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KEWENANGAN OTORITAS JASA KEUANGAN DI BIDANG PERBANKAN DALAM MEWUJUDKAN KEPASTIAN HUKUM Supriatna, Ucu
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 7 No 2: Juni 2018
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

National banking is one of the main pillars in national economic development, and is expected to be an agent of development in achieving national goals, so that required a strong and professional institutions in the regulation and supervision of the banking and independent of the intervention of other parties. discusses the authority of the Financial Services Authority in conducting banking regulatory and supervision in Indonesia with the principles of legal certainty, the relationship between the Financial Services Authority and Bank Indonesia in regulating and supervising the banking and OJK Independence in regulating and supervising banking in Indonesia. The research method used in this research is analytical descriptive research method, that is research which describe and describe various state or fact whic h exist about Authority of Financial Services Authority In Banking in Realizing Legal Certainty. Then the general description is analyzed by starting from the legislation, the existing theories and the opinions of experts who aims to find and get answers from the main issues that will be discussed further and using the method of normative juridical approach, namely research methods that emphasize the secondary data that is by studying and reviewing the principles of law and positive law rules derived from the existing literature materials in legislation and other legal provisions. The results of the research on the authority of the Financial Services Authority in the Banking Division in realizing legal certainty, Before the establishment of OJKyang perform the tasks and functions of regulation and supervision of banks is Bank Indonesia, but after the establishment of OJK, the tasks and functions of banking regulation and supervision turned to OJK. Between Bank Indonesia and OJK can not be separated there is still a connection. Bank Indonesia conducts Macroprudential Supervision, which regulates the stability of the financial system as a whole and comprehensively, while OJK conducts microprodential surveillance, namely Regulation and supervision on institutional, health, prudential aspects, and bank checks. But in its implementation does not close the possibility of overlapping. With the contribution or levy of companies conducting business activities in the financial services sector will affect the level of independence of OJK itself, so that the dues or charges should not be charged to the company, but charged to the state budget so that there is no conflict interest. Keywords: Bank Regulation & Supervision, Legal Certainty, OJK Independence

THE INFLUENCE OF POSSESSIVE BRAND NAMES ON CONSUMER DECISIONS AND PREFERENCES: AN EXPLORATION OF THE ROLE OF PERCEIVED CONTROL Aripin, Zaenal; Supriatna, Ucu; Mahaputra, M. Syafarudin
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 2 (2024): Kisa Institute - January
Publisher : PT. Kreatif Indonesia Satu

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The use of possessive brand names has become an important strategy in marketing efforts to strengthen brand identity, attract consumer attention, and differentiate the brand from competitors. However, little research has paid attention to the role of perceived control by consumers in the relationship between brand name possessiveness and consumer preferences. Therefore, this study aims to explore in depth the influence of possessive brand names on consumer decisions and preferences, considering the role of perceived control in these dynamics. This research aims to explore the relationship between possessive brand name use, perceived control by consumers, and consumer preferences for brands. We wanted to understand how the use of possessive brand names influences consumers' perceptions of control and ownership, and how it influences their preferences for certain brands. This research uses the Systematic Literature Review (SLR) research method which allows a thorough exploration of the influence of possessive brand names on consumer decisions and preferences, as well as the role of perceived control in this context. By conducting SLR, this research will compile and analyze various empirical, theoretical and conceptual research relevant to this topic. Data analysis shows a significant relationship between possessive brand name use and perceived control by consumers. The use of a possessive brand name tends to increase the perception of control exerted by the brand over a particular product or service. Additionally, it was found that consumers' perceived control influenced their preference for the brand. Consumers tend to prefer brands that provide a sense of control or ownership.

