Articles
<![CDATA[Sharia Fintech Education for Disaster-Affected Communities in Palu City ]]>
<![CDATA[Sofyan, Syaakir]]>;
<![CDATA[Syamsu, Nur]]>;
<![CDATA[Noval, Noval]]>
<![CDATA[ Journal of Community Service: In Economics, Bussiness, and Islamic Finance Vol. 1 No. 1 (2023): July - December ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Datokarama Palu ]]>
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DOI: 10.24239/jcsebif.v1i1.2395.1-8
<![CDATA[Amidst the rampant development of conventional fintech technology, Islamic fintech has emerged as an innovation combining Islamic finance principles with technological advancements. Islamic fintech is a financial solution that enables Muslims to conduct their daily economic activities following Sharia law, which prohibits usury (interest) and transactions that are not in line with principles of justice. This initiative is carried out to increase public interest in using Islamic fintech by educating communities affected by disasters in Huntap Duyu. The process involves stages of preparation, observation, discussion for activity determination, activity implementation, and evaluation. The activity results show positive outcomes in enhancing the community's understanding of Islamic fintech.]]>
<![CDATA[Connecting The Cleaning of Palu Beach With Msme Development: Community Service Efforts For Sustainable Economic Growth ]]>
<![CDATA[Abdul Jalil]]>;
<![CDATA[Noval]]>;
<![CDATA[Irham Pakkawaru]]>;
<![CDATA[Nuriatullah]]>;
<![CDATA[Nurfitriani]]>;
<![CDATA[Indah Handayani]]>
<![CDATA[ Journal of Community Service: In Economics, Bussiness, and Islamic Finance Vol. 2 No. 1 (2024): July-December ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Datokarama Palu ]]>
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DOI: 10.24239/jcsebif.v2i1.3918.10-16
<![CDATA[Beach cleaning is one of the important efforts in maintaining environmental sustainability while also supporting the development of ecotourism. In the city of Palu, community service efforts through beach clean-ups aim not only to improve environmental cleanliness and health but also to encourage local economic growth, particularly through the Micro, Small, and Medium Enterprises (MSMEs) sector. This article examines the relationship between the cleaning of Palu's coastline and the empowerment of local SMEs. In addition, this research also highlights the economic impact generated, both in the form of new job creation in the tourism and MSME sectors, as well as the increased attraction for tourists. Through a community service-based approach, this initiative is expected to strengthen the synergy between environmental conservation and sustainable economic development in Palu. The results show that beach cleanups not only contribute to environmental cleanliness but also provide opportunities for SMEs to grow and play a role in promoting a more sustainable economy.]]>
<![CDATA[Assistance in Creating Google Sites as a Marketing Platform for Anwarul Quran Islamic Boarding School ]]>
<![CDATA[Sofyan, Syaakir]]>;
<![CDATA[Noval]]>;
<![CDATA[Fatma]]>;
<![CDATA[Ela Agustina]]>;
<![CDATA[Khusnul Khatimah]]>;
<![CDATA[Zahra]]>
<![CDATA[ Journal of Community Service: In Economics, Bussiness, and Islamic Finance Vol. 2 No. 2 (2025): January-June ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Datokarama Palu ]]>
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DOI: 10.24239/jcsebif.v2i2.3877.53-58
<![CDATA[This community service program aims to enhance the digital skills of students and administrators at Pondok Pesantren Anwarul Quran in creating and managing websites using Google Sites. In today’s digital era, educational institutions, including Islamic boarding schools (pesantren), require an online platform to disseminate information and manage administration more effectively. A well-designed website enables pesantren to promote its educational programs, document activities, and improve communication with a broader audience. The methods used in this program include direct training, practical mentoring, and continuous evaluation. Participants were introduced to the basics of website development using Google Sites, hands-on website creation, and strategies for independently managing and updating content. The results of this program show that students and administrators have acquired fundamental skills in website development and management. Consequently, pesantren can enhance its online presence and strengthen its visibility in the digital world. The success of this initiative demonstrates that similar programs can be implemented in other pesantren to support digital transformation in faith-based education.]]>
