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All Journal Jurnal Mirai Management Syntax Literate: Jurnal Ilmiah Indonesia EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) GUYUB: Journal of Community Engagement Jurnal Sosial dan Teknologi Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah ALMUJTAMAE: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Bisnis dan Manajemen Journal of Comprehensive Science Journal of Indonesian Sharia Economics SENTRI: Jurnal Riset Ilmiah Jurnal Pengabdian Masyarakat Bhinneka Profit: Jurnal Manajemen, Bisnis dan Akuntansi Journal of Artificial Intelligence and Digital Business Mizania : Jurnal Ekonomi dan Akuntansi Innovative: Journal Of Social Science Research Money: Journal of Financial and Islamic Banking Advances In Social Humanities Research AsbaK Jurnal Ekonomi dan Bisnis Jurnal Budaya, Pariwisata, dan Ekonomi Kreatif Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Ecobankers : Journal of Economy and Banking J-CEKI Ash-Shidqu: Jurnal Ekonomi Syariah
Vidiati, Cory
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Public Health Social Sciences Other

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Analisis Dampak Keberadaan Website Desa terhadap Transparansi dan Partisipasi Masyarakat Desa Tuk Kodriyah, Dewi; Vidiati, Cory
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3592

Abstract

This research is motivated by the urgency of implementing Good Governance principles at the village level through digital innovation in the form of a village website that serves as an instrument of transparency and public participation. The purpose of this study is to analyze the impact of the Tuk Village website on increasing public information transparency and community participation in village governance. This study uses a qualitative method with a descriptive approach, through field observations, document studies, and interviews with village officials and the community. The results show that the Tuk Village website has contributed significantly to opening access to public information, such as the publication of the Village Budget (APBDes), Village Work Plan (RKPDes), and online financial reports. However, the effectiveness of digital transparency is still limited due to internal constraints such as low human resource capacity in content management and external constraints such as low digital literacy and community participation. The findings indicate that digital transparency has not yet fully translated into substantive accountability, but rather remains administrative in nature. The implications of this research emphasize the need to strengthen the capacity of village officials, improve community digital literacy, and integrate technology, participation, and accountability so that village websites can function not only as information media but also as a means of participatory democracy that strengthens public trust and the effectiveness of village governance.
Implementasi Prinsip Kehati-Hatian Untuk Mencegah Gagal Bayar dan Fraud dalam Fintech Syariah: Studi Kasus Pada Layanan PayLater Hasanah, Nurul; Vidiati, Cory
Jurnal Mirai Management Vol 11, No 1 (2026)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v11i1.10497

Abstract

Perusahaan fintech yang mengalami pertumbuhan pesat di Indonesia tidak hanya memberikan kemudahan bagi penggunanya, tetapi juga menghadirkan berbagai risiko yang perlu diperhatikan, terutama risiko gagal bayar dan penyalahgunaan data (fraud). Salah satu layanan yang rentan terhadap risiko tersebut adalah Buy Now PayLater (BNPL). Dalam konteks fintech syariah, penerapan prinsip kehati-hatian (prudential principle) menjadi hal yang sangat penting untuk memastikan operasional bisnis tetap sesuai dengan nilai-nilai syariah serta melindungi kepentingan konsumen. Penelitian ini bertujuan untuk menganalisis penerapan prinsip kehati-hatian dalam upaya mencegah risiko gagal bayar dan fraud pada layanan PayLater berbasis syariah. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan data sekunder yang diperoleh melalui studi kepustakaan dari jurnal ilmiah, laporan Otoritas Jasa Keuangan (OJK), dan literatur relevan lainnya. Hasil penelitian menunjukkan bahwa penerapan prinsip kehati-hatian melalui analisis 5C, 4P, dan 3R serta penggunaan sistem Electronic Know Your Customer (e-KYC) mampu meminimalisir risiko gagal bayar dan potensi fraud. Selain itu, peran OJK melalui pengawasan dan penerapan regulasi seperti POJK No. 77 Tahun 2016 dan POJK No. 13 Tahun 2018 juga memperkuat tata kelola serta perlindungan konsumen dalam ekosistem fintech syariah. Dengan demikian, penerapan prinsip kehati-hatian secara optimal dapat menjadi langkah preventif dalam menjaga stabilitas dan keberlanjutan bisnis fintech syariah di Indonesia. Kata kunci: Fintech Syariah; Prinsip kehati-hatian; Risiko Gagal Bayar; Fraud; PayLater.
Transformasi Digital Perbankan Melalui Open Banking dan API: Kajian Literatur dan Studi Kasus pada Aplikasi Livin’ by Mandiri Dillawati, Rhisma; Vidiati, Cory
Jurnal Mirai Management Vol 11, No 1 (2026)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v11i1.10493

