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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi Resona : Jurnal Ilmiah Pengabdian Masyarakat Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Manajemen STIE Muhammadiyah Palopo JURNAL MANAJEMEN MOTIVASI Journal of Economic, Bussines and Accounting (COSTING) Scientific Journal of Reflection : Economic, Accounting, Management and Business SEIKO : Journal of Management & Business Owner : Riset dan Jurnal Akuntansi Jurnal Manajemen Strategi dan Aplikasi Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JURNAL EKSBIS BALANCE: Economic, Business, Management and Accounting Journal Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) Enrichment : Journal of Management RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Jurnal Fokus Manajemen Bisnis Community Empowerment Jurnal Ekonomi Bima Journal : Business, Management and Accounting Journal Journal of Government Science (GovSci ) : Jurnal Ilmu Pemerintahan International Journal of Management Science and Information Technology (IJMSIT) Jurnal Inovasi Bisnis Indonesia (JIBI) Jurnal Pengabdian kepada MASyarakat (J-PMAS) Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Simki Economic
Goso , Goso
Universitas Muhammadiyah Palopo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Sinergitas Peran Pemerintah Desa dan Partisipasi Masyarakat Terhadap Perencanaan Pembangunan di Kabupaten Sidenreng Rappang: The Synergy of Village Government’s Role and Community Participation in the Process of Development Planning in Sidenreng Rappang District Goso, Goso; Mustanir, Ahmad; S, Fitriani; Adri, Khaeriyah; Nurnawati, Andi Ayu; Goso , Goso
JOURNAL OF GOVERNMENT SCIENCE Vol 1 No 2 (2020)
Publisher : Program Studi Ilmu Pemerintahan Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54144/govsci.v1i2.8

Abstract

This research examines the role of village government, community participation, and their influences on development planning in Timoreng Panua village, Panca Rijang subdistrict, Sidenreng Rappang District. This research employed descriptive quantitative method, and involved samples of 55 households out of population of 745 households. The samples were taken randomly by using Yount formula 10%. Data was collected through observation, questionnaires and documentation, and analysed through tabulation, frequency and linear regression analysis by using SPSS 21.0 for Windows. The results show that the percentage of the role of village government contributing to the Timoreng Panua village development planning reached 52,4% (considered as ‘sufficient involvement’), while the percentage of community participation to the development planning is 77% (considered as ‘enthusiastic’). Together, the joint roles of village government and community partipation contributed to village development planning with a figure of 78,4%, categorized as ‘playing a significant role’.  Keywords: community participation, government role, development planning
Adopsi Pembayaran Mobile dan Peningkatan Konsumsi Rumah Tangga: Peran Mediasi Inklusi Keuangan Digital di Indonesia Rusmulya, Muthia Salsabillah; Goso, Goso; Duriani, Duriani
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1549

Abstract

This study aims to analyze the mediating role of digital financial inclusion in the relationship between mobile payment adoption and increased household consumption in Indonesia. The method used is a quantitative approach with an explanatory research design, involving 400 respondents spread across various regions of Indonesia and selected through stratified random sampling. Data were collected through online and offline questionnaires, then analyzed using Structural Equation Modeling (SEM) with bootstrapping techniques. The results show that mobile payment adoption has a positive and significant effect on digital financial inclusion (β = 0.582; t = 12.516; p < 0.001), digital financial inclusion has a positive and significant effect on household consumption (β = 0.561; t = 9.461; p < 0.001), and mobile payment adoption has a direct effect on household consumption (β = 0.249; t = 4.816; p < 0.001). Furthermore, digital financial inclusion was shown to partially mediate the relationship between mobile payment adoption and household consumption, with an indirect effect coefficient of 0.326 (VAF = 56.7%). This finding implies that a strategy to expand digital financial inclusion based on mobile payments is an effective policy instrument for driving increased domestic consumption and national economic growth.
Literasi Keuangan Islam, Kesiapan Teknologi, dan Komitmen Religius: Penentu Adopsi Fintech pada Kalangan Dewasa Muda di Indonesia Said, Tiara Dwitiya; Goso, Goso; Kamaruddin, Yusuf
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1551

