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All Journal Jurnal Paradigma Ekonomika JURNAL PEMBANGUNAN DAN KEUANGAN DAERAH Syntax Literate: Jurnal Ilmiah Indonesia JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Ihtifaz: Journal of Islamic Economics, Finance, and Banking Gema Wiralodra Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Indonesian Capital Market Review Jurnal Pendidikan Indonesia (Japendi) Eduvest - Journal of Universal Studies
Hanggraeni, Dewi
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Aerospace Engineering Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences Other

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Effect of Share Ownership Concentration, Audit Committee Meeting Frequency, Type of External Auditor, and Risk Monitoring Committee Size on Operational Risk Disclosure in Non-Bank Financial Services Institutions (LJKNB) for the 2019-2023 Period Naomi, Jane; Akbar, Lolita; Galuh Savitri, Ardila; Syamsi, Rachmi; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6772

Abstract

In an increasingly complex global business environment, effective corporate governance is one of the main pillars to maintain economic stability and encourage sustainable growth in the financial sector. This study aims to analyze the Effect of Share Ownership Concentration, Audit Committee Meeting Frequency, Type of External Auditor, and Risk Monitoring Committee Size on Operational Risk Disclosure in Non-Bank Financial Services Institutions (LJKNB) for the 2019–2023 Period. The content analysis method was used to collect operational risk disclosure data from the annual reports of 42 LJKNB listed on the IDX during the period 2019 to 2023. Using GLS regression analysis, this study shows the influence of governance on the disclosure of operational risks quantitatively and qualitatively. The results show that the concentration of share ownership, the number of audit committee meetings, and the external auditors of the Big 4 have a significant positive effect on the disclosure of quantitative operational risks, while the number of risk monitoring committees has a significant negative effect. The four governance variables did not have a significant effect on the qualitative disclosure of operational risks
Business Continuity Management BETH3 (Building, Equipment, Technology, Human Resources and 3rd Party) : A Conceptual Framework in Banking Sector Hadiwibowo, Arief; Pranata Ganda Dimulya, Aditya; Arum Handayani, Gabriela; Jauhari, Tantowi; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6773

Abstract

This study analyzes the challenges of Business Continuity Management (BCM) for the banking sector, especially conventional commercial banks in facing various operational challenges. BCM serves as a framework to help minimize the impact of disruption on the banking sector in the face of risks such as natural disasters, pandemics, and cyberattacks. The methods used include Business Impact Analysis (BIA), development of recovery strategies, and implementation of sustainable mitigation measures with the implementation of the BETH3™ framework and international standards such as ISO 22301, so as to provide systematic guidance in identifying critical assets and designing integrated mitigation measures, which include building elements, equipment, technology, human resources, and third parties in the bank Conventional. The results of the study show that BCM not only allows the banking sector to survive and adapt to the crisis, but also accelerates operational recovery. With a focus on continuous improvement, the implementation of the BETH3™ framework in BCM can prepare the Bank to face challenges more prepared and adaptive. The need for stronger collaboration with external parties, such as regulators and technology providers, as well as the importance of regular training for employees to ensure readiness to deal with crisis situations. Thus, the banking sector can be better prepared to face challenges and maintain competitiveness in a dynamic market
Operational Risk and Bank Profitability: Analyzing BOPO and Efficiency Ratios in Indonesian Commercial Banks Irawan, Panji; Damayanti, Evita; Putri Pratama, Riza; Denita Siagian, Lina; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6775

Abstract

The banking industry has a crucial role in the financial stability of a country. In this context, operational risk management is an important factor that affects the profitability of banks. This study aims to analyze the relationship between operational risk, which is measured using Operating Costs to Operating Income (BOPO) and Efficiency Ratio, on the profitability of commercial banks in Indonesia represented by Return on Assets (ROA). This study uses panel data from 49 commercial banks in Indonesia during the period Q3 2012 to Q3 2024. The analysis was carried out using  the Ordinary Least Squares (OLS), Fixed Effects, and Random Effects methods  to identify the impact of operational risks on profitability. The results show that BOPO and Efficiency Ratio have a significant negative influence on ROA. This indicates that increased operational risk, both through cost efficiency and asset efficiency, can reduce bank profitability. In addition, macroeconomic variables such as Gross Domestic Product (GDP) and bank-specific variables such as Non-Performing Loans (NPLs) were also found to have a significant effect on ROA. This study emphasizes the importance of implementing effective operational risk management strategies to improve bank financial performance. This study contributes by providing empirical evidence on the relationship between operational risk and profitability in the context of Indonesian banking, and offers recommendations for strengthening operational risk management through cost efficiency, regulatory compliance, and strengthening internal oversight.
The Impact of Digital Transformation on Organizational Performance and Operational Risks in Banking Sector Haryanti, Rika Ayu; Anugrah, Bimo; Gustama, Abi; Farid Rahmadani, Dwi; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6776

