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Jurnal Manajemen Perbankan Keuangan Nitro (JMPKN) Jl. Prof. Abdurahaman Basalamah No.101 Makassar
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Jurnal Manajemen Perbankan Keuangan Nitro
Published by IBK Nitro
ISSN : 2620780X     EISSN : 26207524     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Fokus dan Scopus pada Jurnal ini yaitu: - Manajemen Perbankan - Manajemen Keuangan - Dan Bidang lainnya yang berhubungan
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 140 Documents
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Analisis Dampak Ekonomi dan Strategi Pengembangan Wisata Kali Kembar Kabupaten Probolinggo Muh Hamzah; Adinda Medi Silvia; Anisa Nava Tidar
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 2 (2025): Volume 8, Nomor 2, July 2025
Publisher : LP2M IBK Nitro

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Abstract

This study aims to analyze the economic impact of the Kali Kembar tourist destination on the community of Gading Wetan Village, Probolinggo Regency, and to formulate sustainable development strategies. Kali Kembar, as a local ecotourism potential, has begun to attract regional visitors, yet its management remains suboptimal. The research employed a descriptive qualitative approach, with data collected through in-depth interviews, field observations, and document analysis. The findings reveal that the tourism site has brought positive economic impacts, including increased household income, the emergence of new business opportunities, and the circulation of the local economy through the informal sector. However, institutional management, infrastructure development, and promotional efforts remain key challenges. Proposed development strategies include strengthening the institutional capacity of tourism managers, enhancing facility quality and accessibility, developing attractions based on local wisdom, and fostering synergy between the village government and local entrepreneurs. This study recommends a community-based tourism development model as the primary approach to promote economic, social, and environmental sustainability in the area.
The Consumption Pattern in Islamic Perspective Between Needs, Desires, and Ethics Mallika, Raiza Pujia; Agustin, Xena Angelica; Kholmi, Masiyah
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 2 (2025): Volume 8, Nomor 2, July 2025
Publisher : LP2M IBK Nitro

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This study aims to explore consumption patterns from the perspective of Islam, focusing on the distinction between needs and desires as well as the implementation of ethical consumption in daily life. Islam teaches its followers to maintain a balanced consumption pattern, where the fulfillment of basic needs is prioritized and excessive desires are controlled. This study uses a descriptive qualitative approach with library research as the main method to identify the fundamental principles of consumption in Islam, including the concepts of halal, thayyib, and wasathiyah. The findings indicate that consumption in Islam is not only determined by physical needs but also by ethical principles that prioritize individual and societal well-being. Furthermore, the challenges of globalization and the rising consumer culture in modern society can lead to consumption patterns that contradict Islamic teachings. Therefore, the application of Islamic consumption principles is crucial in addressing the phenomenon of excessive and uncontrolled consumption in today's modern era. Keywords: Consumption, Islam, Needs, Desires REFERENCES Chapra, M. U. (2000). The future of economics: An Islamic perspective. The Islamic Foundation. Dusuki, A. W., & Abozaid, A. (2007). A critical appraisal on the challenges of realizing Maqasid al-Shari’ah in Islamic banking and finance. International Journal of Economics, Management and Accounting, 15(2), 143-165. Haneef, M. A. (2005). A critical survey of Islamization of knowledge. International Institute of Islamic Thought. Hasan, Z. (2009). Islamic consumer behavior: A conceptual framework. Journal of Islamic Economics, Banking and Finance, 5(1), 1–25. Ritzer, G. (2011). The McDonaldization of society (6th ed.). SAGE Publications. Zed, M. (2004). Library research methods. Jakarta: Yayasan Obor Indonesia. Patton, M. Q. (2002). Qualitative research & evaluation methods (3rd ed.). SAGE Publications. Braun, V., & Clarke, V. (2006). Using thematic analysis in psychology. Qualitative Research in Psychology, 3(2), 77–101. Amiruddin, A. (2019). Consumption ethics in the Islamic perspective. Jakarta: Kencana. Yusanto, M., & Widjajakusuma, A. (2002). Islamic economics: Solutions for the economic problems of the ummah. Jakarta: Gema Insani Press. Fatah, A. (2015). Consumption patterns from the Islamic economic perspective. Journal of Islamic Economics, Theory and Practice, 2(9), 731–743. https://doi.org/10.20473/vol2iss20159pp731-743 Sari, D. K. (2018). Halal consumption in the Islamic perspective and its implications on Muslim consumer behavior. Journal of Islamic Economics and Business, 3(2), 89–101. Mubarok, A. (2017). Consumerism in the Islamic view: A study of the consumerist lifestyle in modern society. Journal of Islamic Economics, 3(01), 55–64.
ANALISIS PENGARUH GAYA KEPEMIMPINAN TRANSFORMASIONAL, TRANSAKSIONAL, DAN DEMOKRATIS TERHADAP KOMITMEN ORGANISASI KEPEMUDAAN PPGT DI KLASIS MAKASSAR TIMUR Aljun; Baharuddin; Agustinus
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 2 (2025): Volume 8, Nomor 2, July 2025
Publisher : LP2M IBK Nitro

