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All Journal Journal of Business and Management Jurnal Tata Kota dan Daerah Journal of Business Management Education (JBME) Sebatik Jurnal Riset Bisnis dan Investasi Jurnal Maps (Manajemen Perbankan Syariah) JATI EMAS (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) Journal of Tourism Sustainability Jurnal Transportasi Multimoda Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal Research of Social Science, Economics, and Management Prosiding Seminar Nasional Pengabdian Masyarakat Journal Integration of Social Studies and Business Development Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Pengabdian UMKM Jurnal Maps (Manajemen Perbankan Syariah) Journal Integration of Management Studies Journal of Tourism, Hospitality and Travel Management (JTHTM)
Afgani, Kurnia Fajar
School Of Business And Management Institut Teknologi Bandung
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Jaringan Dalam Mendorong Perempuan untuk Memulai dan Mempertahankan Bisnis: Tinjauan Literatur Sistematis Thousani, Hifzhan Frima; Afgani, Kurnia Fajar
Jurnal Riset Bisnis dan Investasi Vol. 9 No. 2 (2023): Jurnal Riset Bisnis dan Investasi
Publisher : Jurnal Riset Bisnis dan Investasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jrbi.v9i2.5704

Abstract

Kewirausahaan merupakan kekuatan pendorong pertumbuhan ekonomi global, seiring dengan semakin diakuinya kontribusi perempuan terhadap inovasi, penciptaan lapangan kerja, dan kesejahteraan secara keseluruhan. Penelitian ini menggunakan metodologi Sistematic Literature Review (SLR), yang memastikan eksplorasi pengetahuan yang ada secara menyeluruh dan tidak memihak. Memberikan wawasan penting mengenai dinamika kewirausahaan perempuan, studi ini menggarisbawahi bahwa keterampilan manajerial yang kuat meningkatkan kemungkinan perempuan membentuk kemitraan bisnis keluarga. Namun, diskriminasi gender yang meluas menimbulkan hambatan besar, yang berpotensi mengarahkan perempuan ke usaha mandiri. Pengusaha perempuan tahap awal sangat bergantung pada dukungan keluarga dan pemerintah, terutama dari suami, serta akses terhadap pengetahuan bisnis, sehingga sangat membentuk usaha mereka. Lanskap dinamis yang dihadapi pengusaha perempuan dipengaruhi oleh berbagai faktor yang dapat memfasilitasi atau menghambat keberhasilan. Studi ini menekankan peran kunci keterampilan manajerial dan mengakui diskriminasi gender sebagai hambatan yang besar, serta menggarisbawahi perlunya mengatasi tantangan-tantangan ini dalam mengembangkan ekosistem kewirausahaan yang inklusif.
EDUKASI DAN DEKSRIPSI MODEL OPERASIONAL BANK MAKANAN UNTUK MENGURANGI SAMPAH MAKANAN DAN MENINGKATKAN KETAHANAN PANGAN MASYARAKAT DI KOTA BANDUNG Pramuwidyatama, Muchammad Gumilang; Irawan, Gendis Ayu Satiti; Dewi, Emilia Fitriana; Pringgabayu, Dematria; Afgani, Kurnia Fajar
Jurnal Pengabdian UMKM Vol. 1 No. 1 (2022): Januari
Publisher : Pusat Studi UMKM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36448/jpu.v1i1.9

