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All Journal Jurnal Ekonomi Trend : Pemasaran, Produksi, Keuangan, SDM, Akuntansi dan Sistem Informasi Manajemen Jurnal Ilmu Ekonomi dan Bisnis Islam AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Annals of Human Resource Management Research Reviu Akuntansi, Manajemen, dan Bisnis TechTalent & Business Review Oikonomia : Journal of Management Economics and Accounting
Muhammad Umar
Universitas Alkhairaat
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Social Sciences Other

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PENGARUH BAURAN PEMASARAN JASA TERHADAP KEPUTUSAN KONSUMEN MENGGUNAKAN JASA VARIASI MOBIL DI KOTA PALU (STUDI PADA BENGKEL QOOL IT CAR STYLIST) Umar A, Muhammad; Kamal, Kamal
Jurnal Ekonomi Trend Vol 8 No 2 (2020)
Publisher : Fakultas Ekonomi Universitas Alkhairaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31970/trend.v8i2.195

Abstract

Tujuan dari penelitian ini adalah (1). Untuk mengetahui variabel bauran pemasaran jasa, yang terdiri dari variabel produk, harga, promosi, tempat pelayanan, orang, bukti fisik, dan proses yang secara simultan berpengaruh signifikan terhadap keputusan konsumen menggunakan jasa variasi mobil pada Bengkel Qool It Car Stylist di Kota Palu. (2) Untuk mengetahui variabel bauran pemasaran jasa, yang terdiri dari variabel produk, harga, promosi, tempat pelayanan, orang, bukti fisik, dan proses yang secara parsial berpengaruh signifikan terhadap keputusan konsumen menggunakan jasa variasi mobil pada Bengkel Qool It Car Stylist di Kota Palu. Adapun hasil penelitian menunjukkan bahwa variabel bauran pemasaran jasa (X) memiliki hubungan yang searah dengan keputusan konsumen (Y) sebesar 80.3% dan sisanya adalah 19.7% adalah faktor lain di luar penelitian. Bauran Pemasaran Jasa yang terdiri dari produk, harga, promosi, tempat pelayanan, orang, bukti fisik dan proses juga di uji secara parsial. Hasil penelitian menunjukkan bahwa elemen dari bauran pemasaran jasa berpengaruh secara signifikan terhadap keputusan konsumen adalah variabel produk, harga, proses, tempat pelayanan, orang dan proses. Sedangkan bukti fisik berpengaruh namun tidak signifikan. Dari hasil pengujian secara parsial ditemukan satu variabel yang berpengaruh dominan dan signifikan terhadap keputusan konsumen, variabel tersebut adalah Produk (X1), dengan nilai koefisien determinasi parsial sebesar 40.4% Kata Kunci: Produk, harga, promosi, tempat pelayanan, orang, bukti fisik, dan proses dan keputusan konsumen
The effect of compensation, discipline and work environment on the performance of State Civil Apparatus (ASN) of the Transportation Service of Parigi Moutong Regency Sakaria, Maulid; Umar, Muhammad
Annals of Human Resource Management Research Vol. 5 No. 1 (2025): March
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ahrmr.v5i1.3514

Abstract

Purpose: The purpose of this study is to find out how compensation, work discipline, and work environment affect the performance of the State Civil Apparatus (ASN) at the Transportation Service of Parigi Moutong Regency. Research Methodology: The research was conducted at the Transportation Service Office of Parigi Moutong Regency. The study used a descriptive quantitative method with a questionnaire survey given to 49 respondents.The data were analyzed using multiple regression and correlation analysis to measure the relationship and influence between variables. Results: The results show that compensation, discipline, and work environment have a very strong relationship with employee performance, with a correlation coefficient (R) of 0.874. The coefficient of determination (R²) is 0.763, which means that 76.3% of employee performance is influenced by the three variables, while 23.7% is influenced by other factors not studied. Conclusions: Compensation, discipline, and work environment together have a significant and strong influence on the performance of the State Civil Apparatus. Improving these factors can lead to better productivity and work results among employees. Limitations: The study only involved a small number of respondents (49) from one government agency in Parigi Moutong Regency, so the findings cannot be generalized to all public institutions. Contribution: This study contributes to public administration and HR management by showing how internal factors affect employee performance. It can help local governments and policymakers improve management and evaluation practices.
The Influence of Leadership Style, Organizational Culture, and Work Environment on Turnover Intention at PT. Mandala Multifinance, Palu Branch Rahman, Abd.; A, Muhammad Umar; Yasin, Muhammad; Rezal, Muhammad; Sangkota, Megawaty; Azis, Abd.
TechTalent & Business Review Vol. 1 No. 3 (2025): TTBR-October 2025
Publisher : Asosiasi Peneliti dan Inovasi Nusantara (APIN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63985/ttbr.v1i3.47