THE DATA REVOLUTION IN B2B MARKETING STRATEGIES: EXPLORING THE POTENTIAL OF INNOVATION AND CAPABILITIES DEVELOPMENT IN THE DIGITAL ERA Mahaputra, M. Syafarudin; Supriatna, Ucu; Aripin, Zaenal
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 4 (2024): Kisa Institute - March
Publisher : PT. Kreatif Indonesia Satu

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The Data Revolution has significantly influenced B2B marketing strategies in the digital era. This article explores the potential for innovation arising from the use of data in B2B marketing and how companies can develop their capabilities to take advantage of these opportunities. By leveraging data effectively, companies can unearth deeper insights into their customers' behavior and preferences, enabling them to develop more focused, personalized and responsive marketing strategies. The innovation potential includes greater personalization in marketing, development of more targeted marketing campaigns, responsive real-time marketing, and a more integrated and holistic approach to marketing. However, to take advantage of the potential of this innovation, companies must develop their capabilities to manage and analyze data wisely, and ensure that the use of their data is done ethically and in accordance with applicable privacy regulations. By doing this, B2B companies can position themselves to successfully capitalize on the opportunities offered by the Data Revolution and achieve competitive advantage in an increasingly connected and rapidly changing marketplace.

Government Management in the Political Dynamics of Regional Head Elections: A Case Study in Indonesia Saragih, Jopinus; Supriatna, Ucu
PINISI Discretion Review Volume 8, Issue 1, September 2024
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/pdr.v8i1.66367

The political dynamics of regional head elections in Indonesia often intersect with government management practices, creating challenges and opportunities for effective governance. This study aims to explore how government management adapts to and is influenced by the political landscape during regional elections, particularly in terms of decision-making, resource allocation, and public service delivery. Using a qualitative research approach, data were collected through in-depth interviews with government officials, election committee members, and local political figures, complemented by document analysis of election regulations and policies. The findings reveal that political pressures significantly shape government management strategies, often leading to compromises in bureaucratic efficiency to meet electoral demands. Furthermore, the study highlights the role of political actors in influencing government priorities and resource distribution, emphasizing the need for institutional safeguards to maintain neutrality and professionalism in public administration. The results suggest that improving the transparency of government processes during election periods could mitigate political interference and enhance governance outcomes.

ASSESSING THE ROLE OF MANAGEMENT ACCOUNTING IN STRATEGIC DECISION-MAKING AND ORGANIZATIONAL PERFORMANCE Supriatna, Ucu; Ichwanudin, Wawan; Faisal, Ijang
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 10 (2024): Jesocin - September
Publisher : Organisasi Kreatif Indonesia Emas

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Background: The central role of interest rates in macroeconomics cannot be overstated. Interest rates not only influence the economic landscape but also affect consumer spending, investment, and borrowing. Among these, consumer loan demand and bank profitability are two areas significantly impacted by fluctuations in interest rates. Banks adjust their lending practices, and consumers' borrowing behavior shifts according to the prevailing rates, which ultimately influences economic stability. Understanding these dynamics is crucial for both financial institutions and policymakers to craft effective strategies. Aims: This study aims to analyze the effect of interest rate changes on consumer loan demand and the profitability of commercial banks. It seeks to identify patterns, establish causal relationships, and propose actionable insights for financial institutions. Research Method: A mixed-method approach is adopted, employing both qualitative and quantitative data. Time-series analysis is conducted on historical data spanning the last two decades, incorporating macroeconomic variables and interest rate trends. In addition, surveys of consumer attitudes toward loans at different interest rate levels are analyzed to gauge demand sensitivity. Results and Conclusion: Preliminary findings suggest a significant inverse relationship between interest rates and consumer loan demand. Banks experience increased profitability in periods of higher interest rates, although at the cost of potential market contraction. Lower rates generally boost consumer loan demand, but the effects on profitability are more nuanced, depending on the type of loan products offered. Contribution: This research provides a comprehensive analysis of how shifts in interest rates influence consumer behavior and bank profitability. It contributes to a better understanding of how banks should tailor their lending strategies in response to rate changes and provides insights for policymakers on the broader economic implications of interest rate adjustments.

