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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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EVALUASI KESEHATAN BANK BERBASIS RISIKO, TATA KELOLA, PROFITABILITAS, DAN PERMODALAN DALAM KERANGKA RGEC PADA PT BANK NEO COMMERCE TBK TAHUN 2022–2024 Indri Iswardhani
Jurnal Ilmiah Akuntansi Vol. 3 No. 2 (2026): Mei : Jurnal Ilmiah Akuntansi (JILAK)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/ehvhyk08

Abstract

This study aims to evaluate the health level of PT Bank Neo Commerce Tbk (BBYB) for the 2022-2024 period using the Risk-Based Bank Rating (RGEC) approach, which includes four main aspects: Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital. The research method used is descriptive quantitative analysis with secondary data sourced from BBYB's annual financial reports. The results show that during the 2022-2024 period, BBYB experienced a consistent improvement in its health level, reflected in the composite score increasing from 66.67% (PK-3 with "fairly healthy" predicate) in 2022 to 75% (PK-2 with "healthy" predicate) in 2024. This improvement was primarily driven by significant enhancements in the risk profile aspect, particularly the LDR ratio which improved from 93% (fairly healthy) in 2022 to 68% (very healthy) in 2024, while NPL remained stable in the healthy category at 2-3%. The profitability aspect showed improvement with ROA increasing from -5.09% (unhealthy) in 2022 to 0.11% (less healthy) in 2024, while NIM consistently maintained a very healthy predicate above 23%. The capital aspect demonstrated very strong performance with CAR consistently above 27% with a very healthy predicate throughout the research period. However, the GCG aspect experienced a decline from "healthy" predicate in 2022 to "fairly healthy" in 2023-2024. This study emphasizes the importance of strengthening GCG principles implementation and continuously improving profitability to support the future growth of digital banks.
Visualisasi Tren Penelitian Risiko Keuangan: Pendekatan Bibliometrik dengan VOSviewer Indri Iswardhani; Muhammad Rijal Alim Rahmat
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 4: Mei 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i4.8918

Abstract

Penelitian ini bertujuan untuk menganalisis tren penelitian terkait risiko keuangan selama periode 2021 hingga 2025 dengan menggunakan pendekatan bibliometrik dan perangkat lunak VOSviewer. Data penelitian diperoleh dari 500 artikel yang relevan yang diambil dari Google Scholar menggunakan aplikasi Publish or Perish. Hasil analisis menunjukkan adanya 1.958 sitasi total dengan rata-rata 489,5 sitasi per tahun dan 3,92 sitasi per artikel. Dari hasil analisis keterkaitan, ditemukan 24 istilah yang terbagi dalam 4 cluster utama yang menggambarkan dimensi utama dalam penelitian risiko keuangan, yaitu manajemen risiko, perbankan, literasi keuangan, dan investasi. Temuan utama dari penelitian ini adalah bahwa meskipun topik-topik seperti risiko pasar dan risiko kredit tetap menjadi perhatian utama, ada pergeseran fokus yang signifikan ke arah literasi keuangan dan investasi, yang semakin mendominasi penelitian dalam beberapa tahun terakhir. Penelitian ini juga mengidentifikasi peningkatan perhatian terhadap sektor perbankan syariah dan lembaga keuangan mikro dalam pengelolaan risiko keuangan. Namun, sektor non-perbankan, terutama lembaga keuangan non-tradisional dan fintech, masih kurang dieksplorasi dalam konteks pengelolaan risiko keuangan, meskipun sektor ini mengalami pertumbuhan pesat dalam beberapa tahun terakhir. Dengan pemetaan tren penelitian ini, diharapkan dapat memberikan wawasan yang lebih dalam tentang arah penelitian di bidang risiko keuangan.
STUDI IMPLEMENTASI MANAJEMEN RISIKO PADA PT ASURANSI MULTI ARTHA GUNA TBK PERIODE 2020-2024 Indri Iswardhani
Jurnal Ilmiah Manajemen dan Akuntansi Vol. 3 No. 2 (2026): Maret : Jurnal Ilmiah Manajemen dan Akuntansi
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/bt8es116

