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All Journal ATESTASI : Jurnal Ilmiah Akuntansi POINT Al-Buhuts (e-journal) Journal of Government Insight JAQ E-Amal: Jurnal Pengabdian Kepada Masyarakat
Mustafa Mustafa
Universitas Muslim Maros
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Health Professions Social Sciences

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Causality of Credit Distribution in Indonesian Banking Mustafa Mustafa; Muhammad Nurjaya; Muhammad Fachmi
Atestasi : Jurnal Ilmiah Akuntansi Vol. 5 No. 1 (2022): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to examine the effect of third-party funds, Capital Adequacy Ratio (CAR), return on assets (ROA), Operating Expenses on Operating Income (BOPO), and NPL (Non-Performing Loans) on Credit Distribution to commercial banks listed on the Stock Exchange. Indonesian Securities for the period 2018-2021. The type of research used in this research is associative research. Associative research is research to know the relationship between two or more variables. Thus, Dabat builds a theory that functions to predict and control a phenomenon. The researcher explains whether TPF, CAR, ROA, BOPO, NPL, and Credit Distribution in this study. The population of this study is the banking sector companies listed on the Indonesia Stock Exchange, as many as 42 banks. The sample selection method used is purposive sampling. So the total sampled is 120 samples. The data were analyzed using multiple linear regression analysis with the Ordinary Least Square model using the Eviews Version 12 software. The results of this study found that Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Return on Assets (ROA) had a positive and significant effect on Credit Distribution to banking companies listed on the Indonesia Stock Exchange (IDX). Meanwhile, Operating Expenses on Operating Income (BOPO) and NPL (Non-Performing Loans) have a negative and significant effect on Credit Distribution to banking companies listed on the Indonesia Stock Exchange (IDX).
Pengaruh Sosiodemografi Dan Literasi Keuangan Terhadap Keputusan Investasi Pada Generasi Milenial Hartina Hartina; Mustafa Mustafa; Ummul Khair
POINT: Jurnal Ekonomi dan Manajemen Vol 4 No 2 (2022): POINT JURNAL
Publisher : Program Studi Manajemen Universitas Muslim Maros

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46918/point.v4i2.1611

Abstract

Fenomena dalam penelitian ini yaitu masyarakat terutama generasi milenial yang kadang memiliki paham awam dan masih muda terpengaruh oleh faktor lingkungan terutama dalam hal keuangan dan pengambilan keputusan yang singkat guna mengikuti gaya hidup yang modern dari masa ke masa sehingga menyebabkan generasi tersebut sulit menyeimbangkan antara kebutuhan dan keinginan yang mengakibatkan ekonominya tidak terkontrol. Adapun tujuan dari penulisan skripsi ini yaitu: 1) Untuk mengetahui apakah sosiodemografi mempengaruhi keputusan investasi pada generasi milenial. 2) Untuk mengetahui apakah literasi keuangan mempengaruhi keputusan investasi pada generasi milenial. 3) Untuk mengetahui apakah sosiodemografi dan literasi keuangan mempengaruhi keputusan investasi pada generasi milenial. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data berupa angka, kata-kata atau kalimat yang dikonversi menjadi data berupa angka. Jumlah sampel dalam penelitian ini sebanyak 110 generasi milenial yang ada dikabupaten maros. Adapun sumber data penelitian yaitu data primer dan sekunder, dengan metode pengumpulan data berupa kuesioner. Pengelolaan data pada penelitian menggunakan Sofware SmartPLS. Hasil penelitian menunjukkan bahwa sosiodemografi berpengaruh positif dan signifikan terhadap keputusan investasi generasi milenial, literasi keuangan berpengaruh berpengaruh positif dan signifikan terhadap keputusan investasi generasi milenial, dan sosiodemografi dan literasi keuangan berpengaruh berpengaruh positif dan signifikan terhadap keputusan investasi generasi milenial berdasarkan hasil koefisien jalur dan T-Statistik.
Implementasi Penyaluran Kredit Usaha Rakyat (KUR) Super Mikro dalam Meningkatkan Kesejahteraan Masyarakat Mustafa Mustafa; Hajar Hajar; Bakri Bakri
Al-Buhuts Vol. 18 No. 2 (2022): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v18i2.3302

