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All Journal Jurnal Keuangan dan Perbankan IMAGE AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Journal of Enterprise and Development (JED) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) International Journal of Islamic Educational Psychology Jurnal Ilmu Manajemen Advantage BanKu: Jurnal Perbankan dan Keuangan Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Manajemen dan Penelitian Akuntansi (JUMPA) TGO Journal of Community Development Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka) Jurnal Cerdas Mendidik
Agustina, Iin
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Penerapan Enterprise Risk Management (ERM) Berdasarkan COSO-Framework Pada Perusahaan Manufaktur di Indonesia Hidayah, Nur Sabrina; Pradesa, Hafid Aditya; Taufik, Nur Imam; Purba, Caesar Octoviandy; Agustina, Iin
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 3 (2025): February 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i3.6876

Abstract

Enterprise risk management (ERM) is essential for companies to mitigate uncertainties in today's business environment, enabling them to focus on achieving strategic goals and objectives. This study aims to analyze the disclosure level of ERM and the influence of company size and industry sector on manufacturing companies listed on the Indonesia Stock Exchange (IDX). Employing a purposive sampling method, 29 manufacturing companies listed on the IDX were selected as the analysis units for this research. Utilizing secondary data collected from annual reports over a three-year period (2019–2021), ERM index assessments were conducted based on the COSO framework content. The research findings generally indicate significant variations in ERM disclosure, with larger companies demonstrating higher levels, while the industry sector showed no significant influence. ERM implementation revealed an increasing trend, particularly in risk identification and response, although stagnation was observed in other components. Most companies met the minimum disclosure requirements, but transparency regarding financial risks and audit budgets was lacking. The level of ERM implementation varied, influenced by company size, risk profile, and company status. This study emphasizes the importance of comprehensive ERM disclosure as a positive signal for investors and recommends enhancing overall ERM implementation along with more transparent disclosure of financial risks. Further research is suggested to explore additional factors and their impact on firm performance.
Increasing Customer Trust in Islamic Bank: Role of Service Quality and Satisfaction Hidayati, Nur; Hanif, Rifki; Pradesa, Hafid Aditya; Agustina, Iin
Journal of Business and Economics Research (JBE) Vol 6 No 2 (2025): June 2025
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jbe.v6i2.7291

Abstract

The financial services sector, particularly banking, fundamentally relies on trust as a cornerstone of its business operations. For bank customers, trust is a critical factor influencing their decision to establish and maintain transactional relationships, including the utilization of financial services. This research aims to comprehensively examine how electronic service quality (e-service quality) and customer satisfaction contribute to enhancing customer trust in Islamic Banks. Employing university students enrolled in Islamic higher education institutions in Malang, East Java, Indonesia, as the unit of analysis, this study adopts a quantitative approach. Data were collected from a sample of 97 Islamic bank customers through online questionnaires and analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique. Result show that E-Service Quality has a positive and significant effect on Customer Satisfaction with a path coefficient (β) of 0.798. This is the largest coefficient among the relationships studied, indicating a strong positive effect. Furthermore, Customer Satisfaction also shows a positive and significant influence on Customer Trust with a path coefficient (β) of 0.611. Lastly, the direct effect of E-Service Quality on Customer Trust has a path coefficient (β) of 0.199, which is not significant. The research findings indicate that e-service quality exerts the most substantial positive and significant influence on customer satisfaction within the tested research model. However, the analysis reveals that e-service quality does not have a direct significant impact on customer trust. Instead, customer trust is significantly influenced by the level of satisfaction experienced by customers. The crucial implication of this study lies in the affirmation of customer satisfaction as a primary outcome of e-service quality and simultaneously a key determinant in building customer trust, specifically within the context of Islamic bank customers. These results underscore the importance for Islamic banking institutions to prioritize the enhancement of their e-service quality to cultivate high levels of customer satisfaction, which will ultimately strengthen customer trust and long-term loyalty. This research provides empirical contributions to understanding the dynamics of trust in the Islamic banking context and offers strategic implications for bank management.
Analisis Faktor Tentang E-Service Quality Pada Aplikasi Jakone Mobile Wulandari, Nadya; Pradesa, Hafid Aditya; Zulvia, Pepi; Agustina, Iin
BanKu: Jurnal Perbankan dan Keuangan Vol 6, No 1 (2025): Volume 6, Nomor 1, Februari 2025
Publisher : Program Studi Perbankan dan Keuangan Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/banku.v6i1.14344

