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INDONESIA
Jurnal Ilmu Perbankan dan Keuangan Syariah
Published by Institut Agama Islam Negeri Palu
ISSN : -     EISSN : 26866625     DOI : https://doi.org/10.24239/jipsya.v2i1.20.1-23
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ilmu Perbankan dan Keuangan Syariah diterbitkan oleh Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis IAIN Palu.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 98 Documents
 6   7   8   9   10 
Determinants of Regional Government Financial Performance in Central Sulawesi Province Dakhilulloh, Fajar; Dewi Salmita; Muhammad Syafaat; Moh. Agus Nugroho
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.336.252-276

Abstract

Regional autonomy is designed to enhance the efficiency of governance and the quality of public services through the delegation of greater authority to local governments. In this context, financial performance serves as a key indicator in assessing the success of autonomy implementation. This study aims to analyze the effect of financial dependence, financial independence and the effectiveness of local own-source revenue both partially and simultaneously on the financial performance of regencies/cities in Central Sulawesi Province for the period 2018–2023. A quantitative approach with a descriptive-causal design was employed. The sample consisted of 13 regencies/cities selected using a saturated sampling technique. Data were obtained from the audited Local Government Financial Reports (LKPD) issued by the Audit Board of Indonesia (BPK) for the period 2018–2023, resulting in a total of 78 observations. The data analysis is conducted using panel data regression, assisted by Eviews 12 software. The results indicate that the three variables simultaneously have a significant effect on regional financial performance. Partially, financial dependence and financial independence have a significant effect on regional financial performance, whereas the effectiveness of local own-source revenue does not show a significant effect. These findings contribute to regional fiscal policy making by highlighting the importance of enhancing financial management strategies, particularly in reducing dependence on central government transfers and strengthening financial independence. Efforts such as optimizing local own-source revenue and improving public spending efficiency should be prioritized to enhance regional financial performance.
The influence of financial technology, social environment, and financial attitudes on the financial behavior of PSDKU UNTAD Morowali Farid, Erwan Sastrawan; Tiara; Munawarah; Rian Risendy; Nini Andriani
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.340.322-338

Abstract

Studi This study aims to determine the effect of financial technology, social environment, and financial attitudes on the financial behavior of UNTAD Morowali PSDKU students. The type of research used in the study is quantitative. The research method uses non probability sampling with purposive sampling technique. The data collection technique used a questionnaire. The population used in this study were UNTAD Morowali PSDKU students. The sample taken was 50 respondents. The data analysis technique used multiple linear regression with the help of SPSS version 25. The results showed that 1) based on the results of the F test, it shows that financial technology variables, social environment, and financial attitudes have a positive and significant effect on the financial behavior of PSDKU UNTAD Morowali students. 2) Financial technology variables have a positive and significant effect on the financial behavior of PSDKU UNTAD Morowali students 3) The social environment variable has a positive and insignificant coefficients value, which means that the social environment has no role in the financial behavior of PSDKU UNTAD Morowali students. 4) The financial attitude variable has a positive and insignificant coefficients value, which means that financial attitudes have no role in the financial behavior of PSDKU UNTAD Morowali students
Financial Literacy as a Buffer Against Behavioral Biases in Students’ Investment Decisions WARDHANA, BAGUS DWI ARTHA
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.342.339-355

