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All Journal Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Laa Maisyir Jurnal Ekonomi Islam Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal Manajemen dan Kewirausahaan (JMDK) Akuntabel : Jurnal Ekonomi dan Keuangan Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen International Journal of Community Service Jurnal Iqtisaduna Jurnal Akademik Pengabdian Masyarakat International Journal of Economics and Management Sciences Epaper Bisnis: International Journal Entrepreneurship and Management Masterpiece Journal Society Service Insight Study of Scientific and Behavioral Management (SSBM)
Miftha Farild
Universitas Islam Negeri Alauddin Makassar
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Pengaruh Credit Card dan Online Shopping terhadap Compulsive Buying pada Masyarakat di Kota Makassar dengan Financial Literacy Sebagai Variabel Moderating Taslim, Muhammad; Rusnawati; Farild, Miftha
Study of Scientific and Behavioral Management Vol 4 No 1 (2023): Well Being, Entrepreneurship, and Poverty in Muslim World
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i1.36883

Abstract

Perkembangan pada era globalisasi saat ini ditandai dengan beberapa transfigurasi yang terjadi sangat pesat, salah satunya adalah kondisi perdagangan dan ekonomi. Dengan terjadinya hal tersebut, maka masyarakat dituntut untuk menyesuaikan keadaan yang telah berubah dikarenakan oleh stream of globalization. Perkembangan ekonomi bukan lagi untuk pemenuhan kebutuhan, melainkan mengarah pada kegiatan compulsive buying. Kegiatan ini terjadi pada masyarakat perkotaan yang moderen mulai dari metode pembayaran menggunakan credit card hingga kemudahan dalam berbelanja secara online yaitu online shopping. Maka dari itu dibutuhkan financial literacy yang baik dalam mengantisipasi dari dampak buruk globalisasi. Penelitian ini merupakan jenis penelitian dengan pendekatan kuantitatif dengan sampel sebanyak 150 responden pada masyarakat di Kota Makassar dengan menggunakan rumus Hair. Metode perhitungan jumlah sampel nonprobability sampling dengan teknis purposive sampling kepada masyarakat Kota Makassar dengan kriteria tertentu. Dalam pengolahan data dibantu oleh software SmartPLS. Hasil penelitian ini menunjukkan bahwa credit card berpengaruh positif dan signifikan terhadap compulsive buying, online shopping berpengaruh positif signifikan terhadap compulsive buying, Credit card berpengaruh positif dan signifikan terhadap Compulsive buying dengan Financial Literacy sebagai variabel moderating, Online shopping berpengaruh positif dan signifikan terhadap Compulsive buying dengan Financial Literacy sebagai variabel moderating. Kata Kunci: Credit Card, Online Shopping, Compulsive Buying, Financial Literacy
Pengaruh Pengambilan Keputusan dan Pengambilan Resiko Terhadap Kinerja Usaha Franchise di Kota Makassar: The Role Moderating Of Financial Technology (Studi Pada Perusahaan Franchise BExpress Fried Chicken) Rosmini, Sri Wahyuningsi; Raprayogha, Rusdi; Farild, Miftha
Study of Scientific and Behavioral Management Vol 5 No 2 (2024): Business Management
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v5i2.46806

Abstract

This research aims to determine the influence of decision making and risk taking on the performance of franchise businesses in Makassar City: the moderating role of financial technology. This research uses primary data, the sampling technique in this research is purposive sampling technique using the Slovin formula, so the total sample in this research is 70 respondents. In this research, Structural Equation Modeling (SEM) was used using SmartPLS version 4.0 for Windows as a data analysis technique. The results of the research show that decision making has no direct effect on BExpress Fried Chicken Franchise business performance, risk taking has a significant positive effect on BExpress Fried Chicken Franchise business performance, decision making has a direct effect on Franchise business performance in Makassar City: through The Role Moderating of Financial Technology, and Risk taking has a direct effect on franchise business performance in Makassar City: through The Role Moderating of Financial Technology. Keywords: Decision Making, Risk Taking, Business Performance and Financial Technology.
Pengaruh Proaktif, Inovatif, Keberanian Mengambil Resiko terhadap Kinerja pada Pelaku UMKM di Kota Makassar dengan Strategi sebagai Variabel Moderasi Khairin Magfira; Farild, Miftha
Study of Scientific and Behavioral Management Vol 5 No 3 (2024): Digital Culture Nowadays
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v5i3.50385

