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Kartini, Ida Ayu Nuh
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IMPLEMENTASI PENGGUNAAN QRIS PADA SEKTOR UMKM DI KOTA SURABAYA Alamsyah, Muhammad Aktoriel; Akbar, Jalaluddin Mohammad; Fajrin Naja, M. Afrirul; Kartini, Ida Ayu Nuh
BESIRU : Jurnal Pengabdian Masyarakat Vol. 2 No. 12 (2025): BESIRU : Jurnal Pengabdian Masyarakat, Desember 2025
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/besiru.v2i12.2092

Abstract

Digital payment transformation has become an essential strategy to enhance the competitiveness of Micro, Small, and Medium Enterprises (MSMEs). One of Indonesia’s key digital payment innovations is the Quick Response Code Indonesian Standard (QRIS), designed to standardize and simplify cashless transactions. This study aims to examine the implementation of QRIS among MSMEs in Surabaya City using a literature review method. Data were collected from scientific journal articles, Bank Indonesia reports, and relevant previous studies. The findings indicate that QRIS adoption among MSMEs in Surabaya has steadily increased, particularly in the culinary and retail sectors. The implementation of QRIS positively affects transaction efficiency, financial record management, and business professionalism. However, challenges remain, including limited digital literacy, security concerns, and resistance to shifting from cash-based transactions. Therefore, continuous policy support, education, and assistance are necessary to optimize QRIS utilization among MSMEs in a sustainable manner.
PERAN BANK JATIM DALAM IMPLEMENTASI QRIS DAN PENGELOLAAN RISIKO OPERASIONAL PADA PEDAGANG PASAR TRADISIONAL Kartini, Ida Ayu Nuh; Ningsih, Riyana Astutik; Azzahra, Aulia Sintya; Khairunnisa, Waasi’u; Islamiyah, Aulya Nurul
BESIRU : Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2026): BESIRU : Jurnal Pengabdian Masyarakat, Januari 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/besiru.v3i1.2114

Abstract

The development of digital payment systems encourages the need for assistance for traditional market traders to adapt to the use of QRIS in a secure and effective manner. This community service activity was carried out with traditional market traders in collaboration with Bank Jatim, aiming to improve traders’ understanding of QRIS usage and operational risk management in non-cash transactions. The implementation methods included field observations, interviews with Bank Jatim officers, as well as direct socialization and education for traders regarding transaction procedures and potential operational risk. The results indicate an improvement in traders’ understanding of QRIS, particularly in terms of transaction security and error prevention. In addition, traders became more confident in accepting digital payments, which supports smoother transactions and encourages financial inclusion in traditional markets.
ANALISIS MANAJEMEN RISIKO KREDIT PADA PT BANK NEGARA INDONESIA (PERSERO) TBK Kartini, Ida Ayu Nuh; Djonien, Azarya B.; Aziz, M. Saiful; Ilham, M. Shafrial; Prasetya, Mahfud Eko
BESIRU : Jurnal Pengabdian Masyarakat Vol. 2 No. 12 (2025): BESIRU : Jurnal Pengabdian Masyarakat, Desember 2025
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/besiru.v2i12.2115

Abstract

This community service initiative seeks to improve the general public's understanding of credit risk management within the banking industry, an essential factor for ensuring financial stability and promoting sustainable economic growth. The program was designed to deepen participants' knowledge of credit risk management techniques, specifically examining PT Bank Negara Indonesia (Persero) Tbk. It covered aspects such as credit distribution and the significance of the Loan to Deposit Ratio (LDR). Employing descriptive and educational approaches, the activity utilized literature reviews, presentations, and discussions based on official banking reports and regulatory standards. Findings revealed that participants demonstrated enhanced awareness and understanding of key concepts such as responsible credit management, risk identification, mitigation strategies, and liquidity management in banking operations. This initiative plays a vital role in bolstering financial literacy and fostering the adoption of effective banking practices within the community, particularly among students and those interested in finance and banking careers.
PENERAPAN MANAJEMEN BANK DALAM TRANSAKSI NON-TUNAI MELALUI PENGGUNAAN QRIS BCA Kartini, Ida Ayu Nuh; Fajri, Dava Rizqi Al; Tinara, Randy Dwi; Rahmad, Adi; Saputra, Erlangga Rifki
BESIRU : Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2026): BESIRU : Jurnal Pengabdian Masyarakat, Januari 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/besiru.v3i1.2195

