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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis E-Dimas: Jurnal Pengabdian kepada Masyarakat Jurnal Penelitian Pendidikan IPA (JPPIPA) AFRE Accounting Financial Review JURNAL PENDIDIKAN TAMBUSAI Jurnal Riset Bisnis dan Manajemen Jurnal Ners Abdimas: Jurnal Pengabdian Masyarakat Universitas Merdeka Malang Ministrate: Jurnal Birokrasi dan Pemerintahan Daerah jurnal syntax admiration Jurnal Pengabdian kepada Masyarakat Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Kriez Academy KISA INSTITUE : Journal of Economics, Accounting, Business, Management, Engineering and Society Jesocin : Journal of Jabar Economic Society Networking Forum Jesocin : Journal of Economics, Accounting, Business, Management, Engineering and Society Jurnal Audit, Pajak, Akuntansi Publik IPSSJ
Zaenal Aripin
Univeristas Sangga Buana Bandung
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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DIGITAL TRANSFORMATION IN INDONESIAN SMES: DRIVERS, BARRIERS, AND PERFORMANCE OUTCOMES Aripin, Zaenal; Susanto, Bambang; Agusiady, Ricky
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 11 (2024): KISA INSTITUE : October 2024
Publisher : PT. Kreatif Indonesia Satu

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Background: Indonesian small and medium enterprises (SMEs) constitute 99.9% of all businesses and contribute significantly to national GDP. However, digital adoption remains fragmented, with only 16% achieving advanced integration levels. The acceleration of digitalization post-pandemic has created unprecedented pressure on SMEs to transform digitally while simultaneously facing substantial resource, capability, and infrastructure constraints unique to emerging market contexts. Aims: This research investigates the multifaceted dynamics of digital transformation among Indonesian SMEs by examining: (1) primary drivers compelling digital adoption, (2) critical barriers impeding transformation efforts, and (3) performance outcomes associated with varying digital maturity levels. The study aims to develop a contextualized framework explaining digital transformation patterns in resource-constrained emerging market environments. Research Method: A mixed-methods design combined quantitative survey analysis of 287 SMEs across manufacturing, retail, services, and technology sectors with qualitative interviews of 15 business owners. Data collection spanned Jakarta, Surabaya, and Bandung during March-August 2024. Partial Least Squares Structural Equation Modeling (PLS-SEM) analyzed quantitative relationships while thematic analysis examined qualitative insights, enabling methodological triangulation. Results and Conclusion: Findings reveal customer expectations (β=0.42, p<0.001) as the strongest adoption driver, followed by competitive pressures (β=0.38) and supply chain requirements (β=0.31). Financial constraints emerged as the most cited barrier (73% of respondents), alongside skills gaps (67%) and technical complexity (58%). Digital maturity demonstrates significant positive correlations with operational efficiency improvements (r=0.48), market expansion (r=0.52), and revenue growth (r=0.56). Three distinct transformation archetypes emerged: Compliance-Driven adopters (38%), Strategic Adopters (29%), and Pioneering Transformers (33%). Contribution: This study extends Technology-Organization-Environment (TOE) framework application in emerging markets by demonstrating organizational learning capabilities as critical mediators between external pressures and adoption outcomes. The identification of distinct transformation archetypes reveals heterogeneity in organizational responses, contradicting institutional isomorphism predictions. Findings inform both SME strategic planning and policy interventions supporting inclusive digital economy development.
E-COMMERCE CONSUMER BEHAVIOR TRANSFORMATION IN POST-PANDEMIC INDONESIA Aripin, Zaenal; Fitriana; Yulianty, Farida
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 11 (2024): KISA INSTITUE : October 2024
Publisher : PT. Kreatif Indonesia Satu