Abstract

The purpose of this study was to find out how far the distribution of super micro people's business credit funds is in improving people's welfare. This research was conducted using a qualitative method with a phenomenological approach, the data collection technique was carried out by interviewing related parties, namely the head of the BRI unit in the province of Gorontalo. The results of the study revealed that the implementation of the People's Business Credit Program at BRI units in the community has been going well where the down payment is <10,000,000 with a loan fee of 6%, by visiting from door to door directly, can strengthen the community's economy in developing their business.
Causality of Credit Distribution in Indonesian Banking Mustafa Mustafa; Muhammad Nurjaya; Muhammad Fachmi
Atestasi : Jurnal Ilmiah Akuntansi Vol. 5 No. 1 (2022): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/atestasi.v5i1.192

Abstract

This study aims to examine the effect of third-party funds, Capital Adequacy Ratio (CAR), return on assets (ROA), Operating Expenses on Operating Income (BOPO), and NPL (Non-Performing Loans) on Credit Distribution to commercial banks listed on the Stock Exchange. Indonesian Securities for the period 2018-2021. The type of research used in this research is associative research. Associative research is research to know the relationship between two or more variables. Thus, Dabat builds a theory that functions to predict and control a phenomenon. The researcher explains whether TPF, CAR, ROA, BOPO, NPL, and Credit Distribution in this study. The population of this study is the banking sector companies listed on the Indonesia Stock Exchange, as many as 42 banks. The sample selection method used is purposive sampling. So the total sampled is 120 samples. The data were analyzed using multiple linear regression analysis with the Ordinary Least Square model using the Eviews Version 12 software. The results of this study found that Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Return on Assets (ROA) had a positive and significant effect on Credit Distribution to banking companies listed on the Indonesia Stock Exchange (IDX). Meanwhile, Operating Expenses on Operating Income (BOPO) and NPL (Non-Performing Loans) have a negative and significant effect on Credit Distribution to banking companies listed on the Indonesia Stock Exchange (IDX).
Pengaruh Profesionalisme Kerja dan Kompetensi Auditor, terhadap Kualitas Audit Inspektorat Provinsi Sulawesi Barat Syamsul Bakhtiar Ass; Mustafa Mustafa; Hajar Hajar
Al-Buhuts Vol. 19 No. 1 (2023): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i1.3645

Abstract

Abstract This research was conducted to determine the effect of work professionalism and auditor competence on audit quality. using primary data through a questionnaire of 52 respondents, the determination of respondents using a purposive sampling technique consisting of auditors and Supervisors for the Implementation of Regional Government Affairs (PPUPD). Data were analyzed using the SPSS 25 program. The results showed that: (1) Work professionalism has a positive and significant effect on audit quality in the inspectorate of West Sulawesi Province; (2) Auditor competence has a positive and significant effect on audit quality at the inspectorate of West Sulawesi Province; (3) Work professionalism and auditor competence simultaneously have a positive and significant effect on audit quality in the inspectorate of West Sulawesi Province
Pengaruh Gaya Kepemimpinan Terhadap Kinerja Koperasi Karyawan PT. Semen Bosowa Maros Muhammad Nurjaya; Mustafa Mustafa; Tasmin Tanggareng; Adi Nawir
Journal of Government Insight Vol. 2 No. 1 (2022): Juni 2022
Publisher : Program Studi Ilmu Pemerintahan Fakultas Ilmu Sosial dan Ilmu Politik Universitas Muhammadiyah Sinjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47030/jgi.v2i1.388

