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TRANSPARENCY OF INFORMATION AS A FORM OF CONSUMER PROTECTION IN FINANCIAL SERVICES INDUSTRY (CASE STUDY ON LIVIN”™ BY MANDIRI MOBILE BANKING USER) Abrianto, Heri; Hadiati Farhani, Nuraeni; Cipta Bidhari, Sandhika; Hamonangan Pasaribu, Edward Hot; Neila, Neila
Jurnal Aktual Akuntansi Keuangan Bisnis Terapan (AKUNBISNIS) Vol. 7 No. 2 (2024): Vol. 7 No. 2 November 2024
Publisher : Politeknik Negeri Semarang

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Abstract

During the pandemic, banking services are required to be more accommodating to customer needs. One way to meet these demands is that banks must be able to optimize the use of their technology. As a state-owned bank, Bank Mandiri has started digital transformation with the launch of Livin' by Mandiri. This is ensured by prioritizing ease of access, innovation and data security. Banking digitalization has also proven to be important in implementing Bank Mandiri's sustainability initiatives. Digitalization makes it easier to support economic recovery during the pandemic, encourage the development of MSMEs, increase financial inclusion for marginalized communities. The problem that will be formulated in this research is the implementation of information transparency in relation to consumer protection. This research uses a quantitative analysis method based on the results of a questionnaire that will be distributed to students in Politeknik Negeri Jakarta who use the Livin' by Mandiri application. The research independent variable is information transparency and the dependent variable is consumer protection. The research results show that transparency of banking product information, transparency of consumer personal data have a significant impact on consumer protection.
Efisiensi Bank Umum dengan Pendekatan Data Envelopment Analysis (DEA) untuk Mewujudkan Green Banking di Indonesia fitri, Heti Suryani Fitri; Abrianto, Heri; Ramadhani, Annisa Alifa; Dewanti, Lintang Kresna; Jatiningrum, Pebriantika Wahyu; Khairunnisa, Khairunnisa
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i1.1323

Abstract

Banking competitiveness can be reflected in the level of operational efficiency. Measuring performance based on efficiency is very crucial for banks. Banks that have better performance must manage efficiency levels to be better able to compete. This research aims to determine the level of efficiency of commercial banks and the potential for improving commercial bank inefficiencies. This type of research is quantitative descriptive research. The sample taken used purposive sampling, namely taking KBMI 4 banks, namely commercial banks which have core capital of more than 70 trillion, consisting of Bank BNI, Bank Mandiri, Bank BCA and Bank BRI. The data analysis method uses Data Envelopment Analysis (DEA) and the software used is MaxDEA. The results of this research show that the KBMI 4 bank that has achieved the most perfect efficiency levels, namely an efficiency score equal to 1, is BRI.  The reason for Bank KBMI's inefficiency 4 is that most of the resources used have not been able to increase interest income and fee based income. Potential improvements that can be made are by increasing Third Party Funds, increasing total assets, reducing labor costs and switching manual transaction strategies to digital transactions
Efisiensi Perbankan dengan Pendekatan Data Envelopment Analysis untuk Mewujudkan Green Banking di Indonesia Fitri, Heti Suryani; Abrianto, Heri; Ramadhani, Annisa Alifa; Dewanti, Lintang Kresna; Jatiningrum, Pebriantika Wahyu; Khairunnisa, Khairunnisa
Jurnal Disrupsi Bisnis Vol. 7 No. 6 (2024): Jurnal Disrupsi Bisnis
Publisher : Prodi Manajemen, Fakultas Ekonomi, Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/drb.v7i6.44577

