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All Journal Jurnal Studi Manajemen Organisasi Jurnal Manajemen Bisnis Ikonomika : Jurnal Ekonomi dan Bisnis Islam JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI Journal of International Conference Proceedings
Laksana, Rio Dhani
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media

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The Effect of Operational Risks for Digital Banking Services at Banks Laksana, Rio Dhani; Shaferi, Intan; Naznii, Humaira
Jurnal Manajemen Bisnis Vol 14, No 2: September 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v14i2.19302

Abstract

Research aims: This research aims to analyze active digital banking users' perceptions of bank operational risks in providing digital banking services.Design/Methodology/Approach: This research design used a quantitative approach. The population in this study was banking customers who used Internet banking services. The sample taken in this study was 240 respondents from banks in the Banyumas Regency, Central Java, Indonesia. The method performed was purposive sampling. It used five banking risk management indicators.Research findings: Most people in the Banyumas region did not agree that Internet banking had high operational risks. As such, banks need to look at other operational risks, such as service disruptions, outsourcing failures, and internal fraud.Theoretical contribution/Originality: The Technology Acceptance Model (TAM) is an information system theory that models of how users want to accept and use technology. This model proposes that when users are offered a new system, several factors influence their decision about how and when to use the system, especially regarding the usefulness, ease of use, and external factors on beliefs, attitudes, and purpose of use.Practitioners/Policy implications: This research implemented digital banking and customer perceptions of bank operational risks in providing digital banking services because they are essential for understanding the digital banking industry. Research limitations/Implications: This study only used five indicators of banking operational risks, consisting of process, human, system, external, and legal. Other aspects, such as financial, marketing, and others, have yet to be included in this banking risk research indicator. For further research, it is suggested to add research variables, not only focusing on Internet banking applications but also on other digital banking products, such as mobile banking, phone banking, and SMS banking. 
Management of Village Owned Enterprises (BUMDES) in Increasing Village Economic Income in Banyumas Regency, Indonesia Laksana, Rio Dhani; Adi, Pramono Hari; Nurfitri, Titi
Journal of International Conference Proceedings Vol 6, No 4 (2023): 2023 ICPM Tokyo Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i4.2637

Abstract

In general, signs of BUMDes' success include steadily rising revenues and assets, a widening customer base, staff members who are able to do their jobs, and a positive influence on local communities. BUMDes that are constructed sporadically assist the community. This is brought on by persistent management system shortcomings, unsolved capital-related barriers, and the requirement to boost the caliber of human resources. This study employs a descriptive qualitative methodology and the Donald van Metter and Carl van Horn theory of A Model of Policy Implementation. In the Indonesian province of Banyumas, the study included a sample of 80 BUMDES. Observation, interviews, and documentation studies were the data gathering methods employed. Purposive sampling was performed as part of the informant selection process. The findings suggested that the BUMDes initiative may have been implemented more effectively. The village side anticipates an increase in local income as a result of the development of BUMDes. However, adopting it faces several challenges, including a lack of socialization of BUMDes work, widespread coverage, the managers' poor managerial skills, and little understanding of BUMDes management.
Management of Village Owned Enterprises (BUMDES) in Increasing Village Economic Income in Banyumas Regency, Indonesia Laksana, Rio Dhani; Adi, Pramono Hari; Nurfitri, Titi
Journal of International Conference Proceedings Vol 6, No 4 (2023): 2023 ICPM Tokyo Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i4.2637

Abstract

In general, signs of BUMDes' success include steadily rising revenues and assets, a widening customer base, staff members who are able to do their jobs, and a positive influence on local communities. BUMDes that are constructed sporadically assist the community. This is brought on by persistent management system shortcomings, unsolved capital-related barriers, and the requirement to boost the caliber of human resources. This study employs a descriptive qualitative methodology and the Donald van Metter and Carl van Horn theory of A Model of Policy Implementation. In the Indonesian province of Banyumas, the study included a sample of 80 BUMDES. Observation, interviews, and documentation studies were the data gathering methods employed. Purposive sampling was performed as part of the informant selection process. The findings suggested that the BUMDes initiative may have been implemented more effectively. The village side anticipates an increase in local income as a result of the development of BUMDes. However, adopting it faces several challenges, including a lack of socialization of BUMDes work, widespread coverage, the managers' poor managerial skills, and little understanding of BUMDes management.
The Effect of Operational Risks for Digital Banking Services at Banks Laksana, Rio Dhani; Shaferi, Intan; Naznii, Humaira
Jurnal Manajemen Bisnis Vol. 14 No. 2: September 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v14i2.19302