<![CDATA[RELATIONSHIP BETWEEN INTELLECTUAL INTELLIGENCE, ADVERSITY QUOTIENT AND EMPLOYEE PERFORMANCE MEDIATED BY RELIGIOUSITY ]]>
<![CDATA[Bachmid, Sofyan]]>;
<![CDATA[Harun, Harun]]>;
<![CDATA[Noval, Noval]]>
<![CDATA[ Jurnal Riset Bisnis dan Manajemen Vol. 16 No. 2 (2023): August Edition ]]>
Publisher : <![CDATA[Faculty of Economic and Business, University of Pasundan ]]>
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DOI: 10.23969/jrbm.v16i2.7176
<![CDATA[This article presents a novel approach to understanding the relationship between intellectual intelligence, Adversity Quotient, religiosity, and employee performance in Islamic banks. While previous research has focused on examining the individual impact of these variables on employee performance, this study explores the potential mediating effects of religiosity. The study was conducted on a sample of 141 employees at Islamic banks in Palu City, and the data were analyzed using PLS-SEM. The findings indicate that religiosity mediated the relationship between Adversity Quotient and employee performance, while the relationship between intellectual intelligence and employee performance was not mediated by religiosity. These unique findings highlight the importance for Islamic banks to provide worship facilities and hold Islamic studies to enhance employee religiosity, ultimately leading to improved performance. Overall, this study adds novelty to the literature by offering a fresh perspective on the dynamics of employee performance in the Islamic banking sector.]]>
<![CDATA[Analisis Perbandingan Profitabilitas Bank Muamalat Indonesia Sebelum Dan Sesudah Pembentukan Bank Syariah Indonesia (BSI) ]]>
<![CDATA[Taufik]]>;
<![CDATA[Sagir M. Amin]]>;
<![CDATA[Abdul Jalil]]>;
<![CDATA[Noval Noval]]>
<![CDATA[ Jariyah: Jurnal Ilmu Akuntansi dan Keuangan Syariah Vol. 2 No. 1 (2024): Jariyah: Jurnal Ilmu Akuntansi dan Keuangan Syariah ]]>
Publisher : <![CDATA[Program Studi Akuntansi Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu ]]>
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DOI: 10.24239/jariyah.v2i1.3696.194-206
<![CDATA[Penilitian ini membahas tentang analisis perbandingan profitabilitas Bank Muamalat kantor cabang Palu sebelum dan setelah pembentukan Bank Syariah Indonesia (BSI). Tujuan utama dalam penelitian ini adalah untuk mengetahui bagaimana profitabilitas bank Muamalat cabang Palu sebelum dan setelah pembentukan Bank Syariah Indonesia (BSI). Jenis penelitian yang digunakan yaitu penelitian kuantitatif Komparatif dengan sampel laporan triwulan bank Muamalat Indonesia dari tahun 2019-2022. Penelitian ini menggunakan uji normalitas, uji homogenitas dan uji paired sample t-test menggunakan aplikasi SPSS versi 23. Hasil penelitian ini menunjukan bahwa uji paired sample t-test, Rasio ROA diperoleh nilai sig. sebesar 0,192, nilai ini lebih besar dari 0,05 maka dapat disimpulkan bahwa tidak terdapat perbedaan yang signifikan sebelum dan setelah pembentukan Bank Syariah Indonesia. Diharapkan kedepannya Bank Muamalat Indonesia meninggkatkan laba dengan cara meningkatkan volume penjualan, dilakukan dengan cara mempromosikan produk- produk baru dan menonjolkan keuunggulan Bank Muamalat Indonesia dengan hal ini maka akan timbul adanya peningkatan profitabilitas]]>
<![CDATA[Traditional vs Modern Groceries from Islamic Perspective in Indonesia ]]>
<![CDATA[Sofyan Bachmid]]>;
<![CDATA[Mokh Ulil Hidayat]]>;
<![CDATA[Noval Noval]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol. 9 No. 1 (2024) ]]>
Publisher : <![CDATA[Universitas Islam Negeri Raden Mas Said Surakarta ]]>
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DOI: 10.22515/shirkah.v9i1.575
