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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi BAREKENG: Jurnal Ilmu Matematika dan Terapan JEMMA | Journal of Economic, Management and Accounting Jurnal Akuntansi Studi Ilmu Manajemen dan Organisasi ProBisnis : Jurnal Manajemen Golden Ratio of Mapping Idea and Literature Format Journal of Management Sains (JMS) Jurnal Riset Manajemen dan Akuntansi (JURIMA) Lensa Ilmiah: Jurnal Manajemen dan Sumberdaya Journal of Artificial Intelligence and Digital Business Benefit : Journal of Bussiness, Economics, and Finance Paradoks : Jurnal Ilmu Ekonomi Economos : Jurnal Ekonomi dan Bisnis POMA JURNAL Jurnal Manajemen dan Ekonomi Terapan IJMA Jurnal Social Society Jurilma FUNDS: Jurnal Ilmiah Akutansi, Keuangan, dan Bisnis International Journal of Education Management and Religion JIMEK Jurnal Manajemen, Bisnis dan Kewirausahaan INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) JAMAN: Jurnal Mahasiswa Manajemen
Muhammad Haekal Yunus
Universitas Andi Djemma
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Library & Information Science Mathematics Mechanical Engineering Physics Social Sciences Transportation Other

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Understanding Generation X’s Adoption of Digital Payment Systems: An Integrated Utaut–ToE Perspective Yunus, Muhammad Haekal; Nurjannah, Nurjannah; Zainuddin, Ahmad Fuad; Erwina, Erwina
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 12 No 2 (2025): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v12i2.56396

Abstract

This study examines Generation X’s intention to adopt digital payment systems by integrating the Unified Theory of Acceptance and Use of Technology (UTAUT) with the Technology–Organization–Environment (ToE) framework. It contributes to the fintech adoption literature by explicitly disentangling individual-level behavioral drivers from organizational and environmental constraints, thereby clarifying why adoption among Generation X remains uneven despite widespread technological diffusion. Using survey data from 200 Generation X respondents and analyzing the model with PLS-SEM, we find that UTAUT constructs, including performance expectancy, effort expectancy, social influence, facilitating conditions, and trust, significantly predict adoption intention. In contrast, ToE-related factors exhibit weaker explanatory power, suggesting limited salience of organizational and environmental conditions for this cohort. These findings imply that policies and managerial strategies aimed at accelerating fintech adoption among Generation X should prioritize behavioral alignment and digital confidence rather than structural or institutional interventions.
PENGARUH PENGGUNAAN QRIS TERHADAP PERILAKU KEUANGAN MAHASISWA PROGRAM STUDI MANAJEMEN ANGKATAN 2024 UNIVERSITAS ANDI DJEMMA Muh. Haekal Yunus; Munawir Munawir; Yunita Desnita Hasbar; Tria Ramadani; Puput Puput
Poma Jurnal Vol 3 No 1 (2025): POMA JURNAL: Publish Of Management
Publisher : Universitas Fajar

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh penggunaan QRIS (Quick Response Code Indonesian Standard) terhadap perilaku keuangan mahasiswa Program Studi Manajemen Angkatan 2024 Universitas Andi Djemma. QRIS sebagai inovasi pembayaran digital diyakini tidak hanya mempermudah transaksi, tetapi juga berpengaruh terhadap pola pengelolaan keuangan mahasiswa. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 72 mahasiswa yang dipilih menggunakan purposive sampling. Variabel independen dalam penelitian ini adalah penggunaan QRIS yang diukur dengan indikator Universal, Gampang, Untung, dan Langsung. Sedangkan variabel dependen adalah perilaku keuangan mahasiswa yang diukur melalui enam indikator perilaku. Hasil penelitian menunjukkan bahwa penggunaan QRIS berpengaruh signifikan terhadap perilaku keuangan mahasiswa, di mana mahasiswa yang rutin menggunakan QRIS cenderung memiliki perilaku keuangan yang lebih terencana dan efisien.
PRINCIPLES OF FINANCIAL MANAGEMENT: OPERATIONAL LEVERAGE AND FINANCIAL LEVERAGE Muhammad Haekal Yunus; Ni Komang Septia Noriska; Sri Hartati; Devia Septyani
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 5 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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Abstract

