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All Journal JITK (Jurnal Ilmu Pengetahuan dan Komputer) IKRA-ITH Informatika : Jurnal Komputer dan Informatika IKRA-ITH ABDIMAS Dinasti International Journal of Management Science Dinasti International Journal of Education Management and Social Science Dinasti International Journal of Digital Business Management International Journal of Advanced Multidisciplinary International Journal of Emerging Issues in Islamic Studies Greenation International Journal of Tourism and Management Greenation International Journal of Economics and Accounting Berbakti
Ayi Wahid
Universitas Siber Indonesia, Jakarta, Indonesia
Religion Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Digital Business Transformation and Its Impact on Organizational Performance in the Banking Industry: The Mediating Role of Digital Capability and Employee Adaptability Ayi Wahid; Hery Wihasnanto; Rosna Yuherlina Siahaan; Rini Martiwi; Ari Wijaya
Greenation International Journal of Economics and Accounting Vol. 4 No. 3 (2026): Greenation International Journal of Economics and Accounting (July - August 202
Publisher : Greenation Research & Yayasan Global Resarch National

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/gijea.v4i3.973

Abstract

Advances in digital technology are driving the banking industry to undertake business transformation to improve organizational performance. This study aims to analyze the influence of digital business transformation on organizational performance, with digital capabilities and employee adaptability as mediating variables. The study used a quantitative approach through a survey of banking employees involved in digital transformation. Data were analyzed using Structural Equation Modeling (SEM). The results show that digital business transformation has a positive and significant impact on organizational performance, as well as improving employee digital capabilities and adaptability. Both variables also positively influence organizational performance and act as partial mediators in the relationship between digital business transformation and organizational performance. These findings indicate that the success of digital transformation depends not only on technology investment but also on strengthening employee digital capabilities and adaptability. This study provides an empirical contribution to the development of digital transformation studies in the banking sector and provides input for bank management in improving organizational performance sustainably.
Determinants of the Merger Performance of BUMN Sharia Banks Ayi Wahid
International Journal of Emerging Issues in Islamic Studies Vol. 1 No. 1 (2021): July 2021
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijeiis.v1i1.574

Abstract

Background - The phenomenon of the merger of state-owned Islamic banks (BUMN) was predicted to provide increased financing and operational efficiency which has implications for an increase in the level of operating income and profitability. Purpose – The purpose of the research was to examine and analyze the effect of the level of financing to deposit ratio and the level of efficiency of operating income on profitability as measured by return on assets, either directly or indirectly through the net operating margin. Design/methodology/approach – The research method used was quantitative method with a sample size of 60 which was sourced from quarterly reports at the Financial Services Authority (OJK) which was a combination of cross-sectional data from three state-owned Islamic bank companies (Bank Mandiri Syariah, BNI Syariah, and BRI Syariah. ) during the 2015-2019 period. Data analysis in this research used a panel data regression model with the EViews data processing application program Findings – The results showed that by using a significance level of 5%, financing to deposit ratio and operating costs operating income had an effect but not significantly on the net operating margin. Financing to deposit ratio and operating costs operating income directly have a significant effect on return on assets. However, indirectly through the net operating margin, it can be seen that the financing to deposit ratio has an effect but had not significant on return on assets, on the other hand, operating expenses have a negative and significant effect on return on assets. Other findings from this research indicate that the net operating margin variable has not a mediating variable on the effect of financing to deposit ratio on return on assets, on the other hand, the net operating margin variable had a mediating variable on the effect of operating expenses on operating income on return on assets.. Research limitations– The research only includes two independent variables, this is more due to the cross sectional data used is limited to three state-owned Islamic bank companies with panel data regression models. It is recommended for further research to include other independent variables with a multivariable regression model so that it can provide results on improving the performance of Islamic banks after the merger. Originality/value – The results of statistical testing show that the financing to deposit ratio and operating costs operating income have an effect on but not significant to the net operating margin in the merger of BUMN Islamic banks.
Co-Authors Afifah, Vivi Albert Albert Anang Martoyo Ari Wijaya Dana S Santoso Dana Santoso Saroso Dana.S Saroso Dian Fitri Damayanti Farida Yuliaty Heri Sutrisno Hery Wihasnanto Kosasih Kosasih Nengsih, Widya Nila Prastyaningsih Prastyaningsih, Nila Rianti Rozalina Rini Martiwi Rosna Yuherlina Siahaan Samekto Samekto Vivi Afifah Vivi Afifah Vivi Afifah Widya Nengsih