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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 Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan
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.
PENGARUH RETURN ON ASSETS (ROA), RETURN ON EQUITY (ROE), NET PROFIT MARGIN (NPM), DAN DEBT TO EQUITY RATIO (DER) TERHADAP HARGA SAHAM PERUSAHAAN SEKTOR PROPERTY DAN REAL ESTATE YANG TERDAFTAR DI BEI TAHUN 2017-2021 Riyan Marten Adi Nugraha; Ayi Wahid; Vivi Afifah
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 1 No 1 (2024): Jurnal Ilmu Manajemen, Bisnis dan Keuangan (Innobiz) Volume 1 Number 1 Tahun 2024
Publisher : Universitas Siber Indonesia

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Abstract

This study aims to determine the effect of Return On Assets (ROA), Return On Equity (ROE), Net Profit Margin (NPM), and Debt to Equity Ratio (DER) on stock prices both partially and simultaneously. The research object used in this study is property and real estate sector companies listed on the IDX in 2017-2021. The sampling method used is purposive sampling method by setting certain criteria, so that from 84 population companies, 10 companies are obtained that meet the criteria. The number of samples contained in this study were 50 samples consisting of 10 companies with a 5-year observation period, namely from 2017-2021. The analysis technique used in this study is multiple linear regression analysis using the help of the SPSS 26 application. The results obtained show that Return On Assets (ROA) and Net Profit Margin (NPM) partially have a significant effect on stock prices, Return On Equity (ROE) and Debt to Equity Ratio (DER) partially have no significant effect on stock prices, and Return On Assets (ROA), Return On Equity (ROE), Net Profit Margin (NPM), and Debt to Equity Ratio (DER) simultaneously have a significant and positive effect on stock prices.
PENGARUH KINERJA ELECTRONIC MONEY (E-MONEY) DALAM PERKEMBANGAN EKONOMI DIGITAL DI INDONESIA TAHUN 2020 – 2022 Roziana Ghani; Ayi Wahid; Vivi Afifah
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 1 No 1 (2024): Jurnal Ilmu Manajemen, Bisnis dan Keuangan (Innobiz) Volume 1 Number 1 Tahun 2024
Publisher : Universitas Siber Indonesia

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Abstract

The rapid development of information technology and communication devices encourages the process of digitalization in various aspects of people's lives, including in the economic and financial transactions sector. The digital world economy is now producing many new electronic-based products, one of which is electronic money (e-money). The author is interested in researching whether electronic money (e-money) can affect the development of the Digital Economy in Indonesia in 2020-2022. This study aims to determine the effect of the volume of e-money shopping transactions, the value of e-money shopping transactions, e-money infrastructure, GDP per capita, e-retail penetration, internet penetration on the development of the digital economy in Indonesia. This study uses a quantitative descriptive data analysis method with two lines of analysis, namely descriptive analysis, classical assumption test, and multiple linear regression analysis. The results of the research show that the volume of e-money shopping transactions and the value of e-money shopping transactions partially have a significant effect on the Development of the Digital Economy in Indonesia in 2020-2022, while e-money infrastructure, GDP per capita, e-retail penetration, and partial internet penetration has no significant effect on the Development of the Digital Economy in Indonesia in 2020-2022. In conclusion, E-money Shopping Transaction Volume, E-money Shopping Transaction Value, GDP per Capita, E-Retail Penetration, Internet Penetration simultaneously have a significant and positive value effect on the Development of the Digital Economy in Indonesia in 2020-2022.
PENGARUH HARGA DAN E-SERVICE QUALITY TERHADAP KEPUASAN PENGGUNA OJEK ONLINE GOJEK DI WILAYAH DKI JAKARTA Putri Haniya Arifa A; Ayi Wahid; Vivi Afifah
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 1 No 1 (2024): Jurnal Ilmu Manajemen, Bisnis dan Keuangan (Innobiz) Volume 1 Number 1 Tahun 2024
Publisher : Universitas Siber Indonesia

