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Investment Risk Management Strategies in Sukuk: A Sharia Management Perspective Mahadewi, Erlina Puspitaloka
Kontigensi : Jurnal Ilmiah Manajemen Vol 12 No 2 (2024): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v12i2.609

Abstract

Sukuk, as a Sharia-compliant financial instrument, has gained increasing popularity among global investors. However, as the market evolves, challenges related to risk management in compliance with Sharia principles have also emerged. This paper aims to explore investment risk management strategies in sukuk from a Sharia management perspective. Using qualitative analysis and literature review methods, the study highlights the importance of applying Sharia principles in identifying and managing risks, including market risk, liquidity risk, and default risk. Sharia-compliant risk mitigation strategies, such as portfolio diversification, sukuk performance monitoring, and the use of Sharia contracts like wakalah and mudharabah, are discussed in depth. Additionally, the paper emphasizes the role of Sharia supervisory authorities in ensuring that sukuk instruments remain compliant with Islamic law, providing added security for investors. The findings of this study offer valuable insights for investors, financial institutions, and policymakers in developing effective and Sharia-compliant risk management frameworks.
The Role of Virtualization Technology to Increase Operational Cost Efficiency of Indonesian SMEs: Case Study of Internet Service Providers Iswara Sanantagraha, Arnastya; Puspitaloka Mahadewi, Erlina
International Journal of Science, Technology & Management Vol. 5 No. 5 (2024): September 2024
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v5i5.1161

Abstract

This research investigates the role of virtualization technology in enhancing operational cost efficiency for Indonesian Small and Medium-sized Enterprises (SMEs), specifically Internet Service Providers (ISPs). A quantitative approach, utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) version 2.0, was employed to analyze data collected from 68 respondents representing 216 Indonesian SME ISPs. The study focused on the relationship between virtualization technology planning, adaptation capability, server consolidation services, and operational cost effectiveness. The findings demonstrate that adaptability to virtualization technology is the most significant factor influencing operational cost efficiency. Effective implementation requires careful planning and a proactive approach to adapting to the technology's demands. Server consolidation services play a crucial role in optimizing resource utilization and reducing costs while virtualization technology offers substantial benefits, SMEs should carefully assess their specific needs and resources before implementation. Factors such as infrastructure, skills, and business objectives should be evaluated to ensure successful adoption and maximize cost savings. This research provides a foundation for further exploration into the impact of virtualization technology on SMEs. Future studies could investigate the applicability of these findings in different contexts, such as other industry sectors or regions. Additionally, examining the long-term effects of virtualization technology adoption and the potential for scalability could offer valuable insights. Further research could also focus on the challenges and opportunities associated with virtualization technology adoption in SMEs with varying sizes and resources.
AI Ethics Implementation In Indonesia Hospitals: Challenges Or Opportunities Iswara Sanantagraha, Arnastya; Leslie Hendric Spits Warnars, Harco; Prabowo, Harjanto; Sfenrianto, Sfenrianto; Puspitaloka Mahadewi, Erlina
International Journal of Science, Technology & Management Vol. 6 No. 3 (2025): May 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i3.1217

Abstract

In the last five years, the technology adoption in Indonesia has begun to use advances in artificial intelligence (AI) ethics to improve healthcare services. This change has had a significant impact on several institutions, especially the hospital industry. This paper provides an overview of hospital institutions in Indonesia that are implementing AI ethics. AI ethics comprehensive review of 54 papers from the Scopus, PubMed and Google Scholar database was used to develop our methodology. The existing literatures, which includes studies from various disciplines such as education, healthcare, information communication technology (ICT), licensing, law, hospitality, and economic services, demonstrated the widespread implementation of AI in these fields. We have found potentiality benefit of AI implementation in Indonesian hospital which focusing on increasing patient outcomes and also equalizing of healthcare service. This output can be done with find out the strategy to maximizing its benefit and paralely to decrease and minimizing the rise of ethic risk. This review concludes that AI implementation in Indonesian Hospital come with significantly opportunity for increasing patient healthcare outcome and equality of healthcare services. We provide a new view for organizing governance research, that identifies gaps in the existing literature speciality in healthcare and suggests future directions, for research utilizing technology in AI ethics.
The Influence of Promotion, Service Quality, Brand Image On Indomaret Customer Satisfaction and Loyalty Yunita, Fina; Puspitaloka Mahadewi, Erlina
International Journal of Science, Technology & Management Vol. 6 No. 3 (2025): May 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i3.1299

