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All Journal IJEBD (International Journal Of Entrepreneurship And Business Development) Al-Kharaj: Journal of Islamic Economic and Business BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi Journal of Management, Economic, and Financial
Novita Ikasari
Faculty Of Administrative Science Universitas Indonesia
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Reformulation of the Role of Regional Development Banks as Agents of Regional Catalyst: The Case of Indonesia Umanto, Umanto; Ikasari, Novita
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi Vol. 26, No. 2
Publisher : UI Scholars Hub

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Abstract

Regional development banks (RDB) in Indonesia are constitutionally mandated to be the economic and social catalyst for local development, a role which requires banks to finance ‘unprofitable’ projects. The incompatible functions are resulted in reservations within RDB to maximize their resource allocation potential. This paper is aimed at evaluating RDB’s catalyst role and at proposing a refinement to the current role which would enable RDBs to achieve their expected goals. This research uses descriptive statistics of RDBs’ loan performance from 2012 to 2017 to establish RDBs’ performance in economic and social areas. Accounts included in this research are third-party funds, productive loans, loan deposit ratio and small business loans. It is evident from the secondary data that RDBs have issues in contributing to local economy generator. Next, data from interviews with senior management team of four RDB’s are analysed to identify critical pillars for formulation of RDBs’ role. Referring to Thorne’s and Du Toit’s framework for development banks (2009) the reformulation of RDBs’ catalyst role starts from stipulating their role in an exclusive and well-defined operating environment. This will allow RDBs to synergize their operations with local development programs. From governance and financial performance perspectives, RDBs can prepare efforts to make an initial public offering as part of a strategy for increasing capital, structuring corporate governance, and enhance corporate value.
Unveiling The Impact of Covid-19 And The Policy Implications On Indonesian Small Businesses: Where Do They Hurt The Most? Wahyuni, Sri; Ikasari, Novita
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi Vol. 29, No. 1
Publisher : UI Scholars Hub

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Abstract

The catastrophic impact of COVID-19 Pandemic on micro, small and medium enterprises (MSMEs) is well-presented across countries featured on a helicopter view. However, studies on business activities as proxies to business functions that are exclusively affected by the pandemic are scarcely found, which in turn might cause ineffective recovery policy. Using Indonesia as a case in point, this study aims at codifying the particular business activities to proxy the functions that have been impacted across the sectors and business owners’ perception on the government’s policy. The study uses indicators for three business functions that are qualitatively constructed from previous studies to ensure their robustness. Data from the 220 respondents across Indonesia are collected using a non-probability sampling technique and the questionnaire is distributed online. The results are presented in descriptive statistics along with Kruskal-Wallist test to detect any difference across industries and duration of business. The study finds that production is the most severely impacted on creative sectors, whilst human resources issues are rampant for manufacturing and financial issues remain the center of the conundrum for all sectors. Notwithstanding the fatalistic result of downfall in demand of goods and services, the second most impacted business activity is productivity due to the reduced working hour of employees. In terms of COVID-19 Pandemic policy, financing facilities and health protocol are equally impactful for small businesses. These findings provide unambiguous evidence on specific business activities that are impacted, that is beneficial for evidence-based policy making.
Board Structure in State-Owned Enterprises (SOEs): Two-tier Model Analysis on the Implementation of Corporate Governance in Indonesia Umanto, Umanto; Sri Hartantiningsih, Ika; Ikasari, Novita
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi Vol. 29, No. 3
Publisher : UI Scholars Hub

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The discussion on corporate governance is focused on the duties of the board of commissioners (BOC). This is important, especially for countries that use the two-tier board model, such as Indonesia. This qualitative study aims to analyze the fulfillment of the number and composition of commissioners as well as the process of appointment and dismissal of commissioners in state-owned enterprises (BUMN) listed on the Indonesia Stock Exchange. The results showed that BUMN had fulfilled the number and composition of commissioners. In addition, the existence of an audit committee and board of commissioner meetings is a component that plays an important role in assisting the commissioners in carrying out their supervisory functions. In the end, the process of succession of commissioners becomes an important part that affects the fulfillment of the number and composition.
Analysis of the Influence of Social Capital On Entrepreneurial Orientation And Entrepreneurial Behavior: A Study On Startups In Jabodetabek Gunawan, Rendy; Ikasari, Novita
IJEBD (International Journal of Entrepreneurship and Business Development) Vol 8 No 1 (2025): January 2025
Publisher : LPPM of NAROTAMA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29138/ijebd.v8i1.3087