Understanding and mastering the principles of financial management is not only the key to success in running a business, but also very vital in our personal lives. In this world full of uncertainty, the ability to manage finances wisely can determine financial stability in the future. With good financial management, companies can allocate expenditure and income funds appropriately. Understanding the principles of operational leverage and financial leverage is very important in financial management. Both can be used to maximize profits, but also carry risks that need to be managed properly. With the right strategy, companies can use leverage to achieve their financial goals. In financial management, leverage is an important concept used to increase the company's profit potential. The utilization of fixed costs in the business's cost structure is associated with operational leverage. Leverage in finance is the process of using debt to fund a company's operations and assets. The performance of the business as a whole may be impacted by these two interrelated forms of leverage. Nevertheless, the amalgamation of these two categories of leverage can also increase risk, so financial managers need to be careful in planning the company's cost and financing structure.
The Effect of Cooperative Education and Entrepreneurship Training on Credit-Union Members’ Welfare Cornelius Timang; Baktiar Baktiar; Muh. Haekal Yunus
Studi Ilmu Manajemen dan Organisasi Vol 6 No 4 (2026): Januari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/simo.v6i3.5738

Abstract

Purpose: This study examines the impact of cooperative education and entrepreneurship training on member welfare in the Sauan Sibarrung Credit Union in Tana Toraja. Does Education and Training at Credit Union Sauan Sibarrung have a positive impact on members' welfare? The Sauan Sibarrung Credit Union Cooperative prioritizes Education and Training as a strategy to improve members' welfare. Methodology/approach: A quantitative approach using structural equation Modeling (SEM) with Partial Least Squares (PLS) was applied to 100 randomly selected members who attended education and training programmes. Results: Cooperative Education significantly improved member welfare (path coefficient = 0.400; p = 0.023), while entrepreneurship training showed no significant effect (p = 0.136). This suggests that training programs are less effective because they are not sufficiently relevant or practical in the real world. Additional analysis indicates that education fosters better financial literacy and greater cooperative participation, thereby indirectly strengthening social capital and economic resilience among members. Conclusions: Enhancing education quality and designing more adaptive, practice-oriented training are essential to strengthen member welfare. These findings show that the training carried out by cooperatives has not significantly improved members' welfare. This may be due to the fact that the training was theoretical, less applicable, and not followed by continuous mentoring. Limitations: This study is limited to education and training variables; the sample of respondents is 100 due to limited research time and resources. Contributions: The findings highlight the need for continuous improvement in cooperative empowerment programs and serve as evaluation material for administrators.
SWOT Analysis for Enhancing the Competitiveness of Gambung Cake SMEs in Luwu Regency, Indonesia Ruslan Mahfuddin; Muhammad Haekal Yunus; N. Nasruddin
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2099

Abstract

This study aims to analyze the internal and external factors affecting the competitiveness of Gambung Cake Small and Medium-Sized Enterprises (SMEs) in Luwu Regency and formulate strategies for enhancing their competitiveness through a SWOT analysis approach. Gambung Cake is a traditional local culinary product with significant economic potential; however, it faces various challenges in an increasingly competitive market environment. This research employed a qualitative descriptive method, with data collected through direct observation, in-depth interviews with SME owners, and documentary studies. Data were analyzed using the SWOT matrix to identify strengths, weaknesses, opportunities, and threats, as well as the Internal-External (IE) matrix and SWOT matrix to formulate strategic alternatives. The findings indicate that Gambung Cake SMEs possess notable strengths in terms of product uniqueness and distinctive local tastes. However, they face weaknesses related to marketing, management, and limited capital. Opportunities include the growing interest of tourists in local culinary products and support from local government initiatives, whereas the primary threats stem from competition with similar products and changing consumer preferences. The recommended strategies include strength–opportunity (SO) strategies to maximize the unique characteristics of the product in targeting tourism markets; weakness–opportunity (WO) strategies to improve human resource capacity and access to financing; strength–threat (ST) strategies to maintain product advantages amid increasing competition; and weakness–threat (WT) strategies to minimize internal weaknesses in responding to external threats. This study is expected to contribute to the development of Gambung Cake SMEs by helping business owners better understand their business conditions, formulate effective marketing strategies, enhance competitiveness, and plan business development more systematically in the Luwu Regency. The SWOT analysis results indicate that Gambung Cake SMEs are currently in a growth phase, supporting the implementation of aggressive growth strategies (Supporting Aggressive Strategies).
The Influence Of Live Commerce On Tiktok Platform And Discount Vouchers On Consumer Purchasing Decisions For Cosmetic Products In Palopo City Nurjannah; Munawir; Muhammad Isnaini Faizal; Muh. Haekal Yunus
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.v3i2.1174