Abstract

The supermarket sector in Indonesia has shown significant growth over the past few years and is predicted to continue to grow in the future. The purpose of this study was to determine how promotion, service quality, and brand image impact customer satisfaction and customer loyalty, especially Indomaret customers in west Jakarta Indonesia. This study involved the use of quantitative techniques. The population to be studied was Indomaret customers in west Jakarta Indonesia in year 2024 to 2025. Furthermore, for sampling, a nonprobability sampling method with a purposive sampling technique was used. The research sample was 130 people. Smart PLS software was used to perform data analysis with the Structural Partial Least Square Equation Model (SEM-PLS). The results of this study indicated that promotion, service quality, and brand image have an impact on customer satisfaction. In addition, service quality and brand image had a positive impact on customer loyalty. The level of customer satisfaction positively influences customer loyalty. This study was expected to help Indomaret to improve customer satisfaction and customer loyalty. Furthermore, this study can serve as a reference for future research on promotion, service quality, brand image, customer satisfaction, and customer loyalty.
The Impact Of Artificial Intelligence On Consumer Behavior: A Comprehensive Review Of Marketing Strategies In The Digital Age Mahadewi, Erlina Puspitaloka; Sanantagraha, Arnastya Iswara; Sugiharto, Amo
Kontigensi : Jurnal Ilmiah Manajemen Vol 13 No 1 (2025): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v13i1.687

Abstract

The advancement of Artificial Intelligence (AI) technology has brought significant changes to consumer behavior and marketing strategies in the digital age. This study aims to provide a comprehensive review of the impact of AI on consumer behavior while exploring marketing strategies adopted by businesses to address these changes. By utilizing literature analysis from recent journals, books, and scholarly articles, this research highlights how AI technologies—such as predictive algorithms, personalization, and chatbots—affect consumer decision-making processes, enhance customer experiences, and accelerate purchasing behaviors. On the other hand, AI also introduces new challenges related to privacy, ethics, and consumer trust in technology. The findings of this study reveal that companies successfully implementing AI into their marketing strategies are able to foster closer relationships with customers through more relevant and data-driven interactions. In this context, the role of technology in understanding consumer needs and preferences becomes a key driver of marketing success. This study provides valuable insights for academics and practitioners on how AI is transforming the marketing and consumer behavior landscape, while also recommending best practices for leveraging this technology. As such, this research emphasizes the importance of adapting to AI technologies to create added value in an increasingly competitive market.
The Influence of Occupational Safety, Health, And Security Standards On Increasing The Productivity of High-Rise Building Glass Cleaning Workers Aura Prizi, Jeane; Puspitaloka Mahadewi, Erlina
International Journal of Science, Technology & Management Vol. 6 No. 5 (2025): September 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i5.1350

Abstract

Occupational Safety and Health (OHS) is a crucial element in the modern workplace, particularly in high-rise building cleaning, as effective OHS implementation has been proven to reduce workplace accident rates and simultaneously increase workforce productivity. This study aims to analyze how the implementation of OHS management and VR-AR-based OHS training can affect workplace accident rates and ultimately impact low work productivity due to the high number of falls from height. This study uses a quantitative approach with the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The subjects in this study included employees who had worked for more than 4 months in the field of high-rise building cleaning in the West Jakarta area. To obtain an appropriate number of respondents, the data collection process was carried out through the distribution of online questionnaires using Google Forms. The instrument trial stage was carried out involving 30 respondents for the initial test, while the total data collected during the main questionnaire filing stage amounted to 130 respondents. The results of the study indicate that the Implementation of OHS Requirements, OHS Management, and VR-AR-Based OHS Training have an impact on Workplace Accidents. Meanwhile, the Implementation of K3 Requirements, VR-AR Based K3 Training, and Work Accidents have an impact on Productivity.
Democratizing Network Security Management: How ESP32 Makes Professional Packet Sniffing Accessible Iswara Sanantagraha, Arnastya; Puspitaloka Mahadewi, Erlina
International Journal of Science, Technology & Management Vol. 6 No. 5 (2025): September 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i5.1351

