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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Manajemen STIE Muhammadiyah Palopo Jurnal Akuntansi STIE Muhammadiyah Palopo IJEBD (International Journal Of Entrepreneurship And Business Development) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Dinamis : Journal of Islamic Management and Bussiness SEIKO : Journal of Management & Business Owner : Riset dan Jurnal Akuntansi Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Journal of Institution And Sharia Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JURNAL EKSBIS Jurnal Ilmiah Edunomika (JIE) Management Studies and Entrepreneurship Journal (MSEJ) Journal of Economic, Public, and Accounting (JEPA) Bima Journal : Business, Management and Accounting Journal Journal of Applied Business, Taxation and Economics Reseach JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Golden Ratio of Mapping Idea and Literature Format J-AKSI : JURNAL AKUNTANSI DAN SISTEM INFORMASI Margin: Jurnal Lentera Managemen Keuangan Jurnal Inovasi Bisnis Indonesia (JIBI) Student Research Journal Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Ekonomi, Manajemen, Akuntansi Journal of Multidisciplinary Academic Business Studies Jurnal Simki Economic
Jumawan Jasman
UNIVERSITAS MUHAMMADIYAH PALOPO
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Library & Information Science Social Sciences Other

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Income and Household Consumption Uncertainty After the COVID-19 Pandemic Crisis: The Moderating Role of Financial Attention and Liquid Wealth Evidence from Indonesia Resky Khaerunnisa; Goso Goso; Jumawan Jasman
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.
Determinants of User Satisfaction in BRImo N. Nuraini; Rahmad Solling Hamid; Jumawan Jasman
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 2 (2026): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i2.1939

Abstract

This study aims to analyze the effects of psychological trust and service innovation on user satisfaction with the BRImo mobile banking application, with Perceived of usefulness serving as a mediating variable. Psychological trust is defined as users’ confidence in the security, reliability, and integrity of the application system, while service innovation refers to users’ perceptions of feature updates, service creativity, and the application’s ability to adapt to their needs.This research employs a quantitative approach by developing an extended Technology Acceptance Model (TAM). Data were collected through an online survey of 200 active BRImo users and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that psychological trust and service innovation have positive and significant effects on Perceived of usefulness. Perceived of usefulness also has a significant effect on user satisfaction. Furthermore, Perceived of usefulness partially mediates the relationship between psychological trust and user satisfaction, but does not mediate the relationship between service innovation and user satisfaction. These findings suggest that BRImo user satisfaction is influenced not only by the functional benefits of the application but also by users’ trust in system security and the directly experienced innovative features. Practically, this study highlights the importance of strengthening system security and reliability, as well as continuously developing service innovations to enhance mobile banking user satisfaction in Indonesia. Theoretically, this study enriches the development of TAM by integrating psychological and innovative factors within the context of digital banking.
The Influence of Reward, Punishment, and Work Motivation on Employee Performance at MSMEs Palopo Anggi Ka’ti; J. Junaidi; Jumawan Jasman
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 2 (2026): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i2.2093

Abstract

This study aims to analyze the influence of reward and punishment as well as work motivation on employee performance in Micro, Small, and Medium Enterprises (MSMEs) in the City of Palopo. This research uses a quantitative approach with the entire population of SMSEs employees in the City of Palopo. Primary data were collected thru questionnaires from 134 respondents selected using purposive sampling techniques, while secondary data were obtained from relevant literature studies. Data analysis was conducted using the covariance-based Structural Equation Modeling (SEM) method with the assistance of IBM SPSS AMOS version 22 and IBM SPSS Statistics version 22 software. The research results show that reward and punishment have a negative and insignificant effect on employee performance. Work motivation has also not been proven to have a significant direct effect on employee performance. However, punishment has been proven to have a positive and significant effect on work motivation, while reward has a negative and insignificant effect on work motivation. Work motivation has been shown to significantly mediate the effect of reward and punishment on employee performance. These findings underscore the important role of work motivation as a key mechanism in bridging reward and punishment policies toward improving employee performance. Therefore, proper management of rewards and punishments should focus on efforts to build work motivation so that the performance of MSMSEs employees in Palopo City can improve sustainably.
THE EFFECT OF ESG AWARENESS AND BRIMO APPLICATION FEATURE INNOVATION ON THE INTEREST IN USING THE BRIMO APPLICATION THROUGH CUSTOMER SATISFACTION Nurul Islamiah; Jumawan Jasman; Hapid Hapid
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 2 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i2.3819

Abstract

Introduction: This study aims to analyze the effect of ESG awareness and innovation in BRImo application features on users’ intention to use the BRImo application through customer satisfaction. The study is motivated by the increasing need for innovative and sustainable digital banking services in response to rapid digital transformation in the banking sector.Methods: This research employs a quantitative method with an explanatory research approach. Data were collected through questionnaires distributed to BRImo application users in Palopo City. A total of 400 respondents were selected using a purposive sampling technique. Data analysis was conducted using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS 3.0 software.Results: The results indicate that ESG awareness and innovation in BRImo application features have a positive and significant effect on customer satisfaction and users’ intention to use the application. In addition, customer satisfaction is proven to partially mediate the relationship between ESG awareness and feature innovation on the intention to use BRImo.Conclusion and suggestion: The findings confirm that the success of banking digitalization is not only determined by technological innovation but also by the implementation of sustainability values that can enhance customer trust and loyalty. Keywords: BRImo, Customer Satisfaction, Digital Innovation, ESG
Pengaruh Literasi Digital, Literasi Keuangan Dan Modal Sosial Terhadap Keputusan Investasi Di kalangan Pemuda Desa Raja Dan Desa Puty Vioni Aulia; Jumawan Jasman; Mutmainna Mutmainna
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 6: September 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i6.18165