Abstract

This study aims to analyze the influence of Live Commerce on the TikTok platform and Discount Vouchers on Consumer Purchasing Decisions for Cosmetic Products (Study on Female Students of the Faculty of Economics and Business Unanda Class of 2023). Female students tend to be more interested in making purchases when exposed to live promotional broadcasts of products on TikTok accompanied by discount offers. This study uses a quantitative approach with a survey method, involving 73 student respondents selected through purposive sampling techniques. Data was collected using structured questionnaires and analyzed using multiple linear regression. The results show that live commerce on the TikTok platform has a significant positive influence on consumer purchasing decisions, meaning that the more attractive and interactive the live commerce content displayed on the TikTok platform, the greater the likelihood of consumers to make purchasing decisions for the cosmetic products offered. Conversely, discount vouchers have a significant negative influence, meaning that the use of discount vouchers does not always encourage purchases, and in this context can actually reduce consumer trust or urgency to immediately buy cosmetic products. This study provides implications for female students to be wiser in responding to digital marketing strategies such as live commerce and discount vouchers when purchasing cosmetic products
ANALYSIS OF PROFITABILITY AND DIVIDEND POLICY ON THE VALUE OF PT INDOFOOD SUKSES MAKMUR LISTED ON THE INDONESIAN STOCK EXCHANGE FOR THE PERIOD 2021-2024 Muh. Haekal Yunus; Nurfatimah Azzahra Baso; Elisa Pamuso; Icha Pakinja; Munawir Munawir
Jurnal Mahasiswa Manajemen Vol. 2 No. 1 (2025): Hal 01-61
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jaman.v2i1.200

Abstract

This study aims to analyze the effect of profitability and dividend policy on company value at PT Indofood Sukses Makmur Tbk, listed on the Indonesia Stock Exchange for the period 2021-2024. The research method used is quantitative descriptive analysis with secondary data obtained from annual financial reports and company stock price data. The data is analyzed through the calculation of profitability and dividend policy financial ratios and testing their influence on company value. The results of the study indicate that dividend policy and profitability, both partially and simultaneously, have a significant effect on company value. However, there is a tendency that an increase in profitability is not always followed by an increase in company value if it is not accompanied by an optimal dividend policy. These findings provide important considerations for investors and company management in determining dividend policy strategies and investment decisions in the future.
Analisis Struktur Modal dalam Meningkatkan Profitabilitas pada PT. BNI (Persero)Tbk Periode 2021-2024 Muh. Haekal Yunus; Urfatima Azzahra Baso; Nadia Nadia; Wulan Anugriani Pradina; Ni Kadek Dwi Adnyani
Journal Social Society Vol. 5 No. 2 (2025): Juli - Desember 2025
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54065/jss.5.2.2025.921

Abstract

Urgensi pada penelitian ini adalah untuk menganalisis hubungan antara struktur modal dan profitabilitas pada PT Bank Negara Indonesia (Persero) Tbk periode 2021–2024. Penelitian ini bertujuan untuk mengetahui dan menganalisis struktur modal dalam meningkatkan profitabilitas pada PT Bank Negara Indonesia (Persero) Tbk selama periode 2021–2024. Urgensi penelitian ini terletak pada pentingnya sektor perbankan sebagai motor penggerak perekonomian nasional, di mana efisiensi struktur modal berperan strategis dalam menjaga stabilitas keuangan sekaligus meningkatkan daya saing. Dalam konteks ini, analisis struktur modal dan profitabilitas menjadi relevan untuk memahami sejauh mana pengelolaan leverage dapat mendorong pertumbuhan kinerja bank secara berkelanjutan. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengumpulan data berupa dokumentasi, yaitu mengumpulkan data sekunder dari laporan keuangan resmi PT Bank Negara Indonesia (Persero) Tbk. Data yang diperoleh mencakup laporan posisi keuangan (neraca) dan laporan laba rugi selama periode 2021–2024. Analisis data dilakukan secara deskriptif melalui perhitungan rasio keuangan, yaitu Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), Return on Asset (ROA), dan Return on Equity (ROE), dengan mengacu pada standar penilaian industri. Hasil penelitian menunjukkan bahwa struktur modal BNI didominasi oleh pendanaan berbasis utang, dengan nilai DAR dan DER berada pada kategori tinggi dan tidak baik jika dibandingkan dengan standar industri umum, namun masih wajar dalam konteks perbankan. Meski demikian, terdapat tren penurunan pada kedua rasio tersebut, mengindikasikan adanya upaya penguatan ekuitas perusahaan. Di sisi lain, rasio profitabilitas ROA dan ROE menunjukkan peningkatan selama periode pengamatan, yang menandakan perbaikan efisiensi pengelolaan aset dan ekuitas dalam menghasilkan laba. Temuan ini menegaskan bahwa penguatan struktur modal melalui pengurangan proporsi utang terhadap aset dan ekuitas berdampak positif terhadap profitabilitas BNI. Oleh karena itu, strategi keuangan yang berorientasi pada penguatan permodalan internal dan optimalisasi aset menjadi langkah penting dalam mendukung pertumbuhan kinerja keuangan secara berkelanjutan
Relationship Between Customer Relationship Management and Service Quality with the Satisfaction of BPJS Employment Participants in Palopo Basir Basir; Bakhtiar Bakhtiar; Muh. Haekal Yunus
Economos : Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2026): ECONOMOS : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31850/economos.v9i1.4159

