Article Per Year (5 Year)
p-Index From 2021 - 2026
15.267
P-Index
This Author published in this journals
All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis E-Dimas: Jurnal Pengabdian kepada Masyarakat Jurnal Penelitian Pendidikan IPA (JPPIPA) 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 Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Jurnal Akuntansi dan Keuangan 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 Jurnal Pengabdian Bersama Masyarakat Indonesia 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

Published : 133 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 133 Documents
Search

 7   8   9   10   11 
E-COMMERCE CONSUMER BEHAVIOR TRANSFORMATION IN POST-PANDEMIC INDONESIA Zaenal Aripin; Fitriana; Farida Yulianty
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 11 (2024): KISA INSTITUE : October 2024
Publisher : PT. Kreatif Indonesia Satu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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 Zaenal Aripin; Bambang Susanto; Ricky Agusiady
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 12 (2024): KISA INSTITUE : November 2024
Publisher : PT. Kreatif Indonesia Satu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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 Zaenal Aripin; Fitriana; Faisal Matriadi
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 12 (2024): KISA INSTITUE : November 2024
Publisher : PT. Kreatif Indonesia Satu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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 Zaenal Aripin; Vilma Dewi Anggraeni; Farida Yulianty
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 12 (2024): KISA INSTITUE : November 2024
Publisher : PT. Kreatif Indonesia Satu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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 Bambang Susanto; Ricky Agusiady; Zaenal Aripin
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 7 (2024): KISA INSTITUE : June 2024
Publisher : PT. Kreatif Indonesia Satu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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 Arif Budi Raharja; Muhamad Abi Dunya; Zaenal Aripin
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 8 (2024): KISA INSTITUE : July 2024
Publisher : PT. Kreatif Indonesia Satu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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.
HUMAN CAPITAL ANALYTICS AND DECISION MAKING Zaenal Aripin; Adang Haryaman; Maya Ariyanti
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 2 No. 12 (2025): Kisa Institute : December 2025
Publisher : PT. Kreatif Indonesia Satu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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.
SUSTAINABLE PACKAGING SOLUTIONS AND INNOVATION Zaenal Aripin; Arif Budi Raharja; Nyoman Dwika Ayu Amrita
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 2 No. 12 (2025): Kisa Institute : December 2025
Publisher : PT. Kreatif Indonesia Satu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Background: The global packaging industry faces mounting pressure from environmental degradation, stricter regulatory frameworks, and rising stakeholder expectations regarding sustainability. Conventional packaging practices, heavily reliant on single-use plastics and non-recyclable materials, contribute significantly to pollution, resource depletion, and carbon emissions. The COVID-19 pandemic further exposed vulnerabilities in packaging supply chains while simultaneously accelerating consumer awareness of environmental responsibility. As a result, organizations must urgently innovate toward sustainable packaging solutions that balance ecological performance with economic viability and operational efficiency. Aims: This study investigates the drivers, implementation approaches, barriers, and performance outcomes of sustainable packaging innovation across manufacturing and retail organizations in Southeast Asia, with a focus on developing an evidence-based framework for practitioners and policymakers. Method: A mixed-methods design was employed, combining a quantitative survey of 312 senior managers across Southeast Asia (response rate 26%) using 87 validated Likert-scale items, and qualitative case studies from 28 cross-sector organizations through 94 semi-structured interviews averaging 75 minutes each, supplemented by direct observation and document analysis. Quantitative data were analyzed using multivariate regression and correlation techniques (e.g., r = 0.67 for the communication variable); qualitative data underwent systematic thematic coding with triangulation. Results: Findings reveal that 78% of organizations initiated sustainable packaging transformation within the last three years, driven primarily by regulatory compliance (72%) and market demands for eco-friendly products (68%). Phased implementation approaches supported by change management practices — with a budget allocation of 15–20% — achieved success rates of 71–83%. Organizations adopting sustainable packaging reported an average 34% reduction in material waste (range 18–67%), a 28% improvement in customer satisfaction, a 22% increase in brand equity scores, and an 18% reduction in long-term packaging costs. Organizational resistance (68%) emerged as the primary barrier, effectively mitigated through early stakeholder involvement (+140%) and comprehensive employee training programs (+165%). Contribution: This study develops an evidence-based framework for advancing sustainable packaging capabilities, offering actionable insights for industry practitioners, organizational leaders, and environmental policymakers navigating the circular economy transition in Southeast Asia.  
ACCEPTANCE OF BLOCKCHAIN TECHNOLOGY IN SUPPLY CHAIN MANAGEMENT IN INDONESIA: AN INTEGRATED MODEL FROM THE PERSPECTIVE OF SUPPLY CHAIN PROFESSIONALS FOR SUSTAINABILITY Uce Karna Suganda; Herry Achmad Buchory; Zaenal Aripin
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 2 (2024): Kriez Academy - January
Publisher : Yayasan Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Blockchain technology is a significant breakthrough in the world of modern supply chain management. In the Indonesian context, this study places emphasis on the acceptance of blockchain technology by professionals in the supply chain industry. The research is based on the understanding that efficient supply chain management is an essential element of business success in the current era of globalization. The integrated model developed in this research involves an inclusive approach that takes into account multiple perspectives from supply chain professionals. In the process, we analyze the level of acceptance of blockchain technology, identify the benefits that this technology can provide, and illustrate the potential role of blockchain in improving sustainability in the supply chain. The results show that the acceptance of blockchain technology in Indonesia is positive. Supply chain professionals recognize the added value that this technology can provide in improving transparency, security, and efficiency in their supply chains. The integrated model proposed in this study provides valuable guidance for Indonesian supply chain practitioners in implementing blockchain technology in their operations. As such, this research makes an important contribution to the understanding of the acceptance of blockchain technology in the context of supply chain management in Indonesia, which can support steps towards a more efficient, transparent, and sustainable supply chain in the future.
Pendampingan Perhitungan Potensi Penerimaan Retribusi Pelayanan Persampahan di Kabupaten Bandung Eko Aristanto; Zaenal Aripin; Aspan Priana; Idris Idris; Vonny Novera; Diana Purnamasari; Wasinininingsih Wasinininingsih; Angga Sukmana
Jurnal Pengabdian Bersama Masyarakat Indonesia Vol. 4 No. 3 (2026): Juli : : Jurnal Pengabdian Bersama Masyarakat Indonesia
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jpbmi.v4i3.995