Abstract

Pengetahuan yang harus dimiliki seseorang tentang berbagai aspek investasi, mulai dari pengetahuan dasar tentang penilaian investasi, tingkat risiko, dan tingkat pengembalian investasi disebut pengetahuan investasi. Semakin banyak pengetahuan yang diperoleh seseorang tentang investasi, baik melalui pendidikan maupun pengalaman, maka semakin besar keinginan untuk melakukan investasi, Penelitian ini bertujuan untuk mengetahui bagaimana Literasi Digital, Literasi keuangan dan modal sosial mempengaruhi keputusan investasi dikalangan pemuda. Penelitian ini menggunakan metode kuantitatif dengan membagikan kuesioner kepada 140 orang responden, lalu data tersebut dianalisis menggunakan regresi linear berganda. Hasilnya menunjukkan bahwa literasi digital tidak memengaruhi keputusan investasi, sedangkan literasi keuangan dan modal sosial berpengaruh positif terhadap keputusan investasi.
Model Inklusi Keuangan UMKM Berbasis Kualitas Layanan dan Biaya Transaksi Salmita Salmita; Jumawan Jasman; Sofyan Syamsuddin
Margin: Jurnal Lentera Managemen Keuangan Vol. 4 No. 02 (2026): Agustus 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/margin.v4i02.1479

Abstract

Meskipun peran Usaha Mikro, Kecil, dan Menengah (UMKM) sangat vital bagi perekonomian lokal, pemanfaatan layanan keuangan formal oleh sebagian besar pelaku UMKM masih tergolong rendah akibat kendala kualitas layanan yang belum optimal dan biaya transaksi yang relatif mahal. Penelitian ini bertujuan untuk menganalisis model inklusi keuangan UMKM berbasis kualitas layanan keuangan dan biaya transaksi di Kota Palopo. Penelitian menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner terstruktur. Populasi penelitian berjumlah 15.759 UMKM dengan sampel 99 responden pengambil keputusan usaha yang ditentukan secara purposive sampling dan dikalkulasi ukurannya menggunakan rumus Slovin. Analisis data dilakukan melalui pengujian asumsi klasik dan regresi linier berganda menggunakan perangkat lunak SPSS. Hasil pengujian menunjukkan bahwa secara parsial, kualitas layanan keuangan berpengaruh positif dan signifikan terhadap inklusi keuangan UMKM di Kota Palopo (t = 2,571; p = 0,012). Demikian pula biaya transaksi berpengaruh positif dan signifikan secara parsial terhadap inklusi keuangan (t = 4,577; p = 0,001). Nilai R² sebesar 0,465 mengindikasikan bahwa 46,5% variabilitas inklusi keuangan dijelaskan oleh kedua variabel independen tersebut. Temuan ini menegaskan bahwa peningkatan kualitas layanan yang responsif serta biaya transaksi yang terjangkau dan efisien merupakan pendorong kunci dalam memperluas keberlanjutan pemanfaatan sistem keuangan formal oleh UMKM di daerah berkembang.
Co-Authors Abid Ramadhan Abu Bakar Adil Adil Adil Adil, Adil Afiqah Syahrani Insyirah Ahmad Suhardi Akib, Rafika Alda Fadila Andika Rusli Andini, Faula Anggi Ka’ti Anwar, Suhardi M. Arianti Latif Asriana Asriana, Asriana Asriany Asriany Asriany Asriany Asriany Asriany Asriany, Asriany Dicky Fahrezy Mulya Dicky Fahrezy Mulya Eka Eka Eka Syam Firlianti Firlianti Firlianti Fitria Hamka Goso Goso Haedar Haedar Halim Usman, Halim Hapid Hapid Hapid Hapid, Hapid Hardiansyah, Diva Nadya Harma Dani Harma Dani Husmaruddin Husmaruddin, Husmaruddin I Ketut Patra Ikrianti, Ikrianti Indra Kusdarianto, Indra Insyirah, Afiqah Syahrani Ismilasari Ismilasari J. Junaidi Mahrani, Luthfiyah Masnawati Masnawati Muh. Junelghy Imran Muhammad Luthfi Mutmainna Mutmainna N. Nuraini Nurul Islamiah Pratama, Ikhtyar Pratista Ramadhani, Anggi Putri Dewintari Rafika Akib Rahmad Solling Hamid Ramadhan, Anugrah Riskullah Resky Khaerunnisa Rina Karim Riyanti Riyanti Rusli, Sastri Mandayani Saharuddin Sahrir, Sahrir Salaming, Nadillah Salju Sanuddin Salmita Salmita Samsul Bachri, Samsul Sapar Sapar Sarmila Siti Nur Ariska Sofyan Syamsuddin Syahrir Akil SYAMSU ALAM Tasdin, A’zifah Vioni Aulia Yulianti, Fanni