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All Journal Jurnal Manajemen dan Kewirausahaan (JMDK) Jurnal Pengabdian kepada Masyarakat Nusantara SWARNA Proceeding Seminar Nasional Riset Terapan Administrasi Bisnis dan Mice (SNRT)
Adilah Permananingrum
Politeknik Negeri Jakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The The Effect of Sustainable Financial Policy Implementation on Banking Performance in Indonesia Adilah Permananingrum; Riskon Ginting; Ahmad Sutanto; Arif Santoso; Husnil Barry
Jurnal Manajemen dan Kewirausahaan Vol. 14 No. 1 (2026): June (2026)
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v14i1.17409

Abstract

The implementation of sustainable finance has become an important policy instrument in encouraging the transformation of the financial sector toward sustainable economic development. In Indonesia, Peraturan OJK No.51/POJK.03/2017 was introduced to strengthen the integration of environmental, social, and governance principles within the financial services industry, particularly the banking sector. However, empirical evidence regarding the impact of this policy on banking performance in emerging economies remains limited. This study aims to examine the effect of sustainable finance policy implementation on banking performance in Indonesia and to identify the mechanisms through which the policy affects bank performance. This study employs a quantitative approach using the Difference-in-Differences method on a sample of BUKU 3 and BUKU 4 banks in Indonesia during the 2015–2024 period. Banking performance is measured using Net Interest Margin. In addition, this study investigates the mediating role of green credit ratio and operational efficiency proxied by Operating Expense Ratio. The findings indicate that the implementation of sustainable finance policy has a positive and significant effect on banking performance. The results further show that the green credit ratio significantly mediates the relationship between policy implementation and bank performance. However, operational efficiency measured by BOPO does not show a significant mediating effect. The study concludes that sustainable finance policy implementation contributes positively to banking intermediation performance, particularly through the expansion of green financing. These findings suggest that sustainable finance is not only a regulatory obligation but also a strategic opportunity to improve banking performance in Indonesia.
ANALISIS STP (SEGMENTATION, TARGETING, POSITIONING) TERHADAP KEPUTUSAN PEMBELIAN PADA PRODUK KECANTIKAN AERIS BEAUTE Noni Noerkaisar; Adilah Permananingrum; Suci Rahmadanti Dewi
Seminar Nasional Riset Terapan Vol. 14 No. 01 (2025): SNRT XIV TAHUN 2025
Publisher : Administrasi Niaga Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research analyzes the STP (Segmentation, Targeting, Positioning) strategy implemented by Aeris Beaute in marketing its beauty products. The research method used is descriptive quantitative research with primary data collection through questionnaires. The research sample was consumers of Aeris Beaute beauty products in Indonesia, using a purposive sampling technique. Data analysis was carried out using multiple linear regression to analyze the influence of Segmentation, Targeting and Positioning variables on Purchasing Decisions. The research results show that the Segmentation and Positioning variables have a significant positive influence on Purchasing Decisions, while the Targeting variable has a significant negative influence. Simultaneous analysis shows that together, these three variables have a significant effect on purchasing decisions. This research provides important insights for Aeris Beaute and other companies in the beauty industry to develop more effective marketing strategies.
Komparasi Kinerja Keuangan Bank Swasta Nasional di Indonesia melalui Pendekatan RGEC Adilah Permananingrum; Arif Santoso; Ratri Kurniasari; Noni Noerkaisar
Seminar Nasional Riset Terapan Vol. 15 No. 01 (2026): SNRT XV TAHUN 2026
Publisher : Administrasi Niaga Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/snrtbisnis.v15i01.7756

Abstract

This study aims to compare the health levels of PT. Bank CIMB Niaga, Tbk. and PT. Bank OCBC NISP, Tbk. using the RGEC methods (Risk Profile, Good Corporate Governance, Earnings, and Capital) during 2021-2025 period. The research addresses two question the heakth level of each bank and which bank demonstrates better overall performance based on the RGEC indicators. This study employs a descriptive comparative approach using secondary data obtained from the annual reports and GCG report from Bursa Efek Indonesia (BEI). The analysis was conducted by calculating and comparing the indicators of each RGEC aspect, including Non-performing Loan (NPL), Loan to Deposit Ratio (LDR), Good Corporate Governanc (GCG), Return to Asset (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Operating Expenses to Operating Income (BOPO, dan Capital Adequacy Ratio (CAR). The findings indicate that both bank maintaned a healthy condition throughout the study period. Bank CIMB demonstrated stronger performance in terms of profitability, while Bank OCBC outperformed in risk management, corporate governance, and capital adequacy.
Pengungkapan Environmental, Social, dan Governance terhadap Nilai Perusahaan Sektor Transportasi dan Logistik Ratri Kurniasari; Riskon Ginting; Arif Santoso; Hanura Akbar; Adilah Permananingrum
Seminar Nasional Riset Terapan Vol. 15 No. 01 (2026): SNRT XV TAHUN 2026
Publisher : Administrasi Niaga Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/snrtbisnis.v15i01.8077

