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All Journal Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Maneksi (Management Ekonomi Dan Akuntansi) BERDIKARI : Jurnal Inovasi dan Penerapan Ipteks JURNAL AKTUAL AKUNTANSI KEUANGAN BISNIS TERAPAN (AKUNBISNIS) Jurnal Disrupsi Bisnis Mitra Akademia: Jurnal Pengabdian Masyarakat Journal of Artificial Intelligence and Digital Business Al-Muzdahir: Jurnal Ekonomi Syariah
Abrianto, Heri
Unknown Affiliation
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Social Sciences

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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

Show Abstract | Download Original | Original Source | Check in Google Scholar

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.
Co-Authors Agus Supriyadi Andika, Mia Annisa Alifa Ramadhani Cahyani, Nani Dwi Cipta Bidhari, Sandhika Dewanti, Lintang Kresna Fitri, Heti Suryani fitri, Heti Suryani Fitri Hadiati Farhani, Nuraeni Hafshah, Nabila Hamonangan Pasaribu, Edward Hot Hastuti Redyanita Jatiningrum, Pebriantika Wahyu Khairunnisa Khairunnisa Listiawati, Rodiana Mirati, R. Elly muchtar, ali masjono Neila, Neila Ramadanty, Nur Evitriana Rimenda, Tetty Salsabila, Jasmine Allykha Sujarwo Sujarwo Vidyasari, Rahmanita