Abstract

This paper aims to determine how the influence of leadership style on the performance of the cooperative employees of PT. Bosowa Maros Cement. This study uses quantitative analysis methods, the population in this study are employees of the cooperative PT. Bosowa Maros Cement. The number of samples used as respondents in this study were 36 respondents. Based on the results of the calculation of the correlation coefficient, obtained by 0.56. By looking at the results and the guideline table for the interpretation of the correlation coefficient, it can be concluded that there is a fairly good relationship between leadership style and the performance of the cooperative employees of PT. Semen Bosowa Maros, because it is in the correlation coefficient interval of 0.40-0.599 (good enough) which is 0.56. The calculation of the coefficient of determination shows that the influence of leadership style on the performance of the cooperative employees of PT. Semen Bosowa Maros by 31%. While 69% is influenced by other factors not examined in this study. Based on the calculation of the t test, it gets a value of 10,408. While the t table is 3.601. Because t count is greater than t table. Then the leadership style (X) has a significant effect on the performance of the cooperative employees of PT. Bosowa Maros Cement
MENAKAR KEMAMPUAN BERDESA DENGAN INDEKS PEMBANGUNAN DESA DI KABUPATEN MAROS Muhammad Nurjaya; Mustafa Mustafa
Al Qisthi Jurnal Sosial dan Politik VOLUME 11 NOMOR 2, 2021
Publisher : Program Studi Ilmu Pemerintahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1357.844 KB) | DOI: 10.47030/aq.v11i2.70

Abstract

Kajian Menakar Kemampuan Berdesa dengan Indeks Pembangunan Desa di Kabupaten Maros, disusun oleh Muhammad Nurjaya dan Mustafa Tujuan kajian adalah Mengevaluasi kondisi existing perkembangan desa di Kabupaten Maros dan menjadi bahan masukan bagi seluruh stakeholder dalam merumuskan perencanaan pembangunan desa. Metode penelitian ini dengan menggunakan pendekatan Mix Mhetod  kombinasi antara pendekatan kualitatif dengan pendekatan kuantitatif yakni dengan melakukan analisis terhadap kondisi existing yang ada sekarang serta menyusun strategi dan kebijakan di masa mendatang, juga dilakukan teknik analisis konten terhadap peraturan perundang-undangan yang telah ada dan relevan dengan kajian ini. Kombinasi analisis data ini dilakukan untuk mendapatkan hasil kajian yang lebih komprehensif mengenai menakar kemampuan berdesa di Kabupaten Maros. Hasil penelitian ini menunjukkan bahwa jumlah desa tertinggal di Kabupaten Maros sebanyak 6 desa sedangkan desa berkembang sebanyak 69 desa sedangkan desa mandiri sebanyak 5 desa dengan total desa yang ada di Kabupaten Maros 80 Desa. Dimensi yang digunakan untuk melihat status desa di Kabupaten Maros memiliki kondisi yang tidak merata dengan persentase tertinggi pada dimensi aksesbilitas/transportasi 83.00%, penyelenggaraan pemerintahan 72.69%, pelayanan dasar 65.27%, pelayanan umum 52,77% serta yang paling rendah adalah kondisi infrastruktur 51.00%
Analisis Pemberdayaan Koperasi di Kabupaten Maros Muhammad Nurjaya; Syamsul Bakhtiar Ass; Bohari Bohari; Mustafa Mustafa
POINT: Jurnal Ekonomi dan Manajemen Vol 5 No 2 (2023): POINT JURNAL
Publisher : Program Studi Manajemen Universitas Muslim Maros

