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Exploring Blockchain Technology for Transparency and Efficiency in Indonesia's Financial Sector Suyanto Suyanto; INDRI ASTUTI; Duryana Duryana
Nomico Vol. 1 No. 10 (2024): Nomico-November
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/36j2sm39

Abstract

The application of blockchain technology in Indonesia's financial sector offers great potential to improve the transparency, efficiency, and security of the financial system. Blockchain allows for permanent and transparent recording of transactions, thereby reducing the risk of fraud and data manipulation, as well as increasing public trust in the financial system. The technology also has the potential to reduce international transaction costs, speed up payment processes, and reduce reliance on intermediaries, allowing financial services to become more affordable and efficient. However, Indonesia faces various challenges in implementing blockchain, including regulatory clarity that risks creating legal uncertainty, limited digital infrastructure that is evenly distributed across the region, and a lack of skilled human resources in this technology. To overcome these challenges, collaboration between governments, regulators, and the private sector is needed to create policies that support blockchain development, strengthen digital infrastructure, and improve the quality of education and training in the field of blockchain technology. The great potential of blockchain in accelerating the transformation of Indonesia's financial sector towards a more inclusive, efficient, and transparent system will be the main driver of sustainable digital economic growth.
Pertarungan Model Altman, Springate, Zmijewski dan Grover Memprediksi Financial Distress Perusahaan Jasa Mohamad Ismail Chandra; Suyanto Suyanto; Tri Widyastuti; Nurmala Ahmar
Jurnal Indonesia Sosial Teknologi Vol. 2 No. 07 (2021): Jurnal Indonesia Sosial Teknologi
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4421.343 KB) | DOI: 10.59141/jist.v2i07.195

Abstract

Penelitian ini bertujuan untuk meneliti model prediksi financial distress terbaik diantara 4 model yaitu Altman Z Score, Springate, Zmijewski, dan Grover dalam memprediksi financial distress pada perusahaan jasa pada sub sektor investasi dan sekuritas yang terdaftar di Bursa Efek Indonesia periode 2012-2016. Sampel yang digunakan dalam penelitian ini sebanyak 16 perusahaan jasa sub sektor sekuritas dan investasi di Bursa Efek Indonesia. Tehnik sampling yang digunakan dalam penelitian ini adalah purposive sampling yaitu salah satu tehnik non random dimana peneliti menentukan pengambilan sample dengan cara menetapkan ciri-ciri khusus yang sesuai dengan tujuan penelitian. Hasil Penelitian menunjukan bahwa terdapat perbedaan hasil prediksi financial distress antara model Altman Z Score, Springate, Zmijewski, dan Grover dalam memprediksi financial distress. Model Grover merupakan model terbaik, kemampuan variabel independen secara bersama-samadalam mempengaruhi variabel dependen juga cukup baik, dari 3 variabel yangdigunakan, semua variabel berpengaruh positif terhadap financial distress. ModelGrover juga yang paling rendah memprediksi perusahaan yang distress baik melaluiuji deskriptif crosstab maupun non parametrik sesuai dengan kondisi real yang adadimana perusahaan jasa studi kasus (sub sektor investasi dan sekuritas) yang terdaftar di Bursa Efek Indonesia yang dijadikan sample penelitian tersebut sampai dengan tahun 2016 tidak ada yang distress dan baru pada tahun 2018 ada 1 (satu) perusahaan yang di suspend.
Penerapan Pengendalian Internal Terhadap Kecurangan: Sebuah Literatur Review Benny Marciano; Ardiansyah Syam; Suyanto; Nurmala Ahmar
WACANA EKONOMI (Jurnal Ekonomi, Bisnis dan Akuntansi) Vol. 20 No. 2 (2021)
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/we.20.2.2021.130-137

Abstract

Fraud is an intentional deception that can result in losses for organization. Fraud is influenced by the opportunity caused by the weak internal controls in an organization, lack of supervision and abuse of power or authority. This study aims to analyze the effect of internal control on fraud in an organization. The research was conducted using a literature review by examining various previous studies that existed in various electronic databases for searching journals or literature. The keywords used in the literature search included "internal control", "internal control system", "fraud", and "fraud prevention". " Inclusion and exclusion criteria were used in screening articles. The results of the review of these 14 articles indicate that internal control is an effective effort to prevent fraud in an organization. With good internal control, employees are expected not to take actions that are not in accordance with the established rules. Therefore, the company is expected to implement an effective internal control system.
Determinan Kinerja pada Dealer Otomotif: Paradoks Kepuasan Kerja Sebagai Mediator: Determinants of Performance in Automotive Dealerships: The Paradox of Job Satisfaction as a Mediator Willy Hadiyanto; Suyanto
Jurnal Kolaboratif Sains (Special Issue) Jurnal Kolaboratif Sains (JKS) - Juni 2026
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v9i6.11348

