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All Journal Jurnal Ekonomi Modernisasi JURNAL KEBANGSAAN Jurnal Sosioteknologi Asia-Pacific Management and Business Application Jurnal Bisnis dan Manajemen Agregat: Jurnal Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Technomedia Journal Journal of Secretary and Business Administration OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi JIKA: Jurnal Ilmu Keuangan dan Perbankan Almana : Jurnal Manajemen dan Bisnis The International Journal of Business Review (The Jobs Review) eCo-Buss Jurnal E-Bis: Ekonomi Bisnis JIIP (Jurnal Ilmiah Ilmu Pendidikan) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Jurnal Ekonomi JDEP (Jurnal Dinamika Ekonomi Pembangunan) Jurnal ADAM : Jurnal Pengabdian Masyarakat International Journal of Accounting & Finance in Asia Pasific Asian Journal of Management Analytics Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Enrichment: Journal of Multidisciplinary Research and Development Journal of Business Management and Economic Development Journal of Community Service and Society Empowerment Journal of Social Science Utilizing Technology Jurnal Akademik Pengabdian Masyarakat Journal of Digital Community Services Journal of Social Science Utilizing Technology Multidisciplinary Indonesian Center Journal Jurnal Pengabdian Indonesia Jurnal Sekretaris & Administrasi Bisnis
Budi Rustandi Kartawinata
Universitas Telkom
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The Effect of Corporate Social Responsibility (CSR) on Financial Performance Kartawinata, Budi Rustandi; Apriano, Raditya
Almana : Jurnal Manajemen dan Bisnis Vol 8 No 2 (2024): August
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v8i2.2598

Abstract

Himbara Bank has a very significant role in driving economic growth, managing national assets, and providing sustainable financial services to the community. However, its role is not only limited to financial aspects but also holds social responsibility towards society and the environment. Therefore, it is important to understand the extent to which CSR can influence Bank Himbara's financial performance in this dynamic business environment. This research aims to find information on the effect of implementing Corporate Social Responsibility (CSR) on financial performance based on Return on Equity (ROE). In this research, the population used is banks included in the Association of State-Owned Banks (Himbara) for 2019-2022. The data analysis techniques used are descriptive statistical analysis and panel data regression analysis. Based on research results, Corporate Social Responsibility (CSR) did not have a significant effect on Return on Equity (ROE) in the Association of State-Owned Banks (Himbara) in 2019-2022.
Strategies to Improve Cooperative Efficiency and Performance Through the Integration of Financial Inclusion, Risk Ratios, and Non-Performing Loans Elfarida Waty, Virgine Untari; Hidayat, Agus Maolana; Rustandi Kartawinata, Budi
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 5 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i5.415

Abstract

This study examines strategies to improve cooperative efficiency and performance through the integration of financial inclusion (FI), debt-to-income ratio (DTI), loan-to-value ratio (LTV), individual liquidity (LIQ), and non-performing loan (NPL) control. Using data from 705 cooperative members, the research applies multiple linear regression, Sobel mediation test, and PROCESS Model 4 (Hayes, 2022). The results show that financial inclusion significantly reduces NPL (? = -0.401), while both DTI and LTV increase the risk of NPL. NPL acts as a partial mediator in the relationship between financial variables and cooperative performance. The study highlights that financial inclusion is the most significant protective factor against NPL, whereas LTV is the primary risk factor. These findings contribute to the cooperative management literature by providing empirical evidence of the mediating role of NPL and offering strategic recommendations for the sustainable development of cooperatives. By focusing on integrated risk management approaches, cooperatives can improve financial inclusion, reduce NPL risks, and enhance overall performance, ensuring long-term sustainability in the competitive financial landscape. This research underscores the importance of considering both financial inclusion and risk factors when managing cooperatives for improved operational outcomes.
MAINTAINING FAMILY PRIVACY AND SECURITY IN THE DIGITAL AGE Akbar, Aldi; Kuswanto, Arif; Rustandi Kartawinata, Budi
Jurnal Pengabdian Indonesia (JPI) Vol. 1 No. 2 (2025): Vol. 1 No. 2 Edisi Juli 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/jpi.v1i2.877

