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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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ANALYZING THE IMPACT OF BIG DATA CREDIT TECHNOLOGY ON MICRO AND SMALL ENTERPRISES (MSE s ) CREDIT ACCESS: AN EVOLUTIONARY GAME PERSPECTIVE IN INDONESIA Aripin, Zaenal; Sjoraida , Diah Fatma; Ayu Amrita, Nyoman Dwika
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 6 (2024): Kisa Institute - May 2024
Publisher : PT. Kreatif Indonesia Satu

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The use of big data credit technology has become a significant trend in the financial industry in Indonesia, with the potential to impact credit access for micro and small enterprises (MSEs). In this context, evolutionary games become a relevant analytical framework for understanding the dynamics of interactions between financial institutions, MSEs and governments in the use of this technology. This study aims to analyze the impact of big data credit technology on MSE credit access in Indonesia, as well as the government's role in regulating the use of this technology and increasing digital inclusivity for MSEs. By utilizing a literature study approach, related articles and reports were analyzed to gain insight into key issues in the use of big data credit technology and evolutionary gaming in Indonesia. From the analysis carried out, it was found that the use of big data credit technology has a significant impact on MSE credit access. While this technology brings benefits in the form of expanded access and increased process efficiency, challenges such as data protection and inequality of access also need to be addressed. In the dynamics of this evolutionary game, governments play an important role in regulating the use of these technologies, ensuring adequate data protection and increasing digital inclusivity for MSEs. Strict but balanced regulation is needed to ensure that the benefits of the use of big data credit technology are enjoyed equally by all parties, while minimizing the risks associated with the use of consumer data. Apart from that, the government also needs to continue their efforts to facilitate digital inclusivity for MSEs through programs such as providing affordable internet access and digital training.  
NAVIGATING ENTERPRISE DIGITALIZATION IN INDONESIA: INSIGHTS FROM A TECHNOLOGY-ORGANIZATION-ENVIRONMENT FRAMEWORK Aripin, Zaenal; Ayu Amrita, Nyoman Dwika; Sjoraida , Diah Fatma
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 6 (2024): Kisa Institute - May 2024
Publisher : PT. Kreatif Indonesia Satu

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The digitalization of companies in Indonesia is a phenomenon that is receiving great attention in line with the acceleration of digital transformation in the industrial era 4.0. In this context, the Technology-Organization-Environment (TOE) Framework becomes important to understand the impact of technology, organizational factors and the external environment on the digitalization process. This article analyzes the role of digital technology in changing business strategies and company operations in Indonesia, as well as organizational and external environmental factors that become obstacles or opportunities in adopting digitalization. First, digital technology has influenced business strategy by enabling market expansion through e-commerce platforms, increasing operational efficiency through integrated management systems, and driving innovation in new products and services. However, organizational challenges such as limited skilled human resources, lack of management awareness of the strategic value of digitalization, and technology incompatibility with existing business processes are the main obstacles to technology adoption. Second, the external environment, especially government policies and market dynamics, plays an important role in shaping the challenges and opportunities in enterprise digitalization. Government policies that support technological innovation such as the Smart City program and national digital infrastructure can facilitate technology adoption. However, challenges arise from complex regulations regarding data security and privacy protection, as well as economic uncertainty that can hinder investment in technology. By analyzing TOE, this article provides comprehensive insight into how companies in Indonesia can navigate digital transformation. Practical suggestions include increased investment in developing skilled human resources, top-level management commitment in designing a digital vision, an organizational culture that is responsive to change, collaboration with the startup ecosystem and research institutions, and a focus on compliance with data security regulations.  
THE EVOLUTION OF SALES ETHICS: ANALYSES OF THE PAST AND STRATEGIES FOR THE FUTURE Aripin, Zaenal; Redjeki, Finny; Ruchiyat, Endang
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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The evolution of ethics in sales practices has become an important subject in the increasingly complex and globally connected context of modern business. This research aims to analyze the development of ethics in sales from a historical perspective to future strategies. Through a literature study approach, this analysis identifies a significant shift from sales practices that focus solely on profits towards more ethical and sustainable practices. The first subchapter explains the evolution from the aggressive and less ethical sales practices of the past to the more transparent and responsible approach of today. The second subchapter highlights trends in modern sales ethics, including the increasing use of technology to increase transparency and personalization in company-consumer relationships. The third subchapter explores the implications of technology, especially artificial intelligence and data analysis, in improving a company's operational efficiency while maintaining high ethical values. The fourth subchapter formulates strategies for the future, including the development of a strict code of ethics, responsible technology implementation, and commitment to corporate social responsibility and sustainability. The conclusions of this research confirm that companies must adopt a holistic approach to ethics in sales to build a strong reputation and sustainable relationships with consumers and society. By integrating ethical values into their business strategies, companies can position themselves to better face future challenges while strengthening competitiveness in an increasingly complex global marketplace.
AN IN-DEPTH EXPLORATION OF EMPIRICAL RESEARCH ON ENTREPRENEURIAL MINDFULNESS: A SYSTEMATIC LITERATURE REVIEW TO EXPLORE NUANCES, FINDINGS, AND CHALLENGES Aripin, Zaenal; Sikki, Nurhaeni; Fatmasari, Raden Roro
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 2 (2024): Jesocin - Januari
Publisher : Organisasi Kreatif Indonesia Emas