Abstract

Efisiensi perbankan menunjukkan daya saing bank di Indonesia. Mengukur kinerja berdasarkan efisiensi menjadi hal yang sangat penting bagi bank. Bank yang memiliki kinerja lebih baik harus mengelola tingkat efisiensi agar lebih mampu berkompetisi dengan bank di dunia. Penelitian ini bertujuan untuk mengetahui tingkat efisiensi bank umum serta potensi perbaikan inefisiensi bank umum di Indonesia. Jenis penelitian ini merupakan penelitian deskriptif kuantitatif. Sampel yang diambil menggunakan bank KBMI 4 yang menguasai aset perbankan di Indonesia, terdiri dari Bank BNI, Bank Mandiri, Bank BRI, dan Bank BCA. Metode analisis data menggunakan Data Envelompent Analysis (DEA) dan software yang digunakan adalah MaxDEA. Hasil penelitian ini menunjukkan bahwa bank KBMI 4 yang paling banyak mencapai tingkat efisiensi sempurna yaitu skor efisiensi sama dengan 1 adalah BRI.  Penyebab tidak efisien Bank KBMI 4 sebagian besar sumber daya yang digunakan belum dapat meningkatkan pendapatan bunga. Dari hasil pengujian bank harus melakukan perbaikan yaitu dengan meningkatkan Dana Pihak Ketiga, meningkatkan total aset, mengurangi biaya tenaga kerja dan strategi switching manual transaction ke digital transaction sehingga dapat mewujudkan green banking di Indonesia.
STRATEGI PENINGKATAN SUMBER DAYA MANUSIA DI BIDANG PERENCANAAN KEUANGAN KEPADA PEGAWAI PDAM KABUPATEN BOGOR Mirati, R. Elly; Purwaningrum, Endang; Abrianto, Heri; Audinasari, Rifka
Lumbung Inovasi: Jurnal Pengabdian kepada Masyarakat Vol. 11 No. 1 (2026): March
Publisher : Lembaga Penelitian dan Pemberdayaan Masyarakat (LITPAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/linov.v11i1.4691

Abstract

Permasalahan yang menjadi prioritas utama kegiatan pengabdian masyarakat  di PDAM Kota Bogor  adalah kurangnya pemahaman mengenai pengelolaan keuangan untuk mempersiapkan keuangan masa kini dan masa pensiun. Hal ini disebabkan oleh perencanaan keuangan yang tidak terencana dan ketidakmampuan memanfaatkan media sosial dan aplikasi keuangan yang mempromosikan dan melakukan literasi kepada masyarakat oleh lembaga seperti Otoritas Jasa Keuangan. Tujuan kegiatan ini adalah meningkatkan kualitas sumber daya manusia  dengan pengenalan kepada saham dan reksadana yang ditawarkan dalam Bursa Efek Indonesia untuk mendukung peningkatan literasi keuangan berkelanjutan dan pemanfaatan media sosial untuk  literasi keuangan kepada masyarajkat. Metode yang digunakan adalah Participatory Action Research (PAR), yang melibatkan tahapan survei, koordinasi dengan Perusahaan Daerah Air Minum (PDAM), pelatihan, dan valuasi. Peserta pelatihan sebanyak 56 orang. Hasil pelatihan menunjukkan peningkatan signifikan. Terlihat dari hasil pre test tentang pengetahuan dan profil investasi peserta yang menunjukan angka 45  menjadi 94,5  pada hasil Post test artinya mengalami kenaikan 52% dalam pemahaman  tentang pengelolaan keuangan berkelanjutan. Kegiatan ini diharapkan dapat mendorong peningkatan pemahaman akan pentingnya pengelolaan keuangan dengan menggunakan perangkat  Motion Trade  dengan pemantauan setelah pelatihan secara berkelanjutan di Perusahaan Daerah Air Minum, Kota Bogor. Strategy for Enhancing Human Resources in Financial Planning for Employees of the Regional Drinking Water Company (PDAM) of Bogor City  Abstract The primary issue addressed in this community service program at the Regional Drinking Water Company (PDAM) of Bogor City is the limited understanding of financial management for both current needs and retirement planning. This condition is largely attributed to inadequate financial planning and the limited ability to utilize social media and financial applications that promote financial literacy, such as those provided by the Financial Services Authority (OJK). The objective of this program is to enhance human resource capacity through the introduction of investment instruments, including stocks and mutual funds available on the Indonesia Stock Exchange, in order to support sustainable financial literacy and promote the use of social media as a tool for public financial education. This study employed a Participatory Action Research (PAR) approach, which involved several stages: initial survey, coordination with PDAM, training implementation, and evaluation. A total of 56 participants were involved in the training. The results indicate a significant improvement in participants’ understanding of sustainable financial management. The average pre-test score increased from 45 to 94.5 in the post-test, reflecting a 52% improvement in financial literacy. This program is expected to foster greater awareness of the importance of financial management through the use of the MotionTrade application, supported by continuous post-training monitoring within PDAM Bogor City.