Abstract

Research aims: This research aims to analyze active digital banking users' perceptions of bank operational risks in providing digital banking services.Design/Methodology/Approach: This research design used a quantitative approach. The population in this study was banking customers who used Internet banking services. The sample taken in this study was 240 respondents from banks in the Banyumas Regency, Central Java, Indonesia. The method performed was purposive sampling. It used five banking risk management indicators.Research findings: Most people in the Banyumas region did not agree that Internet banking had high operational risks. As such, banks need to look at other operational risks, such as service disruptions, outsourcing failures, and internal fraud.Theoretical contribution/Originality: The Technology Acceptance Model (TAM) is an information system theory that models of how users want to accept and use technology. This model proposes that when users are offered a new system, several factors influence their decision about how and when to use the system, especially regarding the usefulness, ease of use, and external factors on beliefs, attitudes, and purpose of use.Practitioners/Policy implications: This research implemented digital banking and customer perceptions of bank operational risks in providing digital banking services because they are essential for understanding the digital banking industry. Research limitations/Implications: This study only used five indicators of banking operational risks, consisting of process, human, system, external, and legal. Other aspects, such as financial, marketing, and others, have yet to be included in this banking risk research indicator. For further research, it is suggested to add research variables, not only focusing on Internet banking applications but also on other digital banking products, such as mobile banking, phone banking, and SMS banking. 
Bahasa Inggris Setyawan, Adi; Laksana, Rio Dhani; Pujiwati, Ami
Jurnal Akuntansi, Manajemen dan Ekonomi Vol 26 No 4 (2024): October-December 2024
Publisher : Faculty of Economics and Business, Jenderal Soedirman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.jame.2024.26.4.12084

Abstract

Changes in the global economy require every organization to increase effectiveness in carrying out its activities. Likewise, organized universities have three important components in facing global change, namely organizational commitment, organizational culture, and strategic management. An organization in carrying out its activities cannot be separated from its employees. An employee's performance can be influenced by various factors such as the work environment, infrastructure, production, health, level of work safety, and mutual understanding which will lead them in one direction so that they have a maximum level of performance to achieve organizational goals. . The theory used in this research is goal setting theory. This type of research is quantitative research which will also be explained through descriptive statistical analysis. The population and sample of this research are Open University employees who have minimal education and are located in Central Java - Yogyakarta. This research instrument uses a questionnaire which is calculated using a Likert scale, then the data will be processed using an application called SmartPLS. The results of this research state that overall the strategic performance measurement system variables, organizational commitment, and organizational culture have a significant effect on role stressors. Furthermore, it is hoped that the results of this research can become a reference for organizations to continue to improve their managerial performance while still paying attention to the variables that can influence it
Innovation of Infrastructure Financing Through Optimization of Financial Investment of Domestic Hajj Funds Shaferi, Intan; Laksana, Rio Dhani; Suparno, Chandra
IKONOMIKA Vol 6, No 2 (2021)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v6i2.11168

Abstract

The suitability ofothe management of Hajj funds to be invested inovarious infrastructure developmentoprojectsobasedoonosharia principles and laws and regulations can be a benefit. The use of hajj funds for infrastructure financing can increase the value of the benefits of hajj funds even though they contain risks. Therefore, the use of hajj funds to finance infrastructure investment requires further study. The author is interested in conducting a study of the suitability of the policy forotheomanagement (investment) of Hajj funds in infrastructure financing in relation to Law Number 34oof 2014 concerning Hajj Financial Management. The article uses descriptive narrative analysis method. Based on the review narrative literature and the Indonesia Government Policy during 2012 until 2020. The analysis used is top down by analyzing macro factors towards the study, especially innovation of infrastucture investment. The existence of this conformity will provide confidence that the interests of prospective pilgrims will always be prioritized. Based on conclusions research is: the price range of hajj finances may be invested to help financing/supplying infrastructure due to the fact hajj finance has the nature of being a deposit fund so that it resembles the use of the wadiah yadh dhamanah principle in an sharia finance attitude, making it possible for the Hajj Financial Control Agency (BPKH) to optimize the value of the benefits of the budget. And based on descriptive literature, the financial investment of hajj funds is aimed at obtaining optimal value for the benefit of improving the implementation of the hajj pilgrimage by prioritizing the security aspects of the prospective hajj pilgrims' funds.
The Sharia Fintech Product on Bank Performance during COVID-19 Pandemic Laksana, Rio Dhani; Shaferi, Intan; Aydogmus, Ilkay
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v8i2.16521

