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All Journal SENTRALISASI Movere Journal International Journal of Economy, Education and Entrepreneurship (IJE3) Jurnal Manajemen Perbankan Keuangan Nitro Journal of Artificial Intelligence and Digital Business Advances in Applied Accounting Research Atestasi : Jurnal Ilmiah Akuntansi Khazanah Journal: Economics, Muamalah dan Entrepreneurship
Maryam Nurdin, Maryam
Kementerian Pertanian
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Social Sciences Other

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Implementation of Islamic Bank Mudharabah Financing in Makassar Nurdin, Maryam; Mukhtar Lutfi; Muhammad Wahyuddin Abdullah; Saiful Muchlis
SENTRALISASI Vol. 13 No. 1 (2024): Sentralisasi
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v13i1.2787

Abstract

This study aims to determine the implementation of mudharabah contracts in Islamic banks. The type of research used is qualitative. This research was conducted with in-depth interviews. The informants who will be the source of data in this research are people who are directly involved in mudharabah financing practices. Informants were determined by purposive sampling and snowball techniques. Informants were determined by certain criteria: (1) Islamic banking leaders in Makassar (2) Islamic banking account officers in Makassar (3) Customers who are or have received mudharabah financing. The total number of informants is 5 people. The results showed that there is a high risk of moral hazard so that this financing is transferred to the Mudharabah contract, so the conclusion of this study is that the implementation of the mudharabah contract is not fully implemented.
Pengaruh Persepsi Kemanfaatan, Persepsi Kemudahan, Persepsi Kepercayaan Dan Persepsi Risiko Terhadap Minat Mahasiswa Dalam Penggunaan Internet Banking Pada PT Bank BNI KCU Mattoangin Makassar Husni, M. Fahrul; Nurdin, Maryam; Saeni, Nuraeni; Krisnanto, Budhi; HS, Elsa Mayuri
Movere Journal Vol. 6 No. 2 (2024)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v6i2.479

Abstract

This study aims to determine the effect of perceived usefulness, perceived ease of use, perceived trust and perceived risk on student interest in PT Bank Negara Indonesia (Persero) Tbk. KCU Mattoangin Makassar. The analysis method used in this research is quantitative descriptive analysis method. The analytical tool used is multiple linear regression with the IBM SPSS Version 25.0 tool. From the proposed hypothesis test, the partial test research results show a positive and significant value for perceived usefulness, perceived convenience, perceived trust that it affects student interest in using mobile banking while perceived risk shows a negative and significant value. Simultaneously, the effect of perceived benefits, perceived convenience, perceived trust and perceived risk has a significant effect on customer interest and the R square value of 0.388 or 38.8% of the independent variable explains the dependent variable.
The Effect of Liquidity and Solvency on Stock Prices with Profitability as an Intervening Variable: Empirical Study on Pulp and Paper Companies Listed on the Indonesia Stock Exchange (2016-2023) Alamsyah Saputri, Fitri Angraeni; Nurdin, Maryam; Muspa, Muspa
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 1 (2025): Special Volume for International Collaboration
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v1i1.538

Abstract

This research aims to examine the influence of liquidity and solvency on share prices through profitability as an intervening variable in pulp and paper sector companies on the Indonesian Stock Exchange with a research period of 2 months starting from September 2024 to October 2024. The population in this study were all pulp and paper sector companies listed on the Indonesia Stock Exchange in 2016-2023. while the sample in this study was determined using purposive sampling and the number of samples used was six companies. so that the number of samples obtained in this study was 48 samples. This study uses data documentation, namely from the financial reports of the companies studied and can also be through the Indonesia Stock Exchange. The statistical method used to test the hypothesis uses the help of the partial least square application. The results of the analysis show that: 1) Liquidity has a negative effect on profitability in pulp and paper sector companies, 2) Solvency has a negative and significant effect on profitability in pulp and paper sector companies, 3) Liquidity has a positive effect on stock prices in pulp and paper sector companies, 4) Solvency has a positive effect on stock prices in pulp and paper sector companies, 5) Profitability has a positive and significant effect on stock prices in pulp and paper sector companies, 6) Liquidity has a negative effect on stock prices in pulp and paper sector companies through profitability as an intervening variable, 7) Solvency has a negative effect on stock prices in pulp and paper sector companies through profitability as an intervening variable.
The Effect of Financial Scandals on Regulation and its Impact on Corporate Financial Decisions Nurdin, Maryam
Advances in Applied Accounting Research Vol. 3 No. 1 (2025): October - January
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/aaar.v3i1.431