ASSESSING THE ROLE OF MANAGEMENT ACCOUNTING IN STRATEGIC DECISION-MAKING AND ORGANIZATIONAL PERFORMANCE Supriatna, Ucu; Ichwanudin, Wawan; Faisal, Ijang
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 10 (2024): Jesocin - September
Publisher : Organisasi Kreatif Indonesia Emas

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

Background: The central role of interest rates in macroeconomics cannot be overstated. Interest rates not only influence the economic landscape but also affect consumer spending, investment, and borrowing. Among these, consumer loan demand and bank profitability are two areas significantly impacted by fluctuations in interest rates. Banks adjust their lending practices, and consumers' borrowing behavior shifts according to the prevailing rates, which ultimately influences economic stability. Understanding these dynamics is crucial for both financial institutions and policymakers to craft effective strategies. Aims: This study aims to analyze the effect of interest rate changes on consumer loan demand and the profitability of commercial banks. It seeks to identify patterns, establish causal relationships, and propose actionable insights for financial institutions. Research Method: A mixed-method approach is adopted, employing both qualitative and quantitative data. Time-series analysis is conducted on historical data spanning the last two decades, incorporating macroeconomic variables and interest rate trends. In addition, surveys of consumer attitudes toward loans at different interest rate levels are analyzed to gauge demand sensitivity. Results and Conclusion: Preliminary findings suggest a significant inverse relationship between interest rates and consumer loan demand. Banks experience increased profitability in periods of higher interest rates, although at the cost of potential market contraction. Lower rates generally boost consumer loan demand, but the effects on profitability are more nuanced, depending on the type of loan products offered. Contribution: This research provides a comprehensive analysis of how shifts in interest rates influence consumer behavior and bank profitability. It contributes to a better understanding of how banks should tailor their lending strategies in response to rate changes and provides insights for policymakers on the broader economic implications of interest rate adjustments.

EXAMINING THE RELATIONSHIP BETWEEN CUSTOMER ENGAGEMENT AND BRAND ADVOCACY IN DIGITAL PLATFORMS Supriatna, Ucu; Riana, Nia; Aripin, Zaenal
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 4 (2025): Jesocin : April
Publisher : Organisasi Kreatif Indonesia Emas

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Background:With the increasing prominence of digital platforms in modern marketing, customer engagement has become a key driver of brand success. The role of customer engagement in fostering brand advocacy, particularly through the use of digital platforms, has garnered significant attention. One of the most influential factors in this process is user-generated content (UGC), which has been shown to impact brand perceptions and customer behavior. Aims:This study aims to explore the relationship between customer engagement behaviors on digital platforms and brand advocacy, with a particular focus on the role of emotional connection and user-generated content. The research seeks to identify the key factors that influence customer engagement and how these behaviors contribute to brand advocacy, thereby providing insights into effective digital marketing strategies. Research Method:A mixed-methods approach was employed, combining both qualitative and quantitative research methods. Data was collected through surveys and interviews with digital platform users, analyzing their engagement behaviors, emotional connections with brands, and the impact of user-generated content on brand advocacy. The data was then analyzed using statistical methods to identify patterns and correlations. Results and Conclusion:The study found that active customer engagement behaviors, such as commenting and sharing content, were strongly correlated with higher levels of emotional connection to the brand, which in turn increased the likelihood of brand advocacy. User-generated content, particularly positive reviews and social media posts, served as a powerful form of social proof, influencing other customers to trust and engage with the brand. Brands that leveraged personalized content, community-building tools, and influencer collaborations saw higher levels of customer engagement and advocacy. Contribution:This research contributes to the growing body of knowledge on customer engagement and brand advocacy by providing a comprehensive analysis of the factors that drive advocacy behaviors on digital platforms. It highlights the importance of emotional connection, UGC, and platform features in shaping customer perceptions and loyalty. The findings offer valuable insights for brands seeking to enhance their digital marketing strategies and foster long-term customer loyalty.

