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All Journal Dialektika: Jurnal Ekonomi dan Ilmu Sosial HASANUDDIN JOURNAL OF BUSINESS STRATEGY Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Aplikasi Manajemen dan Bisnis (JAMB) Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) AJAD : Jurnal Pengabdian kepada Masyarakat JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) SYNERGY: Jurnal Bisnis dan Manajemen JURNAL PABEAN : PERPAJAKAN BISNIS EKONOMI AKUNTANSI MANAJEMEN Journal Online Manajemen ELPEI (JOMEL) Abdi Cendekia: Jurnal Pengabdian Masyarakat Business Management Jurnal Mutiara Ilmu Akuntansi Jurnal bintang manajemen Teknovokasi : Jurnal Pengabdian Masyarakat Manajemen Kreatif Jurnal Kreativitas Pada Pengabdian Masyarakat (Krepa) Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Sabangka Abdimas Jurnal Pengabdian Masyarakat Sabangka Neraca Manajemen, Akuntansi, dan Ekonomi Master Manajemen Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Celebes Journal of Community Services AKSELERASI: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Akuntansi Jurnal Ilmiah Manajemen dan Akuntansi Ekspresi: Publikasi Kegiatan Pengabdian Indonesia Manfaat: Jurnal Pengabdian Pada Masyarakat Indonesia Pelayanan Unggulan: Jurnal Pengabdian Masyarakat Terapan Jurnal Ekonomi, Manajemen, Akuntansi Journal of Studies in Academic, Humanities, Research, and Innovation Aksi Kita: Jurnal Pengabdian Kepada Masyarakat International Journal of Education Management and Religion Jurnal Ilmiah Manajemen Dan Kewirausahaan Journal of Economics and Management Technologies Jurnal Ilmiah Akuntansi dan Keuangan (JIAN)
Indri Iswardhani
Universitas Negeri Makassar
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TALK SHOW EDUKATIF PARTISIPATIF: MENINGKATKAN LITERASI HAK PRIVASI DAN ETIKA PUBLIKASI DI MEDIA SOSIAL BAGI MAHASISWA Sandira, Nur Fadilah Ayu; Sarah, Nulthazam; Ridhoh, M. Yunasri; Iswardhani, Indri; Nasir, Sri Astuti
Jurnal Pengabdian Masyarakat Sabangka Vol 4 No 04 (2025): Jurnal Pengabdian Masyarakat Sabangka
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/sabangka.v4i04.1613

Abstract

This community service activity aims to improve students’ understanding of privacy rights and ethical publication on social media. The method used was a participatory educational approach through an interactive talk show conducted as part of Edufair 2024 at Universitas Negeri Makassar. Students were actively engaged in open discussions addressing digital ethics and privacy protection. The results indicate an increased awareness among participants to use social media more wisely and responsibly. They began to consider ethical aspects before sharing content and understood the potential legal consequences of privacy violations. This activity contributed positively to shaping students’ critical attitudes toward digital content and encouraged the application of ethics in their daily online behavior.
Sailing Beyond The Gate: Marketing Strategy And Positioning Of Marinor Cafe In A Campus-Bounded Market Sandira, Nur Fadilah Ayu; Sarah, Nulthazam; Nasir, Sri Astuti; Iswardhani, Indri
Jurnal Online Manajemen ELPEI Vol 5 No 2 (2025)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v5i2.442

Abstract

This study aims to analyze the marketing and positioning strategies implemented by Marinor Café in attracting consumers outside the Makassar Maritime Polytechnic (PIP) student environment. Marinor Café is a seafaring-themed culinary business unit located within the PIP Makassar campus area and has been operating since 2020. This study used a descriptive qualitative method with data collection techniques through interviews, observation, and documentation. The results show that Marinor Café's marketing strategy still focuses on product aspects, prices, and interior design, while digital promotion aspects have not been optimally utilized. In addition, the café's positioning is not strong among off-campus consumers due to access barriers and minimal promotion. A SWOT analysis identified that although the café has advantages in thematic concepts and comfortable atmosphere, location barriers and lack of digital exposure are the main challenges. This study concludes that digital promotion optimization, market expansion, and positioning strengthening are needed so that Marinor Café can reach consumers more widely and sustainably.
Pemetaan Bibliometrik Penerapan ISO 31000 : 2018 sebagai Standar Manajemen Risiko : Analisis Visual Berbasis VOSviewer Indri Iswardhani
Jurnal bintang manajemen Vol. 3 No. 3 (2025): September : Jurnal Bintang Manajemen (JUBIMA)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jubima.v3i3.4168