Abstract

This study presents a comprehensive design and implementation of an ESP32-based WiFi packet sniffer system optimized for real-time monitoring and analysis of 802.11 network traffic, adopting a modular architecture that integrates hardware abstraction, packet processing, and user interface layers to ensure scalability, maintainability, and efficient resource utilization while leveraging the ESP32's dual-core processor, integrated WiFi, and advanced memory management strategies to achieve high performance in packet capture, filtering, and storage with low power consumption; key features include support for industry-standard PCAP file formats, microsecond-precision timestamps, and compatibility with MQTT and WebSocket protocols, enabling seamless integration into diverse IoT applications, with the system capable of capturing all supported 802.11 frame types and applying real-time filtering based on MAC addresses, frame types, signal strength, and protocol-specific parameters to reduce storage and processing overhead, while addressing memory limitations through efficient buffer management techniques such as circular buffers and dynamic memory allocation, ensuring adaptability to traffic patterns and resources, with performance evaluations demonstrating its ability to handle high traffic loads with minimal latency and memory overhead, making it suitable for applications like disaster monitoring, factory automation, and environmental sensing, further highlighting the ESP32's versatility through compatibility with solar-powered systems and renewable energy sources for long-term deployment in remote environments, while future work will focus on enhancing energy efficiency and exploring AI-driven analytics for edge computing scenarios, bridging the gap between expensive commercial solutions and accessible educational/research tools to demonstrate practical viability in real-world applications.
The Influence of Influencer Marketing and Online Customer Reviews on Purchase Decisions with Mediator Brand Image Mustajab, Fuad; Puspitaloka Mahadewi, Erlina
International Journal of Science, Technology & Management Vol. 6 No. 5 (2025): September 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i5.1353

Abstract

This study aims to analyze the influence of influencer marketing and online customer reviews on purchase decisions by examining the mediating role of brand image in the context of the TikTok social commerce platform. The novelty of this study lies in the integration of these three variables into a single relationship model on TikTok Shop, which is characterized by video content. This study used a quantitative approach with a purposive sampling method, involving 126 respondents in the Greater Jakarta area who were active users and had made purchases on TikTok Shop. Data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results show that influencer marketing and online customer reviews have a positive and significant influence on purchase decisions and brand image. Furthermore, brand image also significantly influences purchase decisions and mediates the relationship between influencer marketing and online customer reviews. These findings indicate that marketing strategies through influencers and customer reviews not only have a direct influence on purchase decisions but also an indirect influence through brand image formation. A strong brand image plays a crucial role in encouraging consumers to make purchase decisions on TikTok Shop.
The Role of Marketing Skills for Local Products and Entrepreneurial Innovation in SME Performance Putri Kencana, Yunita; Puspitaloka Mahadewi, Erlina
International Journal of Science, Technology & Management Vol. 6 No. 5 (2025): September 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i5.1355

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia’s economic development, yet many still face challenges in improving their performance lately in three years. This study aims to analyze the influence of entrepreneurial marketing, innovation capability, and purchase decision on the performance of MSMEs, with a case study on the local bag product brand Jims Honey in the Jabodetabek area. A quantitative approach was used, employing a survey method with 100 MSME respondents. Data were analyzed using SmartPLS 4.0 through Partial Least Squares (PLS) and Structural Equation Modeling (SEM) for testing hypotheses 1 to 4, and multiple linear regression for hypothesis 5. The results show that entrepreneurial marketing and purchase decisions have a positive and significant effect on MSME performance. In contrast, innovation capability has a negative and significant effect. Among the three variables, the purchase decision has the most dominant influence. Simultaneously, all three variables significantly affect MSME performance. The study concludes that MSME success is more strongly influenced by effective marketing strategies and consumer trust, while innovative efforts need to be more aligned with market needs. The findings suggest that MSME owners should refine their promotional strategies, enhance service quality, and implement targeted innovation to achieve improved business performance.
The Effect of Social Influence Mediated Intention to Use on Actual Usage of Mobile Banking Putri Iskandar, Olivia; Puspitaloka Mahadewi, Erlina
International Journal of Science, Technology & Management Vol. 6 No. 5 (2025): September 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i5.1356