EXAMINING THE RELATIONSHIP BETWEEN CUSTOMER ENGAGEMENT AND BRAND ADVOCACY IN DIGITAL PLATFORMS Supriatna, Ucu; Riana, Nia; Aripin, Zaenal
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 4 (2025): Jesocin : April
Publisher : Organisasi Kreatif Indonesia Emas

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

Background:With the increasing prominence of digital platforms in modern marketing, customer engagement has become a key driver of brand success. The role of customer engagement in fostering brand advocacy, particularly through the use of digital platforms, has garnered significant attention. One of the most influential factors in this process is user-generated content (UGC), which has been shown to impact brand perceptions and customer behavior. Aims:This study aims to explore the relationship between customer engagement behaviors on digital platforms and brand advocacy, with a particular focus on the role of emotional connection and user-generated content. The research seeks to identify the key factors that influence customer engagement and how these behaviors contribute to brand advocacy, thereby providing insights into effective digital marketing strategies. Research Method:A mixed-methods approach was employed, combining both qualitative and quantitative research methods. Data was collected through surveys and interviews with digital platform users, analyzing their engagement behaviors, emotional connections with brands, and the impact of user-generated content on brand advocacy. The data was then analyzed using statistical methods to identify patterns and correlations. Results and Conclusion:The study found that active customer engagement behaviors, such as commenting and sharing content, were strongly correlated with higher levels of emotional connection to the brand, which in turn increased the likelihood of brand advocacy. User-generated content, particularly positive reviews and social media posts, served as a powerful form of social proof, influencing other customers to trust and engage with the brand. Brands that leveraged personalized content, community-building tools, and influencer collaborations saw higher levels of customer engagement and advocacy. Contribution:This research contributes to the growing body of knowledge on customer engagement and brand advocacy by providing a comprehensive analysis of the factors that drive advocacy behaviors on digital platforms. It highlights the importance of emotional connection, UGC, and platform features in shaping customer perceptions and loyalty. The findings offer valuable insights for brands seeking to enhance their digital marketing strategies and foster long-term customer loyalty.

The Role of Business Strategy Using Information Technology on Branch Offices in Indonesian Sharia Banking Ali, Asep Ghofir; Supriatna, Ucu
Asia Pacific Journal of Management and Education (APJME) Vol 8, No 2 (2025): July 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v8i2.4056

The development of information technology (IT) in the banking sector has transformed service delivery, including in Sharia banking in Indonesia. Digital banking has become a crucial strategy to meet customer needs and enhance competitiveness, especially considering the limited number of Sharia bank office networks compared to conventional banks. This study aims to examine the influence of IT and office networks on the implementation of IT-based business strategies in Indonesian Sharia banking. Using a descriptive-verificative approach, the research applies an explanatory survey method by distributing questionnaires to gather data from selected respondents. The results show that IT has a significant positive effect on the implementation of IT-based business strategies (coefficient = 0.628; T = 2.766; p = 0.006), while the office network does not show a significant direct influence (coefficient = 0.269; T = 1.443; p = 0.150). However, when combined, IT and office networks have a significant simultaneous effect on technology-based business strategies. This implies that although physical office networks remain important, digital infrastructure plays a more dominant role in driving strategic business initiatives in Sharia banking. Strengthening IT systems should be prioritized to enhance service delivery and achieve long-term business goals.

Agile Management Practices in Post-Pandemic Organizations: Enhancing Flexibility and Innovation Supriatna, Ucu
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 9 (2024): Kriez Academy - August
Publisher : Yayasan Kreatif Indonesia Emas

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The COVID-19 pandemic served as a global catalyst, accelerating the need for organizational adaptability and resilience in the face of unprecedented uncertainty and disruption. This study investigates the adoption and implementation of agile management practices within Indonesian firms in the post-pandemic era. It moves beyond the traditional application of agile in software development to explore its broader role in fostering organizational flexibility, enhancing cross-functional collaboration, and driving iterative innovation across various business functions. Through a qualitative case study methodology, which includes in-depth interviews with managers and team leads from a diverse range of organizations (startups, SMEs, and multinational corporations), and a comprehensive review of organizational reports, this paper identifies key success factors, persistent challenges, and the cultural nuances influencing agile transformation in an emerging market context. The findings reveal that while agile has gained significant traction, particularly in the tech sector, its broader institutionalization is hindered by cultural resistance, skill gaps, and short-term strategic thinking. Based on this analysis, the paper proposes a strategic model for sustainable agile transformation that is specifically tailored to the Indonesian business environment, emphasizing the importance of localized frameworks, leadership buy-in, and the creation of a psychologically safe, feedback-driven culture.

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