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All Journal Jurnal Penelitian Ekonomi dan Bisnis Jurnal Minds: Manajemen Ide dan Inspirasi 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 Jurnal Inovasi Bisnis Indonesia (JIBI) Student Research Journal Jurnal Ilmiah Akuntansi dan Keuangan Journal of Multidisciplinary Academic Business Studies
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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The Influence of Knowledge, Social Media, and Investment Motivation on Investment Interest among the Millennial Generation in Palopo City Ramadhan, Anugrah Riskullah; Jasman, Jumawan; Sahrir, Sahrir
Journal of Applied Business, Taxation and Economics Research Vol. 5 No. 3 (2026)
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v5i3.547

Abstract

This research aim to explore the influence of investment knowledge, social media, And investment motivation to investment interest. With identify connection between third variables This expected can be found outlook new Which useful in designing program management finance Which more effective. This research method uses quantitative data with primary data sources and a sample of 100 respondents. The data was obtained from response respondents on statement in questionnaire And analyzed use analysis multiple linear regression. The results of this study indicate that investment knowledge has an effect positive and significant on investment interest, social media has an influence positive and significant on investment interest, and investment motivation has a positive and significant effect on investment interest.
Determinants of User Satisfaction in BRImo Nuraini, N.; Hamid, Rahmad Solling; Jasman, Jumawan
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 Ka’ti, Anggi; Junaidi, J.; Jasman, Jumawan
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 Influence of Digital Financial Literacy, Social Environment, and Financial Self Efficacy on Online Loans among Generation Z Nunun, Nunun; Junaidi, Junaidi; Jasman, Jumawan
Jurnal Penelitian Ekonomi dan Bisnis Vol. 11 No. 1 (2026): March 2026
Publisher : Universitas Dian Nuswantoro Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jpeb.v11i1.15043

Abstract

This study aims to describe and analyze the influence of digital financial literacy, social environment, and financial self-efficacy on individuals' decisions to take out online loans. The type of research is quantitative research. The population in this study is Generation Z. The sampling technique used primary data in the form of questionnaires, resulting in 80 respondents. The data collection method used Structural Equation Modeling (SEM) with AMOS 22 and SPSS 22 software. The research results show that: digital financial literacy has a negative and insignificant effect on online loans, the social environment has a positive but insignificant effect on online loans, financial self-efficacy has a positive but insignificant effect on online loans, digital financial literacy has an indirect (full mediation) effect on financial self-efficacy, and the social environment has an indirect (full mediation) effect on financial self-efficacy.
Co-Authors Abid Ramadhan Abu Bakar Adil Adil Adil Adil, Adil Afiqah Syahrani Insyirah Ahmad Suhardi Akib, Rafika Alda Fadila Andika Rusli Andini, Faula 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 Hardiansyah, Diva Nadya Harma Dani Harma Dani Husmaruddin Husmaruddin, Husmaruddin I Ketut Patra Ikrianti, Ikrianti Indra Kusdarianto, Indra Insyirah, Afiqah Syahrani Ismilasari Ismilasari Junaidi Junaidi Junaidi, J. Ka’ti, Anggi Mahrani, Luthfiyah Masnawati Masnawati Muh. Junelghy Imran Muhammad Luthfi N. Nuraini Nunun, Nunun Pratama, Ikhtyar Pratista Ramadhani, Anggi Putri Dewintari Rafika Akib Rahmad Solling Hamid Ramadhan, Anugrah Riskullah Rina Karim Riyanti Riyanti Rusli, Sastri Mandayani Saharuddin Sahrir, Sahrir Salaming, Nadillah Salju Sanuddin Samsul Bachri, Samsul Sapar Sapar Sarmila Siti Nur Ariska Syahrir Akil SYAMSU ALAM Tasdin, A’zifah Yulianti, Fanni