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Pengaruh Enterprise Risk Management, Tata Kelola, Sistem Informasi Risiko, dan Leverage terhadap Kinerja Keuangan Bank BUMN Mochammad Nugraha Reza Pradana; Suherman Suherman; Angelin Angelin; Ferdy Jason; Viona Anggreany; Michelle Michelle
Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Vol. 5 No. 2 (2026): Mei : Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupsim.v5i2.7148

Abstract

The banking business is confronted with more intricate risks as a result of digital revolution, more regulation, and shifting financial market conditions. It is the purpose of this research to examine how state-owned banks in Indonesia fare financially in relation to ERM, corporate governance, risk management information systems, and leverage. This study employs a quantitative explanatory methodology based on secondary data culled from the 2018–2025 annual reports, financial statements, and corporate governance reports of Bank Mandiri, BRI, BNI, and BTN. Descriptive statistics, assessments of classical assumptions, and multiple linear regression were employed to examine the records. The results demonstrate that Enterprise Risk Management influences financial performance in a favorable and statistically significant way, suggesting that integrated risk management contributes to increased profitability. The fact that leverage has a positive effect indicates that, with good management, debt can boost financial performance. When looking at corporate governance, the size of the board of commissioners is not a strong indicator of financial performance. On the other hand, there is a notable impact from the risk management information system, however it is important to approach its interpretation with care because of multicollinearity and the lack of data variation. According to these results, in order for state-owned banks to keep their financial performance in the long run, they should optimize their leverage, increase the quality of their risk information systems, and enhance integrated risk management.
Apakah AI Sebagai Ancaman atau Justru Menjadi Peluang Bagi Dunia Kerja? Erwin Sya’ban Ardi Wibowo; Andy Andy; Angelin Angelin; I Made Guna Raditya; Leo Alnandez; M. Febri Shahrul Iman
Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Vol. 4 No. 3 (2025): September : Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupsim.v4i3.6033

Abstract

The rapid advancement of Artificial Intelligence has reshaped the demands of the modern labor market, creating both opportunities and challenges for future job seekers. This study investigates the influence of AI skills on employability, with creativity serving as a mediating variable among senior high school and vocational students in Batam, Indonesia. Using a quantitative research design, data were collected from 186 respondents through an online survey and analyzed with the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach. The findings reveal that AI skills significantly enhance both creativity and employability. Creativity is also shown to have a positive effect on employability and partially mediates the relationship between artificial intelligence skills and employability. These results indicate that AI literacy, when combined with creative abilities, strengthens students’ adaptability, readiness, and competitiveness in the digital workforce. The study highlights the essential role of creativity as a complementary human skill that amplifies the benefits of artificial intelligence integration in learning. Overall, the research emphasizes the importance of fostering artificial intelligence competencies and creativity development to prepare young individuals for the evolving demands and complexities of future employment.