Abstract

Bank makanan adalah organisasi nirlaba yang mendistribusikan makanan berlebih dari berbagai sumber makanan dan menyalurkan ke organisasi dan keluarga prasejahtera. Namun, konsep bank makanan dan dampak yang bisa diciptakan melalui bank makanan masih belum diketahui oleh industri makanan, masyarakat, pemerintah, dan organisasi sosial. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk mengenalkan khalayak umum tentang bank makanan serta mendeskripsikan model operasional dasar sebuah bank makanan. Dari hasil kegiatan ini, bank makanan bisa menjadi solusi yang efektif dan efisien untuk memanfaatkan makanan berlebih untuk meningkatkan ketahanan pangan masyarakat di Indonesia.
Analisis Keuangan dan Risiko Perusahaan Transportasi Angkutan Darat Selama Pandemi COVID-19 Nainggolan, Yunieta Anny; Syaputri, Annisa Rizkia; Afgani, Kurnia Fajar; Purbayati, Radia; Subaryata, Subaryata
Jurnal Transportasi Multimoda Vol. 21 No. 2 (2023): Desember
Publisher : Puslitbang Transportasi Antarmoda-Kementerian Perhubungan Republik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25104/mtm.v21i2.2133

Abstract

Pandemi COVID-19 yang terjadi sejak awal tahun 2020 menyebabkan mobilitas masyarakat menurun secara drastis yang menyebabkan penurunan volume penumpang dan berdampak pada kelangsungan bisnis operator transportasi angkutan penumpang. Berbagai upaya dilakukan pemerintah untuk dapat mengendalikan penyebaran virus dengan anjuran berkegiatan di rumah. Selain anjuran tersebut, pemerintah juga mewajibkan penerapan protokol kesehatan yang ketat terutama di area public, termasuk transportasi umum. Hal tersebut berdampak pada biaya operasional kendaraan (BOK) operator bisnis transportasi. Penelitian ini bertujuan untuk mengidentifikasi kondisi keuangan dan risiko operator transportasi angkutan darat selama pandemi COVID-19 yang dilihat dari tiga aspek, yaitu struktur biaya, rasio keuangan dan risiko. Data yang dikumpulkan diperoleh melalui Focus Group Discussion (FGD) dan berbagai sumber daring. Hasil penelitian ini menunjukkan bahwa struktur biaya sangat memengaruhi pendapatan operator dikarenakan adanya biaya penerapan protokol kesehatan. Identifikasi rasio keuangan memprediksi terjadinya penurunan kinerja sebagai dampak pandemi. Hasil identifikasi risiko menunjukkan bahwa risiko paling tinggi adalah penurunan pendapatan dan terjadinya kredit macet serta meningkatnya biaya operasional. Hasil penelitian ini diharapkan dapat menjadi dasar bagi operator bisnis transportasi angkutan darat dalam menyusun strategi selama masa pendemi. Selain itu, penelitian ini diharapkan dapat menjadi dasar pertimbangan bagi pemerintah untuk memberikan stimulus agar operator dapat menjalankan bisnisnya. Adapun stimulus yang direkomendasikan adalah berupa subsidi biaya protokol kesehatan, subsidi perizinan serta keringanan pajak dan pinjaman.
The Effects of ESG on Firm Performance and Firm Value: A Study of Indonesian and Malaysian Listed Companies Rasyad, Rafi Kennaufal; Afgani, Kurnia Fajar; Ali, Qaisar
Journal Integration of Management Studies Vol. 2 No. 1 (2024)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v1i2.118

Abstract

The effect of ESG on firm value and financial performance of a company is a well-researched and controversial topic in academic research, as many authors conclude different results in their studies. Previous studies suggest that ESG has a positive effect on firm value or financial performance, while some studies suggest the opposite, while some studies also suggest that only specific factors within ESG such as environmental, social, and governance factors significantly affect firm value and financial performance of a company. To contribute to current literature in the field and to resolve the dispute in controversial results, this study aims to assess the significance of ESG on firm value and financial performance of Indonesian and/or Malaysian public-listed companies, to deduce whether ESG has positive or negative effect of firm value and financial performance, and to determine which individual factors of ESG has the most affect to the overall ESG score of each Indonesian and/or Malaysian public-listed companies. As there has been limited research on the topic in Indonesia and Malaysia, the author uses PLS-SEM to analyze the effects of ESG scores on firm value and financial performance of 10 Indonesian public-listed companies and 15 Malaysian public-listed companies using available financial and ESG scoring data from YahooFinance during the 3rd quarter of the 2022 year. The study done using PLS-SEM suggests that ESG has a significant positive effect on financial performance (proxied using ROA or Return of Assets) while ESG has no significant but positive effect on firm value (proxied using Tobin’s Q value). In addition, factor analysis of the PLS-SEM model shows that from three pillars of ESG, only social and governance scores have a correlation with the overall ESG score.
Review of Asset Management Practice in Indonesian State-Owned Enterprise Rahadi, Raden Aswin; Indrayana, Gun Gun; Afgani, Kurnia Fajar; Darmansyah, Asep; Anggoro, Yudo; Halim, Robbyson; Fitrianda, Saldy; Purbayati, Radia; Astari, Airen Widhia; Ayudiatri, Safira
Journal Integration of Management Studies Vol. 2 No. 1 (2024)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v2i1.138