Abstract

This study analyzes the implementation of risk management at PT Asuransi Multi Artha Guna Tbk for the 2020-2024 period using a qualitative descriptive approach with content analysis of annual and sustainability reports. The results show that the company has implemented risk management consistently and structurally through four main pillars. Risk identification is carried out participatively through a risk register with 9 risk categories according to POJK No.44/POJK.05/2020. Risk measurement includes sensitivity analysis of exchange rates, market prices of securities, credit quality, and IBNR. Risk monitoring is conducted in tiers through regular committee meetings and analysis of asset-liability maturity profiles, indicating a strong liquidity position. Insurance risk mitigation is executed through prudent underwriting policies and comprehensive reinsurance strategies through proportional and non-proportional programs. The company's soundness level is rated 2 (healthy) with RBC consistently above 120% and is able to manage limited litigation cases without material impact. The consistency of risk management implementation effectively maintains risk profile stability and supports sustainable business growth.
Green Human Resource Management dalam Literatur 2021–2025: Analisis Bibliometrik dan Sintesis Tematik Indri Iswardhani; Sri Astuti Nasir; Nur Fadilah Ayu Sandira
Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Vol 6 No 1 (2026): Edisi Januari 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jamek.v6i1.2408

Abstract

This study aims to provide a comprehensive overview of the development of Green Human Resource Management (Green HRM) research during the 2021–2025 period, while identifying dominant practices, industrial contexts, methodological trends, and research gaps emerging in recent literature. This work employs a Systematic Literature Review (SLR) approach guided by the PRISMA 2020 protocol and structured using the PICOC framework to clarify the analytical boundaries. A systematic search conducted through the Scopus database generated an initial dataset of 200 articles, which was later screened using inclusion–exclusion criteria, resulting in 93 eligible articles for in-depth analysis. The analysis was carried out through two complementary approaches: bibliometric analysis to map publication characteristics and thematic synthesis to identify substantive patterns in GHRM practices, variable relationships, and organizational settings. The findings indicate a significant increase in Green HRM publications during the review period, with a strong predominance of studies originating from Asian countries and service-related industries such as hospitality, banking, healthcare, and manufacturing. The most frequently examined GHRM practices include green training and development, green recruitment and selection, green rewards, and green performance appraisal. Methodologically, more than 70% of the reviewed studies adopt quantitative survey-based approaches using SEM/PLS, while qualitative and mixed-method studies remain limited. Several research gaps were identified, including the lack of longitudinal designs, the dominance of single-country contexts in developing nations, limited exploration of nontraditional industrial sectors, and the need to examine more diverse mediating and moderating mechanisms. These findings provide a strong foundation for shaping a more comprehensive and sustainable future research agenda on Green HRM.
Transformasi Digital Layanan Gadai Emas: Pengalaman Konsumen dalam Inovasi Layanan Berbasis Aplikasi Tring! by Pegadaian Nur Fadilah Ayu Sandira; Nulthazam Sarah; Indri Iswardhani; Sri Astuti Nasir; Andi Rinda Oktariani
Jurnal Online Manajemen ELPEI Vol 6 No 1 (2026)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v6i1.481

Abstract

This study provides a deeper understanding of how digitalization and service innovation within traditional service institutions are interpreted and experienced by consumers, particularly in the context of gold pawn services through the Tring! by Pegadaian application. The findings indicate that Pegadaian’s digital transformation is not solely oriented toward process efficiency but significantly shapes a service experience that is more convenient, secure, and flexible for users. Perceived ease of use emerges as the most dominant factor in forming a positive consumer experience. A simple interface, clear transaction flow, and the ability to conduct transactions without physical presence enhance perceptions of efficiency and service convenience. These results confirm that the success of digital service innovation largely depends on the extent to which technology aligns with users’ capabilities and needs, rather than merely on system sophistication. Beyond usability, institutional trust plays a central role in the adoption of digital gold pawn services. Pegadaian’s reputation as a state-owned enterprise, the assurance of physical gold availability through a 1:1 system, and data security protections significantly reduce consumers’ psychological risk when engaging in high-value asset-based digital services. This finding suggests that digital transformation in traditional financial services requires a strong foundation of trust to achieve broad acceptance. The study also emphasizes that digitalization does not fully replace conventional services; instead, it fosters a hybrid service model integrating digital and face-to-face channels. This model enables service flexibility while maintaining inclusivity, particularly for consumers with varying levels of digital literacy. Thus, digital innovation functions as a strategic complement that enriches the service ecosystem rather than serving as a complete substitute for physical interaction. Overall, this research contributes to the development of service innovation and consumer experience literature by providing qualitative empirical evidence from a traditional service sector undergoing digital transformation. The findings underscore that the primary value of digitalization lies in consumers’ subjective experiences and in the organization’s ability to continuously align technology, trust, and integrated service channels.
Dari Bertahan Menuju Bertumbuh:Peran Human Capital Pegadaian dalam Transformasi Nasabah Gadai Menjadi Investor Emas Sri Astuti Nasir; Indri Iswardhani; Nulthazam Sarah; Nur Fadilah Ayu Sandira; Josafat Gracia Ginting
Jurnal Online Manajemen ELPEI Vol 6 No 1 (2026)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v6i1.499

