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All Journal Jurnal Manajemen dan Organisasi Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Journal of Accounting and Investment JURNAL EKONOMI DAN BISNIS AIRLANGGA Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) JBMP (Jurnal Bisnis, Manajemen dan Perbankan) International Journal of Social Science and Business Develop Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Pengabdian Masyarakat Indonesia Eduvest - Journal of Universal Studies IIJSE
Wita Juwita Ermawati
Department Of Management, Faculty Of Economics And Management, Institut Pertanian Bogor, Bogor, Indonesia
Aerospace Engineering Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Neuroscience Public Health Social Sciences Transportation Other

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Penerapan Digital Learning untuk Peningkatan Kualitas Pembelajaran Matematika dan Bahasa Inggris di Desa Benteng, Kecamatan Ciampea, Kabupaten Bogor Hardiana Widyastuti; Fany Apriliani; Wita Juwita Ermawati; Bagus Sartono; Kartika Novira Anggraeni; Hafiz Syaikhul Musthafa
Jurnal Pengabdian Masyarakat Indonesia Vol 5 No 4 (2025): JPMI - Agustus 2025
Publisher : CV Infinite Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52436/1.jpmi.3718

Abstract

Anak-anak usia sekolah dasar di Desa Benteng, Kecamatan Ciampea, Kabupaten Bogor memiliki kesulitan terhadap pelajaran matematika dan bahasa inggris. Hal tersebut disebabkan oleh rendahnya motivasi belajar siswa, kurangnya dukungan keluarga, kurangnya relawan pengajar, serta kurangnya inovasi dalam penerapan media pembelajaran. Padahal pelajaran matematika dan bahasa inggris merupakan mata ajaran penting yang dapat mengembangkan logika, kreativitas, pemecahan masalah dan kemampuan berkomunikasi global. Program Pengabdian Masyarakat ini bertujuan untuk meningkatkan kualitas pembelajaran matematika dan bahasa inggris bagi siswa sekolah dasar di Desa Benteng, Kecamatan Ciampea, Kabupaten Bogor. Metode pelaksanaan kegiatan meliputi persiapan, pelaksanaan, pendampingan dan evaluasi, serta keberlanjutan program. Kegiatan belajar mengadopsi modul cetak menjadi digital dengan nama aplikasi “Binar Cerdas”. Hasil kegiatan menunjukan peningkatan minat dan pemahaman siswa terhadap mata pelajaran matematika dan bahasa inggris. Hasil belajar siswa menunjukan rata-rata skor pre-test sebesar 25,46 dan rata-rata skor post-test meningkat menjadi 78. Para siswa mulai percaya diri mengucapkan kalimat dalam bahasa inggris. Dampak kegiatan ini antara lain motivasi belajar siswa meningkat, terbukti dari konsistensi kehadiran para siswa untuk mengikuti kegiatan belajar, serta para orang tua siswa turut berpartisipasi dalam penggunaan aplikasi “Binar Cerdas”.
Analysis Of Factors Affecting The Intensity Of Octo-Mobile Usage By CIMB Niaga Eka Ayu Agustina; Wita Juwita Ermawati; Rizal Ahmad Fauzi
Eduvest - Journal of Universal Studies Vol. 4 No. 8 (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.v4i8.1443

Abstract

This study aims to analyze the factors that influence the intensity of use of Octo Mobile mobile banking by CIMB Niaga. This study identifies 8 variables, namely perceived useful-ness, perceived ease of use, interaction needs, perceived risk, perceived cost, trust, credi-bility and compatibility with lifestyle. Through hypothesis testing, this study confirmed the significant effect of these variables on the intensity of use of Octo Mobile. The results show that the most influential factor is compatibility with lifestyle and user needs. This indicates that users highly value the compatibility of mobile banking features with their daily banking activities and overall lifestyle. The next influential factor is the credibility of CIMB Niaga as a mobile banking service provider. Users perceive CIMB Niaga as a trustworthy institution, which ensures the security of personal information and transactions, thus increasing their confidence in using the service. The last influencing factor is perceived usefulness. Users feel that Octo Mobile by CIMB Niaga improves their job performance, makes banking tasks easier, and is overall useful. These findings suggest that to increase the intensity of Octo Mobile usage, CIMB Niaga needs to focus on improving the compatibility of the service with modern lifestyles, maintaining and enhancing credibility through strong security measures and transparent privacy policies, and continuing to innovate to add features that are useful and make users' banking activities easier. This strategic approach is expected to not only increase the intensity of usage but also directly proportional to the increase in bank revenue.
Pengaruh Diversifikasi Pendapatan Terhadap Profitabilitas dan Stabilitas Perbankan di Indonesia: The Impact of Income Diversification on Banking Profitability and Stability in Indonesia Tiara Kusumadewi; Wita Juwita Ermawati; Tony Irawan
Jurnal Aplikasi Bisnis dan Manajemen Vol. 10 No. 1 (2024): JABM, Vol. 10 No. 1, January 2024
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.10.1.239