Abstract

Purpose: This study analyzes the effects of financial scandals on regulatory reforms and their impact on corporate financial decision-making. The research explores how regulatory changes influence financial strategies, focusing on differences in corporate adaptation in developed and developing markets. Research Design and Methodology: The study employs a qualitative systematic literature review (SLR) approach, synthesizing findings from peer-reviewed journals, books, and reports. The analysis integrates theoretical perspectives, such as agency theory, to comprehensively understand the dynamics between financial scandals, regulatory changes, and corporate financial strategies. Findings and Discussion: The findings indicate that financial scandals significantly drive regulatory reforms to strengthen transparency and accountability. Companies respond to these reforms by adjusting their capital structure, debt management, and investment strategies. Advanced technologies like blockchain and artificial intelligence (AI) have become pivotal in enhancing compliance and reporting efficiency. However, technological adoption presents challenges, particularly for companies in developing markets that face financial and infrastructure constraints. The study highlights that the success of regulatory reforms depends on robust enforcement mechanisms, stakeholder collaboration, and institutional support. Differences in corporate adaptation underscore the importance of tailored regulatory approaches to balance financial oversight and corporate flexibility. Implications: The study offers practical insights for policymakers and corporate leaders in formulating regulatory frameworks that foster innovation while maintaining financial integrity. Recommendations include simplifying compliance processes, providing technical guidance, and offering incentives for digitalization. These strategies can enhance corporate resilience and contribute to sustainable economic growth.
Analysis of Employee Performance at UPT Asrama Haji Makassar: The Role of Human Resource Development, Compensation, Work Environment, Leadership, and Work Motivation Rosmawati, Rosmawati; Megawaty, Megawaty; Nurdin, Maryam
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 4 (2025): Special Volume for International Collaboration
Publisher : LP2M IBK Nitro

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

Abstract

This study aims to analyze employee performance at the Makassar Hajj Dormitory UPT by focusing on the factors of human resource (HR) development, compensation, work environment, leadership, and work motivation. A quantitative research approach was employed through a survey of all employees at UPT Asrama Haji Makassar. The sampling technique used a saturated sample with 147 respondents. Data were collected using questionnaires and analyzed through instrument testing, classical assumption tests, multiple linear regression, and hypothesis testing. The findings reveal that HR development, work environment, and leadership have a positive and significant influence on both employee motivation and performance, while compensation has a negative and significant effect. Furthermore, work motivation shows a negative influence on employee performance. The results also indicate that HR development, compensation, work environment, and leadership affect employee performance indirectly through work motivation as a mediating variable. This study emphasizes the importance of HR development strategies, supportive work environments, and effective leadership in improving employee performance at UPT Asrama Haji Makassar. Conversely, inappropriate compensation systems tend to reduce employee motivation and performance.
THE EFFECT OF CASH MANAGEMENT SYSTEM EFFECTIVENESS AND GOVERNMENT CREDIT CARD ON FRAUD INDICATIONS THROUGH THE INTERNAL CONTROL SYSTEM Ashari, Relcy; Anshar, Muh. Ashary; Nurdin, Maryam
International Journal of Economy, Education and Entrepreneurship (IJE3) Vol. 5 No. 2 (2025): International Journal of Economy, Education and Entrepreneurship
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije3.v5i2.400