Abstract

JakOne Mobile merupakan Aplikasi Mobile Banking yang dimiliki oleh Bank DKI. Namun berdasarkan hasil penelitian sebelumnya serta penilaiaan pada beberapa platform seperti instagram, App Store, App Market dan Play Store dapat disimpulkan bahwa aplikasi JakOne Mobile masih harus diperhatikan oleh Bank DKI. Penelitian ini bertujuan untuk melihat peran E-Service Quality pada peningkatan layanan Aplikasi JakOne Mobile bagi nasabah Bank DKI. Metode penelitian yang digunakan yaitu kuantitatif dengan populasi penelitian Nasabah Tabungan Bank DKI Kantor Cabang Bandung yang menggunakan Aplikasi JakOne Mobile dengan sampel sebanyak 101 responden. Dimensi E-Service Quality yang digunakan yaitu Efficiency (Efisiensi), Fulfillment (Pemenuhan), Reliability (Keandalan), Privacy (Privasi), Responsiveness (Daya Tanggap), Compensation (Kompensasi) dan Contact (Kontak). Teknik pengumpulan data dilakukan dengan mendistribusikan kuisioner secara online kepada responden. Adapun teknik analisis data yang digunakan adalah Confirmatory Factor Analysis (CFA). Hasil dari penelitian menunjukkan bahwa dimensi E-Service Quality yang digunakan memiliki tingkat kesahihan yang terkonfirmasi dengan baik. Temuan dilapangan juga menunjukkan bahwa E-Service Quality paling direfleksikan oleh dimensi Fulfillment (Pemenuhan) karena memiliki nilai bobot yang cukup tinggi bila dibandingkan dengan ketujuh dimensi lainnya. Artinya nasabah menilai bahwa dapat memenuhi kebutuhan, memiliki fitur pembayaran yang lengkap, serta bukti transaksi yang lengkap dan mudah didapatkan pada aplikasi JakOne Mobile dianggap penting oleh persepsi pengguna.
Key determinants of attitudes towards Islamic banks: An exploratory study among Islamic university students Hidayati, Nur; Pradesa, Hafid Aditya; Agustina, Iin
Journal of Enterprise and Development (JED) Vol. 6 No. 1 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i1.8392

Abstract

Purpose — The study seeks to identify the factors that have the greatest impact on attitudes towards Islamic banks, including awareness and knowledge of Islamic banking, adherence to Sharia principles, and collectivist or individualist attributes.Method — This study utilized quantitative methods, and the research instruments were carefully designed to measure the latent variables under investigation. The sample included 100 students from private Islamic universities in Malang City, East Java, Indonesia. Data analysis involved confirmatory factor analysis and multiple regression analysis.Result — This research highlights the crucial role of awareness and knowledge in fostering positive attitudes towards Islamic banks. Interestingly, compliance with Sharia principles was not found to significantly influence attitudes toward Islamic banks.Contribution — This research underscores the pivotal role of awareness and knowledge in fostering positive attitudes toward Islamic banks.
Pelaksanaan Review Kerangka Kerja Manajemen Risiko Pada Lembaga Administrasi Negara Republik Indonesia Pradesa, Hafid Aditya; Agustina, Iin; Wijayati, Ira Yusnita
Aksiologiya: Jurnal Pengabdian Kepada Masyarakat Vol 7 No 3 (2023): Agustus
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/aks.v7i3.13253