Abstract

This activity aims to provide parents and teachers of Pandanwangi PAUD with a basic understanding of the importance of maintaining privacy and security in the use of digital technology, as well as providing practical guidance on how to protect personal information and secure digital devices used by family members. The methods used in this educational activity are lectures, group discussions, and case simulations. The results of this educational activity show that the participants have a better understanding of the importance of maintaining family privacy and security in the digital era, are more aware of the risks in cyberspace and are able to identify and overcome these threats better. The conclusion of this activity is that education about digital privacy and security is very important to be given to the community, especially parents and teachers who have a big role in educating children.
Indonesian Private University Students’ Entrepreneurial Intention Pradana, Mahir; Kartawinata, Budi Rustandi
APMBA (Asia Pacific Management and Business Application) Vol. 9 No. 2 (2020)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2020.009.02.3

Abstract

The study focuses on the entrepreneurship education at a private business school in Indonesia due to the accelerate impact through the country economy that by implementing entrepreneurship education, one of the factors driving entrepreneurial growth in a country is the higher education institutions' role. The study took places at Telkom University, Indonesia, by surveying 458 business school students. The data analysed using a path analysis technique with SmartPLS ver. 3. Our result shows that the factors affecting entrepreneurial orientation show significant and positive effects which eventually cause a similar effect on entrepreneurial intention. Therefore, higher education institutions, especially business schools, should consider these factors as driving forces towards entrepreneurial intention. Practical implications for the development of the entrepreneurship curriculum also drawn in this study.   
ANALYSIS OF THE ROLE OF PERCEIVED USEFULNESS AND PERCEIVED EASE OF USE IN THE RELATIONSHIP BETWEEN FINANCIAL BEHAVIORAL BIASES AND BITCOIN INVESTMENT DECISIONS AMONG GENERATION Z USERS OF TOKOCRYPTO AND INDODAX Silvi Amisha Putri; Budi Rustandi Kartawinata; Agus Maolana Hidayat
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.1843

Abstract

This study aims to analyze the role of perceived usefulness (PU) and perceived ease of use (PEOU) in mediating the relationship between financial behavioral biases—namely financial literacy (FL), overconfidence (OC), and risk tolerance (RT)—and Bitcoin investment decisions among Generation Z in Indonesia, using the Tokocrypto and Indodax platforms. Employing a quantitative approach with a survey of 360 active Generation Z investors, data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The findings indicate that financial literacy, risk tolerance, PU, and PEOU have a direct positive and significant effect on Bitcoin investment decisions. Overconfidence, however, showed no significant direct effect. Furthermore, PU and PEOU partially mediated the relationships between financial literacy and investment decisions, as well as between risk tolerance and investment decisions. Notably, PEOU emerged as the strongest mediating pathway, particularly for risk tolerance. Conversely, neither PU nor PEOU mediated the relationship between overconfidence and investment decisions. This research contributes theoretically by integrating Behavioral Finance theory with the Technology Acceptance Model (TAM) in the context of high-risk digital assets. Practically, it offers insights for platform developers to enhance user experience and design targeted financial education, and for regulators to formulate behaviorally-informed investor protection policies.
THE INFLUENCE OF TRUST AND RISK ON THE USE OF QRIS WITH FRAUD ISSUES AS A MODERATING VARIABLE IN BANDUNG Indah Kusprasetya; Budi Rustandi Kartawinata; Aldi Akbar
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.1908