Abstract

This study aims to map the development of literature on the implementation of ISO 31000:2018 as a risk management standard through bibliometric analysis. Using VOSviewer software, this study analyzed 500 scientific articles sourced from Google Scholar. Citation metric analysis results show significant research productivity and impact, with a total of 4,514 citations, an h-index of 34, and a collaboration pattern with an average of 2.40 authors per article. Keyword network mapping identified five main thematic clusters: (1) Risk Management Operational Processes and Stages; (2) Framework and Standard Implementation; (3) Specific Analysis Methods (FMEA); (4) Enterprise Risk Management and Case Study Approaches; and (5) Technology Application. The research findings reveal that this field of study has reached a good level of maturity, with the main focus still on the technical aspects of standard implementation, but has expanded towards integration with digital transformation and enterprise-level risk management approaches. The results of this study can serve as a guide for academics and practitioners in identifying research trends and future risk management development.  
Analisis Kesehatan Sektor Bank Digital yang Terdaftar di BEI dengan Pendekatan Risk Based Bank Rating pada Periode 2022-2024 Iswardhani, Indri
Master Manajemen Vol. 3 No. 3 (2025): Master Manajemen
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/masman.v3i3.1074

Abstract

This study aims to analyze the health of the digital banking sector listed on the Indonesia Stock Exchange (IDX) for the period 2022-2024 using the Risk-Based Bank Rating (RGEC) approach, which involves four main aspects: risk profile, good corporate governance, earnings, and capital. The research method used is descriptive quantitative analysis with secondary data. The sampling method was purposive sampling, which includes four digital banks listed on the IDX: ARTO (Bank Jago Tbk), BBHI (Bank Harda Internasional Tbk), BBYB (Bank Neo Commerce Tbk), and AMAR (Bank Amar Indonesia Tbk). The results show that based on the composite value calculations, these digital banks have shown significant improvement, moving from a composite rating of 3 (PK-3) with a "fairly healthy" predicate in 2022 to a composite rating of 2 (PK-2) with a "healthy" predicate in 2023 and 2024. Although improvements have been made in several key areas, such as risk management and profitability, the main challenges still faced by digital banks are liquidity management and credit quality, reflected in the high Loan to Deposit Ratio (LDR) and significant Non-Performing Loans (NPL). This study also emphasizes the importance of strengthening good corporate governance (GCG) principles and more effective risk management to support the sustainability and growth of the digital banking sector in Indonesia. Therefore, digital banks need to focus more on improving liquidity management, credit quality, and enhancing the efficiency of margin and capital management to overcome future challenges and strengthen their position in the digital banking industry.
Studi Implementasi Manajemen Risiko di PT. Lippo General Insurance Tbk. Selama Periode 2022-2024 Iswardhani, Indri
Manajemen Kreatif Jurnal Vol. 3 No. 3 (2025): Agustus: Manajemen Kreatif Jurnal
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/makreju.v3i3.4155

Abstract

This study analyzes the implementation of risk management at PT Lippo General Insurance Tbk over 2022–2024 using a qualitative descriptive approach. The review focuses on the four core risk-management cycles: identification, measurement, monitoring, and mapping–mitigation and on one key output: the risk profile assessment (inherent risk rating, quality rating of risk-management implementation, and implementation of risk level). The results indicate that risk-management processes are consistent and well documented through a risk register and supported by a Risk Management Information System, enabling rapid linkage of findings to action plans. Overall, the composite risk profile remains low, underpinned by a moderately strong quality of implementation and risk-level application. On the inherent-risk dimension, dynamics are observed: strategic risk improves in the final year, while insurance, credit, and liquidity risks rise relative to 2023. Nevertheless, the consistency of implementation quality and disciplined execution mitigates these effects, keeping the composite profile stable. Managerial implications include strengthening underwriting and claims management, enhancing counterparty and reinsurance quality, and enforcing liquidity discipline, while maintaining a strong risk culture and tiered monitoring mechanisms.
Financial Performance and Valuation Analysis of PT. Sumber Alfaria Trijaya Tbk: Quantitative Insights for Decision-Making Iswardhani, Indri
Journal of Economics and Management Technologies Vol. 1 No. 2 (2025): Journal of Economics and Management Technologies
Publisher : Candela Edutech Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63288/jemtech.v1i2.6