Abstract

Indonesia is a country with the largest Muslim population and high internet penetration, but the number of young adults using Islamic fintech remains low at 23%. To predict the adoption of Islamic fintech by young Indonesian adults, this study developed and tested the Islamic Technology Acceptance Model (I-TAM). Data were collected from 400 Muslim respondents aged 18 to 35 years old through a structured questionnaire. A cross-sectional survey design was used using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results showed that technological readiness was the strongest predictor of Islamic fintech adoption (β=0.522, p<0.001), followed by Islamic financial literacy (β=0.330, p<0.001), and religious commitment (β=0.103, p<0.001). A key finding is that the dual moderating role of religious commitment weakens the effect of Islamic financial literacy (β=-0.147, p=0.008) but strengthens the effect of technological readiness (β=0.190, p<0.001). More than the conventional TAM model, the I-TAM model explains 58.4% of Islamic fintech adoption. This study suggests that for young Indonesian Muslims, religiosity and technological modernity can coexist well, with technology serving as a means of practicing religious values ​​in the technological era.
Income and Household Consumption Uncertainty After the COVID-19 Pandemic Crisis: The Moderating Role of Financial Attention and Liquid Wealth Evidence from Indonesia Khaerunnisa, Resky; Goso, Goso; Jasman, Jumawan
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1546

Abstract

This study analyzes the impact of income uncertainty on household consumption in Indonesia after the COVID-19 pandemic, emphasizing the moderating roles of financial attention and liquid wealth. Using a quantitative design, we examine secondary data from official Indonesian sources for 2022 to 2024 through multiple regression and Moderated Regression Analysis. The results indicate that income uncertainty significantly reduces household consumption (β = -1.872, p < 0.01). Financial attention (β = 0.456, p < 0.05) and liquid wealth (β = 0.512, p < 0.05) significantly moderate this relationship by weakening the negative effect of uncertainty. Households with higher financial attention and greater liquid assets show stronger consumption resilience. These findings underline the need to strengthen financial literacy and expand access to liquid financial instruments. The study extends Precautionary Saving Theory by integrating behavioral and structural moderators in an emerging market crisis context.
Dampak Perbankan Syariah Digital terhadap Partisipasi Cash Waqf di Kalangan Mahasiswa Muslim: Peran Mediasi Literasi Digital di Indonesia Annisa, Annisa; Goso, Goso; Duriani, Duriani
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1570

Abstract

Potensi wakaf tunai Indonesia diperkirakan mencapai 180 triliun rupiah per tahun, namun tingkat realisasi pengumpulannya masih di bawah 1,3 persen. Penelitian ini mengkaji sejauh mana perbankan syariah digital mampu menjembatani kesenjangan tersebut dengan memperkuat partisipasi wakaf tunai mahasiswa Muslim di Indonesia, serta menelaah peran mediasi literasi digital dalam hubungan tersebut. Kuesioner terstruktur dan diaadministrasikan kepada 400 mahasiswa Muslim yang berasal dari universitas-universitas di lima wilayah Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan desain survei cross-sectional. Kuisioner terstruktur dan diaadministrasikan kepada 400 mahasiswa yang berasal dari universitas pada lima wilayah di Indonesia. Data dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui SmartPLS 4.0. Tiga temuan utama dihasilkan. Pertama, perbankan syariah digital memberikan pengaruh positif yang signifikan terhadap partisipasi wakaf tunai (β = 0,532, p < 0,001). Kedua, perbankan syariah digital meningkatkan literasi digital pelajar (β = 0,487, p < 0,001). Ketiga, literasi digital yang lebih tinggi berhubungan dengan partisipasi wakaf tunai yang lebih besar (β = 0,383, p < 0,001). Literasi digital berfungsi sebagai mediator parsial yang mencapai 26 persen dari total efek, beroperasi melalui kemudahan transaksi langsung dan peningkatan kapabilitas digital. Model struktural menjelaskan 63,4 persen varians partisipasi wakaf. Ditemukan kesenjangan kritis antara niat berdonasi (rerata 3,67) dan perilaku donasi aktual (rerata 2,34). Temuan ini memperkaya teori dengan menunjukkan bahwa penerapan teknologi dalam keuangan Islam melibatkan dimensi utilitas instrumental sekaligus pembangunan kapasitas. Implikasi praktis mencakup integrasi fitur wakaf ke dalam aplikasi perbankan dan penyelenggaraan program literasi digital berbasis kampus guna memaksimalkan potensi mobilisasi wakaf Indonesia.
Menjembatani Kesenjangan: Bagaimana Pembiayaan Mikro yang Sesuai ESG Dapat Mendorong Pertumbuhan Berkelanjutan untuk UMKM di Ekonomi Indonesia Handayani, Putri; Goso, Goso; Rahmawati, Rahmawati
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 4: Mei 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i4.16673