Abstract

This study aims to analyze the influence of Customer Relationship Management (CRM) and service quality on the level of satisfaction of BPJS Employment participants in Palopo City. The background of this study is driven by the increasing need for employment social security services, which requires BPJS Ketenagakerjaan to strengthen service strategies and manage relationships with participants. The study used a descriptive quantitative approach with a sample of 100 respondents, which was determined through the Slovin formula. Data were collected through questionnaires and analyzed using validity, reliability, multiple linear regression tests, F tests, t-tests, and determination coefficients (R²). The results of the analysis show that CRM has a positive and significant influence on participant satisfaction, which indicates that effective relationship management through technology, processes, and personnel interactions can increase satisfaction. On the other hand, the quality of service does not have a significant influence on participant satisfaction, so the perception of service has not become a dominant factor. Simultaneously, CRM and service quality have a significant effect on participant satisfaction. These findings provide strategic implications for BPJS Ketenagakerjaan in the development of customer relationship-based services to maintain the satisfaction of BPJS Ketenagakerjaan participants.
Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Pengelolaan Keuangan Pribadi Mahasiswa Fakultas Hukum Universitas Andi Djemma Palopo Munawir Munawir; Muh. Haekal Yunus; Fransiska Asriani Samma; Eliyana Eliyana; Amanda Putri
Benefit: Journal of Bussiness, Economics, and Finance Vol. 3 No. 2 (2025): BENEFIT: Journal Of Business, Economics, and Finance
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah (lppi) Yayasan Almahmudi Bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/benefit.v3i2.1396

Abstract

This study aims to determine the influence of financial literacy and lifestyle on personal financial management of students at the Faculty of Law, Andi Djemma Palopo University. The population of this study was all students at the Faculty of Law, Andi Djemma Palopo University, and a sample of 50 respondents was used. This study used a quantitative research method by distributing questionnaires to respondents. The results of the multiple linear regression analysis (MLA) in this study indicate that simultaneously, financial literacy and lifestyle have a significant and positive effect on personal financial management. Partially, financial literacy and lifestyle have a significant and positive effect on personal financial management. These results further support the assertion that the better an individual's financial literacy and lifestyle, the better their financial management.
Co-Authors Abdullah Abdullah Adam adwiah, Radiatul Agis Zaskya Alvira, Alvira Amanda Putri Anggasari, I Gusti Ayu Wulan Anggreani, Andi Dewi Arnal, Arnal Audri, Ananda Aulia Utami Baharuddin Semmaila Bakhtiar Bakhtiar Bakhtiar Bakhtiar Baktiar Baktiar Basir Basir Budiarti Putri Uleng Clara, Cyndi Cornelius Timang Devia Septyani Devia Septyani Dharmayanti, Shasy Elisa Pamuso Eliyana Eliyana Erwina Erwina, Erwina Femi Fransiska Asriani Samma Hajar Haswat Hamza, Nabila Icha Pakinja Indah, Cahaya Indratno, Sapto Wahyu Indriani, Angelika Julyarman, Nasrun Jummawati , Jummawati Kalsey Destianola MS Khaerana Khaerana Lisa Yanti, Lisa Litania Kasim Lorwens, Fhirna Angelich Christy Lubis, Nazwa Magfirah Magfirah Mahfudnurnajamuddin, Mahfudnurnajamuddin Malak, Irmiati Mamisa, Yuli Yana Marshal Mega Fatimah Rosana Melani, Gita Meliani, Meliani Muh. Ardiansyah Muh. Syukri Muh. Zadly Syahdi Muhammad Isnaini Faizal Muhammad Tafsir Munawir Munawir Munawir Munawir Munawir Mustika Mustika N. Nasruddin Nadia Nadia Ni Kadek Dwi Adnyani Ni Komang Septia Noriska Ni Komang Septia Noriska Nia Bonggakarua Ningsi, Arsy Widya Nurfatimah Azzahra Baso Nurhikma, Nurhikma Nurjannah Nurjannah Nurjannah Nurjannah Nurwijayanti P, Futri Regina Padandi, Yulpa Pongtiku, Dely Pratiwi, Ananda Aisyah Puput Puput Rafiqah Asaff Rafiqah Asaff Ratna Dewi Renaldi Renaldi Reni, Nelviana Rindiantika Rindiantika Rindiantika Rosyalinda, Rosyalinda Ruslan Mahfuddin Rut, Rut Sarti Enne Sore, Yurlin Sri Hartati Sri Hartati Sulistianingsi, Riri Sura, Sridika Suryati Syahdi , Muh. Zadli Tesar, Tesar Anugrah Tonapa, Fhiona Imelia Tria Ramadani Urfatima Azzahra Baso Wulan Anugriani Pradina Yunita Desnita Hasbar Yuyanti , Yuyanti Zainuddin, Ahmad Fuad