Abstract

Throughout the COVID-19 epidemic, the Fintech sector has continued to increase access to financial services, especially in developing nations. This study aims to look at how Indonesian Sharia banks' performance is affected by Sharia fintech products (FTPs). Sharia fintech products are a combination of financial and technological innovations that can facilitate customers' transactions and investment processes based on rules and Islamic law so that customers intend to use the Sharia fintech products and then perform well in the bank. This study used 250 Sharia bank customers given self-designed questionnaires as part of our data collection. This study looked at the fictitious relationship, and the results reveal that FTPs have a considerable impact on bank performance, as indicated by the path coefficient and t-value using correlation regression analysis. The study's findings perspectives on how convenient Sharia fintech products (FTPs) are for users. Clients are more receptive to FTPs when they see their use and simplicity in everyday tasks and work. The study's conclusions show that bank performance is positively and significantly impacted by Sharia fintech products of financial transaction platforms (FTPs). Also, the COVID-19 epidemic hastened changes in how people engage with financial services, leading to a hitherto unheard-of demand from poor countries to accelerate their transition to open and safe digital money.
Peran Adopsi Financial Technology (Fintech) dan Literasi Keuangan dalam Meningkatkan Keberlanjutan Lingkungan Ramadhani, Rahma Hutami; Laksana, Rio Dhani
Jurnal Akuntansi, Manajemen dan Ekonomi Vol 27 No 1 (2025): January - June 2025
Publisher : Faculty of Economics and Business, Jenderal Soedirman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.jame.2025.27.1.15898

Abstract

Environmental sustainability is an effort to maintain the balance of ecosystems for the survival of future generations. Fintech, as a technological innovation in the financial sector, has the potential to accelerate the transition towards more environmentally friendly financial practices through efficiency and accessibility. Financial literacy, which encompasses individuals' understanding of financial products and services, can encourage wiser and more sustainable decision-making. The aim of this paper is to identify how the combination of fintech and financial literacy can contribute to environmental sustainability. The research method involves literature analysis and case studies to gain current perspectives on the impact of fintech and the level of financial literacy on sustainable practices. Findings indicate that the adoption of fintech, supported by adequate financial literacy, can enhance energy efficiency and reduce carbon footprints through better resource management. The value of this research lies in providing insights for policymakers and industry practitioners to encourage the integration of financial technology that contributes to environmental sustainability.
Assessing the Predictive Power of Net Income and Inventory on Operating Cash Flows: A Study of Food and Beverage Companies in Indonesia Laksana, Rio Dhani; Shaferi, Intan; Naznii, Humaira
JURNAL STUDI MANAJEMEN ORGANISASI Vol 22, No 2 (2025): 2025
Publisher : Faculty of Economics and Business | Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jsmo.v22i2.75162

Abstract

This study investigates the ability of net income and inventory changes to predict future operating cash flows in manufacturing companies within Indonesia’s food and beverage sector. Using a sample of firms listed on the Indonesia Stock Exchange from 2022 to 2025, the study employs multiple regression analysis to examine the partial and simultaneous effects of these variables. The results show that net income has a significant positive impact on future operating cash flows, indicating its usefulness for investors and stakeholders in financial decision-making. However, changes in inventory do not significantly affect future operating cash flows, suggesting limited predictive value in this context. Simultaneous testing reveals that net income and inventory changes together significantly influence future operating cash flows. The findings underscore the importance of focusing on profitability indicators when assessing cash flow potential in this industry.
The Benefits, Effectiveness, and Risks of ShopeePay: Shaping Consumer Interest Budiman, Arief; Laksana, Rio Dhani; Aydogmus, Ilkay
JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Vol. 12 No. 1 (2025): JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) NOVEMBER
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jkbm.v12i1.15181

Abstract

This study examines how perceived benefits, system effectiveness, and perceived risks shape consumer interest in using ShopeePay as a digital payment platform in Indonesia. As digital payment adoption accelerates, understanding the key determinants of user preference becomes increasingly important for service providers. Data were collected from 185 active ShopeePay users through a structured question-naire and analyzed using multiple linear regression. The findings reveal that system effectiveness and perceived risks significantly influence consumer interest, whereas perceived benefits do not show a meaningful impact. These results suggest that users prioritize operational performance, transaction reliability, and security considerations over general convenience when evaluating digital payment plat-forms. This study contributes to the business and consumer behavior literature by offering empirical insights into the factors that drive e-wallet usage. Practical implications highlight the importance for fin-tech providers to strengthen service efficiency, enhance security features, and communicate system reliability to improve user engagement and competitive positioning.
Co-Authors Adi Setyawan, Adi ADI, PRAMONO HARI Ami Pujiwati Arief Budiman Aydogmus, Ilkay Chandra Suparno, Chandra Intan Shaferi, Intan Naznii, Humaira NURFITRI, TITI Ramadhani, Rahma Hutami