Abstract

This research aims to empirically test and analyze the effectiveness of the Cash Management System (CMS) and the Government Credit Card (KKP) on fraud indications, while also assessing the role of internal control systems (ICS) as a mediating variable. The research was conducted across work units of the Central Bureau of Statistics (BPS) in South Sulawesi Province using a quantitative explanatory approach. Data were collected through questionnaires administered to 96 financial management officials, including Budget User Authorities, Commitment Making Officials, Payment Order Signatories, and Expenditure Treasurers. The data were analyzed using the Partial Least Squares - Structural Equation Modeling (PLS-SEM) method. The results indicate that the effectiveness of CMS and KKP significantly influences internal control systems. However, internal control systems do not have a significant effect on fraud indications and do not serve as a mediating variable. This means that the influence of CMS and KKP on fraud is direct, and not mediated through internal control systems. These findings suggest that the implementation of non-cash transactions such as CMS and KKP plays a direct role in reducing fraud risks, even though the current internal control systems are not yet sufficiently effective as an intervention mechanism. Therefore, strengthening and restructuring internal controls is necessary to enhance their role in fraud prevention. This study provides practical implications for government institutions in promoting financial transparency through digital payment systems and in reinforcing control over the use of public funds.
PENGARUH GAYA KEPEMIMPINAN DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN PADA PT. BANK SULSELBAR CABANG UTAMA MAKASSAR Megawaty, Megawaty; Nurdin, Maryam; Ar, Dhita Pratiwi; Hamdat, Aminuddin; K, Sriwanda
Khazanah Journal: Economics, Muamalah & Entrepreneurship Vol. 1 No. 1 (2023)
Publisher : LPPM STIE Tri Dharma Nusantara - Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/kh.v1i1.442

Abstract

Untuk mencapai tujuan organisasi, tentunya karyawan dituntut untuk memaksimalkan kinerja yang dia miliki. Kinerja karyawan merupakan hal yang paling penting untuk diperhatikan dalam sebuah perusahaan, karena dapat mempengaruhi tercapainya tujuan dan kemajuan perusahaan dalam suatu persaingan yang semain ketat. Oleh karena itu didalam sebuah organisasi atau perusahaan pemimpin harus memperhatikan serta menerepkan gaya kepemimpinan yang mereka miliki dan lebih meningkatkan lagi lingkungan kerja didalam perusahaan. Maka, penelitian ini bertujuan untuk mengetahui dan menganilisi pengaruh gaya kepemimpinan dan lingkungan kerja terhadap kinerja karyawan. Analisis data menggunakan alat analisis regresi linier berganda dengan pengelolahan kuesioner melalui SPSS 23. Hasil penelitian secara parsial menunjukkan bahwa gaya kepemimpinan berpengaruh positif dan signifikan terhadap kinerja karyawan, yang berarti bahwa jika gaya kepemimpinan baik maka kinerja karyawan akan baik pula, sedangkan hasil penelitian lingkungan kerja berpengaruh positif dan signifikan terhadap kinerja karyawan, yang berarti bahwa jika lingkungan kerja baik maka kinerja karyawan akan baik pula. Adapun hasil penelitian secara simultan menunjukkan bahwa gaya kepemimpinan dan lingkungan kerja berpengaruh positif dan signifikan terhadap kinerja karyawan, yang berarti bahwa jika gaya kepemimpinan dan lingkungan kerja baik maka kinerja karyawan akan baik pula.
Islamic Financial Literacy to Support Islamic Banking Human Resources Suwandaru, Rachman; Adnan, Asri; Marsuki, Marsuki; Negara Salam, Karta; Nurdin, Maryam
Atestasi : Jurnal Ilmiah Akuntansi Vol. 6 No. 1 (2023): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/atestasi.v6i1.645

