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All Journal Golden Ratio of Mapping Idea and Literature Format Paradoks : Jurnal Ilmu Ekonomi Khazanah Journal: Economics, Muamalah dan Entrepreneurship
Ar, Dhita Pratiwi
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Library & Information Science Social Sciences

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Changes in Consumer Behavior Through E-Payment in the Implementation of Green Economy Ar, Dhita Pratiwi; Lutfi, Anugrah; Akbar, Muhammad; Layli, Nuril; Salam, Karta Negara
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 1 (2025): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i1.1017

Abstract

In recent years, there has been a growing awareness of the importance of adopting environmentally sustainable infrastructure. The shift towards a circular economy and the increased use of digital payment methods (e-payment) have emerged as key drivers of sustainable consumer behavior. This study examines the impact of con-sumer behavior changes through the adoption of e-payment systems within the framework of green economy practices. The research was conducted in Makassar, involving a sample of 150 respondents, and analyzed using Structural Equation Modeling (SEM). The results indicate a significant relationship between consumer behavior changes and the increased use of e-payment, which in turn supports the implementation of green economy practices. The findings highlight that e-payment adoption contributes to reduced carbon emissions and the use of non-renewable resources, promoting a more sustainable and efficient economy.
User-Generated Content (UGC) and Its Impact on Tourism Marketing: A Systematic Literature Review Sujatmiko, S; Ar, Dhita Pratiwi; Hamdat, Aminuddin; Salam, Karta Negara
Golden Ratio of Mapping Idea and Literature Format Vol. 5 No. 2 (2025): February - June
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v5i2.1491

Abstract

This study aims to systematically examine the impact of user-generated content (UGC) on tourism marketing by synthesizing empirical evidence from scholarly publications over the last decade. Grounded in a descriptive quantitative approach, the research employs a systematic literature review methodology to identify, evaluate, and integrate findings from 30 peer-reviewed journal articles published between 2010 and 2025. The review categorizes the influence of UGC across four core dimensions: destination image formation, tourist decision-making processes, emotional engagement, and strategic marketing implications. The results indicate that UGC significantly shapes both the cognitive and affective components of destination image, influences tourists’ behavioral intentions through emotional resonance, and acts as a trusted informational and social source during the travel planning cycle. Furthermore, UGC enhances marketing effectiveness when integrated responsibly into official campaigns, yet raises ethical concerns related to consent, representation, and content authenticity. The study also identifies critical gaps in current literature, including limited inclusivity in UGC representation and the risks associated with algorithmically amplified or manipulated content. The findings underscore the necessity for tourism marketers and destination management organizations to not only leverage UGC as a strategic asset but also to adopt ethical and inclusive frameworks for its governance. Ultimately, this study contributes to a more comprehensive understanding of UGC as both a communicative phenomenon and a transformative tool in the evolving landscape of digital tourism marketing.
Non Performing Loan Resolution Strategies and Impact on Financial Performance Baharuddin, Ceskakusumadewi; Liutfi, Anugrah; Ar, Dhita Pratiwi; Rizal, Muhammad; Sasmita, Halida
Golden Ratio of Mapping Idea and Literature Format Vol. 5 No. 2 (2025): February - June
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v5i2.1494

Abstract

This study investigates the relationship between non-performing loan (NPL) resolution strategies and financial performance among commercial banks in Indonesia. As NPLs remain a persistent threat to banking sector stability, especially in post-pandemic recovery phases, the research aims to assess how various resolution mechanisms namely restructuring, write-offs, asset sales to asset management companies (AMCs), and digital early-warning systems impact key financial indicators such as return on assets (ROA), return on equity (ROE), net interest margin (NIM), and capital adequacy ratio (CAR). Employing a quantitative descriptive design, this study draws on secondary panel data from 35 Indonesian commercial banks over the 2020–2024 period, incorporating bank-level financial reports, regulatory disclosures, and macroeconomic indicators. Multiple regression analysis is used to evaluate the effect of each resolution strategy on financial performance metrics. The findings indicate that proactive loan restructuring has a significant positive effect on ROA and NIM, while asset sales to external AMCs are associated with notable improvements in CAR due to risk-weight reductions. Moreover, banks with aggressive provisioning policies experience enhanced ROE when combined with effective loss recognition. The implementation of AI-based early-warning systems significantly mediates the impact of restructuring on profitability by reducing re-default rates. These results suggest that an integrated resolution approach combining traditional financial tactics with digital risk-management innovations optimizes both short-term profitability and long-term solvency. The study contributes to strategic financial management literature and provides actionable insights for regulators aiming to strengthen bank resilience in emerging markets.
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.
Co-Authors Baharuddin, Megawaty Ceskakusumadewi Hamdat, Aminuddin K, Sriwanda Layli, Nuril Liutfi, Anugrah Lutfi, Anugrah Maryam Nurdin, Maryam Megawaty, Megawaty Muhammad Akbar MUHAMMAD RIZAL Salam, Karta Negara Sasmita, Halida Sujatmiko, S