Article Per Year (5 Year)
p-Index From 2021 - 2026
2.932
P-Index
This Author published in this journals
All Journal Journal of Economic, Bussines and Accounting (COSTING) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Kalbisocio: Jurnal Bisnis dan Komunikasi Asian Journal of Community Services (AJCS) Journal of Comprehensive Science Media Ekonomi Jurnal Keuangan dan Perbankan Journal Research of Social Science, Economics, and Management Jurnal Multidisiplin Indonesia
Pracoyo, Antyo
Unknown Affiliation
Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Veterinary Other

Published : 19 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 19 Documents
Search

 1   2 
Analisis Faktor-Faktor Internal yang Berpengaruh Terhadap Pertumbuhan Kredit (Studi Kasus Pada PT. Bank Pembangunan Daerah Papua Periode 2009 – 2024) Toban, Omilka; Budhijana, R. Bambang; Haryanti, Enny; Pracoyo, Antyo
Journal of Comprehensive Science Vol. 5 No. 3 (2026): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v5i3.4106

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor internal terhadap pertumbuhan kredit pada PT Bank Pembangunan Daerah Papua (Bank Papua) selama periode 2009–2024. Faktor internal yang dianalisis meliputi Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), serta Pemanfaatan Teknologi. Pertumbuhan kredit digunakan sebagai variabel dependen dalam penelitian ini. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi linear berganda. Data yang digunakan merupakan data sekunder berupa laporan keuangan tahunan Bank Papua selama periode pengamatan. Sebelum dilakukan pengujian hipotesis, data dianalisis menggunakan statistik deskriptif dan diuji dengan uji asumsi klasik yang meliputi uji normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi. Hasil penelitian menunjukkan bahwa secara parsial Loan to Deposit Ratio (LDR), dan Pemanfaatan Teknologi berpengaruh positif signifikan terhadap pertumbuhan kredit. Sementara itu, Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh negatif signifikan terhadap pertumbuhan kredit. Secara simultan, seluruh variabel independen berpengaruh signifikan terhadap pertumbuhan kredit Bank Papua.
Pengaruh Konflik Generasi, Budaya Organisasi, dan Work-Life Balance Terhadap Kinerja Karyawan Generasi Y dan Z di Kantor Pusat Otoritas Jasa Keuangan Ekayanti, Ni Luh Putu Ayuveda; Pracoyo, Antyo; Haryanti, Enny; Joyosumarto, Subarjo
Journal of Comprehensive Science Vol. 5 No. 3 (2026): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v5i3.4118

Abstract

Perubahan komposisi tenaga kerja yang didominasi oleh Generasi Y dan Z di berbagai organisasi, termasuk Otoritas Jasa Keuangan (OJK), membawa dinamika baru dalam pengelolaan sumber daya manusia. Perbedaan karakteristik antar generasi berpotensi menimbulkan konflik, sementara budaya organisasi dan keseimbangan kehidupan kerja (work-life balance) menjadi faktor kunci dalam mendukung kinerja karyawan. Penelitian ini bertujuan untuk menguji pengaruh faktor-faktor, yaitu konflik generasi, budaya organisasi dan work-life balance, terhadap kinerja karyawan Kantor Pusat Otoritas Jasa Keuangan. Konflik generasi, budaya organisasi dan work-life balance dipilih sebagai variabel independen karena potensi dampaknya terhadap kinerja karyawan, yang merupakan variabel dependen. Teknik analisis menggunakan Statistical Structural Equation Modelling (SEM) dengan pendekatan Partial Least Square (PLS) yang didukung oleh SmartPLS, untuk mengolah data yang diperoleh dari survei kuesioner yang dilakukan secara daring menggunakan Google Form. Hasil penelitian diperoleh Konflik Generasi, Budaya Organisasi, dan Work-Life Balance berpengaruh positif dan signifikan terhadap Kinerja Karyawan. Kesimpulan dari penelitian ini menegaskan bahwa ketiga faktor tersebut merupakan determinan penting dalam meningkatkan kinerja karyawan Generasi Y dan Z. Implikasi manajerial dari penelitian ini adalah perlunya OJK untuk terus memperkuat budaya organisasi yang inklusif, mengelola konflik generasi secara konstruktif melalui program reverse mentoring dan komunikasi lintas generasi, serta menerapkan kebijakan work-life balance yang fleksibel guna mendukung kinerja optimal karyawan di era transformasi digital.
Pengaruh Transformasi Digital, Kompetensi Digital, Reskilling Dan Budaya Digital Terhadap Kinerja Karyawan (Studi Pada Bank Tabungan Negara Cabang Jayapura) Karubaba, Simson Hendrick; Simatupang, Batara Maju; Budhijana, R. Bambang; Pracoyo, Antyo
KALBISOCIO Jurnal Bisnis dan Komunikasi Vol. 13 No. 1 (2026): KALBISOCIO Jurnal Bisnis dan Komunikasi
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/r3cnn753