Abstract

Penerapan manajemen risiko dalam sebuah organisasi menjadi sebuah keharusan untuk mendukung tata kelola organisasi yang lebih baik dan efektif. Kegiatan  pengabdian  bertujuan untuk  mengupayakan peningkatan pemahaman  konsep risiko dan manajemen risiko pada pegawai serta mendiskusikan tentang penerapan manajemen risiko pada organisasi.  Kegiatan   pengabdian masyarakat dilaksanakan dengan menggunakan metode forum grup diskusi dengan melibatkan beberapa unsur pegawai yang mewakili satuan kerja (Satker) baik satker tingkat I atau II di lingkup Lembaga Administrasi Negara Republik Indonesia. Kegiatan dilakukan dalam bentuk review kerangka kerja manajemen risiko selama dua hari dengan menerapkan protokol kesahatan yang ketat.  Dari kegiatan pengabdian masyarakat yang telah dilakukan diperoleh hasil bahwa masih banyak pegawai yang belum sepenruhnya memahami secara jelas tentang konsep risiko. Selain itu hasil diskusi menunjukkan bahwa kerangka kerja Manajemen Risiko yang telah disusun masih dikategorikan belum sesuai atau belum memenuhi kriteria standar yang telah ditetapkan. Hal ini disinyalir karena masih kurangnya pemahaman tentang konsep dasar dari risiko itu sendiri. Melalui kegiatan ini pengetahuan pegawai tentang konsep risiko diharapkan menjadi lebih baik sehingga penyusunan Kerangka Kerja Manajemen Risiko di satuan kerja masing – masing menjadi lebih sesuai standar dan tujuan dari penerapan manajemen risiko di organisasi dapat tercapai.
KEEFEKTIFAN MODEL PEMBELAJARAN PROBLEM BASED LEARNING UNTUK MENINGKATKAN HASIL BELAJAR PESERTA DIDIK TEMA 8 SUBTEMA 3 KELAS IV SD NEGERI 02 BANYUURIP Agustina, Iin
Jurnal Cerdas Mendidik Vol 1, No 1 (2022): April 2022
Publisher : Universitas PGRI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26877/cm.v1i1.15137

Abstract

Tujuan dari penelitian ini untuk mengetahui keefektifan model problem based learning terhadap hasil belajar peserta didik tema 8 subtema 3 kelas IV SD Negeri 02 Banyuurip. Penelitian ini menggunakan metode kuantitatif, dengan desain Quasi Experimental Design dengan jenis pretest-posttest control group design. Teknik pengumpulan data pada penelitian ini melalui observasi, wawancara, tes yang terdiri dari prettest-posttest penelitian ini adalah siswa kelas IV yang berjumlah 13 siswa. Perhitungan yang digunakan untuk mengetahui normalitas sampel dari populasi dilakukan dengan menggunakan uji Liliefors, pada taraf signifikan 5% dan N1 = 7 dan n2 = 6, uji normalitas akhir menggunakan nilai posttest peserta didik, data yang diperoleh dari normalitas akhir yaitu kelas kontrol dan kelas eksperimen berdistribusi normal, selanjutnya dilakukan pengujian uji homogenitas.
Co-Authors Aditya Pradesa, Hafid ANI SURTIANI As-Sajjad, Muhammad Dzaky Bin Ajis, Mohd Naeim Caesar Octoviandy Purba Dharmanegara, Ida Bagus Agung Hafid Aditya Pradesa Hanif, Rifki Harijanto, Djony Hasrudy Tanjung, Hasrudy Hidayah, Nur Sabrina Imam Taufik, Nur Jamaluddin, Mohd Raziff Kurniawati Kurniawati Mulyadi, Deddy Nur Hidayati Nur Imam Taufik Pepi Zulvia Pramuditha, Rizky Salleh, Nik Sarina Nik Md Saraswati, Ety Suryana, Wulan Permatasari Tuti Asmala Wijayati, Ira Yusnita Wiradiputra, Indra Aldila Wulandari, Nadya