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Nur Sandi Marsuni
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Balance: Jurnal Ekonomi
Published by Universitas Muhammadiyah Makassar
ISSN : 18582192     EISSN : 26865467     DOI : 10.26618/jeb
Core Subject : Economy,
Economics, Econometrics & Finance
Balance: Jurnal Ekonomi has p-ISSN 1858-2192 and e-ISSN 2686-5467 published by the Development Economics Study Program of the Faculty of Economics and Business, Muhammadiyah University of Makassar, this journal publishes research articles in the field of Economics. This journal publishes research studies that use various qualitative and/or quantitative methods and approaches in the field of Economics. This journal aims to develop concepts, theories, perspectives, paradigms, and methodologies in the scope of Economics published twice a year, namely June and December. The scope of Balance: Journal of Economics covers Economics and Development, Economic Behavior, Islamic Economic System, International Economy as well as applied sciences of Statistical Economics, Macro and Micro. Article submissions are made using the Balance: Jurnal Ekonomi template accompanied by supporting documents in the form of: a statement of authorship, ethics, and a copyright statement, which can be downloaded on the main page of the Balance: Jurnal Ekonomi website. Balance: Jurnal Ekonomi has been single-reviewed by peer reviewers. The decision to accept or not accept scientific articles in this journal is the right of the Editorial Board based on recommendations from peer reviewers.
Arjuna Subject : -
Articles 375 Documents
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Implementation of the Integrated Village Economic Transformation Program (TEKAD) in Efforts to Develop Village Potential and Community Empowerment Jehuma, Blasius Febri; Pellokila, Marthen Robhinson; Tiwu, Maria Indriyani Hawe
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.13595

Abstract

This study explores the implementation of the TEKAD Integrated Village Economic Transformation program to enhance village potential and community empowerment in Bea Kakor Village. Employing the Analytical Hierarchy Process (AHP) and Descriptive Analysis, the research identifies key factors crucial to the TEKAD program's success. The prioritized aspects, in descending order, are human resources, infrastructure, natural resources, and institutions. In the contemporary context, many villages struggle to unlock their potential due to historical centralistic development models, resulting in untapped resources and limited creativity. In response, the TEKAD program, initiated under Presidential Regulation No. 3 of 2016, aims to empower rural communities and boost economic development through active community involvement. The study focuses on Bea Kakor Village within the TEKAD program in East Nusa Tenggara, highlighting the pivotal role of human resources, infrastructure, and natural resources. The research utilizes the AHP method to prioritize these factors, emphasizing the significance of human resources in driving economic growth. The findings provide valuable insights for policymakers and community leaders to enhance the effectiveness of TEKAD and similar programs in fostering sustainable development and inclusive economic growth.
Analysis of M-Banking Service Factors on Customer Satisfaction at Indonesian Sharia Banks Kc Mamuju Mandasari, Puti; Muhammadun, Muzdalifah; Semaun, Syahriyah; Aminah, St; S, Andi Bahri
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.13959

Abstract

Business competition in the banking sector is now increasingly fierce, both in domestic and international markets. The quality of customer service is the main key for banking companies to maintain customer trust and satisfaction. In providing optimal service, the bank integrates technology through Mobile Banking (m-banking) services to meet customer needs. This research aims to evaluate the influence of various aspects of m-banking, such as system security, company credibility, ease of use, and speed on customer satisfaction at Bank Syariah Indonesia KC Mamuju. Quantitative research methods were used by collecting data through questionnaires to 94 respondents. The research results show that the variables of system security, company credibility, and m-banking speed positively influence customer satisfaction, with a joint influence reaching 56.4%. Multiple linear regression analysis shows that system security (X1), company credibility (X3), and speed (X4) have a significant positive influence on customer satisfaction (Y). The resulting regression equation is Y = 2.624 + 0.227 X1 + 0.211 X3 + 0.407 X4 + e. Thus, it can be concluded that the higher the quality of m-banking services, the greater customer satisfaction at Bank Syariah Indonesia KC Mamuju will increase. However, there were 2% complaints, indicating that improvements are still needed to improve the m-banking user experience.
Analysis of the Implementation of the Syirkah Contract on Nia Fiqih Muamalah Cake from the Perspective of Gowa Regency, South Sulawesi Province Mumtihani, Andi Fakhriyah; Wahab, Abdul; Kara, Muslimin
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.13973