Abstract

Student participation as young investors in the Indonesian capital market has increased rapidly in recent years. This phenomenon has been triggered by developments in financial technology and ease of access to investment instruments. However, this increase in participation isn't always matched by rational decision-making skills, because students are prone to various behavioral biases such as overconfidence, representativeness, fear of missing out (FOMO), disposition effect, and anchoring. This study explores the role of financial literacy in mitigating behavioral biases among economics students in investment decision-making. Using a descriptive qualitative approach, this study involved Economics students who had investment experience at Malang State University. Data was collected through semi-structured in-depth interviews and analyzed using the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The results of the study indicate that financial literacy plays an important role in reducing the impact of behavioral biases, particularly in the areas of risk management, portfolio diversification, and fundamental analysis-based decision making. However, financial literacy cannot completely eliminate the influence of strong emotional and social factors in the investment process. This study highlights the importance of financial literacy as a buffer against behavioral biases, while recommending the need for more practical and contextual financial literacy programs in higher education institutions. In addition, the findings suggest the need to integrate financial literacy into curriculum design, encourage collaboration between universities and financial regulators, and consider broader policy implications to strengthen students’ capacity for rational investment decision making
LIQUIFACTION AND ITS IMPACT ON THE COMMUNITIES IN JONOOGE VILLAGE AND SOUTH SIBALAYA VILLAGE, SIGI REGENCY Herdianti, Endang; Eko Jokolelono; Nudiatulhuda Mangun
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.344.356-371

Abstract

Natural disasters, in addition to causing physical damage and loss of life, also impact the local economy to a certain extent. Disasters can paralyze the economy by destroying infrastructure, disrupting communication networks, causing disease outbreaks, crop failures, and other causes. The purpose of this study was to determine the income of residents of Jono Oge Village and South Sibalaya Village before and after the natural disaster, to understand the shift in employment opportunities, and to determine the importance of regulations as a mitigation measure going forward. Data analysis shows that the socio-economic conditions of the community in Jono Oge Village and South Sibalaya Village have changed, meaning that before the liquefaction natural disaster, the community's socio-economic conditions were balanced and after the disaster, the community's socio-economic conditions experienced less positive changes. After the disaster, health facilities and services decreased slightly due to the disaster, the education of school-age children was hampered due to the teaching and learning process at school and the condition of community houses that were damaged and lost. The current condition after the rehabilitation phase should be like the construction of elementary schools and community health centers. The economic side after the earthquake was completely paralyzed, because all economic activities had no source of livelihood, resulting in a decrease or even loss of community income, because there was no production process running. For this reason, mitigation regulations are needed to face natural disasters in the form of earthquakes and liquefaction
The Influence of Product Quality, Trust, and Personal Selling on Customer Satisfaction in Using Products at Pegadaian Syariah Palu Plaza Nurwahyuni; Syaifullah; Fatma; Ibah Misbah; Muhammad Syahril Moharom
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.348.301-321

Abstract

This study aims to analyze the influence of product quality, trust, and personal selling on customer satisfaction at Pegadaian Syariah Palu Plaza. This study is motivated by the importance of understanding the factors that shape customer satisfaction amidst increasingly fierce competition among Islamic financial institutions. The research method used is quantitative with an associative approach. The study population includes all customers of Pegadaian Syariah Palu Plaza in 2023–2025 with a sample of 100 respondents selected through accidental sampling technique. Data were collected through questionnaires that have been tested for validity and reliability, then analyzed using multiple linear regression, t-test, F-test, and coefficient of determination (R²). The results show that product quality, trust, and personal selling have a positive and significant effect on customer satisfaction, both partially and simultaneously, with an R² value of 0.661, indicating that 66.1% of the variation in customer satisfaction is explained by these three variables, while the remainder is influenced by other factors outside this study. Theoretically, these results reinforce service marketing studies that customer satisfaction is a combination of good product quality, built trust, and effective personal selling. Practically, these findings provide a basis for Pegadaian Syariah Palu Plaza to improve service quality, build trust through transparency, and optimize personal selling communication strategies to increase customer loyalty and satisfaction.
The Influence of Digital Financial Literacy and Security on Customer Decisions in Using the Livin by Mandiri Application (A Study at Bank Mandiri KCP Donggala) Ammar; Irham Pakkawaru; Asriyana; Ikmar Masykur; nizmayavira
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.349.277-300