Abstract

Industri otomotif yang dinamis menuntut efisiensi operasional dan kualitas layanan tinggi, di mana Sumber Daya Manusia (SDM) menjadi inti keunggulan kompetitif. Penelitian ini dilatarbelakangi oleh fluktuasi kinerja operasional di Setiajaya Toyota Cibubur, khususnya pada metrik Service Berkala Internal (SBI), Ganti Oli, dan Warranty, yang mengindikasikan adanya pengaruh faktor non-teknis terhadap performa karyawan. Penelitian ini bertujuan menganalisis pengaruh kepemimpinan, lingkungan kerja, dan kompetensi terhadap kinerja karyawan, baik secara langsung maupun melalui kepuasan kerja sebagai variabel intervening. Metode yang digunakan adalah pendekatan kuantitatif dengan desain explanatory research. Data dikumpulkan melalui kuesioner berskala Likert kepada 73 karyawan menggunakan teknik sampel jenuh (sensus), dan dianalisis menggunakan Structural Equation Modeling (SEM) berbasis Partial Least Squares (PLS) dengan perangkat lunak SmartPLS 3. Temuan utama menunjukkan bahwa lingkungan kerja berpengaruh positif dan signifikan terhadap kepuasan kerja, namun kepuasan kerja tidak berpengaruh signifikan terhadap kinerja karyawan. Kepemimpinan tidak terbukti berpengaruh signifikan terhadap kepuasan kerja dalam konteks ini. Penelitian ini memberikan kontribusi teoritis mengenai batas-batas efektivitas kepuasan kerja sebagai mediator dalam industri dengan pengawasan target yang ketat, serta implikasi praktis bagi manajemen untuk mengevaluasi kembali struktur tugas dan gaya kepemimpinan agar lebih adaptif. The dynamic automotive industry demands high operational efficiency and service quality, where Human Resources (HR) serve as the core of competitive advantage. This research is motivated by fluctuations in operational performance at Setiajaya Toyota Cibubur, specifically in Internal Periodic Service (SBI), Oil Change, and Warranty metrics, which indicate the influence of non-technical factors on employee performance. This study aims to analyze the influence of leadership, work environment, and competence on employee performance, both directly and through job satisfaction as an intervening variable. The method used is a quantitative approach with an explanatory research design. Data were collected through Likert-scale questionnaires distributed to 73 employees using a total sampling (census) technique, and analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with SmartPLS 3 software. The main findings show that the work environment has a positive and significant effect on job satisfaction, but job satisfaction itself has no significant effect on employee performance. Leadership was not proven to have a significant effect on job satisfaction in this context. This research provides a theoretical contribution regarding the limits of job satisfaction as a mediator in industries with strict target supervision, as well as practical implications for management to re-evaluate task structures and leadership styles to be more adaptive.
Analisis Disiplin Kerja, Pelatihan, dan Kompensasi Terhadap Kinerja Personel Dengan Motivasi Sebagai Variabel Intervening Pada Satuan Latihan Brimob Cikeas Kabupaten Bogor Eko Riyanto; Suyanto Suyanto; Eva Aryanti
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 6 No. 4 (2025): Jurnal Ekonomi Manajemen Sistem Informasi (Maret - April 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v6i4.4639

Abstract

Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh Disiplin kerja, Pelatihan dan Kompensasi terhadap Kinerja Personel dengan Motivasi sebagai variabel Intervening pada Satuan Latihan Brimob. Subyek yang digunakan dalam penelitian ini adalah Satuan Latihan Brimob Tahun 2004 – 2022 ditinjau dari disiplin kerja dan yang kedua ditinjau dari kinerja. Teknik pengumpulan data yang digunakan dalam penelitian ini ada dua yaitu observasi dokumen   dan   kuesioner. Observasi dokumen ini dilakukan dengan mengumpulkan data sekunder dari pihak personel Satuan Latihan Brimob berupa sejarah perusahaan, visi dan misi perusahaan, struktur perusahaan, dan gambaran umum atau profil mengenai anggota Brimob. Kuesioner dilakukan dengan cara membagikan kuesioner kepada para karyawan tetap nonmanajerial dan para pimpinan/atasan setiap unit kerja dari semua unit/bagian Personel Satuan Latihan Brimob. Metode analisis data yang digunakan antara lain analisis deskriptif, Uji Asumsi Klasik, Uji Normalitas, Uji Multikolinieritas, Uji Autokorelasi, dan Uji Heteroskedasitas. Hasil penelitian menunjukkan, bahwa: Disiplin kerja berpengaruh langsung terhadap kinerja karyawan tetapi tidak melalui motivasi kerja. Pelatihan berpengaruh tidak langsung terhadap kinerja karyawan melalui motivasi kerja. Kompensasi berpengaruh langsung terhadap kinerja karyawan tidak melalui motivasi kerja.
Financial Stress, Social Impacts, and Psychological Outcomes of Online Borrowing Nurwulan Kusuma Devi; Suyanto; Haspul Naser
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 4 (2026): JIMKES Edisi Juli 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i4.5268