<![CDATA[Despite extensive research on the competition between modern and traditional retailers, there is a lack of investigation into specific factors that influence consumer choices and directly impact sales revenue. There is a scarcity of research exploring these issues from the perspective of Islamic business. To address this gap, the study aims to examine consumer preferences in purchasing decision at Traditional and Modern groceries. This study employed a quantitative approach by distributing questionnaire to 100 customers in Palu city, Indonesia. Data analysis involved path analysis and bootstrap biased correlation. The findings highlight the significant impact of product variants, pricing strategies, and promotional efforts by modern retailers on sales revenue in traditional retail stores through purchasing decisions. However, shopping convenience did not exhibit a significant influence, indicating the need for improvement. The competition between traditional and modern retail is primarily driven by shifting consumer behavior and relatively weaker marketing strategies employed by traditional retailers. This study suggests that to maintain their market position, traditional retailers should enhance their marketing strategies by expanding product offerings, setting competitive prices, and executing effective promotional campaigns. Prioritizing the improvement of shopping convenience is crucial to meet customer expectations and preferences.]]>
<![CDATA[The role of bandwagon effect and FoMo in viral marketing ]]>
<![CDATA[Rizqah Rizqah]]>;
<![CDATA[Syaakir Sofyan]]>;
<![CDATA[Noval Noval]]>;
<![CDATA[Sofyan Bachmid]]>;
<![CDATA[Hamka Hamka]]>
<![CDATA[ Journal of Innovation in Business and Economics Vol. 9 No. 02 (2025): Journal of Innovation in Business and Economics ]]>
Publisher : <![CDATA[Faculty of Economics and Business, University of Muhammadiyah Malang ]]>
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DOI: 10.22219/jibe.v9i01.40376
<![CDATA[The digitalization era has significantly reshaped consumer behavior, especially among Generation Z, whose purchasing decisions are increasingly influenced by non-price factors such as social trends and peer dynamics. This study examines the direct and moderating effects of the bandwagon effect and Fear of Missing Out (FoMO) on consumptive buying behavior, with viral marketing as a mediating factor, in the context of Palu, Indonesia. Adopting a quantitative explanatory approach, data were collected from 398 respondents aged 18–26 through structured online surveys and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Results indicate that both the bandwagon effect and FoMO significantly and positively impact consumptive buying behavior, with FoMO demonstrating a stronger influence. Contrary to expectations, neither variable moderates the relationship between viral marketing and consumptive behavior. Moreover, viral marketing exhibits a significant negative effect, potentially due to perceptions of intrusiveness or oversaturation. These findings suggest that marketing strategies should emphasize social validation, exclusivity, and scarcity-based promotions to effectively engage Generation Z consumers.]]>
<![CDATA[The Influence of Financial Literacy, Financial Inclusion, and Social Environment on the Decision to Use QRIS by "MSMEs" ]]>
<![CDATA[Fadli Hadi Badjeber Hadi Badjeber]]>;
<![CDATA[Uswatun Hasanah]]>;
<![CDATA[Noval]]>;
<![CDATA[Ibrahim R. Mangge]]>;
<![CDATA[Muhammad Ikbal]]>
<![CDATA[ Tazkia Islamic Finance and Business Review Vol. 20 No. 1 (2026): TIFBR ]]>
Publisher : <![CDATA[Faculty of Islamic Business and Management ]]>
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DOI: 10.30993/tifbr.v20i1.490
<![CDATA[This study aims to analyze the influence of financial literacy, financial inclusion, and the social environment on the decision to use the Quick Response Code Indonesian Standard (QRIS) among Micro, Small, and Medium Enterprises (MSMEs) in Palu City. The background of this research is based on the still low adoption rate of QRIS among MSME actors, despite the government's efforts to promote payment digitalization programs. This indicates a gap between the availability of digital payment infrastructure and users' readiness to adopt it. This research uses a quantitative approach with a total of 100 respondents who are MSME actors in Palu City. Data was collected thru questionnaires and analyzed using the Structural Equation Modeling–Partial