Abstract

The development of digital payment systems has driven the increasing use of the Indonesian Standard Quick Response Code (QRIS) as a practical and integrated cashless transaction method. Although QRIS adoption continues to increase, its continued use is still influenced by trust, perceived risk, and the prevalence of fraud in digital transactions. This study aims to analyze the influence of trust and risk on QRIS use, with fraud as a moderating variable, in the city of Bandung. This study used a quantitative approach with a survey of 200 QRIS user respondents. The data analysis technique used was Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results showed that trust had a positive and significant effect on QRIS use, while risk had a negative and significant effect. Furthermore, fraud moderated the relationship between trust and QRIS use by weakening the influence of trust, and moderated the relationship between risk and QRIS use by strengthening the influence of risk. These findings confirm that although QRIS offers convenience and efficiency, perceptions of risk and fraud remain crucial factors influencing usage behavior. This research is expected to provide theoretical contributions to the development of digital payment technology adoption models and provide practical implications for regulators, payment service providers, and MSMEs in strengthening security, improving digital literacy, and building user trust in the QRIS payment system.
DETECTION OF FINANCIAL TARGET, FINANCE STABILITY AND EXTERNAL PRESSURE FACTORS ON FRAUDULENT FINANCIAL REPORTING WITH MARKET CAPITALIZATION AS A MODERATOR VARIABLE IN MANUFACTURING COMPANIES Monika Yovita; Budi Rustandi Kartawinata; Aldi Akbar
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.1914

Abstract

This study aims to analyze the effect of Financial Target, Financial Stability, and External Pressure on Financial Statement Fraud, with Market Capitalization as a moderating variable, in manufacturing companies listed on the Indonesia Stock Exchange (IDX) during the period 2017–2019. The research employs a quantitative approach using panel data regression analysis with the Common Effect Model (CEM) and the Moderated Regression Analysis (MRA) technique. The data were obtained from the financial statements of manufacturing companies that met the sampling criteria over a three-year observation period. The results indicate that Financial Target (ROA) has a positive and significant effect on financial statement fraud. Financial Stability (INVSAL and CATA) also shows a significant effect but in different directions: INVSAL increases, while CATA decreases the likelihood of fraudulent financial reporting. External Pressure (FREEC) has a negative and significant effect on financial statement fraud. The moderating variable, Market Capitalization, was found to strengthen the effect of CATA and weaken the effect of INVSAL on financial statement fraud. The R² value of 17.52% indicates that the research model explains a moderate portion of the variation in financial statement fraud among manufacturing firms in Indonesia. These findings support Agency Theory and the Fraud Triangle Theory, suggesting that financial pressure, stability, and external conditions play a crucial role in influencing the occurrence of financial statement fraud.
IMPLEMENTASI SOPHOS INTERCEPT X SEBAGAI APLIKASI KEAMANAN PERANGKAT DIGITAL PADA KOMUNITAS POS PAUD PANDANWANGI BANDUNG Akbar, Aldi; Kartawinata, Budi Rustandi
Jurnal Pengabdian Indonesia (JPI) Vol. 2 No. 1 (2026): Vol. 2 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/jpi.v2i1.1949

Abstract

Maraknya kepemilikan perangkat digital khususnya smartphone di tiap individu memudahkan dalam kebutuhan akan informasi dan bertranksaksi. Namun tidak banyak yang menyadari pentingnya keamanan pada smartphone mereka. Untuk itu maka kegiatan pengabdian masyarakat ini diadakan bukan hanya berupa edukasi namun sekaligus tutorial praktis menginstal aplikasi keamanan perangkat digital menggunakan Sophos Intercept X. Penelitian ini adalah penelitian kualitatif yang menggunakan pendekatan normatif, grup diskusi, dan simulasi di komunitas Pos PAUD Pandanwangi Kota Bandung. Studi ini menemukan bahwa masih banyak peserta yang membutuhkan pemahaman dan panduan praktis tentang penggunaan aplikasi anti malware di perangkat digital mereka. Melalui kegiatan ini maka level literasi keamanan anti malware di kalangan peserta menjadi lebih baik dari sebelumnya.
SOSIALISASI LITERASI FINTECH MELALUI HARMONISASI PERAN BANK INDONESIA DALAM MENDUKUNG KEBERLANJUTAN BISNIS UMKM DI ERA SOCIETY 5.0 Sita Deliyana Firmialy; Akhmad Yunani; I Nyoman Bontot; Budi Rustandi Kartawinata
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 3 No. 6 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v3i6.8097