Abstract

Micro, Small and Medium Enterprises (MSMEs) are one of the most important pillars in the Indonesian economy. MSMEs are one of the businesses that are currently in the spotlight because they have a strategic role in opening up jobs, new businesses and contributing greatly to increasing gross domestic product. This study was conducted to determine the Influence of Proactive, Innovative, Courage to Take Risks on Performance in MSME Actors in Makassar City with Strategy as a Moderating Variable. Keywords: Micro, Small and Medium Enterprises (MSMEs), Productive, Innovative, Courage to Take Risks, Performance, Strategy
Peran Moderasi Religiusitas pada Pengaruh Lokasi dan Pembiayaan Syariah terhadap Keputusan Pembelian Rumah (Di Perumahan Griya Darussalam Resort) Febri, Febrianti; Farild, Miftha
Study of Scientific and Behavioral Management Vol 5 No 4 (2024): Work Life Balance
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v5i4.51445

Abstract

This research aims to determine the moderating role of religiosity on the influence of location and sharia financing on house purchase decisions (at GriyaDarussalam Resort Housing). This research is quantitative research and the data source in this research is primary data where the data collection method uses questionnaires distributed to residents in the Griya Darussalam Resort housing complex. The sampling technique used in this research is purposive sampling using the Slovin formula. So as many as 100 respondents were obtained. By processing primary data using Structural Equation Modeling (SEM) using SmartPLS version 4.1 for Windows. The results of this study show that the Location variable has a positive and significant effect on house purchasing decisions, Sharia Financing has a positive and significant effect on house purchasing decisions, Religiosity cannot moderates the influence of location on the decision to buy a house and religiosity is able to moderate the influence of Sharia financing on the decision to buy a house.
PENGARUH KOMUNIKASI DAN LINGKUNGAN KERJA TERHADAP KINERJA PEGAWAI DENGAN MOTIVASI SEBAGAI VARIABEL INTERVENING PADA BALAI PRASARANA PERMUKIMAN WILAYAH SULAWESI SELATAN (BPPW SULSEL) Gunawan, Sahrul; Abdullah, Wahidah; Farild, Miftha
Study of Scientific and Behavioral Management Vol 6 No 3 (2025): Transformasi Kompetensi SDM dalam Era Digital: Strategi dan Implikasi Manajerial
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganlisis pengaruh komunikasi dan lingkungan kerja terhadap kinerja pegawai dengan motivasi sebagai variabel intervening pada kantor BPPW Sulsel.Penelitian ini merupakan penelitian kuantitatif dengan instrumen pengumpulan data berupa kuesioner yang diukur menggunakan skala Likert. Populasi dalam penelitian ini sebanyak 140  pegawai kantor BPPW Sulsel, denga penarikan sampel menggunakan simple random sampling, sehingga diperoleh jumlah sampel sebanyak 104 responden. Teknik  analisis data yang digunakan adalah uji validitas dan reliabilitas, regresi linear berganga, dan analisis jalur dengan bantuan progam pengolah data yaitu SPSS 20. Hasil pengujian hipotesis menunjukkan bahwa komunikasi berpengaruh positif terhadap motivasi,lingkungan kerja berpengaruh positif terhadap motivasi, komunikasi tidak berpengaruh signifikan terhadap kinerja pegawai, lingkungan kerja berpengaruh positif terhadap kinerja pegawai, motivasi berpengaruh positif terhadap kinerja pegawai, komunikasi berpengaruh sigifikan terhadap kinerja pegawai melalui motivasi, dan lingkungan kerja berpengaruh signifikan terhadap kinerja pegawai malalui motivasi.   Kata kunci: Komunikasi; lingkungan kerja; motivasi; kinerja pegawai  
Financial Bootstrapping and Financial Literacy: The Moderating Role of Government Support on SME Performance Parmitasari, Rika Dwi Ayu; Indriyani, Eka; Rusnawati, Rusnawati; Farild, Miftha; Efendi, Widya; Adawiah, Arabiatul
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 10 No 2 (2023): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v10i2.41131

Abstract

SMEs can support long-term, stable, and sustainable economic development. However, funding, limited information, and lengthy credit administration procedures constantly severed their expansion. Potential solutions may emerge from external funding in creative and unconventional ways through financial bootstrapping. This study analyzes the influence of financial bootstrapping and financial literacy on SME performance using P2P lending in Makassar, Indonesia, with government support as mediation. Government support as mediation is expected to provide policies that facilitate SMEs obtaining external funding through fintech P2P lending to improve SMEs' business performance. This study employs a partial-least-squared structural-equation model (PLS-SEM) for data analysis of 220 businesses. The result shows that financial literacy significantly affects SME performance. This positive effect emerges in direct or mediated relationships. Financial bootstrapping does not substantially affect SME performance. This finding signifies the lack of information regarding the myriad of funding opportunities.
Increasing Tax Awerenes for Micro-Enterprise Entrepreneurs in Coastal Areas : An Education and Mentorship Approach Sirajuddin; Natsaha Mazna Ramli; Muhammad Khaedar Sahib; Masdar Ryketeng; Muhammad Idrus; Achdian Anggreny Bangsawan; Miftha Farild
Masterpiece Vol. 1 No. 2 (2025): August 2025
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/8jb9ra19