Abstract

The Objectives – This study aims to analyze the financial performance and stock valuation of PT Sumber Alfaria Trijaya Tbk (AMRT) as a basis for investment decision-making. The Methods/approaches – The research employs a quantitative descriptive approach, utilizing financial ratio analysis and the Price Earnings Ratio (PER) method to calculate the intrinsic value of the company’s stock. The data used consists of audited financial reports of PT Sumber Alfaria Trijaya Tbk for the period 2020 to 2024. Financial performance is evaluated using key ratios, including Return on Equity (ROE), Dividend Payout Ratio (DPR), Earnings per Share (EPS), Dividend per Share (DPS), and Price Earnings Ratio (PER). The Results – The results indicate that the company’s financial performance remained stable over the observed period, with an average ROE of 22.72% and consistent growth in EPS and DPS. The intrinsic value of the stock was estimated at IDR 2,852.39 for the second quarter (Q2) of 2025, while the market closing price in Q2 2025 was IDR 2,390.00. The comparison shows that the intrinsic value exceeds the market price, indicating that the stock is in an undervalued condition. Based on these findings, the study concludes that PT Sumber Alfaria Trijaya Tbk has solid financial fundamentals, and its stock price does not fully reflect its intrinsic value. The investment recommendation resulting from this analysis is to buy the stock, as it offers potential capital gains for investors. The Research Implications – This research is expected to contribute practical insights for investors and enrich the academic discussion on fundamental analysis in the retail sector.
Analisis Pengaruh TATO, EPS, dan DPR terhadap Harga Saham pada Perusahaan Indeks Sri Kehati Tahun 2020–2024 Indri Iswardhani
Jurnal Mutiara Ilmu Akuntansi Vol. 3 No. 3 (2025): Juli: Jurnal Mutiara Ilmu Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumia.v3i3.4161

Abstract

This study analyzes the effect of Total Asset Turnover (TATO), Earnings per Share (EPS), and Dividend Payout Ratio (DPR) on the stock prices of firms listed in the SRI-KEHATI Index during 2020–2024, employing a quantitative approach and multiple linear regression. The sample was selected purposively based on the following criteria: firms consistently included in the SRI-KEHATI Index throughout 2020–2024, availability of complete annual financial statements, and availability of dividend and stock price data for the observation period. The results indicate that TATO, EPS, and DPR jointly have a significant effect on stock prices, with R²=0.666, meaning 66.6% of the variation in stock prices is explained by the model, while 33.4% is influenced by other factors outside the model. Partially, EPS and DPR have positive and significant effects on stock prices, whereas TATO is not significant at the 5% level. The findings imply that investors in SRI-KEHATI constituents should prioritize per-share profitability (EPS) and dividend policy (DPR) in fundamental assessments, while TATO should be evaluated with regard to sectoral characteristics and each firm’s operational context.
Dampak COVID-19 pada Profitabilitas Bank Buku 4: Sebuah Studi Komparatif Iswardhani, Indri; Sarah, Nulthazam; Nasir, Sri Astuti; Macenning, A. Reski Almaida Dg; Sandira, Nur Fadilah Ayu
Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 1 (2025): Februari
Publisher : Departement of Accounting Science Faculty of Economics and Business Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69679/jian.v4i1.6507