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Background: The COVID-19 pandemic accelerated Indonesian e-commerce adoption by 3-5 years, fundamentally altering consumer shopping behaviors, channel preferences, and purchase decision processes. Questions remain regarding behavioral persistence post-pandemic and underlying factors sustaining digital commerce engagement. Aims: This research investigates post-pandemic e-commerce consumer behavior transformation examining persistent behavioral changes, psychological and functional drivers sustaining adoption, and consumer segmentation patterns based on digital literacy and shopping orientations. Research Method: A mixed-methods design combined survey analysis of 342 consumers with 18 in-depth interviews. Statistical analysis utilized paired t-tests for behavioral changes and cluster analysis for segmentation. Results and Conclusion: Findings reveal 67% increase in purchase frequency, 58% category expansion, and 72% preference for online channels versus pre-pandemic baselines. Trust (β=0.44), convenience (β=0.39), and value perception (β=0.36) emerge as primary drivers. Four distinct segments identified: Digital Natives (28%), Pragmatic Adopters (35%), Hesitant Users (24%), Traditional Preferrers (13%). Contribution: This study extends consumer behavior literature by empirically documenting pandemic-accelerated digital transformation persistence and identifying psychological mechanisms sustaining adoption. The segmentation framework provides practical guidance for targeted marketing strategies.
EXPLORING THE ROLE OF CORPORATE GOVERNANCE IN ENHANCING THE TRANSPARENCY OF BANKING INSTITUTIONS Aripin, Zaenal; Susanto, Bambang; Agusiady, Ricky
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 12 (2024): KISA INSTITUE : November 2024
Publisher : PT. Kreatif Indonesia Satu

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Background:Corporate governance is critical for banking stability, with governance failures exposed as root causes of institutional collapse in financial crises. Aims:This study explores corporate governance's role in enhancing transparency and performance of banking institutions. Research Method:Using mixed-methods, we examined governance structures across 30 banks in diverse regulatory environments, analyzing governance metrics, performance indicators, and stakeholder interviews. Results and Conclusion:Banks with independent boards showed 15% higher ROE and 22% lower NPL ratios. Transparency correlated strongly with market valuations. Effectiveness varies across contexts with cultural and regulatory moderators. Contribution:The research elucidates mechanisms through which governance influences banking performance and provides practical frameworks for strengthening governance systems.  
ANALYZING THE IMPACT OF INTEREST RATE CHANGES ON CONSUMER LOAN DEMAND AND BANK PROFITABILITY Aripin, Zaenal; Fitriana; Matriadi , Faisal
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 12 (2024): KISA INSTITUE : November 2024
Publisher : PT. Kreatif Indonesia Satu

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Background:Interest rate changes represent fundamental monetary policy tools with profound implications for consumer borrowing and bank profitability through complex transmission mechanisms. Aims:This research analyzes the impact of interest rate fluctuations on consumer loan demand and bank profitability across different economic contexts. Research Method:Employing longitudinal mixed-methods design, we examined data from 25 banks over five years, incorporating quantitative lending analysis and qualitative consumer/executive insights. Results and Conclusion:1% rate increase corresponds to 12% decrease in loan applications, with mortgages most sensitive. Bank profitability shows complex relationships: 8% increase for diversified portfolios, 3% decrease for consumer-focused institutions. Contribution:The study contributes to monetary policy transmission theory and provides practical frameworks for optimizing product positioning and risk management across interest rate cycles. 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.  
INVESTIGATING THE INFLUENCE OF DIGITAL PAYMENTS ON THE EVOLUTION OF BANKING SYSTEMS AND CONSUMER HABITS Aripin, Zaenal; Anggraeni, Vilma Dewi; Yulianty, Farida
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 12 (2024): KISA INSTITUE : November 2024
Publisher : PT. Kreatif Indonesia Satu