Abstract

The research investigates the implementation of the syirkah contract at Nia Cake in Gowa Regency, South Sulawesi, focusing on its mechanisms, obstacles, and perspectives from muamalah fiqh. Using a qualitative descriptive approach, data was collected through observations, interviews with managers and capital providers, and documentation from Islamic economics experts. Primary data stemmed from field research, while secondary data supported the findings. The study reveals that the syirkah contract begins with both oral and written agreements. The manager educates capital owners about the contract, agreeing on a 50% profit-sharing model, with losses shared equally. All terms are documented in a formal investment agreement. Trust is emphasized as a core principle among partners. From the muamalah fiqh perspective, two types of contracts are utilized: syirkah mudharabah and syirkah inan, both compliant with sharia law. However, challenges persist in educating potential non-Muslim investors about syirkah concepts and finding suitable capital providers. Additionally, the absence of a halal certificate for products complicates matters. The implications of this research suggest that it enhances understanding of syirkah mechanisms within small and medium enterprises (SMEs) and offers practical recommendations for businesses to adopt syirkah contracts to improve access to capital and foster economic growth while raising awareness of Islamic economic principles.
Micro, Small and Medium Enterprise Strategies for Women in Facing Competition in Bacukiki District, Parepare City Dewintara, Eka; Aminah, St.; Semaun, Syahriyah; Muliati, Muliati; S, Andi Bahri
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.14021

Abstract

This research discusses the strategies of women's micro, small and medium enterprises in facing competition in Bacukiki sub-district, Parepare city. This research is descriptive qualitative research with a type of field research, phenomenological research approach. The main problem in this research is how women's micro, small and medium enterprises face competition in Bacukiki sub-district, Parepare city. It was found that women in micro, small and medium enterprises in the Bacukiki subdistrict of Parepare city had high motivation in running their businesses. It can be seen that women run businesses because of their hobbies, dreams of owning a business and becoming successful entrepreneurs and wanting to help the family economically. The steps taken by women so that their business continues to run as desired are that they carry out regular evaluations, both monthly and weekly evaluations, then seek more knowledge about the business they are running so that their business can develop further, and they determine their target market, carry out planning and provide promotions or discounts to consumers.
The Influence of Price and Service Quality on Purchasing Decisions of Bhinneka PGRI University Economics Study Program Students on the Shopee E-Commerce Platform Usbaniyah, Fitria; Hastuti, Maria Agatha Sri Widyanti
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.14161

Abstract

This research aims to determine the influence of price on purchasing decisions, determine the influence of service quality on purchasing decisions, and to determine the influence of price and service quality on purchasing decisions of students of the Bhinneka PGRI University Economic Education Study Program on the Shopee e-commerce platform. Based on the research method, this research is a type of descriptive quantitative research with a non-experimental approach. This research consists of 2 (two) independent variables, namely price (X1) and service quality (X2), and 1 (one) dependent variable, namely purchasing decisions (Y). The population in this study was all students of the VII semester Economic Education Study Program, totaling 89 students, while the total sample in this study was 89 students. Samples were taken using the Purposive Random Sampling sampling technique. The object of this research is purchasing decisions among students of the Economic Education Study Program at Bhinneka PGRI University. The data collection method in this research is in the form of a questionnaire which is used to search for price data (X1), service quality (X2), and purchasing decisions (Y). The data analysis technique used is multiple linear regression analysis.
The Influence of Regional Original Income and Balanced Funds on Capital Expenditure and Community Welfare Arif, Supriadi; Mallongi, Syahrir; Selong, Abbas
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.14562

Abstract

This study examines the influence of Regional Original Income (ROI) and Balancing Funds (BF) on Capital Expenditure (CE) and Community Welfare (CW) in Makassar City, South Sulawesi Province. Using secondary data from the BPS covering the period from 2014 to 2023, the research applies quantitative methods, including multiple linear regression and hypothesis testing, to analyze the relationships between these variables. The findings indicate that ROI significantly and positively impacts CW, suggesting that higher ROI contributes to improved community welfare. In contrast, BF and CE do not show significant effects on CW within the observed timeframe. This result highlights the critical role of ROI in driving community welfare improvements, emphasizing the need for effective financial management and strategic planning by regional governments. The study underscores the importance of the prudent allocation of regional funds to optimize public services and infrastructure development, which are essential for enhancing overall welfare. It also points out that simply increasing BF or CE without targeted strategies may not yield substantial benefits for community welfare. To achieve a more comprehensive understanding of the factors affecting CW, further research is suggested. Expanding the scope of analysis and including additional variables, such as education, healthcare, and private investment, could provide a deeper insight into the complex dynamics influencing welfare. These findings are expected to guide policymakers in formulating strategies to foster sustainable regional development.
Analysis of PAD, Investment, and Transfer Funds on Public Spending and Economic Growth in East Java Ma’ruf, Muhammad; Sumarsono, Hadi
Jurnal Ekonomi Balance Vol. 20 No. 1 (2024): June 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i1.15024