Abstract

Micro-enterprises play a crucial role in supporting local economic growth, particularly in coastal areas where communities depend heavily on informal business activities such as fisheries, seafood processing, small trading, and water-based services. Despite their economic contribution, tax awareness among micro-enterprise entrepreneurs in these regions remains remarkably low, limiting their access to formal financial services and government support programs. This community engagement program aims to enhance tax awareness and compliance through an integrated education and mentorship approach specifically designed for coastal micro-business actors in South Sulawesi. The program incorporates interactive tax literacy training, hands-on mentoring, and practical demonstrations on administrative processes such as Taxpayer Identification Number (NPWP) registration, tax reporting, and the use of digital tax platforms. Collaboration with Universiti Sains Islam Malaysia, the International Association of Economic and Business, several local universities, community organizations, traditional institutions, and Masjid Terapung Ar-Rahma Tallo ensures a culturally grounded and community-based implementation strategy. The program addresses key issues faced by micro-entrepreneurs, including limited financial literacy, negative perceptions of taxation, minimal access to digital services, and the absence of personalized guidance. Findings indicate that the combination of contextual education and continuous mentorship significantly improves participants’ understanding, confidence, and willingness to comply with tax obligations. Beyond increasing tax awareness, the initiative strengthens community networks, enhances entrepreneurial capacity, and supports the development of a more inclusive and sustainable local economic ecosystem. This model offers a scalable framework for tax empowerment in underserved coastal communities.
PENGARUH KECERDASAN EMOSIONAL, KECERDASAN SPIRITUAL DAN KOMUNIKASI ORGANISASI TERHADAP KINERJA PEGAWAI DI KANTOR PELAYANAN PAJAK PRATAMA KOTA PALOPO Alang, Wahyuni; Farild, Miftha; Suhartini, Eka
Study of Scientific and Behavioral Management Vol 7 No 1 (2026): Rekonstruksi Strategi SDM dalam Menghadapi Perubahan Global
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh kecerdasan emosional, kecerdasan spiritual dan komunikasi organisasi terhadap kinerja pegawai. Dalam suatu instansi, salah satu faktor penting dalam mencapai tujuan adalah dengan sumber daya manusia. Manajemen sumber daya manusia memiliki peran dalam hasil dan ketetapan untuk dapat melaksanakan tugasnya. Keberhasilan di tempat kerja tidak hanya didasarkan pada kemampuan intelektual saja, tetapi juga didukung oleh pencapaian yang melibatkan kecerdasan emosional, kecerdasan spiritual, dan komunikasi organisasi. Penelitian ini bertujuan untuk mengeksplorasi dan menjelaskan pengaruh kecerdasan emosional, kecerdasan spiritual, dan komunikasi organisasi terhadap kinerja pegawai. Penelitian ini menggunakan pendekatan kuantitatif untuk menguji pengaruh antara variabel, dengan pengujian hipotesis menggunakan analisis statistik deskriptif dan analisis regresi linier berganda, memanfaatkan Statistical Package for Sosial Sciences (SPSS).   Kata Kunci : Kecerdasan emosional; kecerdasan spiritual; komunikasi organisasional
Co-Authors Achdian Anggreny Bangsawan Adawiah, Arabiatul Alang, Wahyuni Alim Syariati Andi Mulia Anggi Somba Poddala Azizah Saban Efendi, Widya Eka Indriyani Eka Indriyani MS Eka Suhartini Fauzia Bakhtiar Fauziah Bachtiar Febri, Febrianti Gunawan, Sahrul Indriyani, Eka Ismail, Muhammad Fahreza Jufriadi Jufriadi Khairin Magfira Muh. Izzulhaq Sawaji Muhammad Idrus Muhammad Khaedar Sahib Natsaha Mazna Ramli Nur Rahmah Sari Nurmiati Nurmiati Nurmiati Nurmiati Nurmiati Nurmiati Paramita Poddala Poddala, Anggi Poddala, Paramita Raodahtul Jannah Rika Dwi Ayu Parmitasari Rosmini, Sri Wahyuningsi Rusdi Raprayogha Rusnawati Rusnawati Rusnawati Rusnawati Rusnawati, Rusnawati Rusydi, Bahrul Ulum Ryketeng, Masdar S. Widad Ahmad Sirajuddin Suhartini, Eka Taslim, Muhammad Wahidah Abdullah WAHYUDI Wahyudi Wahyudi Wahyudi Wahyudi Wahyudi Wahyudi