Abstract

The rapid development of financial technology (fintech) in the era of Society 5.0 presents both opportunities and challenges for Micro, Small, and Medium Enterprises (MSMEs) in achieving business sustainability. Although the adoption of digital financial services continues to increase, the level of fintech literacy among MSMEs remains relatively low, potentially leading to risks in financial management and business decision-making. This community service program aims to enhance fintech literacy through the harmonization of the roles of Bank Indonesia with academics, industry partners, and community stakeholders in supporting MSME business sustainability. The program employed a participatory applied research approach using a hybrid method that combined offline and online activities. The activities included needs assessment, fintech literacy socialization, lectures, and participatory discussions involving representatives from Bank Indonesia, MSME actors, academics, students, and other relevant stakeholders. The results indicate an improvement in participants’ understanding of fintech concepts, the benefits and risks of digital financial services, and the importance of responsible and sustainable fintech utilization. The harmonization of roles among stakeholders proved effective in strengthening educational outcomes and increasing MSMEs’ awareness of prudent digital financial practices. This program is expected to serve as an initial collaborative model for strengthening fintech literacy to support sustainable business development in the Society 5.0 era.
Comparative Analysis of Cryptocurrency in Forms of Bitcoin, Stock, and Gold as Alternative Investment Portfolio in 2014' 2017 Radinka Dynand Mahessara; Budi Rustandi Kartawinata
Jurnal Sekretaris dan Administrasi Bisnis Vol 2 No 2 (2018): Jurnal Sekretaris dan Administrasi Bisnis
Publisher : LPPM Universitas Taruna Bakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31104/jsab.v2i2.58

Abstract

This research is based on the phenomenon of new investment instrument called Cryptocurrency-Bitcoin which becomes popular in recent years. Based on that phenomenon, this research tries to search which is the best investment instrument from three instruments such as Bitcoin, stocks, and gold. The research method used is quantitative method with the type of research is comparative descriptive. In this study, the authors use Sharpe, Treynor and Jensen index approach to evaluate the performance. This study intends to do a comparison from the index using the data of the investment instrument in the period of January 2014 to August 2017. The study sample was taken from price result from every investment instrument during the period of study. The result shows that Bitcoin is the best instrument because based on Sharpe, Treynor, and Jensen value the return is better than the other two instruments.
Co-Authors Achmad Fariz Aditya Wardhana Aditya Wardhana Agung Raya Agung Raya Agus Maolana Hidayat Ahmad Maulana Lotian Ahmad, Mokhtarrudin Akhmad Yunani Aldi Akbar Apriano, Raditya Arif Kuswanto Avinda, Ika Nur Bagus Novrianto Candra Wijayangka Citra, Khansa Fairuz Deden Witarsyah Dyah Maharani Elfarida Waty, Virgine Untari Faqih Hamami Farida Fajar Hidayati Fauzan Aziz Fauzia Rahman Hanansa R Dabinda Hidayati, Farida Fajar Hidayati, Farida Fajar Hiendra Kurniawan I Nyoman Bontot Indah Kusprasetya Jasinda Salsabila Nugrahani Karyadi Mahendra Fakhri Mahir Pradana Mangsor, Miza Monika Yovita Muhammad Hasan Rabbani Muhammad Ikhwan Mubaraq Mutiara, Nidia Ananda Nia Fitria Nurhalisa Nidia Ananda Mutiara Novarianty, Terisha Andra Nuslih Jamiat Pratiwi, Oktaria Nurul Radinka Dynand Mahessara Razali, Raja Razana Raja Rizki , Kurniady Safitri, Annisa Salma Aprilia Siahaan, Theresia Yolaika Silvi Amisha Putri Sita Deliyana Firmialy Sujak, Aznul Fazrin bin Abu Susanto Hendiarto Syah Putra, Syah Syahputra Syahputra Syahputra, Syahputra Syarifuddin Syarifuddin Theresia Yolaika Siahaan Treshya Setya Maharani Wijayanti, Nur Zahid, Azham