Abstract

This study aims to examine the extent to which the influence of leadership style (LS), organizational culture (OC), and work environment (WE) on the turnover intention (TI) of employees of PT. Mandala Multifinance. The assumption is that these three variables are one of the factors causing many employees to leave the company. The company cannot ignore these causal factors because they can affect the comfort of employees, which ultimately affects their desire to leave the company. This research involved 115 employees of PT. Mandala Multifinance and tested quantitatively using SPSS version 22. This study's calculated results indicate a partial positive influence on LS and OC variables, while the WE variable does not. Simultaneous calculation results show a positive influence of the three variables on turnover intention. In the competitive landscape of the financial services industry, where employee retention is critical to maintaining service quality and client trust, understanding these factors is essential. High turnover can disrupt client relationships and increase recruitment and training costs, making it imperative for organizations to address leadership, culture, and environmental factors effectively. This study suggests that all companies, particularly in the financial sector, pay attention to these factors for the convenience of employees to reduce turnover intention.
Digital Economic Revolution: The Role of Internet of Things (IoT) And Artificial Intelligence (AI) in Business Management and Accounting Muhammad Umar A
Oikonomia : Journal of Management Economics and Accounting Vol. 2 No. 2 (2025): Oikonomia-February
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v2i2.298

Abstract

The digital economic revolution has changed the global business paradigm by integrating Internet of Things (IoT) and Artificial Intelligence (AI) technologies in company operations. IoT enables connectivity between devices that generate real-time data, while AI analyzes the data to improve decision-making. The implementation of these technologies improves operational efficiency, reduces human error, and accelerates business cycles. However, challenges such as data security, unequal access to technology, and the need to improve workforce competencies are still major obstacles. In accounting and business management, AI and IoT have accelerated the digitization of financial records, data analysis, and risk management. AI with machine learning algorithms can detect suspicious financial patterns and improve the accuracy of financial predictions, while IoT supports supply chain efficiency and asset management. However, the adoption of these technologies requires substantial financial investment as well as regulatory and company policy readiness. In addition, challenges in cybersecurity and digital skills gaps demand comprehensive mitigation strategies. Therefore, collaboration between companies, educational institutions and the public sector is crucial in ensuring the success of sustainable and ethical digital transformation. With the right strategy, companies can optimize AI and IoT to increase competitiveness in the digital era
The Influence of Work Discipline and Work Environment on Employee Performance in the Social Service Office of Palu City Indonesia Abd. Rahman; Soegeng Wahyoedi; Ruby Santamoko; Muhammad Umar
Annals of Human Resource Management Research Vol. 6 No. 1 (2026): March
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ahrmr.v6i1.3744

Abstract

Purpose: This study aimed to examine the effects of work discipline and work environment on employee performance at the Social Service Office of Palu City. Improving employee performance in public sector institutions is essential for ensuring effective public service delivery and organizational productivity. Research Methodology: This study used a quantitative survey approach involving 45 employees at the Palu City Social Service Office as respondents. Data were collected through structured questionnaires and analyzed using multiple linear regression with IBM SPSS Statistics 25 to determine the influence of work discipline and work environment on employee performance. Results: The results indicate that work discipline and work environment positively and significantly affect employee performance. Partially, work discipline shows a significant influence on employee performance (β = 0.421; p < 0.05), while the work environment also has a significant positive effect (β = 0.387; p < 0.05). Simultaneously, both variables significantly affected employee performance, with an R² value of 0.62, indicating that 62% of the variation in employee performance could be explained by work discipline and work environment. Conclusions: The study concludes that improving work discipline and creating a supportive work environment can significantly enhance employee performance in public-sector organizations. Limitations: This study was limited by its cross-sectional design and relatively small sample size. Contributions: This study contributes to the development of public administration and human resource management literature, particularly in understanding the factors influencing employee performance in local government institutions.
Saudi-Indo Digital Financial Literacy: Empowering PCIM Saudi Arabia Students Through Simple Financial Management Training and Sharia Based Investment Sahabuddin Nanda; M. Yusuf K; A. Ifayani Haanurat; Sukmawati Sukmawati; Muchriana Muchran; Wa Ode Rayyani; Asri Jaya; Zalkha Soraya; Samsul Bahari; Muhammad Umar A
AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Vol. 10 No. 1 (2026)
Publisher : Asia Pacific Network for Sustainable Agriculture, Food and Energy (SAFE-Network)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29165/ajarcde.v10i1.920