Abstract

Abstract: This study aims to analyze the variables that influence employee performance at PT Bank Tabungan Negara (Persero) Tbk, Jayapura branch. The endogenous variables used in this study are employee performance, while the endogenous variables are Digital Transformation, Digital Competence, Reskilling, and Digital Culture. This study used a sample of 82 respondents who were permanent employees at the company. The analytical method used in this study was quantitative data analysis. The data processing technique used in this study was Structural Equation Modeling using the SmartPLS 4.0 application. The results of this study indicate that the variables Digital Transformation, Digital Competence, and Digital Culture have a positive effect on employee performance, while the results for the Reskilling variable have no effect on employee performance.  Keywords: Digital Transformation, Digital Competence, Reskilling, Digital Culture and Employee Performance.   Abstrak : Penelitian Penelitian ini bertujuan untuk menganalisis variabel-variabel yang mempunyai pengaruh terhadap kinerja karyawan pada PT Bank Tabungan Negara (Persero) Tbk cabang Jayapura. Variabel endogen yang digunakan dalam penelitian ini adalah kinerja karyawan dan variabel endogen menggunakan Transformasi Digital, Kompetensi Digital, Reskilling dan Budaya Digital. Penelitian ini menggunakan jumlah sampel sebanyak 82 responden yang merupakan karyawan tetap pada perusahaan. Metode analisis yang digunakan didalam penelitian ini adalah menggunakan metode analisis data kuantitatif. Teknik pengolahan data yang digunakan pada penelitian ini adalah dengan metode Struktur Equation Modelling menggunakan aplikasi SmartPLS 4.0. Hasil dari penelitian ini menunjukkan bahwa variabel Transformasi Digital, Kompetensi Digital dan Budaya Digital berpengaruh secara positif terhadap kinerja karyawan, sedangkan hasil pada variabel Reskilling tidak berpengaruh terhadap kinerja karyawan. 
Understanding the Drivers of Turnover Intention: A Study of Workload, Work Environment, Job Satisfaction, and Job Insecurity at PT Bank Papua Imbenai, Yunike Oktovina; Simatupang, Batara Maju; Budhijana, R. Bambang; Pracoyo, Antyo
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 12 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

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

Abstract

The high employee turnover intention poses a serious challenge in retaining quality human resources at PT Bank Pembangunan Daerah Papua. This phenomenon is triggered by several factors, including excessive workload, unsupportive work environment, low job satisfaction, and perceptions of job insecurity among employees. This study aims to analyze the influence of workload, work environment, job satisfaction, and job insecurity on employee turnover intention. The method used in this study is quantitative with a descriptive-verificative approach. The population in this study consists of all permanent employees of PT Bank Pembangunan Daerah Papua, and the sample is determined through purposive sampling with 100 respondents. Data collection is conducted through questionnaires, and data analysis uses Partial Least Square Structural Equation Modeling (PLS SEM). The results show that workload and job insecurity have a significant positive effect on turnover intention, while work environment and job satisfaction have a significant negative effect. This means that the heavier the workload and the higher the job insecurity, the greater the employee's desire to leave. Conversely, a conducive work environment and high job satisfaction can reduce turnover intention. This research emphasizes the importance of management in fairly managing workload, enhancing job security, fostering a positive work atmosphere, and prioritizing employee welfare as part of retention strategies.
The Effect of Digital Marketing Strategy, Brand Awareness, and Customer Satisfaction on Shopee Customer Loyalty in Batam with Customer Engagement as a Mediator Sarawasti Silitonga, Warni; Budhijana, Bambang; Maju Simatupang, Batara; Pracoyo, Antyo
Journal Research of Social Science, Economics, and Management Vol. 5 No. 9 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i9.1399