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Background:Digital payment systems revolutionized financial transactions through mobile wallets, contactless payments, and cryptocurrency, challenging traditional banking models. Aims:This study investigates digital payment adoption's influence on banking system evolution and consumer financial habits. Research Method:Employing longitudinal mixed-methods, we analyzed data from 15 banks across six countries (2019-2024), incorporating transaction pattern analysis and insights from 2,500 consumer surveys. Results and Conclusion:76% of consumers regularly use digital payments; cash transactions declined 45%. Transaction frequencies increased 62% with enhanced budgeting awareness. Banks reduced branches 18% while enhancing cybersecurity investments. Contribution:The study contributes to understanding co-evolution of payment technologies and banking systems, providing strategic insights for managing digital transformation in financial services. This study investigates the influence of digital payments on the evolution of banking systems and consumer financial habits, examining adoption patterns, behavioral shifts, and systemic implications. Research Method: Employing a longitudinal mixed-methods approach, this research analyzes transaction data from 15 banks across six countries over a five-year period (2019-2024), complemented by surveys of 2,500 consumers and interviews with banking executives and fintech leaders.   Results and Conclusion: Findings reveal that digital payment adoption has grown exponentially, with 76% of consumers now using at least one digital payment method regularly. This shift has driven significant changes in consumer behavior: reduced cash usage (declining 45% on average), increased transaction frequency (up 62%), and greater financial tracking and budgeting awareness. Banks have responded by restructuring operations, reducing physical branches by 18%, and investing heavily in digital infrastructure. Contribution: This research contributes to understanding the co-evolution of payment technologies and banking systems, providing insights into consumer adaptation patterns and strategic imperatives for financial institutions navigating digital transformation.  
WORK-LIFE BALANCE AND EMPLOYEE PRODUCTIVITY IN INDONESIAN SERVICE SECTOR Susanto, Bambang; Agusiady, Ricky; Aripin, Zaenal
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 7 (2024): KISA INSTITUE : June 2024
Publisher : PT. Kreatif Indonesia Satu

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Background: Work-life balance has become increasingly critical as Indonesian service sector employees face mounting pressures from extended working hours and digital connectivity expectations. Aims: This study investigates the relationship between work-life balance and employee productivity in Indonesian service organizations. Research Method: Survey-based quantitative approach involving 245 employees from banking, telecommunications, and hospitality sectors across Jakarta, Surabaya, and Bandung. Results and Conclusion: Employees reporting good work-life balance demonstrated 28 percent higher productivity scores and 35 percent lower turnover intentions. Flexible working arrangements and supportive organizational culture emerged as key enablers. Contribution: Research provides evidence-based recommendations for Indonesian service organizations to enhance productivity through improved work-life balance policies.  
DIGITAL TRANSFORMATION AND CUSTOMER SATISFACTION IN INDONESIAN BANKING SECTOR Budi Raharja , Arif; Dunya, Muhamad Abi; Aripin, Zaenal
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 8 (2024): KISA INSTITUE : July 2024
Publisher : PT. Kreatif Indonesia Satu

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Background: Indonesian banking sector undergoes rapid digital transformation driven by technological advancement and changing customer expectations. Aims: This study examines relationships between digital transformation initiatives and customer satisfaction in Indonesian banks. Research Method: Survey-based quantitative approach involving 312 banking customers across major Indonesian cities, supplemented by interviews with 15 bank executives. Results and Conclusion: Digital transformation significantly enhances customer satisfaction through improved service accessibility, transaction efficiency, and personalized experiences. Mobile banking adoption reached 87 percent among surveyed customers, with 73 percent reporting increased satisfaction. However, digital divide issues affect older customers and rural populations. Contribution: Research provides insights for Indonesian banks to optimize digital transformation strategies while maintaining inclusive service delivery across diverse customer segments.
Analisis Komunikasi, Motivasi, dan Lingkungan Kerja Melalui Kepuasan Kerja Terhadap Kinerja Pegawai di Instalasi Pelayanan Private Rumah Sakit Wahidin Sudirohusodo Makassar Fransiska Carmelia Subeno; Zaenal Aripin; Rukhiyat Syahidin; Kosasih Kosasih; Vip Paramarta; Farida Yuliaty
Jurnal Ners Vol. 9 No. 4 (2025): OKTOBER 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jn.v9i4.50577