Abstract

Tujuan penelitian ini adalah untuk menganalisis dan membuktikan secara empiris bagaimana pembiayaan mikro yang sesuai ESG, pengetahuan tentang praktik berkelanjutan, serta kebijakan pendukung ESG secara bersama-sama mempengaruhi pertumbuhan berkelanjutan UMKM di Indonesia, dengan praktik bisnis berkelanjutan berperan sebagai mediator. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan sampel 400 UMKM di enam provinsi Indonesia yang dipilih melalui multistage random sampling. Data dianalisis dengan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian membuktikan bahwa ketiga faktor pendorong (pembiayaan mikro sesuai ESG, pengetahuan, dan kebijakan) berpengaruh positif dan signifikan terhadap praktik bisnis berkelanjutan. Selanjutnya, praktik bisnis berkelanjutan terbukti menjadi mediator penuh yang mentransformasikan ketiga dukungan eksternal tersebut menjadi pertumbuhan berkelanjutan UMKM. Implikasi penelitian menekankan pentingnya strategi terpadu yang memperkuat akses pembiayaan hijau, kapasitas pelaku usaha, dan lingkungan kebijakan yang mendukung untuk mewujudkan transisi UMKM yang inklusif dan berkelanjutan.
Bagaimana Literasi Keuangan Hijau Memengaruhi Perilaku Investasi Berkelanjutan? : Bukti dari Investor Milenial Indonesia Wulandari, Wulandari; Goso, Goso; Rahmawati, Rahmawati
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 4: Mei 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i4.16705

Abstract

Kesenjangan terjadi antara tingginya kepedulian lingkungan dan rendahnya partisipasi investasi berkelanjutan di kalangan investor milenial Indonesia, diduga karena lemahnya literasi keuangan hijau. Penelitian ini bertujuan menguji pengaruh literasi keuangan hijau terhadap perilaku investasi berkelanjutan serta peran mediasi faktor psikologis dan sosial. Metode yang digunakan adalah kuantitatif dengan sampel 400 responden milenial Indonesia berusia 29–44 tahun yang dipilih secara purposive. Data dikumpulkan melalui kuesioner online dan dianalisis menggunakan SmartPLS. Hasil penelitian menunjukkan literasi keuangan hijau berpengaruh positif signifikan terhadap perilaku investasi berkelanjutan. Faktor psikologis (motivasi intrinsik, persepsi risiko, nilai lingkungan) dan faktor sosial (norma subjektif, pengaruh komunitas) terbukti memediasi hubungan tersebut secara signifikan. Karakteristik demografis seperti pendidikan, pendapatan, pengalaman investasi, dan akses digital juga memoderasi hubungan tersebut. Temuan ini menegaskan bahwa peningkatan literasi keuangan hijau saja tidak cukup; diperlukan pendekatan terpadu yang menyentuh aspek psikologis dan sosial. Implikasinya, program edukasi dan kebijakan publik perlu dirancang secara lebih kontekstual untuk mendorong investasi berkelanjutan di kalangan milenial Indonesia.
The Impact of the Family Hope Program (PKH) on Household Financial Well-Being: The Moderating Role of Facilitators Saputra, Edi; Goso, Goso; Duriani, Duriani
JURNAL MANAJEMEN MOTIVASI Vol 21 No 1 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i1.7731

Abstract

This study examines the effect of the Family Hope Program (PKH) on the financial well-being of households in Luwu Utara Regency, with a focus on the role of facilitators as a moderating variable. Using a quantitative approach, data were collected through questionnaires distributed to 100 PKH beneficiaries and analyzed using moderation regression analysis. The findings show that PKH significantly enhances household financial well-being, although the facilitators' role tends to weaken this effect. The study contributes to understanding the financial impact of PKH and highlights the need for improved facilitation to optimize program outcomes.
LITERASI KEUANGAN PADA GENERASI Z SEBUAH STUDI PADA MAHASISWA UNIVERSITAS MUHAMMADIYAH PALOPO Putri lalimuga, Yosephine Injilitha; Goso, Goso; Halim, Ibrahim
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.v21i2.7947