Abstract

The rapid development of digital technology has transformed marketing strategies in Indonesia, especially in e-commerce. Shopee, as a leading e-commerce platform, employs digital marketing strategies to attract consumers and maintain their loyalty. However, to stay competitive, it is crucial to understand the factors influencing customer loyalty, such as brand awareness, customer satisfaction, and customer engagement. Analyze the impact of digital marketing strategies, brand awareness, and customer satisfaction on Shopee's customer loyalty. Examine the role of customer engagement as a mediating variable in these relationships. This study uses a quantitative approach with a causal design. The sample consists of 200 active Shopee users in Batam. Data was collected using a six-point Likert scale questionnaire and analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS-SEM). The results indicate that digital marketing strategies, brand awareness, and customer satisfaction positively influence customer loyalty and customer engagement. Customer engagement serves as a partial mediator in the relationship between these three variables and customer loyalty. The study concludes that factors like digital marketing strategies, brand awareness, and customer satisfaction influence customer loyalty, with customer engagement acting as a mediator that strengthens these effects.
Integrating ISSM, TAM, and Task-Technology Fit to Explain Trust Formation In Mobile Banking: Evidence from Islamic Banking Suharto, M. A.; Simatupang, Batara Maju; Budhijana, R. Bambang; Pracoyo, Antyo
Jurnal Multidisiplin Indonesia Vol. 5 No. 4 (2026): (2026): Jurnal Multidisiplin Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jmi.v5i4.2676

Abstract

This study investigates the determinants of customer trust in mobile banking within the context of Islamic banking by integrating three major theoretical frameworks: the Information Systems Success Model (ISSM), the Technology Acceptance Model (TAM), and the Task-Technology Fit (TTF). A quantitative approach was employed using survey data collected from 348 respondents, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that system quality, information quality, service quality, task characteristics, structural assurance, perceived usefulness, and perceived ease of use all have significant effects on trust. Among these factors, task characteristics emerge as the most dominant determinant, highlighting the critical role of aligning system functionalities with users' transactional needs. This study contributes to the literature by proposing an integrative framework that explains trust formation as a multidimensional construct shaped by the interaction of technological performance, user perception, and functional alignment. The findings extend prior research by demonstrating that trust is more strongly influenced by task-technology fit than by purely technical or institutional factors. Practically, the results suggest that banking institutions should prioritize user-centered design, real-time information accuracy, and responsive digital services to enhance trust in mobile banking. This study provides both theoretical advancement and actionable insights for improving digital banking strategies in Islamic financial institutions.
The Effect of Work Motivation, Job Satisfaction, and Non-Financial Compensation of Employees on Organizational Commitment Case Study at PT BPR Brata Bhakti Sejahtera Hendro Wibowo, Gunawan; Adriansyah, Ahmad; Maju Simatupang, Batara; Pracoyo, Antyo
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.v6i5.5693

Abstract

This research aims to examine the influence of work motivation, job satisfaction, and non-financial compensation on organizational commitment at PT BPR Brata Bhakti Sejahtera. Organizational commitment is one of the important factors in maintaining employee performance and loyalty in the long term. This study uses a quantitative method with a case study approach and involves 16 respondents who are BPR employees. Data testing was carried out using the chi-square test to determine the relationship between independent and dependent variables. The results of the study indicate that work motivation and non-financial compensation have a significant effect on organizational commitment, each with a significance value of 0.043 and 0.046 (p <0.05). This confirms that employees who have high motivation and receive adequate non-financial compensation such as awards, recognition, and opportunities for self-development tend to have high loyalty to the organization. Meanwhile, job satisfaction does not show a significant effect on organizational commitment, with a significance value of 0.130 (p>0.05). This finding indicates that in the banking context, employee commitment is more influenced by intrinsic motivation and non-material rewards than general job satisfaction.
Enhancing Banking Service Quality through Digital Transformation: A Strategic Analysis of a Regional Development Bank in Papua Giyai, Simon; Maju Simatupang, Batara; Budhijana, R. Bambang; Pracoyo, Antyo
Dinasti International Journal of Economics, Finance & Accounting Vol. 7 No. 1 (2026): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v7i1.6652

