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Pemetaan SWOT: Analisis Faktor Internal dan Eksternal dalam Model Pembiayaan Green Loan BCA Abraham Enga Tifaona, Ignatius; Sibarani, Mentiana; Sariguna Johnson Kennedy , Posma
IKRAITH-EKONOMIKA Vol. 8 No. 3 (2025): IKRAITH-EKONOMIKA Vol 8 No 3 November 2025
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37817/ikraith-ekonomika.v8i3.5464

Abstract

ABSTRAKPenelitian ini menganalisis SWOT (Strengths, Weaknesses, Opportunities, Threats) dari efektivitas pembiayaan hijau (green loan) PT Bank Central Asia Tbk (BCA) melalui pendekatan Systematic Literature Review (SLR). Analisis difokuskan pada faktor internal (kapasitas permodalan, efisiensi operasional, tata kelola ESG, kapabilitas MRV, digitalisasi) dan eksternal (regulasi, insentif fiskal, kondisi pasar, serta tekanan pemangku kepentingan). Hasil pemetaan SWOT menunjukkan kekuatan berupa modal yang kuat, efisiensi operasional, dan inovasi produk; kelemahan meliputi inefisiensi, non performance loan (NPL) tinggi, dan keterbatasan pipeline proyek; peluang mencakup roadmap keuangan berkelanjutan dan permintaan pasar hijau; sedangkan ancaman berasal dari ketidakpastian regulasi, risiko greenwashing, serta volatilitas makroekonomi. Integrasi kerangka Resource-Based View (RBV) dan Institutional Theorymenegaskan bahwa kapabilitas internal hanya efektif bila didukung ekosistem regulatif dan pasar yang stabil. Studi ini menyimpulkan bahwa penguatan tata kelola, harmonisasi definisi, peningkatan kapabilitas Measurement, Reporting, and Verification (MRV), dan partisipasi aktif dalam ekosistem kebijakan merupakan langkah strategis untuk memperbesar kontribusi green loan dalam transisi menuju keuangan berkelanjutan.ABSTRACTThis study examines the SWOT (Strengths, Weaknesses, Opportunities, Threats) of effectiveness of green loan implementation at PT Bank Central Asia Tbk (BCA) using a Systematic Literature Review (SLR). The analysis focuses on internal factors (capital adequacy, operational efficiency, ESG governance, MRV capabilities, and digitalization) and external factors (regulations, fiscal incentives, market conditions, and stakeholder pressure). The SWOT mapping reveals strengths such as strong capital, operational efficiency, and product innovation; weaknesses including inefficiencies, high NPLs, and limited project pipelines; opportunities related to the sustainable finance roadmap and green market demand; and threats stemming from regulatory uncertainty, greenwashing risks, and macroeconomic volatility. Integrating the Resource-Based View (RBV) and Institutional Theory, the findings highlight that internal capacities are only effective when supported by a stable regulatory framework and mature market ecosystem. The study concludes that strengthening governance, harmonizing definitions, enhancing Measurement, Reporting, and Verification (MRV) capabilities, and engaging in policy ecosystems are key strategies to maximize the contribution of green loans in the transition toward sustainable finance.
Strategic Planning in an Effort to Improve Service Quality at Wakatobi Regional General Hospital using Service Quality Usamah, Usamah; Sirait, Tongam; Sibarani, Mentiana; Samsul Bahri, Ronny
Journal of World Science Vol. 3 No. 8 (2024): Journal of World Science
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jws.v3i8.701