Abstract

The rapid growth of online lending has improved financial access but has raised concerns about financial stress, social pressure, and psychological consequences among borrowers. This study addresses this gap by examining the borrower-centered impacts of online borrowing, which remain underexplored in prior research. The objective of this study was to analyze how financial stress and social impacts contribute to psychological outcomes. A qualitative approach was employed, using in-depth interviews with borrowers and industry practitioners, supported by document analysis. Data from 77 participants were analyzed using thematic analysis methods. The findings show that high interest rates and repayment obligations generate financial stress, disrupt social relationships, and lead to anxiety and reduced well-being. These results highlight the interconnected nature of the financial, social, and psychological challenges of online borrowing. This study offers practical implications for policymakers and lending platforms to develop more responsible and sustainable lending practices that better protect borrowers, particularly through stronger regulatory oversight, improved transparency in loan terms, and stricter controls on interest rate structures and collection practices. In addition, financial literacy programs and borrower education initiatives should be strengthened to help individuals make more informed borrowing decisions and manage repayment risks more effectively.
The Influence of Work Culture and Discipline on Employee Performance: The Intervening Role of Motivation at the Ministry of Tourism and Creative Economy Atika Ayu Fitriayati; Suyanto; Sri Lestari Prasilowati
GoodWill Vol. 4 No. 2 (2024): October 2024
Publisher : Yayasan Amerta Insan Unggul

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/vfyz1w94

Abstract

Employee performance is vital for achieving organizational goals. At the Ministry of Tourism and Creative Economy, efforts to enhance performance include the use of the Personnel Management Information System (SIMPEG), fostering a positive work culture, and enforcing work discipline. Motivation plays a crucial mediating role in strengthening the relationship between these variables and employee performance. Despite ongoing initiatives, challenges persist, such as suboptimal SIMPEG utilization, inconsistent internalization of work culture, and uneven levels of discipline across the organization. This study adopts a quantitative approach using a survey method, with data collected via questionnaires distributed to randomly selected employees to ensure representativeness. Regression and path analysis were used to examine the direct and indirect effects of SIMPEG, work culture, and discipline on performance, with motivation as an intervening variable. The findings reveal that SIMPEG, work culture, and discipline significantly affect employee performance both directly and through motivation. SIMPEG enhances performance by improving transparency and access to information, which boosts motivation. A strong work culture and high discipline levels also positively influence both motivation and performance. Motivation emerges as a key mediating factor. Therefore, strengthening organizational culture, improving discipline, and optimizing SIMPEG usage are recommended to foster a productive and efficient work environment.
Analysis of Organizational Culture, Job Satisfaction and Leadership Style on Employee Performance with Organizational Commitment as an Intervening Variable Harnadi; Suyanto; Indri Astuti
GoodWill Vol. 5 No. 2 (2025): October 2025
Publisher : Yayasan Amerta Insan Unggul

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/pcae2h80

Abstract

This study investigates the impact of organizational culture, job satisfaction, and leadership style on employee performance, with organizational commitment as a mediating variable at PT. Smart Elang Felindo. Motivated by the company’s need to enhance employee performance, the research emphasizes strengthening organizational commitment as a key strategy. Using a quantitative method and Structural Equation Modeling with SmartPLS, data were collected from 92 employees with at least three years of service, selected through proportionate stratified random sampling. Questionnaires assessed organizational culture, job satisfaction, leadership style, commitment, and performance, with performance evaluations completed by branch heads to ensure objectivity. The findings reveal that organizational culture, job satisfaction, and leadership style significantly and positively influence organizational commitment, which in turn significantly affects employee performance. Furthermore, these three variables also indirectly impact performance through organizational commitment. The study highlights the strategic role of commitment in translating internal organizational factors into improved employee outcomes. By involving experienced employees and using 18 measurement indicators, the study offers practical recommendations for human resource management to enhance sustainable performance.
Analisis Fasilitas Kerja, Lingkungan Kerja Dan Insentif Terhadap Kinerja Karyawan Dengan Motivasi Kerja Sebagai Variabel Intervening Pada Pt. Leaders World Di Gunung Putri Kabupaten Bogor Haris Adiki; Suyanto Suyanto
Benefit: Journal of Bussiness, Economics, and Finance Vol. 4 No. 2 (2026): BENEFIT: Journal Of Business, Economics, and Finance
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah (lppi) Yayasan Almahmudi Bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/benefit.v4i2.1764

