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How risk oversight committees reduce banking risk: the amplifying role of digital innovation Ramdani , Deni; Yudhanto, Wildan; Aziz, Ahmad Abdul; Simamora, Alex Johanes
Jurnal Mantik Vol. 9 No. 1 (2025): May: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v8i5.6339

Abstract

This study investigates the influence of risk oversight committee characteristics on banking risk. This study also investigates the moderating role of digital innovation between the influence of risk oversight committee characteristics on banking risk. Risk oversight committee effectiveness is measured by five key attributes of committee size, independence, financial expertise, risk management expertise, and meeting frequency. Banking risk is assessed across three critical dimensions which are credit risk, liquidity risk, and operational risk. Digital innovation is operationalized using the Indonesian Digital Innovation Award as a proxy for technological maturity. Samples are 27 publicly listed banks on the Indonesian Stock Exchange from 2017 to 2023. The empirical findings reveal that all risk oversight committee attributes are significantly and negatively associated with banking risk, affirming the importance of governance structures in enhancing risk resilience. Furthermore, digital innovation significantly moderates these relationships, amplifying the risk-reducing effects of each committee attributes of size, independence, financial expertise, risk management expertise, and meeting frequency. These results underscore the synergistic value of integrating governance mechanisms with digital transformation initiatives. The study contributes to the literature by bridging corporate governance and financial technology in a risk management context, and offers practical recommendations for regulators and bank executives to strengthen oversight functions in the digital era
Optimalisasi pengelolaan wisata Nepal Van Java untuk mewujudkan destinasi wisata yang berkelanjutan Atika Atika; Eki Melina Widanti; Hadi Sasana; Kenyo Kharisma Kurniasari; Herlina Manurung; Masculine Muhammad Muqorobin; Eva Wulandari; Endang Kartini Panggiarti; Yulida Army Nurcahya; Shintya Novita Rahmawati; Deni Ramdani
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 9, No 2 (2025): March
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v9i2.28942

Abstract

AbstrakWisata Nepal Van Java hingga saat ini masih tergolong dalam kategori wisata berkembang. Kondisi saat ini menunjukkan bahwa pengelolaan Nepal Van Java masih mengalami sejumlah kendala dalam hal sumber daya manusia dan pertanggungjawaban keuangan. Program pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kemampuan pengelolaan wisata Nepal Van Java dengan memberikan pelatihan Bahasa Inggris dasar dan pelatihan pengelolaan keuangan berbasis digital menggunakan aplikasi SI APIK. Metode yang digunakan mencakup observasi dan wawancara, ceramah/penyuluhan/sosialisasi, serta unjuk kerja/demonstrasi/praktik. Program pengabdian diikuti oleh 30 orang yang berasal dari kalangan pengelola wisata dan pemilik UMKM di kawasan Wisata Nepal Van Java. Hasil program pengabdian menunjukkan adanya perubahan positif dalam kapasitas sumber daya manusia. Kapasitas pengelola Nepal Van Java dan pelaku UMKM dalam hal berbahasa Inggris mengalami kenaikan. Peserta program menjadi lebih mampu dalam melayani pengunjung, terutama wisatawan mancanegara. Peserta berhasil menerapkan materi yang dipaparkan narasumber dengan mencoba berkomunikasi menggunakan Bahasa Inggris. Dalam hal pengelolaan keuangan, pengelola dan pemilik UMKM di wilayah Nepal Van Java mengalami peningkatan pengetahuan dan kapabilitas terkait aplikasi keuangan SI APIK. Peserta program mampu melakukan pemasangan aplikasi SI APIK pada gawai peserta dan menggunakannya untuk usaha yang dimiliki.   Kata kunci: pelatihan; komunikasi; Nepal Van Java; pencatatan keuangan digital; wisata berkelanjutan. AbstractNepal Van Java Tourism is still categorized as a developing tourism. Current conditions show that the management of Nepal Van Java is still experiencing several obstacles in terms of human resources and financial accountability. This community service program aims to improve the management capacity of Nepal Van Java tourism by providing basic English training and digital-based financial management training using the SI APIK application. The methods include observation and interviews, lectures/counseling/socialization, and work demonstrations/practices. The community service program was attended by 30 people, including tourism managers and MSME owners in the Nepal Van Java Tourism area. The results of the community service program showed positive changes in human resource capacity. The capacity of Nepal Van Java managers and MSME actors in terms of English has increased. Program participants became more capable of serving visitors, especially foreign tourists. Participants succeeded in implementing the material presented by the resource person by trying to communicate using English. In terms of financial management, MSME managers and owners in the Nepal Van Java area experienced increased knowledge and capabilities related to the SI APIK. The participants were able to install the SI APIK application on their gadgets and use it for their businesses. Keywords: training; communication; Nepal Van Java; digital financial records; sustainable tourism.
ANALISIS STRATEGI PEMASARAN DALAM MENINGKATKAN DAYA SAING PADA UMKM OMAH BRANDED Ari Gunawan; Deni Ramdani
Jurnal Manajemen, Bisnis dan Kewirausahaan Vol. 3 No. 1 (2023): APRIL : Jurnal Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumbiku.v3i1.1369