Abstract

This study aims to determine and analyze the knowledge, beliefs, and skills of Islamic banking human resources in Makassar city at the Well Literate, Sufficient Literate, Less Literate, and Not Literate levels. The research approach uses quantitative research with the data source used is primary data. The research population was Islamic bank employees in Makassar city with a sample of 71 employees. The method used is the structural equation method and measurement model. The analysis methods used are validity and reliability tests, data analysis, descriptive analysis with knowledge (X1), beliefs (X2), and skills (X3) variables. The analytical tool used in this research is Confirmatory Factor Analysis (CFA) used in analyzing indicators that have been grouped based on their latent variables (constructs) with the variables of knowledge (X1), beliefs (X2), and skills (X3) the data is processed using the Amos 20 program. The conclusion that the level of Islamic financial literacy of Islamic bank HR in Makassar city is obtained on the knowledge variable with an average value of 75% at a moderate level or at the Sufficient Literate level. The belief variable from the analysis results shows that the average value of 82% indicates that Islamic banking human resources have a high level of Islamic financial literacy or at the Well Literate level. The skill variable from the analysis results shows that the average value is 80%, this variable also shows a high level of Islamic financial literacy or at the Well Literate level.
Corporate Social Responsibility Disclosure and Financial Performance of Banks in Indonesia Nurdin, Maryam
Atestasi : Jurnal Ilmiah Akuntansi Vol. 7 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/atestasi.v7i2.1113

Abstract

This study examines the effect of Corporate Social Responsibility (CSR) on financial performance and stock returns in banking companies listed on the Indonesia Stock Exchange for 2020-2022. This research uses a quantitative approach with secondary data as the primary source. The research sample was selected using the purposive sampling method, resulting in 47 issuers as research objects. The data analysis technique used Statistical Product and Service Solution (SPSS) software, which allows in-depth analysis of the relationship between CSR variables and financial performance and stock returns. The results showed that CSR disclosure positively and significantly influences financial performance, as measured by Return on Equity (ROE). In addition, CSR also indicates a positive and significant influence on stock returns. These findings suggest that CSR disclosure is a corporate social responsibility and an effective business strategy to create added value. With higher CSR disclosure, companies can increase investor confidence, attract market interest, and strengthen their reputation, ultimately impacting growing profits and stock market stability. This study implies that companies, particularly in the banking sector, must strengthen CSR disclosure as part of their business strategy. Transparent CSR disclosure not only improves the competitiveness of companies in the capital market but also supports long-term sustainability. The findings are also relevant for regulators to design policies encouraging accountability and transparency in CSR reports, creating a more stable and sustainable investment environment.
The Impact of Customer Service Quality and Company Image on Customer Loyalty through Satisfaction at PT. Bank Rakyat Indonesia, Enrekang Branch Rasmani, Dilvia; Rosanti, Novita; Nurdin, Maryam
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.2334

Abstract

The purpose of this study is to analyze the influence of customer service quality on customer loyalty, to analyze the influence of company image on customer loyalty, to analyze the influence of customer service quality on customer satisfaction, to analyze the influence of company image on customer satisfaction, to analyze the influence of customer satisfaction on customer loyalty, and to analyze the influence of customer service quality on customer loyalty through customer satisfaction and to determine and analyze the influence of company image on customer loyalty through customer satisfaction at PT. Bank Rakyat Indonesia, Enrekang Branch, Kalosi Unit. The analysis method used is the SEM-PLS method with the help of WarpPLS 7.0 for Windows software to test the influence of customer service quality and company image variables both directly and indirectly (through customer satisfaction variables) on customer loyalty variables. The results of this study indicate that the quality of customer service has a positive and significant effect on customer loyalty, the image of the company has a positive and significant effect on customer loyalty, the quality of customer service has a positive and significant effect on customer satisfaction, the image of the company has a positive and significant effect on satisfaction, customer satisfaction has a positive and significant effect on customer loyalty and the quality of customer service has an effect on customer loyalty through customer satisfaction while the image of the company has an effect on customer loyalty through customer satisfaction PT. Bank Rakyat Indonesia, Enrekang Branch, Kalosi Unit.
Co-Authors Abdullah, Muhammad Wahyuddin Adnan, Asri Alamsyah Saputri, Fitri Angraeni Anshar, Muh. Ashary Ar, Dhita Pratiwi Ashari, Relcy Hamdat, Aminuddin HS, Elsa Mayuri K, Sriwanda Krisnanto, Budhi M. Fahrul Husni Marsuki Marsuki, Marsuki Megawaty, Megawaty Mukhtar Lutfi Muspa, Muspa Nuraeni Saeni Rasmani, Dilvia Rosanti, Novita Rosmawati Rosmawati Saiful Muchlis Salam, Karta Negara Suwandaru, Rachman