Abstract

Transformasi digital telah menjadi pendorong utama perubahan dalam industri perbankan Indonesia, salah satunya melalui penerapan open banking dan Application Programming Interface (API). Artikel ini menganalisis perkembangan konsep open banking serta implementasinya melalui studi kasus aplikasi Livin’ by Mandiri. Penelitian menggunakan pendekatan kualitatif berbasis kajian literatur dan analisis data sekunder terkait fitur, regulasi, serta performa layanan digital Bank Mandiri. Hasil kajian menunjukkan bahwa open banking memungkinkan kolaborasi yang lebih luas antara bank dan pihak ketiga, sehingga meningkatkan inovasi produk, efisiensi operasional, dan pengalaman pengguna. Studi kasus pada Livin’ by Mandiri memperlihatkan bahwa integrasi API mampu mendukung layanan pembayaran, top-up, direct debit, serta konektivitas dengan berbagai platform digital. Meski demikian, implementasi open banking masih menghadapi tantangan, terutama terkait keamanan data, kesiapan infrastruktur, serta literasi digital nasabah. Penelitian ini menegaskan bahwa API dan open banking berperan penting sebagai fondasi transformasi digital perbankan di Indonesia. Kata kunci: open banking, API, transformasi digital perbankan, inovasi layanan keuangan, Livin’ by Mandiri
Co-Authors Afika, Ayu Ahyar, Aldi Musthofainal Alifa, Alifa Alifia, Tasya Alimna, Fika Amelia, Mila Angoy, Raisalam D. Arie Pratama, Fidya Arnelia Putri Pratiwi Auliah, Siti Avwa, Pina Ainul Dapiah Dillawati, Rhisma Erlinda, Ela Faiz Amin, Nur M. Fernando, Ardi Habibah, Fadiyah Putri Nur Hernawati, Rita Heru Cahyono Hikmah, Anur Ihdalumam, Abdy Janan, Nabila Kasnawi, Kasnawic Kharimah, Kharimah Kodriyah, Dewi Laeliyah, Rizka Lela, Citra Lubaba, Abu Maula, Ripdatul Mohammad Ridwan Muhammad Ridwan Mukholid, Wildani Munajim, Ahmad Mustaqiem, Akhmad Imam Najwa, Friska Nauroh, Izzwah Negarawati, Esa Nurazizah, Tia Nursindi, Mita Nurul Hasanah Nurul Khasanah, Nurul Penty, Penty Pratama, Gama Pratama, Yahya Huda Pratiwi, Ayu Alfiani Pratiwi, Rina Ari Rahmanto, Agus Rahmawati, Linda Tri Ramadhani, Nurhalimah Rofik, Akhmad Rosalin, Nicha Rosidah Rosidah Sahaya, Aini Selasi, Dini Sinta, Ida Subagja, Gilang Suharto, Taufik Hidayat SUKIRNO Sundayana, Aditia Susanti Susanti Yasin, Muhamad Mufti Yasin, Muhammad Mufti Yulia, Devi