Abstract

Usaha Mikro Kecil Menengah (UMKM) merupakan suatu kegiatan yang memiliki pengaruh terhadap perekonomian suatu negara. Para pelaku UMKM diharuskan memiliki strategi yang tepat agar dapat meningkatkan daya saing dengan UMKM serupa. Fokus dalam penelitian ini adalah untuk mengetahui penerapan strategi pemasaran yang diterapkan oleh UMKM. Metode yang diterapkan pada penelitian ini yaitu dengan menggunakan metode penelitian kualitatif. Hasil penelitian menunjukan bahwa UMKM Omah Branded menerapkan strategi pemasaran Marketing Mix , yaitu menggunakan strategi produk, strategi harga, strategi tempat dan strategi promosi.
Penguatan tata kelola manajemen keuangan berbasis syari'ah pada Koperasi Paguyuban Pedagang Pasar Induk Wonosobo (KP3IW) Wildan Yudhanto; Deni Ramdani; Alex Johanes Simamora; Ediet Leo Elvandy; M. Elfan Kaukab
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 10, No 2 (2026): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v10i2.38671

Abstract

AbstrakKoperasi Paguyuban Pedagang Pasar Induk Wonosobo (KP3IW) memiliki peran strategis dalam memperkuat akses permodalan dan keberlanjutan usaha pedagang pasar tradisional. Namun, tata kelola manajemen keuangan koperasi masih menghadapi kendala berupa pencatatan yang belum terstandar, lemahnya sistem pengendalian internal, serta belum terintegrasinya prinsip-prinsip syari’ah dalam mekanisme pembiayaan dan pelaporan. Kegiatan pengabdian ini bertujuan untuk memperkuat tata kelola manajemen keuangan berbasis syari’ah guna meningkatkan transparansi, akuntabilitas, dan keberlanjutan kelembagaan koperasi. Mitra sasaran adalah KP3IW dengan 25 peserta yang terdiri atas pengurus, pengawas, dan perwakilan anggota. Metode pelaksanaan meliputi asesmen awal, pelatihan manajemen keuangan syari’ah, workshop penyusunan Standar Operasional Prosedur (SOP) berbasis akad syari’ah, serta pendampingan dan evaluasi. Hasil kegiatan menunjukkan peningkatan pemahaman peserta sebesar 38% (berdasarkan pre-test dan post-test), tersusunnya 1 dokumen SOP keuangan syari’ah, 3 format laporan keuangan terstandar, serta pembentukan mekanisme pengawasan internal berbasis prinsip syari’ah. Secara kualitatif, terjadi peningkatan kesadaran transparansi dan disiplin pencatatan keuangan. Kegiatan ini sejalan dengan pencapaian Sustainable Development Goals (SDGs) tujuan 8 (Pekerjaan Layak dan Pertumbuhan Ekonomi) dan tujuan 16 (Institusi yang Tangguh dan Akuntabel), mendukung agenda RPJMN 2020–2024 dalam penguatan ekonomi kerakyatan dan koperasi, serta selaras dengan Asta Cita dalam memperkuat kemandirian ekonomi berbasis kerakyatan dan nilai-nilai keadilan sosial. Kata kunci: tata kelola koperasi; manajemen keuangan syari’ah; SDGs; RPJMN; asta cita. AbstractThe Cooperative of the Wonosobo Main Market Traders Association (KP3IW) plays a strategic role in strengthening access to capital and ensuring the sustainability of traditional market traders’ businesses. However, its financial management governance still faces several challenges, including non-standardized bookkeeping practices, weak internal control systems, and the limited integration of sharia principles in financing mechanisms and financial reporting. This community engagement program aims to strengthen sharia-based financial management governance in order to enhance transparency, accountability, and institutional sustainability. The target partner was KP3IW, involving 25 participants consisting of board members, supervisors, and representatives of cooperative members. The implementation methods included an initial governance assessment, sharia financial management training, workshops on the preparation of Standard Operating Procedures (SOPs) based on sharia contracts, as well as mentoring and evaluation. The results indicate a 38% increase in participants’ understanding (based on pre-test and post-test results), the development of one sharia-based financial SOP document, three standardized financial reporting formats, and the establishment of an internal monitoring mechanism grounded in sharia principles. Qualitatively, the program improved awareness of transparency and financial recording discipline. This initiative aligns with the Sustainable Development Goals (SDGs), particularly Goal 8 (Decent Work and Economic Growth) and Goal 16 (Peace, Justice, and Strong Institutions), supports the National Medium-Term Development Plan (RPJMN) 2020–2024 in strengthening people-based economic institutions and cooperatives, and is consistent with the Asta Cita agenda in promoting inclusive and socially just economic independence. Keywords: cooperative governance; sharia financial management; SDGs; RPJMN; asta cita.