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Entrepreneurial spirit can drive a person's success. By having an entrepreneurial spirit, someone will always be active in creating and developing a business, so that many jobs can help the Indonesian nation in alleviating unemployment and poverty. This research uses literature study research with a qualitative approach. The result of this research is that Entrepreneurship is the process of creating something new at the value of using the necessary time and effort, bearing physical risks as well as accompanying social risks, receiving the resulting monetary rewards, meeting needs, and desires through innovation. Someone does entrepreneurship for several reasons, namely financial reasons; Social reasons; Reasons for Service and Reasons for Self-Fulfillment It is not uncommon for someone to be entrepreneurial as well as a form of fulfillment of satisfaction or achievement of themselves. The challenges of entrepreneurship are uncertain income; Losses due to loss of investment capital; It takes hard work and a long time; The quality of life remains low despite steady efforts.
THE INFLUENCE OF SOCIAL MEDIA COMMUNICATION ON CONSUMER PERCEPTIONS OF BRANDS AND PURCHASE INTENTIONS IN THE PANDEMIC AND POST-PANDEMIC ERA: AN ANALYTICAL STUDY Agusiady, Ricky; Saepudin, Didin; Aripin, Zaenal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 2 (2024): Jesocin - Januari
Publisher : Organisasi Kreatif Indonesia Emas

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The global pandemic, particularly the COVID-19 pandemic, has resulted in fundamental changes in consumer behavior, triggering a transformation in their interactions with social media. This research explores the impact of social media communication on consumers' brand perceptions and purchase intentions amid the pandemic and post-pandemic era through a thorough literature review. Detailing findings from relevant journals and information sources, this research provides in-depth insights into the complex dynamics between social media, brand perception and consumer purchase decisions. The literature analysis includes an in-depth understanding of how social media influences the way consumers form perceptions of brands, modify their preferences, and ultimately affect purchase intentions. Findings from related studies are comprehensively integrated to produce a holistic view of the role of social media in shaping consumer behavior. The results of this literature review are expected to contribute to academic understanding and provide practical guidance for companies in adapting their marketing strategies to the evolving consumer dynamics in the pandemic and post-pandemic era.
THE INFLUENCE OF SERVICE QUALITY ON BRAND IMAGE IN THE COMMUNITY(Case Study at Bank Bjb Sukajadi Branch) Tresnadi, Rama; Mulyani, Sri Rochani; Aripin, Zaenal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 2 (2024): Jesocin - Januari
Publisher : Organisasi Kreatif Indonesia Emas

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This study aims to assess the extent of the influence of Service Quality (SerQual) on brand image at PT Bank Bjb Sukajadi Branch. This research has important relevance given the intense competition among banks and non-bank financial institutions. By taking a sample of customers who were borrowers and depositors during the period 2019 to 2021, 100 respondents were involved in this study. The research method used is a quantitative approach with multiple regression analysis. The results of the regression model show a positive coefficient, indicating that any change in service quality has the potential to affect brand image. The coefficient of determination (R2) is 72.8%, indicating that service quality has a significant influence on brand image. The results of hypothesis testing, both partially and simultaneously, show a positive and significant effect of service quality on brand image. The implications of this study show that physical evidence contributes significantly to brand image, while responsiveness contributes less. These results provide a better understanding of the elements of service quality that need to be considered to improve brand image in the banking industry.
OPTIMIZING HUMAN-AI INTERACTION: ARTIFICIAL EMPATHY STRATEGIES IN ENHANCING AFFECTIVE AND SOCIAL CUSTOMER EXPERIENCES Paramarta, Vip; Kosasih; Aripin, Zaenal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 2 (2024): Jesocin - Januari
Publisher : Organisasi Kreatif Indonesia Emas