Abstract

Economic growth is measured through various indicators that can depict the economy of a region. The purpose of this research is to seek knowledge about the influence of regional original income (PAD), investment, and transfer funds on public expenditure, as well as the economic development of East Java for the period 2017-2021. The method used is quantitative descriptive, and path analysis is employed on panel data. The research is conducted using secondary data obtained from the Ministry of Finance and BKPM, which includes time series data for the period 2017 to 2021 and cross-sectional data consisting of 38 cities/districts, hence referred to as panel data. The results of the research indicate that the variables of regional original income (PAD) and transfer funds have a significant influence on public spending. However, the investment variable does not have a significant impact on public expenditure. Regional original income and investment have a significant impact on economic growth. On the other hand, public spending and transfer funds do not significantly affect economic growth.
Analysis of Labour Market Inequality and Income Welfare: An Economic Comparative Study Graph between North Sumatra and West Sumatra Provinces Noer, Muhammad Raihan; Febrianti, Gita; Sinaga, Era Widia Br; Nafisha, Nadya; Hutabalian, Relli Anisma; Nasution, Putri Andini; Nasution, Armin Rahmansyah
Jurnal Ekonomi Balance Vol. 20 No. 1 (2024): June 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i1.15026

Abstract

The analysis of inequality in labour and income welfare aims to determine how much inequality occurs in the labour market and income between North Sumatra Province and West Sumatra Province. The method in data collection uses secondary method by obtaining data through the Central Bureau of Statistics (BPS). Data analysis is explained through descriptions measured through 1) Expert labour index. 2) Skilled labour index. 3) Human development index. 4) Productive age worker index. 5) Net income index. This research results in inequality that. 1) West Sumatra Province has higher inequality than North Sumatra Province in Expert Labour. 2) West Sumatra Province has more skilled labour than North Sumatra Province. 3) West Sumatera Province dominates the Human Development Index more than North Sumatera Province. 4) The Productive Age Worker Index is more in North Sumatra Province than West Sumatra Province with the inequality value dominating superior.5) The Net Income Index in North Sumatra Province is superior to West Sumatra Province. Researchers suggest the government to be more responsive related to inequality and community welfare, especially in direct policies.
The Influence of Education on the Human Development Index (Ipm) In Makassar City Jam'an, Andi; Warda, Warda; Wulandari, Syarifah As Zahrah
Jurnal Ekonomi Balance Vol. 20 No. 1 (2024): June 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i1.15095

Abstract

This research aims to find out how much influence education has on the Human Development Index (HDI) in Makassar City. The research carried out was a type of quantitative research, using secondary data related to education and HDI in Makassar City during the 2012-2022 period. The research results show that education has a positive and significant influence on HDI in Makassar City. This is proven through the results of data processing which shows the education variable coefficient is 3.586 with a significance value of 0.000 which is smaller than 0.05 (0.000 < 0.05). In other words, education significantly influences the increase in HDI in Makassar City. These findings emphasize the importance of efforts to improve the education sector as one of the main strategies for improving the quality of life and welfare of the people in Makassar City. Thus, the government and stakeholders are expected to continue to prioritize investment in the education sector to encourage better development in the Human Development Index in the region
The Influence of Intellectual Capital on Company Performance with Risk Management as a Mediating Variable in Private Commercial Bank Companies Listed on the Indonesian Stock Exchange Mirtawati, Mirtawati; Laekkeng, Mursalim; Zakaria, Junaiddin
Jurnal Ekonomi Balance Vol. 20 No. 1 (2024): June 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i1.15253

Abstract

With risk management as a mediating variable, the aim of this research is to determine the impact of intellectual capital on company performance. The VAIC proxy is used to estimate intellectual capital, the BOPO proxy to estimate risk management, and the Return on Assets proxy to estimate company performance. The target population for this research is private commercial banks listed on the Indonesia Stock Exchange from 2018 to 2022. Nine private commercial banking institutions are the research sample. Path analysis was used in the data. The E-Views 12 program was used for data processing. The findings of this research show that 1) intellectual capital has a positive and significant impact on business performance. (2) Risk management is negatively and significantly influenced by intellectual capital. (3) Risk management can mediate the relationship between intellectual capital and company performance. (4) Risk management has a negative and significant effect on company performance.

Page 33 of 38 | Total Record : 375

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