulfati Anggraini, Yaisa Anita Idris Annisa, Devi Ardiansyah Halim Arief, Faisal Arief, Muhammad Faisal Baharuddin Baharuddin Bungatang Bungatang Bungatang, B. Chalid Imran Musa Chalid Imran Musa Dewi Manja Dharmawati Djaharuddin Djaharuddin, Dharmawati Djaharuddin, Dharnawaty Djamila Saleh Erniwaty Madya Fardiansyah, Ibnu Eka Firdayanti, Erfani Firman Ali Halim, Ardiansyah Hardi, Muhammad Wahyuddin Hasbiyadi Hasbiyadi Hasbiyadi Hasbiyadi Hasbiyadi, Hasbiyadi Hasyim Mucktar Hatta, Sukarno Heslina, Heslina Hidayat Hidayat Hidayat, Yusran Hijriah, Nurul Ilmah Heri Utari Indri Septiani Intan Intan Irwan Muin Ishak, Rahmawati Kadir, Moh. Akob Kusdiningsih M. Torano Lilla, L. M. Mahmud Marwah Yusuf Marwan Marwan Masrum, Muhammad Mifta Farid Salam Muh. Akob Muh. Ma’ruf Idris Muhammad Faisal Arief Muhammad Ilham Muhammad Irwan Nur Hamiddin Muhammad Tafsir Muklis Kanto Mustari, Muh. Fiqri N. Nurlina Natsir, Ramlan Nur Rahmah Wahyuddin NurAfni NurAfni Nuramaliadina, Nuramaliadina Nurlina Nurlina Nurlina Nurrachmi Mustafa Nurul Qaisah Amaliah Pattiware, Andi Putra Akbar, Ade Rahmayani Rahmayani Ramlan Natsir Ramlan, Muchsin Raodhatuljannah, Andi Sitti Ridjal, Syamsul Rosmayani Ruddin Ruslan Ahmad Rusni, Muh. S. Sahabuddin Sahidah Sahidah Sahidah, Sahidah Salma Abdullah Sigit Sugiarto Suhendra S Sukarno Hatta Sumartan Sumartan Syahruddin, Herman Syahrudin Syahrudin, Syahrudin SYAMSU ALAM Syamsul Alam, Syamsul Syamsul Ridjal Tangngisalu, Jannati Ukke, Andi Tenri Utami, Mita Utari, Ilmah Heri Yaisa Anggraini Yana Fajriah Yudhi Adhitya Yusuf, Marwah Zulkarnin Basir