Abstract

This study aims to examine the effect of Environmental, Social, and Governance (ESG) disclosure on firm value in transportation and logistics companies listed on the Indonesia Stock Exchange (IDX), with firm size included as a control variable. The transportation and logistics sector was selected because of its substantial Environmental impact and its relatively low ESG performance compared to other sectors. This study employed a quantitative approach using panel data regression analysis on 21 transportation and logistics companies listed on the IDX during the 2021–2025 period. ESG disclosure was measured using a checklist based on the Global Reporting Initiative (GRI) Standards 2021, while firm value was measured using Tobin’s Q ratio. The results indicate that the Fixed Effects Model (FEM) was the most appropriate estimation model based on the Chow test and Hausman test results. Partially, Environmental disclosure has a positive and significant effect on firm value, whereas Social and Governance disclosures do not have a significant effect on firm value. Simultaneously, Environmental, Social, and Governance disclosures have a significant effect on firm value, with an Adjusted R-squared value of 61%. These findings suggest that investors in the transportation and logistics sector place greater emphasis on Environmental aspects than on Social and Governance aspects when assessing firm value. This may be because Governance practices are already largely standardized through regulatory requirements, resulting in limited variation across companies, while the impact of Social initiatives tends to materialize over a longer period and may not be immediately reflected in firm value.
Peningkatan Literasi Keuangan melalui Pelatihan Pencatatan Keuangan Sederhana pada UMKM Kelurahan Cipedak Yanita Ella Nilla Chandra; Haris Satria Putra; Ratri Kurniasari; Irfan Rusydi Triyanto; Adilah Permananingrum
SWARNA: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 9 (2026): SWARNA : Jurnal Pengabdian Kepada Masyarakat, September, 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/swarna.v5i9.4423

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kemampuan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) dalam mencatat keuangan usaha secara tertib. Kegiatan ini merupakan kelanjutan dari pendampingan pemasaran digital yang sebelumnya dilaksanakan di lokasi yang sama. Kegiatan dilaksanakan di Kelurahan Cipedak, Kecamatan Jagakarsa, Jakarta Selatan, pada tanggal 27 Agustus 2026 dengan metode Participatory Action Research (PAR) yang melibatkan 20 pelaku UMKM secara aktif mulai dari perencanaan, pelatihan, hingga evaluasi. Pelatihan dilaksanakan dalam dua sesi, yaitu (1) pentingnya pencatatan keuangan dan pemisahan keuangan pribadi dengan usaha, dan (2) praktik pencatatan pemasukan dan pengeluaran usaha menggunakan aplikasi keuangan. Hasil evaluasi menunjukkan bahwa pemahaman peserta tentang pencatatan keuangan meningkat dan peserta mampu mencatat transaksi usaha secara mandiri. Kegiatan ini berkontribusi pada peningkatan literasi keuangan dan ketertiban pengelolaan keuangan usaha pelaku UMKM di Cipedak.
Pendampingan UMKM dalam Pemanfaatan Pemasaran Digital untuk Meningkatkan Penjualan di RT 10 Kelurahan Cipedak Irfan Rusydi Triyanto; Yanita Ella Nilla Chandra; Arizal Putra Pratama; Ratri Kurniasari; Adilah Permananingrum; Arif Santoso
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 7 No. 1 (2026): Edisi Januari - April
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v7i1.8477

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kemampuan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) dalam memanfaatkan pemasaran digital sebagai sarana promosi untuk meningkatkan penjualan.  Kebaruan kegiatan ini adalah pada model pengembangan pendampingan pemasaran digital berbasis PAR yang iteratif dan partisipatif, dengan mengintegrasikan prinsip berkelanjutan dan mandiri sebagai konstruksinya. Kegiatan dilaksanakan di Kedai Baba Farm RT 10 Kelurahan Cipedak, Jakarta Selatan, dengan menggunakan metode Participatory Action Research (PAR) agar peserta berperan aktif dalam setiap tahapan kegiatan. Pelatihan dilaksanakan dalam tiga sesi, yaitu (1) tutorial membuat konten digital, (2) pelatihan copywriting untuk menulis caption menarik untuk bisnis. Hasil evaluasi menunjukkan bahwa sebagian besar peserta menyatakan keterampilan mereka meningkat dan bermanfaat bagi usaha yang dijalankan. Pelaku UMKM merasa terbantu dalam memahami pemasaran digital dan lebih percaya diri mengelola media sosial bisnisnya. Kegiatan ini berdampak positif terhadap peningkatan literasi digital dan kemampuan pemasaran pelaku UMKM di wilayah Cipedak
Co-Authors Ahmad Sutanto Arif Santoso Arizal Putra Pratama Chandra, Yanita Ella Nilla Hanura Akbar Haris Satria Putra Husnil Barry Irfan Rusydi Triyanto Kurniasari, Ratri Noni Noerkaisar Riskon Ginting Suci Rahmadanti Dewi