Abstract

This research aims to analyze the influence of work facilities, work environment, and incentives on employee performance, with work motivation serving as an intervening variable at PT. Leaders World, Bogor. The methodology employed a census of the entire employee population through cluster sampling, with data analysis conducted using multiple linear regression and the Sobel Test. The findings indicate that work facilities and incentives exert a significant positive influence on motivation; however, the work environment does not demonstrate a similar effect. Furthermore, incentives and work motivation were proven to directly bolster performance, whereas the work environment was found to have a negative impact on employee performance. Work motivation was also found to be incapable of mediating the influence of the work environment on performance, suggesting that productivity increases are more heavily dependent on reward-based aspects. Consequently, the company is advised to prioritize the provision of incentives and the fulfillment of facilities to achieve more effective organizational sustainability
PERSONAL FINANCIAL MANAGEMENT IN COLLEGE STUDENTS: THE IMPACT OF FINANCIAL KNOWLEDGE AND ATTITUDE ON SAVING BEHAVIOR Fahri Haikal; Putri Sarah Olivia; Alamsyah Siregar; Suyanto Walidi
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 2 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i2.3882

Abstract

Introduction: This study is motivated by the low level of financial literacy among university students and the increasing complexity of personal financial management in the modern era. Financial knowledge and financial attitude are considered important factors influencing students’ saving behavior; however, empirical studies integrating these two variables are still limited, particularly in the Indonesian context.Methods: This research employs a quantitative approach using primary data collected through an online questionnaire distributed to 200 university students in the DKI Jakarta area. A purposive sampling technique was applied, and data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM).Results: The findings reveal that financial knowledge has a positive and significant effect on both financial attitude and saving behavior. Financial attitude also has a positive and significant influence on saving behavior. Furthermore, financial attitude plays a stronger role in influencing saving behavior compared to the direct effect of financial knowledge.Conclusion and suggestions: The study concludes that students’ saving behavior is shaped by the interaction between cognitive factors (financial knowledge) and affective factors (financial attitude). Therefore, it is recommended that educational institutions and policymakers enhance financial literacy programs by not only improving knowledge but also fostering positive financial attitudes to promote better saving behavior among students. Keywords: Behavioral Finance; Financial Attitude; Financial Knowledge; Financial Literacy; Saving Behavior
Co-Authors ., Soeratno Adi Wiratno, Adi Alamsyah Siregar Angga Prasetia Anwar Effendi Artika Wulan Agustin Ashady Hanafie Atika Ayu Fitriayati Benny Marciano Benny Marciano Benny Marcino Beti Renitawati Cusyana, Silvi Reni DARMANSYAH . Darminto, Dwi Prastowo Delvy Pramia Ardhela Devi, Nurwulan Kusuma Dina Indah Pertiwi Djaddang, Syahril Duryana Duryana Dwi Prastowo D Effendhi, Erfin Eko Budi Satoto Eko Riyanto Eko Riyanto Emi Rahmawati Ernia Yusnita Erwin Permana Eva Aryanti Eva Aryanti Fahri Haikal Fatmi Yumantini Oktikasari H. Suratno, H. Suratno Harimurti Wulandjani Harimurti Wulandjani Haris Adiki Harnadi Haspul Naser Hendi Prihanto Hetrina Hetrina Hikmawati, Ningsih Idhi Heru Supriyadi Iis Wahyuni Ika Ramadhani Indri Astuti INDRI ASTUTI Indri Astuti Jeni Andriani Jesica Virdayanti Jesica Virdayanti JMV Mulyadi Julia Safitri Kurniawan, Aris Hidayat M. ARDIANSYAH SYAM Maria Gayatri Masno Marjohan Maximus Leonardo Taolin Meza Rahmadini Mohamad Ibnussoim Mohamad Ismail Chandra Najla Fadhilah Zahra Novita Manda Sari Tanjung Novita Manda Sari Tanjung Nurmala Ahmar Nurmala Nurmala Pitoyo, Bayu Seno Prabawa Khusna Manzoni Putri Sarah Olivia Rachmawati, Diana Widhi Rahayu Eka Prasatya Rezy Reno Bulan Mulyadi Samsul Hadi shinta, Pradisa Sigit Nur Dianto Silverius Y. Soeharso Siti Aminah Slamet Riyanto Sri Lestari Prasilowati Supardi, Herman Suratno Suratno Susianto, Tri Endar Tiolina Evi Tiolina Evi Tri Widyastuti Widarto Rachbini Willy Hadiyanto Willyan Bagus Alamsjah Yudi Wahyudin Zaharuddin Zakiyudin, Muhammad Ali Zohrah, Arifahtun