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46918/point.v5i2.2096

Abstract

Penelitian ini menkaji terkait Analisis Pemberdayaan Koperasi di Kabupaten Maros. Metode yang digunakan adalah metode pendekatan yuridis empiris dan yuridis normatif dilakukan dengan menelaah data primer sebagai penunjang dan untuk mengkonfirmasi data sekunder yang diperoleh dengan mengadakan Focus Group Discussion (FGD), public hearing, kunjungan kerja, dan konsultasi ke instansi terkait bersama para pemangku kepentingan terutama yang menyangkut dalam hal pemberian kemudahan, perlindungan dan pemberdayaan koperasi. Hasil penelitian ini menunjukkan bahwa peran pemerintah daerah, masyarakat dan dunia usaha belum bersinergi secara ideal dalam rangka mewujudkan lembaga koperasi, usaha mikro, kecil dan menengah yang berdaya saing, memiliki kemandirian dalam berbagai aspek, sehingga dengan lahirnya Peraturan Daerah ini akan menjadi dasar hukum yang memberikan pedoman dalam pemberian kemudahan, perlindungan dan pemberdayaan koperasi di Kabupaten Maros
Strategi meningkatkan daya saing daerah dengan pendekatan Smart City di Kabupaten Maros Muhammad Nurjaya; Mustafa Mustafa; bohari bohari
POINT: Jurnal Ekonomi dan Manajemen Vol 6 No 1 (2024): POINT JURNAL
Publisher : Program Studi Manajemen Universitas Muslim Maros

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46918/point.v6i1.2253

Abstract

Penelitian ini mengkaji terkait strategi meningkatkan daya saing daerah dengan pendekatan Smart City di Kabupaten Maros disusun oleh Muhammad Nurjaya, Mustafa dan Bohari. Metode penelitian yang digunakan adalah kualitatif dengan Metode pendekatan Yuridis Empiris dan Yuridis Normatif dilakukan dengan menelaah data primer sebagai penunjang dan untuk mengkonfirmasi data sekunder yang diperoleh dengan mengadakan Focus Group Discussion (FGD), public hearing, kunjungan kerja, dan konsultasi ke instansi terkait bersama para pemangku kepentingan terutama yang menyangkut dalam hal inplementasi Smart City di Kabupaten Maros. Hasil penelitian menunjukan bahwa pemerintah daerah telah menerapkan strategi meningkatkan daya saiang daerah dengan pendekatan Smart City di Kabupaten Maros yaitu dengan tata kelola birokrasi yang efisien dan efektif (Smart Governance), permukiman penduduk yang layak dan terjangkau oleh semua kalangan (Smart Living), lingkungan masyarakat yang bersih dan sehat (Smart Society), pertumbuhan ekonomi melalui kebijakan dan pengeambangan ekonomi dengan pemberdayaan UMKM (Smart Economy), citra kota/daerah dengan berbagai kelebihan dari aspek pariwisata yang dimiliki oleh Kabupaten Maros (Smart Branding), dan pemeliharaan lingkungan berbasis masyarakat dengan semangat gotong royong (Smart Environment).
OPTIMALISASI MANAJEMEN SAMPAH DI KOTA BIMA DALAM MEWUJUDKAN LINGKUNGAN YANG BERSIH DAN SEHAT Zulharman Zulharman; Mustafa Mustafa; Ramdan Yusuf; Tamrin Fathoni; Achmad Abdul Azis
E-Amal: Jurnal Pengabdian Kepada Masyarakat Vol 3 No 3: September-Desember 2023
Publisher : LP2M STP Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47492/eamal.v3i3.2824

Abstract

Bima City in Creating a Clean and Healthy Environment. In implementing this service, the ABCD (Asset-Based Community Development) method is the main basis that prioritizes the potential and assets that exist in the community as a starting point for developing a sustainable waste management program. The approach applied is participatory, enabling collaboration between communities, local governments, and other stakeholders in identifying relevant problems and assets related to waste management. Various data collection techniques were used, including interviews, surveys, observations, and focus group discussions, with the main data sources coming from the local community, local government, and related literature references. This approach aims to explore the potential that exists in society and encourage active participation in formulating sustainable solutions related to waste. The research results show that optimizing waste management in Bima City, NTB, requires integrated efforts, including separate waste collection, education, and strict regulations. Implementation of these efforts can produce a cleaner and healthier environment, increase income and environmental awareness, and maintain a balance between current and future needs
Co-Authors Achmad Abdul Azis Adi Nawir Bakri Bakri Bohari Bohari Hajar Hajar Hartina Hartina Muhammad Fachmi Muhammad Nurjaya Ramdan Yusuf Syamsul Bakhtiar Ass Tamrin Fathoni Tasmin Tanggareng Ummul Khair Zulharman Zulharman