Abstract

Purpose: The purpose of this study is to analyze the impact of social capital on entrepreneurial orientation and entrepreneurial behavior of startup owners in the greater area of Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek). Design/methodology/approach: This study applies a quantitative approach. The data collection was done via online questionnaire from April 2024 to June 2024 The 376 respondents were startup owners whose business was domiciled in Jabodetabek. SEM PLS was used to develop a model and analyze the data.Findings: The study finds that social capital significantly affected both entrepreneurial orientation and entrepreneurial behavior of startup owners, partially and simultaneously. Research implications: Social capital, in the form of robust social networks, plays an important role in enhancing entrepreneurial orientation and behavior, including proactiveness, innovation, and risk taking. Practical implications: This study shows the importance of strengthening social networks to support an entrepreneurial mindset and attitude. Entrepreneurs can leverage social capital to access information, resources, and opportunities. Originality/value: This study expands the understanding of how social networks, trust, and norms influence innovation, risk taking, and proactivity, providing practical value for entrepreneurs, organizations, and policymakers to optimize social capital in enhancing entrepreneurial mindset.Paper type: Research paper
The Influence Of Service Quality And Religiosity On Customer Loyalty At Bank Syariah Indonesia Ahmad Rafif Hubeis; Novita Ikasari
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.10935

Abstract

This study aims to analyze the influence of Service Quality and Religiosity on Customer Loyalty among customers of Bank Syariah Indonesia. The study employs a quantitative approach using an explanatory research method. The purposive sampling technique amounted to a total of 413 respondents who are Bank Syariah Indonesia’s customers. Data were collected through questionnaires using a five-point Likert scale. Data analysis was conducted using SPSS 27 to test three working hypothesis. The results showed that Service Quality and Religiosity have a positive and significant effect on Customer Loyalty when tested individualy. Consistently, the same result obtained when both independent variable were tested simultaneously. Service Quality and Religiosity significantly influenced Customer Loyalty. The findings indicate that customer loyalty of Bank Syariah Indonesia is influenced not only by service provision, but also by consumers’ perceived Islamic value. This is marked by the superior statistic result of religiosity toward customer loyalty when compared to that of service quality. Therefore, Bank Syariah Indonesia should strategize their marketing program to assimilate values and service quality, as well as design an effective communication strategy to increase customer retention.Keywords: Service Quality, Religiosity, Customer Loyalty, Islamic Banking, Bank Syariah Indonesia.
What Drives Customer Loyalty in Digital Banking? Insights From A Systematic Literature Review of Technology Acceptance and Hedonic–Utilitarian Perspectives Pratiwi, Adhelia Budi; Ikasari, Novita
Journal of Management Economic and Financial Vol. 4 No. 2 (2026): Journal of Management, Economic and Financial (Issue in Progres)
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jmef.v4i4.201

Abstract

Digital banking has transformed the way financial institutions deliver services and maintain customer relationships in an increasingly competitive digital environment. Although prior studies have extensively examined technology adoption, the formation of customer loyalty in digital banking remains fragmented, particularly when technology acceptance, hedonic–utilitarian motives, and customer satisfaction are considered collectively. This study aims to synthesize existing empirical evidence regarding the factors that drive customer loyalty in digital banking. Using a Systematic Literature Review (SLR) method guided by the PRISMA 2020 framework, this study reviewed peer-reviewed English-language journal articles published between 2016 and 2026 from Scopus, Emerald Insight, ScienceDirect, and SpringerLink. Following the identification, screening, eligibility assessment, and quality evaluation processes using Parsifal, 43 articles were included in the final synthesis. The findings indicate that perceived ease of use and perceived usefulness remain fundamental determinants of digital banking adoption, while utilitarian motives, such as efficiency, convenience, and functional benefits, more consistently influence customer satisfaction and loyalty. Hedonic motives, including enjoyment and engagement, also contribute to loyalty, although their effects vary depending on contextual factors. Customer satisfaction serves as a key mediating mechanism that links technology acceptance and user experience with customer loyalty. This study concludes that digital banking loyalty is a multidimensional construct involving continued usage intention, satisfaction, emotional attachment, and customer advocacy.
Co-Authors Ahmad Rafif Hubeis Pratiwi, Adhelia Budi Rendy Gunawan Sri Hartantiningsih, Ika Sri Wahyuni Umanto Umanto