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Human-AI interaction has become an important focus in the development of more responsive and humane technology. In this context, the use of artificial empathy strategies is of particular interest due to its potential in improving customer experiences affectively and socially. This research aims to explore the optimization of human-AI interactions through the application of artificial empathy strategies in improving affective and social customer experiences. The research approach used is qualitative by reviewing various studies and related literature. The data sources used are journals, articles and books that are relevant to the research topic. From the research results, it was found that the implementation of artificial empathy strategies in human-AI interactions has great potential to improve the quality of interactions and customer experiences. The use of technologies such as natural language processing, emotion recognition, and sentiment analysis can enable AI to respond more precisely and sensitively to user needs and emotions.
THE POTENTIAL AND SUCCESS OF EQUITY CROWDFUNDING IN INDONESIA: EXPLORING THE SIGNALING HYPOTHESIS AND FINANCIAL LITERACY CHALLENGES Kosasih; Paramarta, Vip; Aripin, Zaenal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 2 (2024): Jesocin - Januari
Publisher : Organisasi Kreatif Indonesia Emas

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Stock crowdfunding has become an increasingly popular phenomenon in Indonesia, offering new opportunities for small and medium-sized enterprises (SMEs) to access capital by involving individual investors. However, the success of stock crowdfunding is uncertain and is related to several factors, including the use of signaling hypotheses by companies and the level of financial literacy among investors. This research aims to explore the potential and success of stock crowdfunding in Indonesia by examining signaling hypotheses and the financial literacy challenges faced. The research method used is qualitative, analyzing data from relevant journals, articles, and books. The results show that signaling hypotheses play a significant role in influencing investor interest and the success of stock crowdfunding campaigns. Companies that use positive signals, such as strong financial performance or the participation of prominent investors, tend to be more successful in attracting potential investors. However, financial literacy challenges, such as a lack of understanding of investment concepts and financial risks, are significant barriers to increasing participation and success in stock crowdfunding in Indonesia.
BETWEEN INNOVATION AND CHALLENGES: UTILIZATION OF BLOCKCHAIN AND CLOUD PLATFORMS IN THE TRANSFORMATION OF BANKING SERVICES IN THE DIGITAL ERA Aripin, Zaenal; Paramarta, Vip; Kosasih
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 3 (2024): Jesocin - February
Publisher : Organisasi Kreatif Indonesia Emas

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Banking in the digital era is increasingly pressured to adopt new technologies to update and improve their services. Two prominent technologies in the transformation of banking services are blockchain and cloud computing. Blockchain technology offers security and transparency, while cloud computing provides flexibility and efficiency in IT infrastructure. This research aims to explore the innovations and challenges associated with the utilization of blockchain and cloud technologies in the transformation of banking services in the digital era. We seek to understand how banks implement these technologies and identify factors influencing the success or failure of implementation. The research method used is descriptive qualitative. Data were collected through literature studies from journals, articles, and books relevant to this research topic. Analysis was conducted to identify trends, challenges, and benefits of using blockchain and cloud technologies in banking services. The results show that the utilization of blockchain and cloud technologies has brought significant changes in banking services, including improved security, operational efficiency, and financial inclusion. However, banks also face several challenges, including technical complexity, initial investment costs, and regulatory compliance.
TRANSFORMATION IN THE INTERNET OF THINGS (IOT) MARKET IN THE BANKING SECTOR: A CASE STUDY OF TECHNOLOGY IMPLEMENTATION FOR SERVICE IMPROVEMENT AND TRANSACTION SECURITY Aripin, Zaenal; Saepudin, Didin; Yulianty, Farida
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 3 (2024): Jesocin - February
Publisher : Organisasi Kreatif Indonesia Emas

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The transformation in the Internet of Things (IoT) market has become the primary focus of research and innovation in the banking sector, especially since the onset of the COVID-19 pandemic in 2019. Changes in consumer behavior towards online shopping and integrated payment activities have compelled the banking sector to strengthen its technological infrastructure to meet the demands of an increasingly complex market. Amidst this dynamism, the implementation of technologies such as blockchain and IoT has become crucial in enhancing services and transaction security in the banking sector. The aim of this research is to explore the impacts and challenges faced by the banking sector in adopting IoT technology to improve services and transaction security. This study utilizes a descriptive qualitative approach, involving literature analysis and case studies of IoT technology implementation in several leading banks. The research method involves collecting data from various sources, including scientific journals, articles, and relevant books. Data is also collected through interviews with experts and practitioners in the banking sector who have experience in implementing IoT technology. The results of the research indicate that the implementation of IoT technology in the banking sector has successfully improved the efficiency of transaction services. The use of IoT sensors and connected devices has enabled banks to automate transaction processes and accelerate responses to customer demands. Furthermore, blockchain technology has also brought significant improvements in transaction security by providing decentralized data structures that cannot be manipulated. Despite its success, the study also identifies several challenges in adopting IoT technology in the banking sector, including high implementation costs, complexity in integrating with existing infrastructure, and the need for a deep understanding of this technology. However, with strategic and planned steps, the banking sector can overcome these challenges and harness the full potential of IoT technology to create a better transaction experience for customers and the overall community.
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