Abstract

The quality of health services in hospitals is an important aspect that affects patient satisfaction and health outcomes. At RSUD Wakatobi, evaluation of service quality is important to ensure that the services provided are in accordance with patient expectations and applicable standards. This study aims to analyze the quality of service at RSUD Wakatobi based on these dimensions, focusing on the application and effectiveness of each dimension in the context of health services at the hospital. This research uses descriptive qualitative research with inductive data analysis and uses research informants consisting of functional officials in charge of providing services at RSUD Wakatobi and administrative staff of RSUD Wakatobi as primary data sources. The data analysis technique used by researchers is descriptive data analysis, with the results showing that, based on the results of the above research, in this case the services applied at the Wakatobi Regional General Hospital are still not in accordance with the dimensions of service quality where physical evidence. While those that have been applied include reliability, assurance, empathy, and responsiveness. Service quality needs to be applied by every public service in providing services to patients because one of the good service qualities is the comparison between reality and expectations of patients of the Wakatobi Regional General Hospital. The implication of this research is the importance of developing and implementing improvement strategies in the physical evidence dimension to improve service quality at Wakatobi Regional General Hospital.
The Influence of Job Level and Work Stress on Learning Motivation of Master's Students at Harapan Bangsa Business School Class of 2023-2024 Rahmat, Damianus Tulus; Sibarani, Mentiana
Journal of World Science Vol. 3 No. 11 (2024): Journal of World Science
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jws.v3i11.1228

Abstract

The demands of balancing professional and academic responsibilities present unique challenges for Master’s students who work while pursuing higher education, often resulting in increased job stress and varied impacts on learning motivation. This study investigates how job level and job stress influence the learning motivation of Master's students in Management at Harapan Bangsa Business School, focusing on students from the 2023-2024 cohort. A quantitative approach was used, employing structured questionnaires to collect data from a sample of 120 students in Bandung between July and November 2024. The analysis, conducted through multiple regression, revealed that job level significantly positively affects learning motivation, with students in higher positions exhibiting greater motivation to succeed academically. In contrast, job stress did not show a statistically significant effect on learning motivation, indicating that its impact may vary based on individual resilience and role-specific factors. These results suggest that learning motivation is more closely tied to job level than job stress. The study provides valuable insights for educational institutions aiming to enhance motivation among working students by promoting autonomy and competency support, aligning with Deci and Ryan’s self-determination theory. Institutions can better support students' academic success across different job levels by focusing on strategies that increase student autonomy and skill-building opportunities.
Analysis of System Quality Factors & Information Quality with Mediation Variables of Ease of Use To the Success of PT XYZ's E-Procurement Hardinata, Kenny; Sibarani, Mentiana
Eduvest - Journal of Universal Studies Vol. 4 No. 11 (2024): Journal Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v4i11.44780

Abstract

This study examines the influence of system quality and information quality on the success of e-procurement at PT XYZ, with a focus on the mediating role of ease of use. Data were collected from 42 respondents in the purchasing department, all users of the e-procurement system, and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Key findings include that system quality and information quality both positively affect ease of use. High-quality systems and accurate information make the e-procurement system easier to use. Information quality also directly enhances the success of e-procurement. Additionally, ease of use positively impacts the success of the system, indicating that when users find the system easy to use, its success rate increases. While system quality alone does not directly impact success, it does so when combined with high information quality and ease of use. For PT XYZ, these findings suggest that improving system quality and information quality can significantly enhance e-procurement success. Practical steps include ensuring robust internet connectivity, comprehensive data documentation, timely updates, and clear, accurate information. Simplifying the e-procurement process and enhancing user skills will also contribute to more effective and efficient procurement operations.
The analysis of public service motivation's influence on job enjoyment and task performance in health workers Waani, Jane Deasy; Sibarani, Mentiana
Indonesian Journal of Multidisciplinary Science Vol. 3 No. 11 (2024): Indonesian Journal of Multidisciplinary Science
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/ijoms.v3i11.976