Least Square (SEM-PLS) method to test the relationships between variables. The research results indicate that financial literacy does not significantly influence the decision to use QRIS, while financial inclusion and the social environment have a positive and significant impact. Simultaneously, these three variables positively and significantly influence the decision to use QRIS among MSME actors. This finding suggests that the decision to use QRIS is more influenced by ease of access to formal financial services and social support from the surrounding environment, compared to an individual's level of financial understanding. The results of this research are expected to provide input for the government and financial institutions in strengthening digital education and expanding financial inclusion to accelerate the adoption of digital payment systems in the MSME sector.]]>
<![CDATA[Regional Investment, Leverage, and Financial Independence in Central Sulawesi ]]>
<![CDATA[Andi Aidir Arsy]]>;
<![CDATA[Dewi Salmita]]>;
<![CDATA[Muhammad Syafaat]]>;
<![CDATA[Noval]]>;
<![CDATA[Noor Riefma Hidayah]]>
<![CDATA[ Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 3 (2026): Volume 4, Issue 3, May 2026 ]]>
Publisher : <![CDATA[CV. Sakura Digital Nusantara ]]>
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DOI: 10.61255/jeemba.v4i3.1033
<![CDATA[Purpose - This study examines the association between regional investment, leverage, and regional financial independence within the fiscal decentralization framework. Design/methodology/approach - A quantitative associative approach is employed using pooled panel data from 13 regency and municipal governments in Central Sulawesi Province during 2018–2024. The relationships among variables are analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with WarpPLS. The analysis is grounded in fiscal decentralization theory and agency theory to explain local government financial management behavior. Finding/Results – The results indicate that regional investment and leverage are positively and significantly associated with regional financial independence in the pooled PLS-SEM model. Long-term investment is related to stronger fiscal capacity, while leverage may serve as a supportive financing instrument when managed prudently. Together, both variables explain a moderate proportion of the variation in regional financial independence. Originality/Value - This study contributes empirical evidence on how regional investment and leverage are linked to local fiscal autonomy in Central Sulawesi, an underrepresented provincial context in Indonesian local government finance studies. The findings provide practical insights for local governments to improve productive long-term investment and maintain prudent liability management. This study is limited to one province and two explanatory variables; therefore, future research may expand regional coverage and include governance quality, revenue effectiveness, transfer dependence, and expenditure efficiency.]]>
<![CDATA[Religious Moderation and Economic Growth in ASEAN: Potentials and Challenges for Inclusive Prosperity ]]>
<![CDATA[Noval Noval]]>;
<![CDATA[Nadia Nadia]]>
<![CDATA[ AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 17 No. 2 (2025): At-Tasyri': Jurnal Ilmiah Prodi Muamalah ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh ]]>
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DOI: 10.47498/5kfrwc95
<![CDATA[This study highlights the influence of religious moderation on economic growth and social stability in ASEAN, emphasizing the values of tolerance, inclusiveness, and justice as key drivers. Through in-depth literature analysis, the research finds that Islamic finance practices, such as sukuk, hold significant potential in driving regional economic growth, while the values of religious moderation also support sustainable economic sectors like tourism. Recommendations to enhance Islamic financial infrastructure, strengthen the tourism sector, and improve regional cooperation in trade and investment, along with the integration of environmental sustainability into economic policies, are expected to bolster inclusive and sustainable economic growth in ASEAN and improve the overall quality of life for its people.]]>