Abstract

The development of digital technology has changed the pattern of banking services, including the use of mobile banking applications such as Livin' by Mandiri. This application offers convenience in transactions, but customer trust in using it is inseparable from the digital financial literacy and security factors of the system offered. Digital financial literacy plays a role in helping customers understand the features, risks, and benefits of the application, while the security aspect determines the customer's sense of security in transactions. This study aims to analyze the influence of digital financial literacy and security on customer decisions in using the Livin' by Mandiri application at Bank Mandiri KCP Donggala. This study uses a quantitative approach with a survey method by distributing questionnaires to Bank Mandiri KCP Donggala customers. The study population is all customers who use the Livin' by Mandiri application, with probability sampling techniques and simple random sampling types. The data obtained were analyzed using multiple linear regression tests, T tests for partial effect testing, and F tests (ANOVA) for simultaneous effect testing with the help of SPSS software. Based on the test results, the digital financial literacy variable (X1) has a positive and significant partial effect on customer decisions with a Tcount value of 2.416 > Ttable 1.985 and a significance of 0.018 < 0.05. The security variable (X2) also has a positive and significant partial effect with a Tcount value of 3.683 > Ttable 1.985 and a significance of 0.000 < 0.05. Simultaneously, digital financial literacy and security have a significant effect on customer decisions with a significance value of 0.000 < 0.05 and Fcount 29.334 > Ftable 3.09. This proves that digital financial literacy and security are important factors in customer decision making to use Livin by Mandiri
The Impact of Human Development Index on Poverty Rates in Indonesia: Panel Data Analysis of 34 Provinces, 2015-2023 Dede Arseyani pratamasyari; Irham pakawaru; Nuriatullah; Noor Riefma Hidayah; Rizki Amalia
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.358.372-388

Abstract

Poverty remains a critical development challenge in Indonesia despite significant economic growth over the past decades. This study examines the impact of Human Development Index (HDI) on poverty rates across 34 Indonesian provinces during 2015-2023. Using balanced panel data regression with fixed effects model (selected through Chow, Hausman, and Lagrange Multiplier tests), we analyze how HDI, GDP per capita, and open unemployment rate affect poverty levels. The sample comprises 306 observations (34 provinces × 9 years) sourced from Statistics Indonesia (BPS). Results indicate that HDI has a significant negative effect on poverty (coefficient: -0.0487, p<0.01), suggesting that a 10-point increase in HDI reduces poverty by approximately 0.49 percentage points. GDP per capita shows a stronger elasticity (coefficient: -0.5623, p<0.01), with 1% increase in GDP per capita reducing poverty by 0.562 percentage points. The open unemployment rate exhibits a positive but marginally significant relationship with poverty (coefficient: 0.0876, p<0.10). The fixed effects model explains 74.2% of poverty variation (R² = 0.742), indicating that human capital development through HDI improvements is crucial for sustainable poverty reduction. Policy recommendations include enhancing education quality, expanding health services coverage, promoting inclusive economic growth, and creating productive employment opportunities. This study contributes to the literature by providing comprehensive evidence from the post-pandemic period and quantified elasticities useful for poverty reduction policy simulation.
Board Gender and Educational Diversity on Financial Stability In Indonesia’s Islamic Bank Awaliyah, Nurul Qalbi; Wahyudi, Eko Albar; Pakawaru, Irham; Sapruddin
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.359.212-233

Abstract

This study examines the effect of three dimensions: gender, educational level, and educational specialization on the board of directors (BOD) and sharia supervisory board (SSB) in Islamic banks’ financial stability. Data from 13 Islamic commercial banks in Indonesia (2015-2023) were analyzed using panel data regression with Z-score as the stability measure. Results reveal mixed effects: gender diversity on SSB and educational level diversity on BOD negatively affect bank stability, while educational specialization diversity on SSB positively contibutes to stability. Conversely, gender diversity on BOD, educational level diversity on SSB, and educational specialization diversity on BOD show no significant effects. These findings suggest that board composition characteristics have context-specific and structure-specific implications for Islamic banking stability, with business-focused expertise in supervisory functions being particularly valuable. Management should strategically evaluate board diversity dimensions beyond mere representation to enhance governance effectiveness

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