Abstract

The increasing use of mobile banking indicates a change in people's behaviour in accessing financial services. However, not all users feel confident or comfortable continuing to use this service due to various personal and environmental considerations. This study aims to analyse the influence of Perceived Ease of Use, Perceived Usefulness, and Social Influence on Intention to Use, as well as the influence of Intention to Use on Actual Usage in the context of using mobile banking applications. This study uses a quantitative approach through a survey method by distributing questionnaires to 192 respondents, namely active users of BNI mobile banking services in the DKI Jakarta area. The analysis in this study was carried out using the SEM-PLS (Structural Equation Modelling - Partial Least Square) approach. From the data analysis, it was found that Perceived Ease of Use had a significant positive effect on Intention to Use, Social Influence had a significant positive effect on Intention to Use, while Perceived Usefulness had no significant effect on Intention to Use. In addition, Intention to Use had a significant positive effect on Actual Usage. This study provides very important implications for the development of bank digital service strategies, especially to increase the adoption of mobile banking among the younger generation.
Co-Authors Ade Heryana Admarianti, Ghina Agus Firmansyah Al Farisi, Muhammad Salman Al-Amin, Al-Amin Alika Shameela Amalia, Lia Amo Sugiharto Angela, Nofia Aprianti, Desi Aprilita Rinayanti Eff Aprilita Rinayanti Eff Arman Harahap Arnastya Iswara Arnastya Iswara Sanantagraha Arnastya Iswara Sanantagraha Arnastya Iswara Sanantagraha Arnastya Iswara Sanantagraha, Arnastya Iswara Sanantagraha Asari Asari, Asari Ashri Maunah, Nur Aura Prizi, Jeane Ayu, Gebyar Ayuba, Iyan Bangun, Cicilia Sriliasta Christover, Jean Citrawati, Citrawati Daru Asih Dihin Septyanto Djati, Sunding Pantja Dudi Permana Dwi Putranto, Rahmat DWI SAFITRI, IKA Edy Suntoro, Eko El Hasan, Sawqi Saad Erlangga, Heri Erwin Agustian Panigoro Fachmi Tamzil Fera Gusmi Nurba Fermansyah, Hari Fori Yumita Hafidz, Gilang Pratama Harjanto Prabowo Heriyanti Heriyanti, Heriyanti Heryana, Ade Indra Ora Emi, Yohanes Intan Silviana Mustikawati Intan Silviana Mustikawati Ira Marti Ayu Iswara Sanantagraha, Arnastya Jumarno, Jumarno Juniawan Mandala Putra Juniawan Mandala Putra Khalid, Nour Kurniawati, Yatmi Leslie Hendric Spits Warnars, Harco lia amalia Mandala Putra, Juniawan Maratis, Jerry Mauludi, Andri Mira Asmirajanti Mohamad Reza Hilmy Muchtadin, Muchtadin Mugi Wahidin Mulyo Wiharto Muniroh, Muniroh Musna Musna Mustajab, Fuad Mustikawati, Intan Silviana Ngadino Surip Nisa, Puspita Chairun Nur Anggraeni, Citra Nurlinda Nurlinda Nurmalasari, Mieke Pamungkas, Ario Prawira Kautsar, Marza Putranto, Rahmat Dwi Putri Agustin, Sartika Putri Handayani Putri Iskandar, Olivia Putri Kencana, Yunita Putri, Suci Sri Endah Lestari Mulyanto Ratnawati, Aryanti Rini Handayani Rini Handayani Sanantagraha, Arnastya Iswara Sangadji, Namira Wadjir Sarlina Sari Selvi Selvi Setiawan, Ichwan Sfenrianto, Sfenrianto Shameela , Alika Shameela, Alika Shorayasari, Susi SITI MARIAM Sopian, Arip Sri Rosmalina Soejono Sunargo, Bambang Suryari Purnama Susi Shorayasari Susi Shorayasari Susi Shorayasari Sutawidjaya, Ahmad Hidayat Tunom, Sajun Viatiningsih, Wiwik Vionalita, Gisely Wahid, Hariyaty Ab Waslam Waslam, Waslam Wulandari, Rikha Yunita, Fina Zulfa Rindy Al Fitry ‘Aini, Qurotul