Abstract

The development of digital banking has transformed payment systems, particularly through the implementation of cashless transactions. Banking management plays an important role in ensuring efficiency, service quality, and transaction security in digital payment systems. One of the widely used digital payment instruments in Indonesia is the Quick Response Code Indonesian Standard (QRIS). Bank Central Asia (BCA), as a national private bank, provides QRIS services integrated with mobile banking applications. This community service activity aims to improve public understanding of banking management implementation through the use of QRIS BCA as an object of study. The methods used include socialization, practical assistance, and interactive discussions. The results show an increase in public awareness of operational efficiency, service management, and risk control in cashless transactions. This activity is educational and independent in nature and does not represent the official policy of PT Bank Central Asia Tbk.
Peran Digitalisasi dalam Meningkatkan Layanan Nasabah Pada Bank BRI KC Surabaya Kertajaya Kartini, Ida Ayu Nuh; El Ghifary, Dianizar; Luckyta, Bima Wahyu; Indriyani, Titis Elvina; Sunur, Nandathia Intan
Nanggroe: Jurnal Pengabdian Cendikia Vol 4, No 9 (2025): December 2025
Publisher : Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18013598

Abstract

Digitalization in banking services has also influenced how customers access information and conduct transactions. Research by Ginanjar and Pasaribu highlights the impact of e-banking facilities and social media in building customer satisfaction and loyalty. In this context, the use of social media as a communication and promotional tool is highly relevant for banks to reach a broader customer base and meet their needs in real time. Bank BRI KC Surabaya Kertajaya has positioned the BRImo application as the core of its digital customer service transformation. This effort focuses not only on technological development but also on customer empowerment through tailored educational programs, particularly for those who are less familiar with the digital environment. The objective is to ensure that every customer, without exception, can experience the convenience and benefits offered by digital banking services. The implementation of digitalization through BRImo has had a significant impact on customer satisfaction. Improved accessibility, an attractive application user interface, and comprehensive features have enhanced the overall customer experience. This demonstrates that investment in digital technology, when executed effectively, can lead to significant improvements in service quality and customer loyalty.
Sosialisasi Manajemen Investasi Melalui Produk Deposito Berjangka Pada Layanan Perbankan Digital Firmansyah, Alfin Cahya; Rahmawati, Herlini Sanika; Darmawan, Indra Manggala Dwi; Kartini, Ida Ayu Nuh
IRA Jurnal Pengabdian Kepada Masyarakat (IRAJPKM) Vol 3 No 3 (2025): Desember
Publisher : CV. IRA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56862/irajpkm.v3i3.377

Abstract

This community service activity aims to improve participants’ understanding of investment management through SeaBank's time deposit products. The activity employed a qualitative approach involving 30 sales employees of JAECOO in the automotive sector. The program was conducted through face-to-face socialization using lecture-based methods supported by presentation media, as well as hands-on practice in opening time deposits via the SeaBank mobile application. The materials delivered included fundamental concepts of investment management, characteristics of time deposit products, return calculation simulations, and technical tutorials on the deposit process. The results indicate a significant improvement in participants’ knowledge and skills in managing low-risk investments through digital banking services. This activity enhances financial literacy and promotes more rational investment decision-making among participants.
Analisis Pengelolaan Risiko pada Layanan Digital Banking Bank BNI Kartini, Ida Ayu Nuh; Farandila, Mohammad Luqman; Ernanto, Bimantara Putra; Indriarto, Rafi Putra; Musta’in, Muhammad Thufail
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 3 No. 1 (2026): CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah, Januari 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/cendekia.v3i1.2205

Abstract

The use of digital technology in the banking sector has changed the way people conduct transactions. Digital banking has now become the primary choice for banks to provide practical and fast services. Bank Negara Indonesia (BNI) is actively developing digital services to improve service quality. However, digital services also pose risks that can affect the security and stability of the banking system. This study focuses on identifying the risks in the use of digital banking and the risk management practices implemented by BNI. The research uses a descriptive qualitative approach with techniques of interviews, observation, and document review. The findings show that BNI's risk management is effective, although customer awareness of digital security needs to be improved.
Eksplorasi Faktor-Faktor Kepuasan Pengguna Asuransi Mandiri InHealth: Perspektif Internal Pengelola Program Kartini, Ida Ayu Nuh; Powo, Mariana Peka; Sunda, Nico Api; Kristian, Debora
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 3 No. 1 (2026): CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah, Januari 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/cendekia.v3i1.2206

Abstract

This study aims to analyze the factors that influence the satisfaction of Mandiri InHealth Insurance users among holders of Mandiri InHealth life and health insurance cards. User satisfaction is a crucial indicator in evaluating the success of health insurance services, particularly in the context of corporate partnerships. This study employs a quantitative approach, utilizing a survey method directed at Mandiri InHealth employees and staff, who are both users of Mandiri InHealth Insurance and the personnel responsible for providing life and health insurance services to corporations that utilize InHealth Insurance.The factors analyzed included the quality of service, ease of claims, speed of service, insurance benefits, and reliability of information. The results of the study indicate that all independent variables have a significant impact on user satisfaction. These findings are expected to serve as a basis for evaluation for insurance providers in enhancing service quality.
TRANSFORMASI DIGITAL PERBANKAN: ANALISIS IMPLEMENTASI TEKNOLOGI FINANCIAL TECHNOLOGY (FINTECH) DALAM MENINGKATKAN LAYANAN PERBANKAN DI PT BANK CENTRAL ASIA TBK Handa, Nur; Kartini, Ida Ayu Nuh; Ridwanda, Zahwa Nabilla; Zhannah, Putri Nur Miftahul
SINERGI : Jurnal Riset Ilmiah Vol. 2 No. 12 (2025): SINERGI : Jurnal Riset Ilmiah, Desember 2025
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/sinergi.v2i12.2134

