The Impact of Digital Literacy and Biographical Characteristics on Employee Performance with Motivation as a Moderating Variable: A Case Study of Bank Muamalat in Palu, Indonesia

Iga Anggereani, Hilal Malarangan, Abdul Jalil — Mon, 30 Jun 2025 00:00:00 +0800

This study aims to analyze the influence of biographical and digital literacy on employee performance with motivation as a moderating variable at Bank Muamalat Kota Palu, both partially and simultaneously. Using an associative quantitative approach, this study collected primary data through observation and questionnaires. The entire population was used as a sample. Data analysis using SPSS version 24 for windows, including the classical assumption test and MRA. The results of the T test showed that the digital literacy variable had a positive and significant effect on employee performance, while biographical had no positive and insignificant effect. Motivation was not proven to moderate the influence of digital literacy characteristics or biographies on employee performance. The F test revealed that digital literacy and biographical simultaneously affected employee performance with motivation as a moderating variable. The coefficient of determination (R Square) of 0.652 indicates that the independent variable affects the dependent variable by 65.2%, while the rest is influenced by other variables not studied. This study provides valuable insight into the dynamics of factors that influence employee performance in the Islamic banking sector, especially at Bank Muamalat Kota Palu.

The Influence of Income, Religiosity, Credibility and Social Media on the Decision to Pay Zakat, Infaq and Shadaqah (Study on UPZIS of Jabal Nur Jami Mosque, Samarinda Ulu District)

Khoirotul Fatati Munirotul Jannah, Moh Mahrus, Irma Yuliani — Mon, 30 Jun 2025 21:02:58 +0800

East Kalimantan Province has considerable potential for collecting Zakat, Infaq, and Sadaqah (ZIS). To realize this potential, BAZNAS continues to optimize revenue by activating Zakat Collection Units (UPZ) within various regional government organizations and expanding the zakat collection network down to the village level. The UPZIS at Jami’ Jabal Nur Mosque in Samarinda Ulu District is one of the UPZIS units directly supervised by BAZNAS of Samarinda City. This study aims to determine the influence of income, religiosity, credibility, and social media on the decision to pay zakat, infaq, and sadaqah at the UPZIS using a quantitative associative approach. Through purposive sampling, a research sample of 91 respondents was obtained. The data were tested using multiple linear regression with SPSS VER.21. The results of the study show that income, credibility, and social media each do not have a significant partial effect, while religiosity has a significant partial effect. Simultaneously, income, religiosity, credibility, and social media were found to have a significant effect. The coefficient of determination indicates that 24.2% of the decision to pay is influenced by these four variables, while 75.8% is influenced by other factors outside the scope of this study.

Keywords: Income, Religiosity, Credibility, Social Media and Decision to Pay

Borneo Islamic Finance and Economics Journal

The Impact of Digital Literacy and Biographical Characteristics on Employee Performance with Motivation as a Moderating Variable: A Case Study of Bank Muamalat in Palu, Indonesia

The Influence of Income, Religiosity, Credibility and Social Media on the Decision to Pay Zakat, Infaq and Shadaqah (Study on UPZIS of Jabal Nur Jami Mosque, Samarinda Ulu District)