Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
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This Author published in this journals
All Journal International Journal of Business, Economics, and Social Development International Journal of Quantitative Research and Modeling
Dede Irman
Communication in Research and Publications, Bandung, Indonesia
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Physics Social Sciences

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AI Adoption in Business: Opportunities and Challenges for Start-ups Dede Irman; Deva Putra
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025): International Journal of Business, Economics, and Social Development (IJBESD)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.881

Abstract

Artificial intelligence (AI) has become a technology that plays an important role in business transformation, including in the start-up sector. This study aims to analyze the opportunities and challenges in adopting AI in start-up businesses and its impact on company performance. The research method used is a qualitative and quantitative approach by collecting data through surveys, interviews, and literature studies. The results of the study show that AI provides various benefits for start-ups, such as increasing operational efficiency, optimizing decision-making, personalizing customer service, and reducing labor costs. The fintech and e-commerce sectors are the industries with the highest rates of AI adoption due to the need for automation and data security. However, the implementation of AI also faces various challenges, including high costs, limited expertise, integration with legacy systems, and data security and regulatory issues. Further analysis shows that start-ups that successfully adopt AI have a mature strategy in technology investment and human resource development. In addition, the effective implementation of AI can increase the competitiveness of start-ups and support sustainable business growth. Therefore, a strategic approach is needed in facing the challenges of AI implementation so that the benefits obtained can be optimized. This study is expected to provide insights for business owners, investors, and policy makers in developing more effective AI adoption strategies in the future.
Efficient Frontier Analysis of Islamic and Conventional Bank Stock Portfolios: Evidence from Four IDX-Listed Issuers Using the Markowitz Model Dede Irman; Alim Jaizul Wahid
International Journal of Quantitative Research and Modeling Vol. 7 No. 2 (2026): International Journal of Quantitative Research and Modeling (IJQRM)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijqrm.v7i2.1340

Abstract

This study investigates and compares the portfolio performance of Islamic and conventional bank stocks listed on the Indonesia Stock Exchange (IDX) using the Markowitz Mean-Variance optimization model. Four issuers were selected: PT Bank Rakyat Indonesia Tbk (BBRI), PT Bank Mandiri Tbk (BMRI), PT Bank Rakyat Indonesia Syariah Tbk (BRIS), and PT Bank Pembangunan Daerah Banten Tbk (BPAA), representing two conventional and two Islamic banking stocks respectively. Daily closing price data spanning from January 2021 to December 2023 (756 trading days) were employed to compute expected returns, variance, covariance, and correlation coefficients. Two optimal portfolios were constructed for each category: the Minimum-Variance Portfolio (MVP) and the Maximum-Sharpe Portfolio (MSP). Performance evaluation was carried out through multiple metrics including the Sharpe Ratio, Treynor Ratio, Jensen's Alpha, and Sortino Ratio. Results indicate that Islamic bank portfolios consistently outperform conventional bank portfolios on a risk-adjusted basis. The Maximum-Sharpe Islamic portfolio achieved a Sharpe Ratio of 1.765 compared to 1.342 for its conventional counterpart. These findings suggest that Islamic banking stocks, with their inherently lower leverage and prohibition on speculative instruments, exhibit more favourable risk-return characteristics, providing actionable insights for investors seeking Shariah-compliant investment alternatives.
Co-Authors Alim Jaizul Wahid Deva Putra