Abstract

This study examines Indonesian State-Owned Enterprises (SOEs) asset management methods, problems, and financial and operational performance effects. The report synthesizes case studies and academic research on how large organizations manage their huge and diverse asset portfolios and how governance, regulatory frameworks, and human resource practices affect their effectiveness. The research begins with case studies of talent management innovations from big Indonesian SOEs. These cases show how proactive human resource approaches can boost company commitment and reduce turnover, improving asset management efficiency. According to the research, governance and legal frameworks influence asset management techniques. Studies show that corporate governance quality affects SOE operational performance. The paper explores how reforms and legislation affect state asset management, highlighting the major changes in SOE governance and legal frameworks, particularly after economic and political reforms. Asset management difficulties for Indonesian SOEs include managing large and diverse asset portfolios, integrating modern management frameworks, and optimizing state asset revenue. According to the study, comprehensive asset management systems, governance transparency, and professional management can address these difficulties. The research examines how asset management strategies affect Indonesian SOE profitability, corporate governance, and performance measures. Strategic asset management boosts financial performance, especially profitability. SOE profitability is greatly affected by current asset and liability management. The study offers advice to Indonesian SOEs and policymakers. Enhancing financial and operational performance requires comprehensive asset management, governance changes, and strategic innovation. These efforts boost Indonesia's economy, demonstrating the importance of asset management in SOE performance.
The Influence Of Perceived Risk On Digital Banking To Customer's Intention To Use Digital Banks In Jabodetabek 2023-2024 Louis, Evannia Immanuel; Kurnia Fajar Afgani
Journal Integration of Management Studies Vol. 2 No. 1 (2024)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v2i1.151

Abstract

Digital banks are banks that have limited to no physical offices and are accessed through an online application. In the past seven years, digital banking has become a leading digital payment method, used by approximately 78% of Indonesians as of 2021. Although digital banking has gained popularity, there is a significant disparity between Indonesian customer’s willingness to use and actual use of digital banks. The reason for the disparity is perceived risks, which proved to be a resistance factor to customer intention through previous research of Technology Adoption Model (TAM) of digital banks. This research aims to analyze how the perceived risk of digital banks influences customer’s intention to use digital banks, which perceived risk factor has the highest influence on intention to use, and identify the correlation between perceived risk factors towards intention to use. By drawing from perceived risk theories across decades, six risk dimensions – financial, performance, social, time, security, and privacy risk – were analyzed. This research collected 400 Jabodetabek respondents through an online questionnaire, which were analyzed with descriptive statistics and Structural Equation Modeling (SEM). The hypothesis testing was done using the bootstrapping method with a two-tailed t-test with 5% significance level, while the correlation was calculated with SEM. The results reveal that the overall level of perceived risk in Jabodetabek is relatively low with only one out of six risk factors proving to be significant. It was found that security risk is the only risk factor that significantly influences customer intention to use digital banks, with a negative correlation of 30.3%. In light of this finding, this research provides practical recommendations for digital bank managers to minimize security risk and for future study. This research hopes to help digital bank managers in enhancing customer intention to use digital banks by reducing perceived risk factors.
Utilizing AI In Indonesia's Financial Sector: Strategies For Inclusive Economic Development Rahadi, Raden Aswin; Afgani, Kurnia Fajar; Hakam, Dzikri Firmansyah; Anggoro, Yudo; Boediman, Alfred; Indrayana, Gun Gun; Susanto, Eko
Journal Integration of Social Studies and Business Development Vol. 3 No. 1 (2025)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jissbd.v3i1.286