Abstract

Penelitian ini bertujuan untuk menganalisis perbandingan profitabilitas antara bank BUMN dan bank swasta dalam kategori Buku 4 selama periode 2018-2023, dengan menyoroti dampak pandemi COVID-19 terhadap kinerja keuangan mereka. Objek penelitian meliputi tiga bank BUMN, yaitu Bank Mandiri, Bank Rakyat Indonesia (BRI), dan Bank Negara Indonesia (BNI), serta tiga bank swasta, yakni Bank Central Asia (BCA), Panin Bank, dan Bank Danamon. Kinerja keuangan dianalisis menggunakan indikator profitabilitas utama, seperti ROA (Return on Assets), ROE (Return on Equity), dan NIM (Net Interest Margin). Metode penelitian mencakup analisis data secara deskriptif untuk menggambarkan tren rasio keuangan, serta analisis komparatif menggunakan Independent T-Test untuk mengevaluasi perbedaan pertumbuhan rasioprofitabilitas antara Bank BUMN dan Bank Swasta. Hasil penelitian menunjukkan bahwa pandemi COVID-19 memberikan dampak signifikan terhadap profitabilitas seluruh bank pada tahun 2020. Namun, baik bank BUMN maupun swasta mampu menunjukkan tingkat ketahananyang seimbang dalam menghadapi tantangan tersebut.
Analisis Penyelarasan Inovasi Perbankan Digital Bank Jago dengan Tujuan Pembangunan Berkelanjutan (2022–2024) Indri Iswardhani
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 3 No. 5 (2025): September : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v3i5.1921

Abstract

This research aims to analyze the alignment of Bank Jago’s digital banking innovations with the Sustainable Development Goals (SDGs) during the 2022–2024 period. The method used is a qualitative descriptive analysis with a document study approach, which includes the Annual Report, Integrated Report, and Sustainability Report of Bank Jago over the past three years. The results of the study indicate that Bank Jago’s digital innovations are aligned with the five main dimensions of the SDGs: economic, social, governance, environmental, and partnership. From the economic perspective, digitalization has enhanced efficiency and financial performance through the growth of third-party funds and the expansion of access to digital services. In the social dimension, financial literacy programs, MSME financing, and digital zakat initiatives have strengthened financial inclusion among communities. The governance and environmental aspects demonstrate a commitment to transparency, energy efficiency, and green banking practices. Meanwhile, collaborations with fintech ecosystems and social institutions have reinforced sustainable partnerships. Overall, Bank Jago has implemented a digital transformation strategy aligned with the principles of Strategic Fit and Value Co-Creation, making digital innovation not only an instrument of economic growth but also a means to achieve sustainable development in Indonesia’s banking sector.
Comparative Analysis of Financial Risk Between Conventional and Shariah Banks: A Perspective of Market, Liquidity, and Credit Risks Indri Iswardhani; Rahayu Alkam; Ade Ikhlas Amal Alam
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 2 No. 2 (2025): December 2025
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v2i2.911

Abstract

This study aims to compare financial risk management between conventional and Shariah banks in Indonesia. Financial risk is measured using three key indicators: Net Interest Margin (NIM) as a proxy for market risk, Current Ratio (CR) for liquidity risk, and Non-Performing Loan (NPL) for credit risk. The study employs the Mann–Whitney U Test to examine differences between the two types of banks using a sample of conventional and Shariah banks registered in Indonesia. The results indicate no significant differences between conventional and Shariah banks in terms of NIM and CR, although Shariah banks exhibit a higher yet more volatile NIM and a more stable CR. However, a significant difference is found in NPL, where Shariah banks display higher NPL ratios than conventional banks. These findings suggest that although both types of banks differ in their approaches to managing market and liquidity risks, Shariah banks are more vulnerable to credit risk, as reflected in their higher NPL levels. This study is expected to provide insights for banks and regulators to enhance risk management in both banking systems and serve as a foundation for developing more effective risk management policies in the conventional and Shariah banking sectors.
Co-Authors Achmad Ridha Ade Ikhlas Amal Alam Andi Dewi Angreyani Andi Rinda Oktariani Angreyani, Andi Dewi Aslam, Annisa Paramaswary Azlan Azhari Bando, Ushwa Dwi Masrurah Arifin Josafat Gracia Ginting M. Yunasri Ridhoh Muh. Irshan Sachrir Muhammad Rijal Alim Rahmat Muhammad Rijal Alim Rahmat Nulthazam Sarah Nur Fadilah Ayu Sandira Nurdin Brasit Nurhaedah Nurhaedah Rahayu Alkam Rahmat, Muhammad Rijal Alim Ria Mardiana Rostina Rostina Rostina Rostina Rostina Rostina Sri Astuti Nasir Ushwa Dwi Masrurah Arifin Bando Windarsari, Wiwin Riski