Abstract

This study examines the impact of digital transformation (DT) on organizational performance and operational risks in the banking sector. Internal factors analyzed include communication, comprehension of DT, operational technology readiness, process complexity, risk monitoring, and operational risk training, while external factors encompass regulatory compliance, digital experience, budget constraints, and cyber resilience. Using fuzzy-set qualitative comparative analysis (fsQCA) on survey data from 100 Indonesian banking professionals, the findings highlight the critical role of risk monitoring and operational technology readiness among internal factors, and cyber resilience and budget allocation among external factors. The interplay of these elements, such as combining risk monitoring with cyber resilience, is key to optimizing performance and mitigating risks. This study provides actionable insights for practitioners, policymakers, and scholars, emphasizing the alignment of internal capabilities with external demands. It highlights the importance of streamlined processes, cybersecurity frameworks, and supportive regulations for sustainable DT. While limited by sample size and subjective data, the research identifies opportunities for future studies, including cross-sectoral analyses and the use of objective performance metrics.
The Influence of ESG on Operational Risk of Bank Issuers in Indonesia for the Period of 2019 – 2023 Mukti, Rizky Jati; Handi, Handi; Nuswantoro, Kresna; Jemitra, Jemitra; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6777

Abstract

This study investigates the relationship between environmental, social, and governance (ESG) scores and operational risk of banks in Indonesia. Using panel data from 17 bank issuers in Indonesia during the period 2019–2023 with a dynamic panel regression approach, the results showed that ESG scores did not have a significant influence on operational risk, although the coefficients showed indications of a negative relationship. These findings reflect the limited implementation of ESG in Indonesia's banking sector and the lack of uniform reporting standards and supporting infrastructure. In contrast, internal variables such as bank size (SIZE), profitability (ROA), and equity (ROE) show a significant relationship with operational risk. Bank size is negatively correlated with operational risk, while profitability shows a significant positive correlation. This study provides new insights into the importance of managing internal factors in mitigating operational risks, as well as highlighting the need to strengthen ESG regulations in Indonesia to improve the sustainability of the banking sector
PENGARUH PENDAPATAN PREMI, HASIL UNDERWRITING, HASIL INVESTASI, RISK BASED CAPITAL, DAN BEBAN OPERASIONAL TERHADAP LABA BERSIH PADA PERUSAHAAN ASURANSI TBK PERIODE 2019 - 2024 Utari, Karina; Widianto, Naura Khansa; Aliya Prianto, Nashwa; Abinaya, Salsabil Raditya; Filzah, Syarifina Aulia; Hanifah, Nuha Salma; Fajri Fierdausz, Muhammad Faiz; Hanggraeni, Dewi
JAMBURA: Jurnal Ilmiah Manajemen dan Bisnis Vol 9, No 1 (2026): JIMB - VOLUME 9 NOMOR 1 MEI 2026
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jimb.v9i1.38803

Abstract

Penelitian ini ditujukan guna menganalisis pengaruh Pendapatan Premi, Hasil Underwriting, Hasil Investasi, Risk Based Capital (RBC), serta Beban Operasional terhadap Laba Bersih pada perusahaan asuransi yang terdaftar di Indonesia Stock Exchange (Tbk) periode 2019 2024. Fenomena lonjakan klaim kesehatan akibat inflasi medis dan transformasi digital industri pasca-pandemi menjadi latar belakang utama dilakukannya kajian ini. Metode penelitian yang dipergunakan ialah kuantitatif melalui analisis regresi linear berganda. Data didapat melalui laporan keuangan tahunan perusahaan asuransi Tbk yang memenuhi kriteria purposive sampling. Hasil penelitian harapannya bisa memberi gambaran mendalam terkait bagaimana variabel teknis serta biaya operasional secara simultan menentukan stabilitas Laba Bersih di tengah dinamika ekonomi yang fluktuatif. Selain itu, penelitian ini menguji adanya potensi idle capital pada tingkat RBC yang terlalu tinggi dan dampaknya terhadap optimalisasi profitabilitas perusahaan.
THE EFFECT OF INSURANCE RISK AND RISK BASED CAPITAL ON PROFITABILITY OF PUBLICLY LISTED INSURANCE COMPANIES IN INDONESIA (2020-2024) Ramadhan, Muhammad Irsyad; Adrian, Filipus Bertrand; Armansyah, Shafwan Nugraha; Latif Rustam, Mohamad Abdul; Fathia Farrin, Nayla; Cahyaningrum, Ni Kadek Nadia Dwita; Abdurrahman, Mumtaz Januarsah; Hanggraeni, Dewi
JAMBURA: Jurnal Ilmiah Manajemen dan Bisnis Vol 9, No 1 (2026): JIMB - VOLUME 9 NOMOR 1 MEI 2026
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jimb.v9i1.38786