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This study aims to analyze the effects of transformational, transactional, and democratic leadership styles on organizational commitment within PPGT youth organizations in the East Makassar Klasis. The study is based on the importance of leadership's role in shaping members' commitment to an organization, particularly in the context of voluntary, participatory youth organizations. The study employed a quantitative approach with a survey method. The population consisted of active PPGT members in the East Makassar Klasis, and the sample size was 100 respondents, who were selected using a random sampling technique. The instrument used was a questionnaire based on indicators of each variable. Multiple linear regression was used to analyze the data and determine the simultaneous and partial effects of each leadership style on organizational commitment. The results showed that transformational, transactional, and democratic leadership styles had a significant simultaneous effect on organizational commitment. Transformational leadership style was found to be partially significant to organizational commitment. Democratic leadership style was also found to affect organizational commitment, while transactional leadership style was found to have a lower, yet still significant, effect
ANALISIS FUNDAMENTAL PERBANDINGAN HARGA SAHAM BBRI DAN BBCA DI INDONESIA TERHADAP ISU KEBIJAKAN KENAIKAN TARIF TRUMP Yulianti, Veronika; Hari , Aloysius Hari Kristianto; Dedy, Dedy
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 2 (2025): Volume 8, Nomor 2, July 2025
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Abstract

The trade war started with the policies of Donald Trump's presidential administration. The current political situation can affect stock returns, as well as economic policies that can affect stock price movements. This research is a quantitative study that has the purpose of this study to observe banking stocks by comparing stock prices whether it affects BBRI and BBCA after the trump tariff policy. The research method used is descriptive quantitative method as a research approach. The calculation for data analysis techniques uses fundamental analysis by observing the comparison of standard deviation, income statement, balance sheet, and cash flow. Data sources were obtained from stockbit.com. in this study the value of BBRI and BBCA shares is still within the average value of 4000 & 8000, meaning that as an investor this stock is worth buying. Keywords: trade war, United States, imports, Donald Trump, and banking
ANALISIS PELAKSANAAN AKAD ISTISHNA' USAHA JUAL BELI LEMARI ALUMINIUM DALAM MENINGKATKAN KEPUASAN PELANGGAN (Studi Pada Toko Edi Aluminium Desa Lamurukung Kec. Tellu Siattingge) Ramadhani, Eliya; Haslindah; Sitti Nikmah
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 3 (2025): Vol. 1 No. 3 (2025): Special Volume for International Collaboration
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v1i3.723

Abstract

This study aims to analyze the implementation of the istishna' contract in the aluminum cabinet buying and selling business and its impact on customer satisfaction at the Edi Aluminum Store in Lamurukung Village, Tellu Siattinge District. The research method used is a qualitative approach with data collection techniques through interviews, observation, and documentation. The results of the study indicate that the implementation of the istishna' contract in this store has been carried out in accordance with sharia principles, marked by an agreement between the seller and customer regarding the specifications of the goods, price, and completion time. Although the contract is carried out verbally, proof of the transaction is still available and is a form of responsibility of the seller for the order. The production process runs according to the agreement, and the quality of the product meets customer expectations. This has positive implications for high levels of customer satisfaction, reflected in the desire to reorder and provide recommendations to others. This study is expected to be a reference for business actors in implementing the istishna' contract as a strategy to increase customer satisfaction in sharia-based businesses
THE EFFECT OF DIGITAL SERVICES ON PENSION PARTICIPANTS' SATISFACTION WITH USER EXPERIENCE AND PERCEIVED VALUE AS MEDIATING VARIABLES AT PT ASABRI (Persero) PALU BRANCH. Maryanita, Maryanita; Razak, Mashur; Anshar, Ashary
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 3 (2025): Vol. 1 No. 3 (2025): Special Volume for International Collaboration
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This study aims to examine the effect of digital services on pension participants' satisfaction with user experience and perceived value as mediating variables at PT ASABRI (Persero) Palu Branch. The research was conducted over one month, from May to June 2025. The population in this study includes all pension recipients at PT ASABRI Palu Branch, while the sample consists of 100 respondents selected using the Slovin method. Data analysis was carried out using the Smart PLS method. The results of this study indicate that (1) Digital Services have a positive and significant effect on Participant Satisfaction, (2) Digital Services have a positive and significant effect on User Experience, (3) Digital Services have a positive and significant effect on Perceived Value, (4) User Experience has a positive and significant effect on Participant Satisfaction, (5) Perceived Value has a positive and significant effect on Participant Satisfaction, (6) Digital Services have a positive and significant effect on Participant Satisfaction through User Experience, and (7) Digital Services have a positive and significant effect on Participant Satisfaction through Perceived Value.
FAKTOR – FAKTOR PENENTU KINERJA KEUANGAN PADA PERUSAHAAN SEKTOR ENERGI BURSA EFEK INDONESIA PERIODE 2021 – 2023 Wijaya, Melki; Dwi Aristi, Mentari; Hetri Suriyanti, Linda
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 2 (2025): Volume 8, Nomor 2, July 2025
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v8i2.729