Abstract

The global economic crisis that occurred during the COVID-19 pandemic causing credit contraction that negatively affected the banking industry. Previous studies have shown that diversifying the bank's income to non-interest sources able to rescue banks to overcome financial hardship in the crisis but very few studies have been conducted to measure the impact of crisis during COVID-19 pandemic on bank’s profitability and stability. This paper aims to investigates the dynamics and the impact of income diversification on banking profitability and stability in Indonesia uses statistic descriptive and panel data regression of 72 conventional banks grouped into business groups based on core capital during 2017-2021 period, along with bank-specific (cost to income, loan to deposit ratio, capital adequacy ratio, size) and macroeconomic (crisis dummy during COVID-19 pandemic) used as control variables. Based on statistic descriptive, BUKU 1 group's income diversification increased during the crisis but shown a low profitability and stability. BUKU 2 and BUKU 3 group’s stability increased during the crisis but income diversification and profitability decreased. BUKU 4 group has the finest income diversification approach for achieving great profitability and stability. Results of panel data regression show that income diversification have a positive impact on bank’s profitability and stability. Keywords: conventional bank, crisis during covid-19 pandemic, bank’s income diversification, bank’s profitability, bank’s stability
Rationality of Institutional Investor and Investment Decisions in Crisis (A Case Study in Indonesia's Top-4 Banks) Yudha Pradipta Putra; Wita Juwita Ermawati; Gendut Suprayitno
Jurnal Aplikasi Bisnis dan Manajemen Vol. 10 No. 1 (2024): JABM, Vol. 10 No. 1, January 2024
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.10.1.125

Abstract

The Covid-19 pandemic triggered fluctuations on the Indonesia Stock Exchange (BEI), particularly in 2020 and 2021. Using data from 720 institutional investors from Indonesia's four largest banks (known as KBMI 4), this study aims to (1) examine the rationality of institutional investors during the pandemic by focusing on investment changes and (2) identifying variables associated with macroeconomics, financial fundamentals, and stock performance that may influence their investment decision. This study employed the Kruskal-Wallis test followed by Dunnett's Multiple Comparison Test. The analysis of the entire sample of investors revealed no statistically significant differences in the value of their investments during the observation period. Further clustered based analysis reveals that investors with high investment value (>$98,700) exhibit investment dynamics, as investment values rose from pre-pandemic levels. The conclusion is that institutional investors have a distinct rationality than individual investors and are generally less susceptible to bias. Panel data modeling: inflation rate, Loan at Risk (LAR) ratio, LAR coverage and Return on Equity (ROE) have a statistically significant impact on the stock investments made by institutional investors in KBMI 4 banks. This identifies asset quality and profitability as two crucial considerations for investors during the pandemic-induced crisis. Keywords: behavioral finance, covid-19, determinant factors, institutional investors, stock investment
The Role of Circular Economy Dimensions in Strengthening Sustainable Supply Chain Management Lucia Dyah Lestari; Wita Juwita Ermawati; Eko Ruddy Cahyadi
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 5 (2025): Dinasti International Journal of Economics, Finance & Accounting (November - De
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i5.5295