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Abstract

In the current era of globalization, there are so many means and facilities that can be used by companies in marketing or attracting consumer interest, one of which is by utilizing online applications. This study aims to determine the effect of price and e-service quality on GOJEK online motorcycle taxi user satisfaction in the DKI Jakarta area. The method used in this research is quantitative with a survey method. The sampling technique used purposive sampling with a total of 30 respondents. Data collection techniques use online questionnaires that have been tested for validity and reliability.
Pengaruh E-Commerce Terhadap Volume Penjualan Pada Marketplace Localoka Di Jakarta Pusat: Studi kasus pada menurunnya volume penjualan pada aplikasi locakloka Nabil Perdana Sukma Nabil; Ayi Wahid
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 2 No 1 (2025): Innobiz Issue Januari 2025
Publisher : Universitas Siber Indonesia

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Abstract

The aim of this research is to determine and analyze the influence of E-Commerce and Sales Volume on the Localoka marketplace in Central Jakarta. The population in this study are localoka users who have made ten transactions in Central Jakarta. The research method used in this research is a descriptive and explanatory survey method with a sample of 97 respondents, and the data analysis method used is simple linear regression with SPSS 26 data analysis tools. Based on the research results, it is concluded that E-Commerce localoka in Central Jakarta is included in very good category, Sales Volume at the localoka marketplace in central Jakarta is in the high category, and E-Commerce has an influence on Sales Volume at the localoka marketplace in central Jakarta. Meanwhile, the coefficient of determination (R2) of E-Commerce on Sales Volume at the Localoka marketplace in Central Jakarta is 64%, while 36% of Sales Volume is influenced by other variables not studied.
Meningkatkan Investor Saham Gen Z di Indonesia Dhiya Nada Adinda; Ayi Wahid; Michael Sitorus
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 2 No 2 (2025): Bahasa Indonesia
Publisher : Universitas Siber Indonesia

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Abstract

Penelitian ini bertujuan untuk membuktikan dan menganalisis secara parsial maupun simultan literasi keuangan digital dan inovasi teknologi berpengaruh terhadap minat investor saham Gen Z. Unit analisis penelitian adalah anggota Kelompok Studi Pasar Modal (KSPM) dari universitas swasta di Jakarta. Metode yang digunakan dalam penelitian ini menggunakan kuantitaif dan deskriptif dengan sampel minimum 56 responden, sementara pengoalahan data menggunakan analisis jalur. Hasil penelitian menunjukkan bahwa literasi keuangan digital dan inovasi teknologi secara parsial maupun simultan berpengaruh positif dan signifikan terhadap minat investor Gen Z dengan kontribusi sebesar 92.30%. Inovasi Teknologi adalah faktor yang paling dominan berpengaruh terhadap tingginya minat investor Gen Z. Implikasi hasil temuan penelitian adalah untuk meningkatkan minat investor saham Gen Z yang direfleksikan dengan tingginya tingkat peningkatan investasi adalah dengan peningkatan inovasi teknologi yang direfleksikan dengan tingginya penggunaan aplikasi mobile dalam investasi saham, dan didukung dengan peningkatan literasi keungan digital terutama dalam tingginya memahami konsep investasi saham.
PENGARUH KUALITAS LAYANAN SERVICE EXCELLENCE TERHADAP KEPUASAN NASABAH TABUNGAN SIMPEDES PT. BANK RAKYAT INDONESIA Tbk. (PERSERO) (Studi Kasus Nasabah Tabungan Simpedes Bank BRI Unit Cilandak Jakarta Selatan) M.Sahal Mahfud; Siti Nuryati; kusnandar; Ayi Wahid
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 3 No 2 (2026): Innobiz Juli 2026
Publisher : Universitas Siber Indonesia