Abstract

Industri asuransi memegang peranan strategis dalam sistem keuangan nasional, namun tantangan efisiensi operasional dan profitabilitas masih menjadi persoalan yang belum sepenuhnya terselesaikan. Fokus penelitian ini adalah menganalisis pengaruh indikator risiko asuransi–meliputi loss ratio, retention ratio, premium growth ratio, dan technical ratio–serta Risk-Based Capital (RBC) terhadap kinerja keuangan yang diproksikan melalui Return on Assets (ROA), dengan ukuran perusahaan sebagai variabel kontrol. Penelitian menggunakan desain kuantitatif kausal dengan data panel seimbang yang mencakup 15 perusahaan asuransi yang terdaftar di Bursa Efek Indonesia selama periode 2020–2024, menghasilkan 75 observasi. Pemilihan model dilakukan melalui serangkaian uji Chow (p = 0,0371), Hausman (p = 0,6400), dan Lagrange Multiplier (p = 0,0943), yang secara keseluruhan mengindikasikan Common Effect Model (CEM) dengan metode Pooled OLS sebagai spesifikasi terbaik. Model secara keseluruhan signifikan (F = 7,54; p = 0,000) dengan R² sebesar 0,3995 dan Adjusted R² sebesar 0,3465. Hasil estimasi menunjukkan bahwa loss ratio berpengaruh negatif dan signifikan terhadap ROA (β = −0,0234; p = 0,000), sementara retention ratio (β = 0,0281; p = 0,026) dan technical ratio (β = 0,0050; p = 0,038) berpengaruh positif dan signifikan. Sebaliknya, premium growth ratio (β = 0,0009; p = 0,945) dan RBC (β = 0,0011; p = 0,108) tidak menunjukkan pengaruh yang signifikan terhadap ROA dalam periode pengamatan. Terindikasi dalam temuan ini bahwa efektivitas manajemen risiko underwriting dan kecukupan cadangan teknis asuransi lebih menentukan profitabilitas perusahaan dibandingkan dengan ekspansi volume premi maupun tingkat solvabilitas modal semata.
Co-Authors Abdurrahman, Mumtaz Januarsah Abinaya, Salsabil Raditya Adrian, Filipus Bertrand Akbar, Lolita Aliya Prianto, Nashwa Ananda Raf’i, Muhammad Anita, Vera Anugrah, Bimo Arief Hadiwibowo Armansyah, Shafwan Nugraha Arum Handayani, Gabriela Ayu Nindita, Safira Cahyaningrum, Ni Kadek Nadia Dwita Christina Pasaribu, Maria Damayanti, Evita Darmawan, Rahmat Dimas Denita Siagian, Lina Dipo Alam, Dipo Fadli Rahman, Fadli Fajri Fierdausz, Muhammad Faiz Farid Rahmadani, Dwi Fathia Farrin, Nayla Febriyanti, Laksmita Filzah, Syarifina Aulia Fredrick Kaban, Ferry Galuh Savitri, Ardila Gustama, Abi HANDI, HANDI Hanifah, Nuha Salma Hartini, Eka Rathmanty Merry Hartono, Cipto Haryanti, Rika Ayu Hidayat, Sofyan Irawan, Panji Jauhari, Tantowi Jemitra, Jemitra Junaidi, Wakhid Kurnia Putri, Famy Kurnia, Robby Kurniawan, Adithya Kurniawan, Ferdian Ari Kusumawardhani, Febriyati Kuswanto, Luna S. Latif Rustam, Mohamad Abdul M. IQBAL ALFARISI Mujaddid Ahwali, Ahmad Mukti, Rizky Jati Naomi, Jane Nuswantoro, Kresna Pranata Ganda Dimulya, Aditya Putri Pratama, Riza Rahayu, Renata H. Ramadhan, Muhammad Irsyad Rasyid, Huzaifah Ar Sijabat, Rizky A. Sinulingga, Grace Meintha Carolina Steven Steven Susanto, Philipus Syamsi, Rachmi Syamsi, Rachmii Tamala, Putri Triana, Dea R. Utari, Karina Widianto, Naura Khansa Wilopo, Rinaldi Wowiling, Lucky G.