Abstract

This study aims to uncover the effect of circular economy practices on sustainable supply chain management and to identify which dimensions of the circular economy most significantly contribute to improving supply chain performance. The research was conducted between February and April 2025 in the Cigondewah area of Bandung City, West Java, known as a center for small and medium-sized textile industries. A quantitative approach was employed, utilizing surveys and documentation analysis. Data were collected from 120 textile business actors through structured questionnaires and interviews, supported by secondary data from industry reports and government sustainability policies. The findings demonstrate that the implementation of circular economy practices has a positive and significant influence on the performance of sustainable supply chains. Through dimensional analysis, the study reveals that Rethink, Refurbish, and Reuse strongly enhance cost efficiency; Reuse, Reduce, and Recycle improve agility; and Rethink, Repurpose, Reuse, and Recycle effectively support environmental sustainability. Social sustainability is primarily driven by Recycle, while Remanufacture and Recover require strategic improvement. Reliability is strengthened by Recycle, Repurpose, Reuse, and Rethink, but Recover remains a key challenge. In the dimension of responsiveness, Recycle performs well, while Remanufacture and Recover need targeted attention. These insights provide practical implications for prioritizing specific circular economy dimensions to advance supply chain sustainability in the textile sector.
DIGITAL PAYMENT TRANSFORMATION AND ITS IMPACT ON BANK PERFORMANCE AND STABILITY: THE CASE OF INDONESIA’S QRIS ADOPTION Lintang Selviana Aswan; Rizal Ahmad Fauzi; Wita Juwita Ermawati
Jurnal Ekonomi dan Bisnis Airlangga Vol. 36 No. 1 (2026): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V36I12026.1-15

Abstract

Introduction: This study investigates the impact of QRIS (Quick Response Code Indonesian Standard) adoption on the financial performance and stability of Indonesian banks during the 2020–2024, focusing on key indicators under varying macroeconomic conditions. Methods: A quantitative approach is applies panel data regression using the Common Effect Model to analyze the effects of the QRIS Index on performance indicators such as Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM), and the effects of QRIS Growth on financial stability indicators including Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and Z-score. Results: The QRIS Index has a positive and significant impact on all performance indicators, suggesting improved bank efficiency and profitability through digital payment integration. Conversely, rapid QRIS Growth is associated with a significant decline in financial stability, as indicated by increased credit and liquidity risks and reduced capital buffers. Macroeconomic variables such as inflation and the BI Rate also significantly influence the results. Conclusion and suggestion: QRIS adoption promotes profitability, its expansion must be accompanied by robust risk management and supervisory readiness to mitigate systemic vulnerabilities in the long term.
Conventional Banking Super Apps: Perspectives from Generation Z: Aplikasi Super Perbankan Konvensional: Perspektif Generasi Z Mia Windyaningsih; Rizal Ahmad Fauzi; Wita Juwita Ermawati
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol. 11 No. 2 (2025): September
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v11i2.2194

Abstract

Super Apps are versatile applications that integrate various financial services within a single platform. The Super Apps referred to in this research belong to conventional banks, such as Wondr by BNI, Bale by BTN, Livin' by Mandiri, BRImo by BRI, myBCA, and BYOND by BSI. Amidst an increasingly competitive financial landscape with the presence of digital banks and fintech, understanding Generation Z's preferences becomes crucial, given that they are the largest digital users and the banking industry's primary future market. This research endeavors to identify and analyze the factors influencing Generation Z's interest in using conventional bank Super Apps. The framework implemented is a quantitative associative approach; data was procured from 110 Generation Z respondents through purposive sampling. Multiple regression analysis was applied to the variables of convenience (X1), environmental influence (X2), service features (X3), digital experience (X4), bank reputation (X5), and promotion (X6) on the interest in using Super Apps (Y). The results show that convenience, environmental influence, digital experience, and bank reputation significantly affect interest. However, service features and promotion were not found to have a significant influence. These findings provide crucial insights for conventional banks in developing effective strategies to attract Generation Z.
Co-Authors Alim Setiawan Slamet Annisa Nurawalia Asrini Asrini Aushaf Indra Luhfhi, Gusti Bagus Sartono Conchita Valentina Latupapua Eka Ayu Agustina Eko Ruddy Cahyadi Fany Apriliani Fariyanti, Anna Fauziah, Amelisa Gendut Suprayitno Hafiz Syaikhul Musthafa Hardiana Widyastuti Helmy Assegaff Heti Mulyati Juanda Juanda Kaewlaead, Chuta Kartika Novira Anggraeni Khaira Amalia Fachrudin Lintang Selviana Aswan Lucia Dyah Lestari Lumban Benget Hutajulu Mia Windyaningsih Mokhamad Syaefudin Andrianto Muhamad Rizky Ramadhan Mushtofa Mushtofa musnaini musnaini Nurul Hidayati Rindang Matoati, Rindang Rizal Ahmad Fauzi Rizal Ahmad Fauzi Rizal Ahmad Fauzi Rizky Ramadhoni, Refindi Siti Rahmawati Tiara Kusumadewi Tony Irawan Yudha Pradipta Putra