Abstract

The paper explores the revolutionary potential of Artificial Intelligence (AI) in Indonesia's financial ecosystem, highlighting its capacity to improve operational efficiency, foster financial inclusion, and tackle specific socio-economic concerns. This study emphasizes Indonesia's varied demographic and digital environment, illustrating how AI-driven innovations like decentralized finance (DeFi), predictive analytics, and blockchain integration transform financial products to cater to disadvantaged people. This study utilizes over 20 scholarly publications and international case studies to highlight the strategic significance of promoting ethical AI practices, mitigating algorithmic bias, and closing infrastructural and talent disparities to achieve sustainable and inclusive economic growth. The results support implementable methods, such as public-private collaborations, strong regulatory structures, and AI-driven individualized financial solutions, to optimize the advantages of digital transformation in Indonesia's financial industry. Future research must emphasize empirical investigations into AI's capacity to mitigate financial inequalities and stimulate regional innovation, thereby establishing Indonesia as a frontrunner in AI-facilitated economic transformation.
Financial Management Behavior of Micro-Businesses in Tourism Destinations: A Qualitative Study Boediman, Alfred; Susanto, Eko; Afgani, Kurnia Fajar; Rahadi, Raden Aswin
Journal of Tourism, Hospitality and Travel Management Vol. 2 No. 1 (2024)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jthtm.v2i1.300

Abstract

This study explores the financial management behavior of micro-businesses in tourism destinations across West Java, Indonesia. Using a qualitative descriptive approach, data were collected through in-depth interviews and observations of eight micro-entrepreneurs operating in Pangandaran, Lembang, Ciwidey, Ciletuh Geopark, and Puncak. The findings reveal that financial management practices are predominantly informal, with minimal record-keeping, mixing personal and business finances, and reliance on daily cash flow. Low financial literacy, seasonal income fluctuations, and psychological biases such as loss aversion and overconfidence shape these behaviors. Micro-businesses tend to avoid formal financial institutions due to perceived complexity, fear of debt, and limited understanding of financial products, leading to a preference for informal financing sources. The study highlights that these factors weaken financial resilience and hinder business sustainability. Furthermore, limited financial literacy interventions have had minimal impact on changing financial behavior. The research recommends tailored financial literacy programs and access to simplified formal financial services to strengthen micro-business resilience. Addressing knowledge gaps and behavioral tendencies is essential to enhancing financial management practices and supporting micro-enterprises sustainable growth within West Java’s tourism sector.
Digging Companies Crucial Aspect Measurement: Risk Maturity Level, Assessment of XYZ Bank Vincentia; Kurnia Fajar Afgani; Marziana Marzuki
Journal Integration of Management Studies Vol. 1 No. 1 (2023)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v1i1.14