Abstract

This community engagement program aimed to assess the revenue potential of municipal solid waste service charges based on the mapping of chargeable service users and the applicable service tariffs stipulated in Bandung Regency Regional Regulation No. 9 of 2023 on Regional Taxes and Regional Charges. The strategic partners involved in this program included the Bandung Regency Environmental Agency, the Regional Technical Implementation Unit (UPTD) for Solid Waste Collection and Transportation, Integrated Waste Processing Facilities (TPST), and the Regional Final Waste Processing Site (TPPAS). The technical assistance employed a participatory approach consisting of technical coordination meetings, and field surveys to collect data, validate findings, and formulate recommendations for optimizing municipal solid waste service charge revenue. The primary outcome of this community engagement program was the successful identification of 60,341 household chargeable units and 62,635 non-household chargeable units as the basis for estimating the revenue potential of municipal solid waste service charges in Bandung Regency. Based on the assessment, the estimated revenue potential reached IDR 13,873,338,846 under the pessimistic scenario, IDR 14,500,674,306 under the moderate scenario, and IDR 18,384,609,542 under the optimistic scenario.
Co-Authors A Deni Iskandarsyah Achmad Noerkhaerin Putra Adang Haryaman Adang Haryaman Adi Suroso Agusiady, R. Ricky Alfian, Achmad Arif Budi Raharja Aristanto, Eko Asep Gunawan Aspan Priana Bambang Susanto Debie K. R. Kalalo Dendi Nugraha Diah Fatma Sjoraida Dianvayani, Giska Didin Saepudin Didin Saepudin Didin Saepudin Dwika Ayu Amrita, Nyoman Endang Fatmawati Endang Ruchiyat Endang Ruchiyat Ermeila, Sri Etty Sofia Mariati Asnar Faisal Matriadi Faisal, Ijang Fakhry Amin Farida Yulianty Farida Yuliaty Finny Redjeki Fitriana Fitriana Fitriana Fitriana Fitriana Fitriana Fitriana Fitrianti, Nida Garnida Fransiska Carmelia Subeno Gjosphink Putra Umar Sakka Gulo, Nurdelima Harto Necsen Linelejan Herry Achmad Buchory Idris Idris Ijang Faisal Indri Damayanti Indri Damayanti Jaja Suteja Kosasih Kosasih Lili Adi Wibowo M. Rizqi Padma Negara M. Rizqi Padma Negara M. Syafarudin Mahaputra Marasabessy, Maharani Regita Mariati Asnar, Etty Sofia Matriadi, Faisal Maya Ariyanti Muhamad Abi Dunya Muhammad Syahrul Hidayat Mulyani , Sri Rochani Nazhira Nindya Padma Hanuun Ngurah Made Novianha Pynatih Nia Riana Nida Garnida Fitrianti Nugraha, Ramlan Indra Nugroho, Taufan Nurhaeni Sikki Nyoman Dwika Ayu Amrita Nyoman Dwika Ayu Amrita Nyoman Dwika Ayu Amrita Palittin, Normayanti Prihat Assih Purnamasari, Diana Raden Roro Fatmasari Raden Roro Fatmasari Raharja, Arif Budi Rama Tresnadi Redjeki, Finny Riana, Nia Ricky Agusiady Rukhiyat Syahidin Ryan Aldiansyah Akbar Salsabila, Unik Hanifah Sikki, Nurhaeni Sitanggang, Erikson Sri Rochani Mulyani Sugeng Haryanto Sukmana, Angga Sunardi Sunardi Sunarjo Sunarjo Susanti Syahidin, Rukhiyat Syarif Hidayatullah Taufik Zulfikar Tekat Sukomardojo Uce Karna Suganda Ucu Supriatna Valerianus Bria Vilma Dewi Anggraeni Vip Paramarta Vip Paramarta Vip Paramarta Vonny Novera Wasinininingsih Wasinininingsih Wawan Ichwanudin Wawan Ichwanudin Widjajanti Utoyo