Abstract

Digital transformation has become a critical driver in enhancing banking service quality, particularly in regions characterized by infrastructural limitations and low digital literacy. This study aims to formulate strategic approaches to improving service quality through banking digitalization at a regional development bank in Papua, Indonesia. A qualitative case study approach was employed, utilizing semi-structured interviews and document analysis. Data were analyzed using SWOT and the Quantitative Strategic Planning Matrix (QSPM) to identify and prioritize strategic alternatives. The findings reveal that the most effective strategy is the development of inclusive and context-based mobile banking services, which enhance accessibility, operational efficiency, and customer satisfaction. The results demonstrate that successful digital transformation in geographically constrained regions depends not only on technological readiness but also on the organization’s ability to adapt to local socio-economic conditions and varying levels of digital literacy. This study contributes to the literature by extending the bank 4.0 concept into frontier regions through an adaptive and context-sensitive digital banking framework.
When Digital Transformation Fails: Evidence from Rural Banking and the Rise of Compliance-Driven Digitalization Siringoringo, Monang; Simatupang, Batara Maju; Budhijana, Bambang; Pracoyo, Antyo
KALBISOCIO Jurnal Bisnis dan Komunikasi Vol. 13 No. 1 (2026): KALBISOCIO Jurnal Bisnis dan Komunikasi
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/e18bhw08

Abstract

Digital transformation is widely regarded as a key driver of competitiveness and governance in the banking sector. However, empirical evidence from smaller financial institutions remains inconsistent. This study investigates why digital transformation fails to improve governance and competitiveness in rural banking institutions (BPR/BPRS). Drawing on the Resource-Based View (RBV), Dynamic Capability Theory, and Institutional Theory, digital transformation is conceptualized as a multidimensional construct comprising core banking systems, integrated channeling systems, and reporting systems (Bharadwaj et al., 2013; Verhoef et al., 2021). Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the findings reveal that digital transformation does not significantly influence governance or competitiveness. Furthermore, human capital does not moderate these relationships. These findings challenge the dominant assumption that digitalization inherently enhances organizational performance (Vial, 2019). Instead, this study introduces the concept of compliance-driven digitalization, where technology adoption is driven by regulatory pressure rather than strategic intent. This study contributes by providing a failure-based explanation of digital transformation in emerging financial systems.
Co-Authors Ahmad Adriansyah Alamsyah, Farhan Andriani, Meta Argakoesoemah, Mohamad Ramadhan Bagasworo, Wasi Budhijana, Bambang Budhijana, R. Bambang Dwi Kuntari, Arni Ekayanti, Ni Luh Putu Ayuveda Erric Wijaya, Erric Ferli, Ossi Giyai, Simon Hari Murti, Ade Hariyanti, Enny Harun, Paulina Haryanti, Enny Hendro Wibowo, Gunawan Imbenai, Yunike Oktovina Istantoro, Bayu Joyosumarto, Subarjo Karubaba, Simson Hendrick Maju Simatupang, Batara Milach, Azki Zainal Noviyanti, Indah Salsa Paulina Paulina Phimnoi, Kanokwan Purnamaningrum, Tri Kunawangsih Putri, Vidiyanna Rizal Rasyid, Soelaiman Rifani, Milsa Rizal Putri, Vidiyanna Santi Rimadias Sarawasti Silitonga, Warni Setiawati, Asri Simatupang, Batara Maju Siringoringo, Monang Suharto, M. A. Sulistyojati, Putrianti Swastiti, Pradinta Ignatia Toban, Omilka Wardani, Deni