Abstract

This study is aimed at determining whether there is an influence of public service motivation on the performance of health workers' duties, the influence of work pleasure on the work pleasure of health employees, and the influence on work pleasure through the mediation of work satisfaction. The study is in the form of an observational causative study with a cross sectional design, which aims to determine the influence between variables based on measurement results without intervention. The data were collected through an online questionnaire in April 2024 and analyzed using the PLS-SEM technique to estimate the degree of relationship between variables in the structural model. The results of the analysis of the measurement component (outer model) shows good measurability of all indicators marked by outer loading which is high, as well as the validity of discrimination is quite good. The model has a good degree of accuracy because it is able to account for about two-thirds of all variables. For the management of the hospital, it is recommended to add the criteria of high publicly service motivation as a requirement in employee recruitment. Further research is suggested to complement the model by including factors such as work environment, organizational culture, workload, and superior leadership style as covariates. This could help in identifying unique challenges or opportunities for improving task performance and job satisfaction in different healthcare environments, ultimately leading to more tailored and effective management strategies.
Servqual analysis in improving customer satisfaction at PT Joie Production Bandung Mulyani, Lenny; Sibarani, Mentiana
Indonesian Journal of Multidisciplinary Science Vol. 3 No. 11 (2024): Indonesian Journal of Multidisciplinary Science
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/ijoms.v3i11.977

Abstract

The purpose of this study is to examine the influence of service quality on consumer satisfaction at PT Joie Production, a convection company located in the city of Bandung, Indonesia. The study uses probability sampling with a simple random sampling method, and the sample size is determined using the Slovin formula which produced 58 respondents from a population of 140 consumers in the past year. The data was analyzed using statistical methods to test the validity and reliability of the questionnaire, as well as measure the quality of service based on the SERVQUAL method. The results of the study show that the overall service quality has a negative average gap of -0.022, indicating that services are generally below customer expectations and unsatisfactory. The highest perception value was in the responsivity dimension of 4.41 and the lowest perception value is reliability of 3,899. Based on the results of interviews with several consumers, it was obtained that price is a consideration, but from the waiting time can be an important thing and the reason why consumers do not continue PT. When complaints are handled properly, customers are more likely to return to transact again, creating stronger loyalty Complaints that are handled well, along with quality service, can significantly increase customer satisfaction levels.
The influence of work commitment and job satisfaction on employee performance in construction companies at PT 'X' Damayanti, Eka Ari; Sibarani, Mentiana
Indonesian Journal of Multidisciplinary Science Vol. 4 No. 3 (2024): Indonesian Journal of Multidisciplinary Science
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/ijoms.v4i3.1049

Abstract

The COVID-19 pandemic has had a significant impact on the construction industry in Indonesia, including the high employee turnover rate which has an impact on project productivity and quality. This study aims to analyze the influence of work commitment and job satisfaction on employee performance at PT "X". The method used was a quantitative approach with a random sampling technique, involving 287 employees as respondents. Data were obtained through questionnaires measured by the Likert scale, and analyzed using regression analysis and ANOVA. The results of the study show that both work commitment and job satisfaction significantly affect employee performance. The findings indicate that companies need to focus on increasing commitment and job satisfaction to lower turnover rates and increase productivity. This study implicates the need for companies to create a conducive work environment, provide attractive incentives, and provide career development opportunities so that employees feel more connected to the company. By increasing commitment and job satisfaction, it is hoped that PT "X" can achieve better performance and more stable project sustainability in the future.
The Influence of Brand Image, Product Innovation, and Social Media Marketing Activities on Iphone Purchasing Decisions In Jakarta Ponikasari, Ponikasari; Sibarani, Mentiana
Journal Research of Social Science, Economics, and Management Vol. 4 No. 5 (2024): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v4i5.757