Abstract

Abstract This study aims to analyze the implementation of Financial Technology (Fintech) in digital banking transformation at PT Bank Central Asia Tbk (BCA). The research method used is library research with a descriptive-analytical qualitative approach, utilizing academic literature from the 2021-2025 period from various reputable scientific databases. The research results show that BCA has implemented a comprehensive digital transformation strategy through technology and infrastructure investment with an increase in IT Capital Expenditure allocation of 8-10%, adoption of advanced technologies such as Artificial Intelligence, Robotic Process Automation, and Natural Language Processing, as well as development of innovative digital products such as m-BCA, myBCA, blu, VIRA, QRku, and Sakuku. Fintech implementation has a significant impact on operational efficiency with a decrease in Cost to Income Ratio from 43.7% to 34.3%, increased customer satisfaction through faster and more accessible services, and expansion of digital financial inclusion. Main challenges include cybersecurity, regulation, organizational culture change, and legacy system integration, which are managed through a people, process, and technology approach. Success factors include strong management leadership, continuous investment, product innovation, and digital ecosystem collaboration that enable BCA to maintain its competitive position as a leading bank in Indonesia. Abstrak Penelitian ini bertujuan untuk menganalisis implementasi teknologi Financial Technology (Fintech) dalam transformasi digital perbankan di PT Bank Central Asia Tbk (BCA). Metode penelitian yang digunakan adalah studi pustaka (library research) dengan pendekatan kualitatif deskriptif-analitis, menggunakan literatur akademik periode 2021-2025 dari berbagai basis data ilmiah bereputasi. Hasil penelitian menunjukkan bahwa BCA telah mengimplementasikan strategi transformasi digital yang komprehensif melalui investasi teknologi dan infrastruktur dengan peningkatan alokasi Capital Expenditure IT sebesar 8-10%, adopsi teknologi canggih seperti Artificial Intelligence, Robotic Process Automation, dan Natural Language Processing, serta pengembangan produk digital inovatif seperti m-BCA, myBCA, blu, VIRA, QRku, dan Sakuku. Implementasi Fintech memberikan dampak signifikan terhadap efisiensi operasional dengan penurunan Cost to Income Ratio dari 43,7% menjadi 34,3%, peningkatan kepuasan nasabah melalui layanan yang lebih cepat dan mudah diakses, serta perluasan inklusi keuangan digital. Tantangan utama meliputi keamanan siber, regulasi, perubahan budaya organisasi, dan integrasi sistem legacy, yang dikelola melalui pendekatan people, process, and technology. Faktor keberhasilan mencakup kepemimpinan manajemen yang kuat, investasi berkelanjutan, inovasi produk, dan kolaborasi ekosistem digital yang memungkinkan BCA mempertahankan posisi kompetitif sebagai bank terkemuka di Indonesia.
Co-Authors Adi, Farhan Aggraini, Nunung Akbar, Jalaluddin Mohammad Alamsyah, Muhammad Aktoriel Aziz, M. Saiful Azzahra, Aulia Sintya Darmawan, Indra Manggala Dwi Diroska, Risqi Tirta Djonien, Azarya B. Djumaifin, Thesalonika El Ghifary, Dianizar Ernanto, Bimantara Putra Fajri, Dava Rizqi Al Fajrin Naja, M. Afrirul Farandila, Mohammad Luqman Firmansyah, Alfin Cahya Handa, Nur Ilham, M. Shafrial Indriarto, Rafi Putra Indriyani, Titis Elvina Islamiyah, Aulya Nurul Khairunnisa, Waasi’u Kristian, Debora Luckyta, Bima Wahyu Meilani, Revi Musta’in, Muhammad Thufail Muttaqin, Muhammad Zukhruful Nekky Rahmiyati Ningsih, Riyana Astutik Powo, Mariana Peka Pranoto, Felix Chandra Prasetya, Mahfud Eko Pratama, Anthon Yoga Rahmad, Adi Rahmawati, Herlini Sanika Ridwanda, Zahwa Nabilla Rini Rahayu Sihmawati Sandari, Tries Ellia Saputra, Erlangga Rifki Siti Romlah Soebandono, Mochamad Raka Putra Soemadijo, Pramita Studiviany Studiviany, Pramita Sunda, Nico Api Sunur, Nandathia Intan Syarief, Dwi Jayanthi Tinara, Randy Dwi Zhannah, Putri Nur Miftahul