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All Journal Al-Kharaj: Journal of Islamic Economic and Business Golden Ratio of Mapping Idea and Literature Format
Jusman
Universitas Muhammadiyah Palopo
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Social Sciences

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The Effect of Workload and Work Stress on Burnout: The Mediating Role of Work-Life Balance among BPKAD Employees in Palopo City Wahyuni Tasya Ramadani; S. Saharuddin; J. Jusman
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.v6i2.2106

Abstract

This study aims to examine the effect of workload and Work Stress on burnout, with work-life balance as a mediating variable among employees of the Regional Financial and Asset Management Agency of Palopo City. This study employs a quantitative approach using a survey method. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that Work Stress has a positive and significant effect on burnout, while workload does not have a significant effect on burnout. Furthermore, workload has a positive and significant effect on work-life balance, whereas Work Stress does not significantly affect work-life balance. In addition, work-life balance is found to have a significant mediating role in the relationship between workload, Work Stress, and burnout. These findings suggest that managing Work Stress and maintaining work-life balance are essential in reducing employee burnout. This study provides practical implications for organizations, particularly in the public sector, to develop strategies that support employee well-being and performance.
The Impact of Improving Employee Skills and Knowledge Facing Digital Transformation at BSI Bank, Palopo City Branch Gita Pratiwi Sultan; Altri Wahida; Jusman
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.9865

Abstract

This study aims to analyze the influence of employee skills and knowledge on digital transformation at Bank Syariah Indonesia (BSI) Palopo City Branch. Digital transformation in the banking sector requires human resources who are capable of operating technology and adapting to new systems. The study used a quantitative approach, involving all 30 employees of BSI Palopo Branch as a sample through census sampling. Data were collected using a Likert-scale questionnaire and analyzed using multiple linear regression. The results showed that employee skills and knowledge have a positive and significant effect on digital transformation. Knowledge is the most dominant factor in supporting the success of service digitalization. These findings emphasize that improving competency and understanding of technology is essential to strengthen human resource readiness in facing digital changes in Islamic banking
The Effect of Bank Sulselbar's People's Business Credit (KUR) on MSME Development in Masamba District Tinanti S; I Ketut Patra; J. Jusman
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2236

Abstract

Limited access to formal financing remains a major constraint on the development of micro, small, and medium enterprises (MSMEs), particularly in regional areas. Through the People's Business Credit (KUR) program, the government seeks to address this constraint by providing accessible, low-interest financing. However, the effectiveness of KUR in promoting MSME development at the local level still requires empirical verification. Therefore, this study explicitly addresses the following research question: Does the People's Business Credit (KUR) distributed by Bank Sulselbar have a significant effect on MSME development in Masamba District? Based on this question, the research hypothesis states that KUR has a positive and significant effect on MSME development. This study employed a quantitative approach using a survey of MSME owners who had received KUR in Masamba District. The data were analyzed using simple linear regression to examine the relationship between People's Business Credit and MSME development, as measured by revenue growth, increased assets, and employment creation. By formulating a clear research question and hypothesis, this study is expected to provide a strong empirical basis for assessing the role of KUR as an inclusive financing instrument for MSME development at the local level.
Co-Authors Altri Wahida Gita Pratiwi Sultan I Ketut Patra S. Saharuddin Tinanti S Wahyuni Tasya Ramadani