Abstract

This study investigates the strategic role of human capital at Pegadaian in transforming customers from a survival-oriented mindset—where gold is perceived merely as a collateral instrument during emergencies—toward a growth-oriented mindset in which gold is understood as a long-term investment asset. Using a qualitative exploratory design, the research is based on in-depth interviews with ten customers who transitioned from pawn service users to gold investors. The findings reveal that this transformation is mediated by Pegadaian employees who act as financial change agents. Three key mechanisms are identified. First, employees build trust by leveraging relationships previously established through pawn transactions. Second, they provide contextualized financial education that bridges traditional perceptions of gold with modern investment concepts. Third, they offer continuous assistance throughout the gold investment process. The results demonstrate that the success of financial institution transformation largely depends on the capacity of its human capital to function as translators of financial culture. Their role extends beyond increasing financial literacy to reshaping customers’ economic behavior from short-term consumption toward long-term wealth accumulation. This study highlights that employee competency development serves as a crucial driver of customer financial literacy and inclusion.
Analisis Pengaruh Risiko Keuangan terhadap Fluktuasi Harga Saham dengan Moderasi Profitabilitas pada Sektor Perbankan: Analysis of the Influence of Financial Risk on Stock Price Fluctuations with Moderation of Profitability in the Banking Sector Indri Iswardhani
Jurnal Aplikasi Manajemen dan Bisnis Vol. 6 No. 1 (2025): Jurnal Aplikasi Manajemen dan Bisnis Oktober 2025
Publisher : Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17239320

Abstract

Penelitian ini bertujuan untuk menganalisis dampak risiko keuangan terhadap fluktuasi harga saham di sektor perbankan, dengan profitabilitas (Return on Assets) sebagai variabel moderasi. risiko keuangan diukur melalui tiga indikator utama, yaitu Net Interest Margin (NIM) sebagai indikator risiko pasar, Current Ratio (CR) untuk risiko likuiditas, dan Non-Performing Loan (NPL) untuk risiko kredit. Penelitian ini menggunakan data dari 36 bank yang terdaftar di BEI pada periode 2020–2024, yang dipilih melalui teknik purposive sampling. Metode analisis yang digunakan adalah Moderated Regression Analysis (MRA) untuk menguji pengaruh langsung serta moderasi. Hasil analisis menunjukkan bahwa NIM, CR dan NPL memiliki pengaruh terhadap harga saham secara simultan. Namun, hanya CR dan NPL yang menunjukkan pengaruh yang signifikan secara parsial, dengan keduanya menunjukkan pengaruh negatif terhadap harga saham. ROA terbukti memperkuat pengaruh negatif CR terhadap harga saham, namun tidak memengaruhi hubungan NIM dan NPL dengan harga saham. Nilai R Square dalam model regresi MRA mencapai 0,458, yang berarti 45,8% variasi harga saham dapat dijelaskan oleh NIM, CR, NPL, dan ROA. Temuan ini memberikan wawasan penting bagi manajemen bank dan investor untuk menilai kinerja saham perbankan dengan mempertimbangkan risiko keuangan dan profitabilitas secara holistik. Kata Kunci: Risiko keuangan, Net Interest Margin, Current Ratio, Non-Performing Loan
Efektivitas Kampanye Instagram Ads terhadap Brand Awareness di Kalangan Gen Z Nulthazam Sarah; Nur Fadilah Ayu Sandira; Indri Iswardhani; Sri Astuti Nasir; Wiwin Riski Windarsari
Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Vol. 4 No. 1 (2025): Edisi Agustus
Publisher : Utiliti Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jeama.v4i1.249