Abstract

This community service activity aims to improve students' financial literacy at the Special Branch of Muhammadiyah (PCIM) in Saudi Arabia through training in basic financial management and sharia-based investment. The program was held at the PCIM Saudi Arabia Centre (Rumah Buya Hamka), Medina, on November 11, 2025, and involved collaboration among three universities: Muhammadiyah University Makassar, Muhammadiyah University Buton, and Alkhairaat University. The methodological approach used was participatory-educational with interactive lectures, discussions, simulations, and hands-on practice. The activity results showed a significant increase in participants' conceptual understanding and practical skills in budgeting, cash flow management, financial planning, and recognising safe and productive sharia-compliant investment instruments. In addition, this activity strengthened students' ethical awareness and financial responsibility by integrating Islamic values into each training session. This program contributes to strengthening the economic capacity of diaspora students and strengthening collaborative networks across universities and the Muhammadiyah community in Saudi Arabia. Thus, this activity has the potential to serve as a model for community service grounded in adaptive, applicable, and sustainable Islamic financial literacy, relevant for replication among Indonesian student communities in various countries. Contribution to Sustainable Development Goals (SDGs):SDG 4: Quality EducationSDG 8: Decent Work and Economic GrowthSDG 10: Reduced InequalitiesSDG 12: Responsible Consumption and Production
PERAN KEPUASAN MEMEDIASI SERVICE QUALITY DAN PRICE TERHADAP LOYALITAS PELANGGAN STAR KITCHEN DI KOTA PALU Muhammad Umar A; Marjun Marjun; Labandingi Latoki; Syaifuddin Rizal; Mayang Sari
Jurnal Ekonomi Trend Vol 14 No 1 (2026)
Publisher : Fakultas Ekonomi Universitas Alkhairaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31970/trend.v14i1.672

Abstract

Penelitian ini bertujuan menganalisis peran kepuasan dalam memediasi pengaruh service quality dan price terhadap loyalitas pelanggan Star Kitchen di Kota Palu. Penelitian menggunakan pendekatan kuantitatif dengan jenis asosiatif kausal. Data primer dikumpulkan melalui kuesioner terhadap 102 pelanggan yang dipilih menggunakan purposive sampling, dengan kriteria berusia minimal 17 tahun dan telah berbelanja lebih dari dua kali. Analisis data dilakukan menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan SmartPLS 4. Hasil penelitian menunjukkan bahwa service quality dan price berpengaruh positif dan signifikan terhadap kepuasan. Price dan kepuasan berpengaruh positif dan signifikan terhadap loyalitas pelanggan, sedangkan service quality tidak berpengaruh langsung secara signifikan terhadap loyalitas pelanggan. Hasil mediasi menunjukkan bahwa kepuasan memediasi secara penuh pengaruh service quality terhadap loyalitas pelanggan dan memediasi secara parsial pengaruh price terhadap loyalitas pelanggan. Temuan ini menegaskan bahwa loyalitas pelanggan ritel tidak hanya dibentuk oleh layanan dan harga, tetapi terutama melalui pengalaman puas yang dirasakan pelanggan.
Investment Analytics, Fintech, Risk Perception, and Diversification Novi Puji Lestari; Nirsetyo Wahdi; Muhammad Umar A; Bagastya Christian Santoso; Abdul Manap
Reviu Akuntansi, Manajemen, dan Bisnis Vol 6 No 2 (2026): Juni
Publisher : Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/rambis.v5i4.7045

Abstract

Purpose: This study examines how investment analytics capability influences portfolio diversification effectiveness through financial technology integration and strategic risk perception in Indonesia’s emerging capital market.Research Methodology: A quantitative cross-sectional design was applied using purposive sampling of 150 investors, advisors, asset managers, and fund managers. Data were collected through a Likert-scale questionnaire and analyzed using PLS-SEM with SmartPLS 4.Results: Investment analytics capability positively influences financial technology integration (? = 0.642, p < 0.001) and strategic risk perception (? = 0.591, p < 0.001). Financial technology integration improves diversification effectiveness (? = 0.483, p < 0.001), while strategic risk perception has a negative effect (? = ?0.324, p < 0.001).Conclusion: Investment analytics capability enhances diversification through technology adoption but may also increase risk awareness that limits portfolio expansion.Limitations: This study is limited by its cross-sectional design, sample size, and focus on Indonesian investors, which may affect broader applicability.Contributions: This study contributes an integrated model linking analytical capability, fintech adoption, and risk perception, while providing insights for investors and financial institutions to improve investment strategies.
PENGARUH KOMPETENSI, DISIPLIN DAN MOTIVASI TERHADAP KINERJA ASN PADA BADAN PERENCANAAN PEMBANGUNAN DAERAH PROVINSI SULAWESI TENGAH Abd Rahman; Busman Busman; Mohamad Adfar; Muhammad Umar A; Yunarti Patilima
Jurnal Ekonomi Trend Vol 13 No 1 (2025)
Publisher : Fakultas Ekonomi Universitas Alkhairaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31970/trend.v13i1.552