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Abstract

Penelitian kuantitatif ini bertujuan untuk menganalisis pengaruh kualitas service excellence terhadap kepuasan nasabah tabungan Simpedes pada PT Bank Rakyat Indonesia (Persero) Tbk Unit Cilandak, Jakarta Selatan. Populasi penelitian mencakup 29.073 nasabah per April 2024, dengan sampel 100 responden yang dikumpulkan melalui kuesioner Google Form. Data diolah menggunakan SPSS versi 25. Hasil penelitian menunjukkan nilai koefisien determinasi (R2) sebesar 0,8968 (89,68%), yang mengindikasikan bahwa kepuasan nasabah dipengaruhi secara signifikan oleh kualitas service excellence, sedangkan sisa 10,32% dijelaskan oleh variabel lain yang tidak diteliti. Pengujian hipotesis menghasilkan nilai t_hitung sebesar 29,327 yang lebih besar dari t_tabel 1,660 (H0 ditolak, Ha diterima). Hal ini membuktikan adanya pengaruh positif dan signifikan antara kualitas service excellence terhadap kepuasan nasabah. Dengan demikian, semakin tinggi kualitas service excellence yang diberikan, semakin tinggi pula tingkat kepuasan nasabah tabungan Simpedes
Increasing E-Loyalty of E-Commerce Users Through E-Satisfaction and e-Trust Ayi Wahid; Vivi Afifah
International Journal of Advanced Multidisciplinary Vol. 1 No. 4 (2023): International Journal of Advanced Multidisciplinary (January - March 2023)
Publisher : Greenation Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/ijam.v1i4.165

Abstract

This study aims to prove and analyze the effect of e-service quality on e-loyalty, both directly and indirectly through e-satisfaction and e-trust of e-commerce users. The unit of analysis used was e-commerce users (Tokopedia, Shopee, Bukalapak, Lazada, Blili) in the DKI Jakarta area. The method used was a quantitative method with a sample of 200 respondents, data processing using the structural equation model method. The results of the analysis show that e-service quality directly or indirectly has a positive effect on e-loyalty through e-satisfaction and e-trust. Other results show that e-satisfaction and e-trust are partial mediating on the effect of e-service quality on e-loyalty. However, mediating e-satisfaction on the effect of e-service quality on e-loyalty has the greatest influence, when compared to the direct effect of e-service quality on e-loyalty and the indirect effect through e-trust. The research implication was an increase in e-loyalty, especially an increase in purchase intention of e-commerce users was by increasing e-satisfaction, especially increasing convenience, where e-satisfaction can be increased if e-commerce companies were able to improve e-service quality, especially increasing fulfillment of e-users commerce.
Mediating of Organizational Commitment in Improving Employee Performance Ayi Wahid; Vivi Afifah
International Journal of Advanced Multidisciplinary Vol. 1 No. 3 (2022): International Journal of Advanced Multidisciplinary (October - December 2022)
Publisher : Greenation Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/ijam.v1i3.204

Abstract

The purpose of this research was to determine and analyze the effect of leadership style and work motivation simultaneously or partially on organizational commitment, as well as the implications for employee performance at hospitality industry. The population in this study were employees of hospitality industry in Bandung West Jaba. The research method used in this research was descriptive and explanatory survey methods with a sample of 79 respondents, and the data analysis method used was path analysis using SPSS version 20 data processing software. Based on the results of the research found that the leadership style and work motivation simultaneously or partially have a positive and significant effect on organizational commitment, partially work motivation was the most dominant variable affecting the organizational commitment. Organizational commitment has a positive and significant effect on employee performance. Another important finding of this research was that the leadership style and work motivation indirectly have a positive and significant effect on employee performance through organizational commitment.
Co-Authors Afifah, Vivi Albert Albert Anang Martoyo Ari Wijaya Dana S Santoso Dana Santoso Saroso Dana.S Saroso Dhiya Nada Adinda Dian Fitri Damayanti Farida Yuliaty Heri Sutrisno Hery Wihasnanto Kosasih kusnandar M.Sahal Mahfud Michael Sitorus Nabil Perdana Sukma Nabil Nengsih, Widya Nila Prastyaningsih Prastyaningsih, Nila Putri Haniya Arifa A Rianti Rozalina Rini Martiwi Riyan Marten Adi Nugraha Rosna Yuherlina Siahaan Roziana Ghani Samekto Samekto Siti Nuryati Vivi Afifah Vivi Afifah Vivi Afifah Vivi Afifah Widya Nengsih