Abstract

Penelitian ini bertujuan menganalisis pengaruh komunikasi internal, motivasi, serta lingkungan kerja terhadap kinerja karyawan, dengan menempatkan kepuasan kerja sebagai variabel antara. Latar belakang masalahnya adalah Instalasi Pelayanan Private RS Wahidin Sudirohusodo Makassar, yang seharusnya menjadi layanan unggulan untuk meningkatkan reputasi dan pendapatan, justru belum mencapai target kontribusi keuangan dan tingkat kepuasan pasien, suatu kesenjangan yang perlu dikaji dari perspektif faktor internal SDM. Data berupa kuesioner yang dikumpulkan dengan menggunakan skala likert yang diberikan kepada 70 pegawai dari berbagai level jabatan, ditambah wawancara terbatas dan kajian dokumen laporan kinerja. Metode analisis jalur digunakan untuk menginvestigasi pengaruh langsung dan tidak langsung dari komunikasi internal, motivasi, lingkungan kerja, kepuasan kerja, dan kinerja. Hasil penelitian mengungkapkan bahwa pegawai yang memiliki motivasi kuat dan berada dalam lingkungan kerja yang nyaman menunjukkan peningkatan kinerja yang signifikan, yang terlihat dari produktivitas, mutu layanan, serta rasa puas dalam bekerja. Sebaliknya, komunikasi internal belum berdampak substansial terhadap peningkatan tersebut. Berdasarkan temuan itu, rekomendasi praktis yang paling prioritas adalah fokus pada dua hal peningkatan motivasi pegawai lewat program pengakuan dan pelatihan, serta penciptaan lingkungan kerja yang lebih produktif. Sistem komunikasi internal yang masih belum optimal juga harus diperbaiki, karena mustahil mengharapkan peningkatan kinerja layanan premium di instalasi ini tanpa pembenahan ketiga aspek tersebut.
PEMBERDAYAAN UMKM KELURAHAN SUKABUNGAH MELALUI STRATEGI PEMASARAN, PENETAPAN HARGA POKOK PRODUKSI, DAN EDUKASI PAJAK BERBASIS KOPERASI Kosasih, Kosasih; Vip Paramarta; Farida Yuliaty; Fitriana, Fitriana; Enung Susilawati; Erwan Komara; Taufik Zulfikar; Haddan Dongoran; Y. Ony Djogo; Zaenal Aripin; Erdi Maulana; Astrid Altaira Chandra; Rulia, Rulia
J-ABDI: Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 10 (2026): Maret 2026
Publisher : Bajang Institute

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Program Pengabdian Kepada Masyarakat (PKM) ini bertujuan memberdayakan UMKM Kelurahan Sukabungah Kecamatan Sukajadi Kota Bandung khususnya di RW 07. Metode yang digunakan di PKM ini adalah observasi dan edukasi. Observasi lapangan dilakukan melalui urun rembug dengan Ketua RW, para tokoh masyarakat, dan penggerak PKK. Sedangkan edukasi dilakukan melalui pelatihan dan penyuluhan kepada para pelaku UMKM. Materi pelatihan meliputi pengelolaan koperasi, stratergi bisnis dan pemasaran, pengelolaan dana UMKM dan penetapan harga pokok. Luaran yang dihasilkan dari kegiatan PKM ini mencakup peningkatan kompetensi pelaku UMKM, terbentuknya koperasi terorganisir, modul pelatihan, dan publikasi ilmiah. Program dilaksanakan selama 2 bulan (Desember 2025 s.d. Januari 2026) dengan melibatkan kolaborasi antara tim dosen multidisiplin, mitra UMKM, Pemerintah setempat baik RW maupun Kelurahan. Keberlanjutan program akan diwujudkan melalui pendampingan terhadap UMKM dalam menjalankan koperasi dan mengelola usahanya sebagai wadah pemberdayaan berkelanjutan dan melibatkan mahasiswa dalam skema magang atau penelitian lanjutan.
HUMAN CAPITAL ANALYTICS AND DECISION MAKING Aripin, Zaenal; Haryaman, Adang; Ariyanti, Maya
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 2 No. 12 (2025): Kisa Institute : December 2025
Publisher : PT. Kreatif Indonesia Satu