Abstract

This study examines the influence of institutional ownership, independent commissioners, company size, and company growth on the financial performance of energy companies listed on the Indonesia Stock Exchange from 2021 to 2023. The sample selection technique used purposive sampling, which is based on criteria, with 42 companies selected using secondary data. The analytical method used was multiple linear regression analysis using SPSS version 23. The results of this study indicate that institutional ownership has an effect on financial performance, independent commissioners have no effect on financial performance, company size has no effect on financial performance, and company growth has an effect on financial performance.
PENGARUH CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN, DAN LOAN DEPOSIT RATIO TERHADAP RETURN ON ASSET PADA PT. BANK MANDIRI (PERSERO) TBK. DAN ENTITAS ANAK PERIODE 2015-2024 Khoiriyah , Wihdatul; Tohari, Amin; Sri Widiawati , Hestin
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 2 (2025): Volume 8, Nomor 2, July 2025
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This research aims to analyze the effect of Capital Adequacy Ratio, Non Performing Loan, and Loan Deposit Ratio on Retrun On Asset at PT. Bank Mandiri Tbk. and Subsidiaries for the period 2015-2024. This type of research is quantitative research with a comparative causal approach. The subjects studied were PT. Bank Mandiri Tbk. and Subsidiaries. The objects used were quarterly financial report data from PT. Bank Mandiri Tbk. and Subsidiaries for 10 years, namely from 2015-2024 and 40 data were obtained. The data analysis techniques used are descriptive statistics and multiple linear regression analysis. Data processing used SPSS Software version 30. The results showed that partially Capital Adequacy Ratio and Non Performing Loan had a significant effect on Retrun On Asset, while Loan Deposit Ratio did not have a significant effect on Return On Assets. Simultaneously Capital Adequacy Ratio, Non Performing Loan, and Loan Deposit Ratio had a significant effect on Return On Assets.
The DIGITALISASI PERBANKAN TERHADAP KINERJA BANK : TINJAUAN SISTEMATIS DAN ANALISIS BIBLIOMETRIK Husnaningtyas, Nadia
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 4 (2025): Special Volume for International Collaboration
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Digital transformation has revolutionized global banking, enhancing efficiency, innovation, and customer experience. This study examines digital technology's impact on banking performance through a Systematic Literature Review (SLR) of 108 Scopus articles (2019–2025). Findings show digitally mature banks achieve 1.0–1.5% higher ROA, 10–15% lower cost-to-income ratios, and 15–25% fee-based revenue from digital services. Challenges include infrastructure gaps (40% rural areas lack internet), cyber risks (60–70% attack surge), and skill shortages (1.2 million professionals needed by 2025). Bibliometric analysis reveals three clusters: financial impacts, adoption drivers, and market-specific contexts (e.g., Islamic banking). The study offers an integrated impact model and practical transformation roadmap for banks.
THE EFFECT OF ENTREPRENEURIAL LEADERSHIP ON MSME PERFORMANCE THROUGH ENTREPRENEURIAL ORIENTATION AND TEAM CREATIVITY (A Study on Aluminium Craftsmen in Genuk, Semarang) Muhammad Fauzil Adhim; Sumiati, Siti
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 4 (2025): Special Volume for International Collaboration
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This study aims to analyze the effect of entrepreneurial leadership on the performance of MSMEs, with entrepreneurial orientation and team creativity as mediating variables. The research was conducted on aluminum craft MSMEs in Genuk District, Semarang, using a quantitative approach through a survey of 84 respondents. Data analysis techniques include classical assumption tests, path analysis, and the Sobel test using SPSS 25. The results show that entrepreneurial leadership significantly affects MSME performance, both directly and through the mediation of entrepreneurial orientation and team creativity. The implication of this study emphasizes the importance of developing innovation-based leadership and team collaboration in enhancing the sustainable competitiveness of MSMEs. These findings also enrich the literature on entrepreneurial management in the context of small businesses in Indonesia.

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