Abstract

This study aims to measure the level of financial literacy, financial behavior and locus of control as independent variables, financial management as dependent variables and financial technology as moderating variables. The population in this study included students of Muhammadiyah University of Palopo in Palopo City. The sample of this study amounted to 240 students, selected using the census method where the researcher had determined the sampling by collecting data from the entire population that was the subject of the study. The data collection technique used a questionnaire. The results of this study indicate that financial literacy, financial behavior, and locus of control have a significant positive effect on financial management. The next result is that the financial technology variable also has a significant positive effect because it is able to moderate financial literacy, financial behavior, and locus of control on financial management. This study uses simple regression analysis and interaction tests or Moderated Regression Analysis (MRA), which are processed using the Statistical Package for Social Science (SPSS) version 26 program.
The Effect of Household Financial Decision-Making on Financial Well-Being with Lifestyle as an Intervening Variable Rahman, Abdul; Goso, Goso; Rahmawati, Rahmawati
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.v21i2.8004

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pengambilan keputusan keuangan rumah tangga terhadap kesejahteraan finansial, dengan gaya hidup sebagai variabel moderasi. Penelitian ini menggunakan pendekatan kuantitatif dengan penyebaran kuesioner kepada 100 responden rumah tangga di Kabupaten Luwu Utara yang dipilih menggunakan teknik stratified random sampling. Analisis data dilakukan menggunakan metode Partial Least Square Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa pengambilan keputusan keuangan rumah tangga berpengaruh signifikan terhadap kesejahteraan finansial. Selain itu, pengambilan keputusan keuangan juga berpengaruh terhadap gaya hidup, dan gaya hidup sendiri berpengaruh signifikan terhadap kesejahteraan finansial. Temuan penting lainnya adalah bahwa gaya hidup memoderasi hubungan antara pengambilan keputusan keuangan dan kesejahteraan finansial, yang berarti efektivitas keputusan keuangan terhadap peningkatan kesejahteraan dapat diperkuat atau diperlemah tergantung pada gaya hidup yang dijalani. Penelitian ini merekomendasikan pentingnya literasi keuangan dan kontrol gaya hidup yang sehat dalam upaya mencapai kesejahteraan finansial rumah tangga yang berkelanjutan.
Co-Authors Abdul Rahman Adil Adil Adinda Tasya Salsabilla Anwar Adri, Khaeriyah Aksan, Fadriani Amriani Amriani Andi Ayu Nurnawati Annisa Annisa Antong Antong Antong, Antong Anwar, Suhardi M. Asmawati Asmawati Asriany Asriany Aswidy Wijaya Cipta Bidasari Chichi Pratiwi Duriani Duriani Duriani Duriani Duriani, Duriani Dwi Cinta Lestari, Cinta Lestari Edi Saputra Eka Eka Elva Amrin Erna Erwin Noki Fitriani Khairunnisa Fitriani S Fitriani S H. Halim Palatte Haniati, Martiana Hartina, Hartina Hijrah Febriana Utami Hikma Ramadani Husmaruddin Husmaruddin, Husmaruddin Ibrahim Halim Ibrahim Halim Ibrahim Halim, Ibrahim Imam Pribadi Imran Ukkas Indra Kusdarianto, Indra Indriani Indriani Jumawan Jasman Juwandariah Jubir Kamaruddin, Yusuf Khaeriyah Adri Khaerunnisa, Resky Kurnia Kurnia M. Halim Palatte M. Risal Milda Yanti Muh Halim Muh. Farhan Muh. Halim Muh. Halim Muh. Halim Muh. Halim Palatte Muh. Halim Palatte, Muh. Halim Muhammad Ikbal Muhammad Ikbal Muhammad Yunus Amar Muhammad Yusuf Musran Munizu Mustafa Muhani Mustafa, Sri Wahyuny Mustanir, Ahmad Nersa Nugraha Rasyid Nur Fadila Nurnawati, Andi Ayu Nursyamsih Husma Sam Nurul Azikin Pajarianto, Hadi Peri Herdiansyah Putri Handayani Putri lalimuga, Yosephine Injilitha Rahma Eka Putri Rahmad Solling Hamid Rahmawati, Rahmawati Rasyid, Nugraha Rismawati Rismawati Rismawati Sudirman Riswandi Paradi Rusmulya, Muthia Salsabillah Said, Tiara Dwitiya Salju Salju Samsul Bachri Sari Ratna Dewi Sari, Nova Vurba Siska Handayani Supardi, Musdalifah Putriami Syamsu Alam SYAMSU ALAM Widiyanti, Wika Winanda, Winanda Wisnu Kurniadi Wulandari Wulandari Yulia Wiranti Yuliana Dahman Zikra Supri