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All Journal Patria Artha Journal of Accounting Dan Financial Reporting POINT Window of Public Health Journal Islamic Financial And Accounting Review
Nur, Sri Wahyuni
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Economics, Econometrics & Finance Health Professions Public Health

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Journal : islamic financial and accounting review

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THE EFFECT OF ACCOUNTABILITY AND TRANSPARENCY ON THE EFFECTIVENESS OF PAREPARE SHARIA STATE SAVINGS BANK Humeirah, Zahra; Purnamasari, Rini; Nur, Sri Wahyuni
Islamic Financial And Accounting Review Vol 3 No 2 (2025): Islamic Financial And Accounting Review
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v3i2.14960

Abstract

Bank Tabungan Negara Syariah Parepare faces the problem of lack of transparency and accountability. Customers complain about the lack of disclosure of information related to products, services, and financial conditions. In addition, unclear reports indicate the weak accountability of banks in fund management in accordance with sharia principles. The problems raised in this study are based on the lack of transparency and accountability in the management of funds and information to customers, which has an impact on declining trust and service effectiveness. This study aims to determine the Influence of Accountability and Transparency on the Effectiveness of the Parepare Sharia State Savings Bank (BTN). This study uses a field research approach with a quantitative method. The research data was obtained from the results of questionnaires and observations. The research sample was 100 customers of the Parepare Syariah State Savings Bank using the slovin technique. The data analysis technique used is quantitative analysis using SPSS. The results of the study showed that the multiple linear regression test was known to have a sig value for the Accountability variable of 0.009<0.05, and the Transparency variable was 0.024<0.05, meaning that Accountability and Transparency had an effect on the effectiveness of the Parepare Sharia State Savings Bank. So it can be concluded that H1 and H2 are accepted, the results of the analysis show that the two independent variables together have a significant effect on effectiveness with a calculated F value of 10.371 and a significance value of 0.000<0.05, then it can be concluded that H3 is accepted. The test of the determination coefficient (R2) X1,X2 and Y was 18.1% while the remaining 81.9% was explained by other variables outside this model.
TRANSFORMATION OF PAYMENT METHODS AMONG MILLENIALS: A STUDY ON THE ADOPTION AND EFFECTIVENESS OF ELECTRONIC MONEY IN PAREPARE CITY Ramadhan, Fitrah Anugrah; Nur, Sri Wahyuni; Damirah; Addury, Multazam Mansyur
Islamic Financial And Accounting Review Vol 4 No 1 (2025): Islamic Financial And Accounting Review
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v4i1.15569

Abstract

The digital revolution has changed the landscape of the payment system in Indonesia, especially among millennials who are increasingly adopting electronic money as the primary method of transactions. This study aims to analyze the adoption of factors that affect the use, as well as the effectiveness of electronic money in meeting the transaction needs of the millennial generation in Parepare City. Using a qualitative approach with a case study method, this study collected data through in-depth interviews with electronic money users from various social and economic backgrounds. The results of the study show that ease of use, transaction security, various incentives such as cashback and discounts, and social factors are the main factors in the adoption of electronic money. In addition, the effectiveness of electronic money can be seen in transaction efficiency, transaction automation, Accessibility and Flexibility, and Multitransactions. However, challenges such as uneven digital literacy and growing payment infrastructure are obstacles to wider adoption. These findings provide insights for financial service providers, governments, and the public in improving a more inclusive and effective digital payments ecosystem.
Co-Authors , Andi Tenri Uleng Akal Damirah Humeirah, Zahra Madein, Afdal Multazam Mansyur Addury Nagu, Nadhirah Nasruddin Syam Ramadhan, Fitrah Anugrah Rezky Aulia Yusuf Rini Purnamasari, Rini