Abstract

Risk management is an important aspect to be owned by companies and measured through risk maturity level to utilize opportunity and minimize losses in processes with uncertainty or potential for two or more possibilities to happen. This research aims to measure one of the banking state-owned corporations' risk maturity levels to measure implementation, readiness, and maturity, and application of risk management according to Indonesia’s regulations from Otoritas Jasa Keuangan, Kementerian BUMN, and Bank Indonesia regarding risk management in the banking industry. The main framework used is risk maturity level from ISO 31000:2018, with five indicating levels: initial, managed, defined, quantitatively managed, and optimized. This study uses a mixed method in data collection. Primary data will be collected quantitatively through questionnaires for the company employees, and qualitatively through interviews with related divisions, which in this research is the Enterprise Risk Management Division and divisions which are working in the risk management implementation process. While the secondary data will be collected through documents related to risk management processes. All data will be measured through weighting and Analytical Hierarchy Method. To get the company’s risk maturity level, criteria from each level according to ISO 31000:2018 must be fulfilled. As a company in a high-regulated industry and high-risk level due to the trust-based business model and its impact to internal and external parties, the company is expected to have a high level of risk maturity level, which is in level four (quantitatively managed) or level five (optimized). The expected findings from this study are improvements and suggestions for companies who want to increase or maintain their maturity level, and for the next researchers.
The Effect of Liquidity, Leverage, Operating Capacity, Profitability, and Sales Growth as Predictors of Financial Distress : (Property, Real Estate, and Construction Services Companies Listed on the IDX) Agil Krisna Rivanda; Kurnia Fajar Afgani; Radia Purbayati; Marziana Madah Marzuki
Journal Integration of Management Studies Vol. 1 No. 1 (2023)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v1i1.15

Abstract

This paper begins with analyzing financial ratios by examining the effect of liquidity, leverage, operating capacity, profitability, and sales growth as predictors of firms' financial distress risk. The study employs a statistical method (logit model). Using 38 property, real estate, and construction services firms listed on the Indonesia Stock Exchange between 2016 and 2022, 646 observations were collected and analyzed using logistic regression. The results show that leverage, operating capacity, and profitability positively and significantly influenced predicting financial distress risk, while liquidity and sales growth do not affect predicting financial distress risk. The result of model calcification accuracy is 84%; this shows that the model can accurately predict the financial distress risk of property, real estate, and construction services companies in the study period of 543 observations from 646 observations or 84%. This study concludes that profitability, leverage, and operating capacity influence the financial distress risk on property, real estate, and construction services companies.
Co-Authors Adam Aliya Silmi Agil Krisna Rivanda Agil Krisna Rivanda Alda Ricederia Ali, Qaisar Andri Kusbiantoro Anggoro, Yudo Annisa Rizkia Syaputri Arie Wibowo Asep Darmansyah Astari, Airen Widhia Augusta Adha Ayudiatri, Safira Boediman, Alfred Davin H. E. Setiamarga Dematria Pringgabayu Desy Kharohmayani Dewi, Rahma Ilahi Sari Eko Susanto Fairuuz Fawwas Alfarizi Tantuayo Firmansyah Hakam, Dzikri Fitria Rahayu Khaerani Fitria Rahayu Khaerani Fitriana Dewi, Emilia Fitrianda, Saldy Hakam, Dzikri Firmansyah Halim, Robbyson Hanisfy, Ghanef Rayyan Hapsariniaty, Alia Widyarini Hifzhan Frima Thousani, Hifzhan Frima Indrayana, Gun Gun Irawan, Gendis Ayu Satiti Irwanda Laory Januarti Jaya Ekaputri Louis, Evannia Immanuel Marziana Madah Marzuki Marziana Marzuki Mega Fitriani Adiwarna Prawira Mirzanti, Isti Raafaldini Muhammad Khadafi Octaviani Ratnasari Santoso Pramuwidyatama, Muchammad Gumilang Purbayati, Radia Raden Aswin Raden Aswin Rahadi Radia Purbayati Radia Purbayati Radia Purbayati Rahadi, Raden Aswin Rasyad, Rafi Kennaufal Ria, Poeti Ricederia, Alda Ricederia, Alda Rivanda, Agil Krisna Satriani Siti Nurlaila Satriani Siti Nurlaila Septyandi, Chandra Budhi Subaryata, Subaryata Suryana, Marceilla Sutardi, Acip Syaputri, Annisa Rizkia Syifaa Novianti Tabina Azzahra Vincentia Yani Pujiwati Yunieta Anny Nainggolan, Yunieta Anny