Abstract

This study aims to analyze the influence of brand image, product innovation and social media marketing activities on iPhone purchasing decisions in DKI Jakarta. This study is included in quantitative research. The population in this study were former iPhone users in DKI Jakarta who are currently or have used iPhone cellphones. The number of samples using the Cochran formula so that 100 respondents were obtained. The analysis method used is multiple linear regression. The results of the study show that brand image has a significant effect on iPhone purchasing decisions in DKI Jakarta, product innovation has a significant effect on iPhone purchasing decisions in DKI Jakarta, and social media marketing activities have a significant effect on iPhone purchasing decisions. Then, brand image, product innovation and social media marketing activities simultaneously (together) have a significant effect on iPhone purchasing decisions in DKI Jakarta. It is recommended that Apple can utilize platforms such as Instagram and TikTok to display user stories that illustrate how the iPhone supports their lifestyle. Local content that is tailored to trends in Jakarta, such as sustainability issues or urban productivity needs, can also increase appeal.
Analisis RASIO ROA, ROE, NPM, DER dan LDR Terhadap Harga Saham BNI (BBNI) Pada Tahun 2019-2023 Nawasari, Nawasari; Sibarani, Mentiana
Cerdika: Jurnal Ilmiah Indonesia Vol. 5 No. 9 (2025): Cerdika: Jurnal Ilmiah Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/cerdika.v5i9.2742

Abstract

This study aims to analyze the impact ratios on the stock price of BNI (BBNI) during the 2019-2023 period. The ratios examined include Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM) as profitability indicators Debt to Equity Ratio (DER) as a solvency indicator and Loan to Deposit Ratio (LDR) as a liquidity indicator. The observed phenomenon is the dynamic interaction between BNI's fundamental performance and market perception and reaction, especially amidst global and domestic economic volatility, including the COVID-19 pandemic. It is expected that an increase in ROA, ROE, and NPM will positively correlate with an increase in stock price, reflecting the bank's efficiency and profitability, which are attractive to investors. Conversely, a controlled or decreasing DER and a strong LDR are expected to strengthen investor confidence in BNI's financial health, thereby supporting stock price stability or appreciation. This study provides empirical evidence that Net Profit Margin (NPM), Debt to Equity Ratio (DER), and Loan to Deposit Ratio (LDR) individually exert a significant influence on the stock price of stock price BNI (BBNI). Conversely, Return On Asset (ROA) and Return On Equity (ROE) were found to have no significant partial effect on BBNI's stock price during the same period. However, when tested simultaneously, all five vvariabels ROA, ROE, NPM, DER, and LDR collectively demonstrate a significant impact on BBNI's stock price for the period of 2019-2023.
The Impact of Marketing Mix Variables upon The Repurchase Intention of Customers in Mixue Tangerang City, Indonesia Tarigan, Joshua Michael Servilo; Sibarani, Mentiana; Silitonga, Roland Y. H.
Journal of Management Studies and Development Vol. 3 No. 03 (2024): Journal of Management Studies and Development
Publisher : The Indonesian Institute of Science and Technology Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56741/jmsd.v3i03.677

Abstract

The franchise industry is one of the most prominent businesses in 2024, where Mixue is one of such brands that dominate the F&B franchise sector in the Indonesian market. Although Mixue shows high performance in Indonesia, there are a few exceptions in several regions where some outlets have declined such as Tangerang City, Indonesia. Hence research is needed to see the viewpoint of Mixue Tangerang City's citizens on the marketing mix of Mixue, where the factors are as follows: Product, Price, Place, and Promotion. The evaluation is important to help owners adjust their marketing strategy specifically in Tangerang City to help boost citizen's intention to buy Mixue products again in the future (repurchase intention). The research is conducted qualitatively, where the samples used are the customers of Mixue Tangerang who have bought more than once. The response is collected using an online questionnaire, in which they answer using the Likert Scale. The result will be analyzed using the Multiple Linear Regression Analysis method using the software SPSS version 26. The research gains 103 Mixue Tangerang City customer respondents. The research shows that the variables of Product, Price, Place, and Promotion have a significant impact on Repurchase Intention simultaneously. Aside from that, the result shows that Product, Place, and Promotion each have a significant partial impact on Repurchase Intention. However, research shows that the Price factor does not have a significant partial impact on Repurchase Intention.