Abstract

Tujuan yang ingin dicapai dalam penelitian ini untuk mengetahui Pengaruh Kompetensi, Disiplin Dan Motivasi Terhadap Kinerja ASN Pada Badan Perencanaan Pembangunan Daerah Provinsi Sulawesi Tengah. Penelitian ini menggunakan metode penelitian kuantitatif dengan alat bantu kuesioner terhadap 60 responden. Tehnik analisis yang digunakan adalah analisis regresi linear berganda dengan menggunakan alat uji statistik SPSS versi 30, hasil penelitian ini memberi bukti bahwa: (1) Kompetensi berpengaruh positif dan signifikan terhadap kinerja ASN Bappeda Provinsi Sulawesi Tengah, dengan nilai koefisien kompetensi sebesar 0,318 dan nilai signifikansinya 0,004, (2) Disiplin berpengaruh positif dan signifikan terhadap kinerja ASN Bappeda Provinsi Sulawesi Tengah, dengan nilai koefisien disiplin sebesar 0,391 dan nilai signifikansinya <0,001, (3) Motivasi berpengaruh positif dan signifikan terhadap kinerja ASN Bappeda Provinsi Sulawesi Tengah, dengan nilai koefisien motivasi sebesar 0,290 dan nilai signifikansinya <0,001, (4) Kompetensi, disiplin dan motivasi secara serempak berpengaruh signifikan terhadap kinerja ASN Bappeda Provinsi Sulawesi Tengah, kontribusi pengaruh kompetensi, disiplin, dan motivasi terhadap kinerja ASN Bapedda Provinsi Sulawesi Tengah dengan R square atau koefisien determinasi (R2) sebesar 57.1% sedangkan sisanya 42,9% adalah pengaruh variabel lain yang tidak diteliti dalam penelitian ini. Kata Kunci: Kompetensi, Disiplin, Motivasi, Kinerja ASN
Service Quality, Perceived Price Fairness, and Customer Loyalty in Local Retail: The Mediating Role of Customer Satisfaction and an Islamic Business Ethics Interpretation Muhammad Umar A; Abd. Azis; Rudin M
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol. 8 No. 2 (2026)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v8i2.502.120-149

Abstract

Customer loyalty in local retail is commonly explained by service quality and pricing; however, the indirect statistical pathway through which these factors are associated with loyalty remains underexamined, particularly from an Islamic business ethics perspective. This study examined the relationships among service quality, perceived price fairness, customer satisfaction, and customer loyalty at Star Kitchen, a local retailer in Palu, Indonesia. Using a cross-sectional design, data were collected from 102 repeat customers through a questionnaire and analyzed using PLS-SEM. Service quality was modeled as a reflective–reflective higher-order construct comprising tangibles, reliability, responsiveness, assurance, and empathy. Service quality and perceived price fairness were positively associated with customer satisfaction, with perceived price fairness exhibiting the stronger association. Among the significant direct paths, customer satisfaction showed the largest association with loyalty, whereas neither service quality nor perceived price fairness was directly associated with loyalty. Mediation analysis indicated indirect-only mediation through customer satisfaction in both relationships. PLSpredict indicated high out-of-sample predictive performance. Islamic business ethics was not measured directly but was applied as a normative interpretive framework. Accordingly, the findings may be interpreted as consistent with amānah, ṣidq, iḥsān, ʿadl, transparency, and mutual consent, without constituting empirical validation of these principles. The study provides contextual evidence from an ordinary local retail setting and identifies customer satisfaction as the principal indirect statistical pathway linking service and price evaluations to loyalty.
Co-Authors A. Ifayani Haanurat Abd Azis Abd Rahman Abd. Azis Abd. Azis, Abd. Abd. Rahman Abd. Rahman Abd. Rahman Abdul Manap Albar Alaydrus Asri Jaya Bagastya Christian Santoso Busman Busman Firza Umar Salim Kamal, Kamal Labandingi Latoki M. Yusuf K Marjun Marjun Mayang Sari Mohamad Adfar Muchriana Muchran Muhammad Yasin Nanang Qosim Nirsetyo Wahdi Novi Puji Lestari Nur Afni Rezal, Muhammad Ruby Santamoko Rudin M Sahabuddin Nanda Sakaria, Maulid Samsul Bahari Sangkota, Megawaty Soegeng Wahyoedi Sujarwadi Sujarwadi Sukmawati Sukmawati Syaifuddin Rizal Thalhah Al Idrus Wa Ode Rayyani Yunarti Patilima Zalkha Soraya Zulfikar Jakaputera Djalamang