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Amid rapid digital transformation, the impact of the COVID-19 pandemic, and increasing sustainability demands from stakeholders, organizations face complex challenges in optimizing human capital to achieve sustainable competitive advantage. Conventional approaches are often no longer sufficient. Therefore, human capital analytics has become an essential instrument in supporting data-driven decision-making, strengthening organizational agility, fostering innovation, and enhancing cross-functional collaboration (Davis & Kumar, 2024; Buchory et al., 2024). This study aims to investigate the role of HR analytics in strategic decision-making, identify the drivers of transformation and implementation barriers, and analyze their implications for various organizational performance outcomes. This research employs a mixed-methods design with two primary approaches. First, a quantitative survey was conducted involving 312 senior managers in Southeast Asia (response rate 26%) between January and September 2024, using 87 validated Likert-scale items. Second, qualitative case studies were carried out in 28 cross-sector organizations through 94 semi-structured interviews (average duration 75 minutes), direct observations, and document analysis. Data analysis was performed using multivariate techniques, including regression and correlation (e.g., r = 0.67 for the communication variable), as well as thematic coding to ensure triangulation of findings. The findings indicate that 78% of organizations initiated transformation within the last three years, primarily driven by competitive pressures (72%) and technological advancements (68%). A phased transformation approach supported by change management practices—with a budget allocation of 15–20%—achieved success rates of 71–83%. The impacts include a 34% increase in efficiency (range 18–67%), a 28% rise in customer satisfaction, a 22% improvement in employee engagement, and an 18% growth in financial margins. The primary barrier, organizational resistance (68%), was effectively mitigated through early stakeholder involvement (+140%) and intensive training programs (+165%). This study contributes by developing an evidence-based framework to strengthen HR analytics capabilities, providing actionable insights for HR practitioners, organizational leaders, and policymakers in the VUCA context of Southeast Asia, and offering recommendations for future research agendas, including longitudinal studies to examine the sustainability of transformation impacts.
Co-Authors Achmad Noerkhaerin Putra Adang Haryaman Adi Suroso Agusiady, R. Ricky Alfian, Achmad Anggraeni, Vilma Dewi Aristanto, Eko Asep Gunawan Astrid Altaira Chandra Ayu Amrita , Nyoman Dwika Ayu Amrita, Nyoman Dwika Bambang Susanto Budi Raharja , Arif Budi Raharja, Arif Debie K. R. Kalalo Dendi Nugraha Dianvayani, Giska Didin Saepudin Dunya, Muhamad Abi Dwika Ayu Amrita, Nyoman Endang Fatmawati Endang Ruchiyat Enung Susilawati Erdi Maulana Ermeila, Sri Erwan Komara Etty Sofia Mariati Asnar Faisal, Ijang Fakhry Amin Farida Yulianty Farida Yuliaty Fatmasari, Raden Roro Fitriana Fitriana Fitriana Fitriana Fitriana Fitrianti, Nida Garnida Fransiska Carmelia Subeno Gjosphink Putra Umar Sakka Gulo, Nurdelima Haddan Dongoran Harto Necsen Linelejan Herry Achmad Buchory Ijang Faisal Indri Damayanti Indri Damayanti Jaja Suteja Kosasih Kosasih KOSASIH KOSASIH, KOSASIH Lili Adi Wibowo M. Syafarudin Mahaputra Mahaputra, M. Syafarudin Marasabessy, Maharani Regita Mariati Asnar, Etty Sofia Matriadi, Faisal Maya Ariyanti Muhammad Syahrul Hidayat Mulyani , Sri Rochani mulyani, sri rochani Nia Riana Nida Garnida Fitrianti Novianha Pynatih, Ngurah Made Nugraha, Ramlan Indra Nugroho, Taufan Padma Hanuun, Nazhira Nindya Padma Negara, M. Rizqi Palittin, Normayanti Prihat Assih Raden Roro Fatmasari Redjeki, Finny Riana, Nia Ricky Agusiady Rukhiyat Syahidin Rulia, Rulia Ryan Aldiansyah Akbar Saepudin, Didin Salsabila, Unik Hanifah Sikki, Nurhaeni Sitanggang, Erikson Sjoraida , Diah Fatma Sri Ermeila Sri Rochani Mulyani Suganda, Uce Karna Sugeng Haryanto Sunardi Sunardi Sunarjo Sunarjo Supriatna, Ucu SUSANTI Syahidin, Rukhiyat Syarif Hidayatullah Taufik Zulfikar Tekat Sukomardojo Tresnadi, Rama Ucu Supriatna Vip Paramarta Vip Paramarta Vip Paramarta Wawan Ichwanudin Wawan Ichwanudin Widjajanti Utoyo Y. Ony Djogo Yolistina, Anggun Yulianty, Farida