Abstract

Penelitian ini bertujuan menganalisis efektivitas kampanye Instagram Ads dalam membangun brand awareness di kalangan Generasi Z dan mengidentifikasi faktor-faktor yang mempengaruhi efektivitas tersebut. Metode penelitian menggunakan pendekatan kuantitatif deskriptif dengan teknik purposive sampling terhadap 450 responden berusia 18-27 tahun yang merupakan pengguna aktif Instagram minimal 3 jam per hari. Instrumen penelitian berupa kuesioner terstruktur yang telah diuji validitas dan reliabilitas. Hasil penelitian menunjukkan 82,4% responden mampu mengingat merek yang terpapar melalui iklan Instagram dengan top of mind awareness tertinggi pada kategori teknologi (34,7%). Analisis efektivitas format konten mengungkapkan Instagram Reels mencapai performa optimal dengan engagement rate 8,7% dan konversi brand awareness 73,2%, diikuti Stories (61,8%) dan konten gambar (48,7%). Faktor determinan utama efektivitas kampanye adalah autentisitas konten (koefisien determinasi 0,821), relevansi dengan nilai generasi (0,769), timing dan frekuensi paparan (0,643), serta kualitas visual (0,597). Strategi targeting kombinasi menunjukkan efektivitas tertinggi 81% dibandingkan targeting demografis tradisional 45%. Kesimpulan penelitian mengonfirmasi Instagram Ads sebagai platform efektif untuk membangun brand awareness Generasi Z melalui konten visual dinamis yang autentik dengan durasi optimal 15-30 detik.
Analisis Kinerja Keuangan dan Penilaian Saham PT Aneka Tambang Tbk sebagai Dasar Keputusan Investasi Indri Iswardhani; Ushwa Dwi Masrurah Arifin Bando; Nulthazam Sarah; Nur Fadilah Ayu Sandira; Sri Astuti Nasir
Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Vol. 4 No. 1 (2025): Edisi Agustus
Publisher : Utiliti Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jeama.v4i1.256

Abstract

This study aims to analyze the financial performance and assess the fairness of the stock price of PT Aneka Tambang Tbk (ANTM) as a basis for investment decision-making. The approach used is fundamental analysis, measuring five key financial ratios: Return on Equity (ROE), Dividend Payout Ratio (DPR), Earnings per Share (EPS), Dividend per Share (DPS), and Price to Earnings Ratio (PER). In addition, the intrinsic value of the stock is estimated using the PER method and compared to the market price (closing price) to determine its valuation status—whether undervalued, fairly valued, or overvalued. The findings show that during the 2020–2024 period, ANTM recorded stable growth in EPS and DPS, along with a significantly increasing DPR policy. However, the intrinsic value of the stock in Q2 2025 is estimated at Rp1,526.24, which is considerably lower than the market price of Rp3,040, categorizing the stock as overvalued. Based on this analysis, the recommended investment decision is to re-evaluate the feasibility of purchasing ANTM shares. This study emphasizes the importance of using fundamental analysis to understand the balance between a company's financial performance and market expectations in investment decision-making.
Pemberdayaan Desa Wisata Kahayya melalui Implementasi Sistem Digital Signage untuk Meningkatkan Pemasaran Digital dan Customer Experience Indri Iswardhani; Nulthazam Sarah; Nur Fadilah Ayu Sandira; Sri Astuti Nasir; M. Yunasri Ridhoh
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 6 No. 2 (2026): AUGUST 2026
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v6i2.908

Abstract

This community service program aims to empower Kahayya Tourism Village through the implementation of a digital signage system to enhance digital marketing and customer experience. The partners involved are the Kahayya Hills Tourism Awareness Group (Pokdarwis) and the Kahayya Village Government in Bulukumba, South Sulawesi, targeting two pilot shops: Lego-lego Sarrea and Cafe Sawah. The methodology includes five stages: socialization, literacy training, content creation based on local storytelling, installation of integrated digital signage linked to Google Business Profile and social media, mentoring, and sustainability through practical modules and digital learning groups. Results show both shops successfully operated digital signage displaying menus, promotional content, and SOPs connected online. Managers improved their ability to produce promotional content and manage digital platforms, with training scores rising from 58 to 78. The program strengthened business identity and enhanced tourist experiences through modern, interactive services.
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