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All Journal Owner : Riset dan Jurnal Akuntansi OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship (JRAMB) Jurnal Riset Akuntansi Mercu Buana Penentuan harga obligasi dan teori tingkat bunga Jurnal Abdi Insani Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Ekobis: Jurnal Ilmu Manajemen dan Akuntansi International Journal of Economics, Management, Business, and Social Science International Journal of Community Service Jurnal Ekonomi Manajemen (JEM) Jurnal Dimamu Economics Professional in Action (E-Profit) Jurnal Lentera Pengabdian Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Bhakti Karya dan Inovatif Jurnal Accounting Information System (AIMS) Jurnal Maps (Manajemen Perbankan Syariah) In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Commercium: Journal of Business and Management Involvement International Journal of Business (IIJB) Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis Annusfy
Agung Pramayuda
Program Studi Manajemen, Fakultas Ekonomi Dan Bisnis, Universitas Informatika Dan Bisnis Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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TRANSFORMASI DIGITAL DALAM ORGANISASI: STRATEGI, RESIKO, DAN INOVASI Anang Bambang Pujianto; Johnson Sinaga; Agung Pramayuda; Mugi Puspita; Irfan Achmad musadat; Muhammad Ghazy Khairi Azka
Jurnal Abdi Insani Vol 13 No 3 (2026): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v13i3.3025

Abstract

The development of digital technology has transformed the way organizations operate, interact, and adapt to an increasingly dynamic environment. Digital transformation is no longer merely an option but a strategic necessity for organizations to remain relevant and competitive. However, many organizations in Indonesia—particularly educational institutions, MSMEs, and community organizations—still face challenges such as limited digital literacy, the absence of well-defined strategies, and a lack of understanding regarding digital risks. These conditions underlie the implementation of a Community Service (PkM) program with the theme “Digital Transformation in Organizations: Strategy, Risk, and Innovation.” The purpose of this program is to provide comprehensive insights to target partners—namely educators, MSME actors, and non-profit managers—on digitalization strategies, risk management, and innovations applicable to their organizational context. The implementation method was carried out through a national webinar that enabled broad participation from across Indonesia, with activities designed to include material presentations, interactive discussions, and evaluations using questionnaires, pre-tests, and post-tests. The results of the program indicated a significant increase in participants’ understanding of the importance of digital roadmaps, awareness of technological risks, and opportunities for digital-based innovation. Participants also demonstrated strong enthusiasm in adopting simple yet relevant technologies, such as digital marketing and cloud-based management. The implication of these results is that digital transformation can be understood and gradually adopted by various types of organizations when provided with appropriate guidance, even with limited resources. Therefore, this PkM initiative is crucial as it not only enhances digital literacy but also encourages organizations in Indonesia to become more adaptive, innovative, and resilient in facing the era of technological disruption.
Key Determinants of Fintech Peer-to-Peer Lending Usage Intentions: Insights from Bandung City Okta Eka Putra; Agung Pramayuda; Tanti Rohaeni; Vera Yessica Tarigan; Ariezan Zainal Ariffin
Involvement International Journal of Business Vol. 2 No. 1 (2025): January 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i1.107

Abstract

This study aims to identify and analyze the key factors influencing the intention to use fintech peer-to-peer (P2P) lending services in Bandung City, addressing a significant area of financial technology adoption in emerging markets. This research uses a quantitative accidental sampling method, namely a non-probability sampling technique to survey 428 residents of Bandung City who use P2P lending services. Data were collected through questionnaires and analyzed using multiple linear regression to evaluate the impact of various independent variables on usage intention. The analysis revealed that Personalization, Accessibility, and Enhanced Effectiveness have a positive and statistically significant influence on the intention to use P2P lending. Conversely, Loan Approval Speed demonstrated a negative and statistically significant effect. Social Factors, however, were found to have no significant impact on usage intention. These findings contribute to the literature on fintech adoption, highlighting the importance of service personalization and accessibility while identifying areas for improvement, such as streamlining loan approval processes. The insights provided can inform strategies for both service providers and policymakers in fostering responsible P2P lending adoption in Bandung City. This research underscores critical determinants of P2P lending usage intentions and provides actionable insights for enhancing the effectiveness and appeal of financial technology services in Bandung City.
OPTIMALISASI PROFITABILITAS PERBANKAN MELALUI EFISIENSI OPERASIONAL, PENGENDALIAN LIKUIDITAS DAN RISIKO KREDIT: IMPLIKASI KEBIJAKAN BAGI INDUSTRI PERBANKAN INDONESIA Agung Pramayuda; Rina Dwiarti; Irfan Achmad Musadat; Retno Widya Ningrum; Okta Eka Putra
(JRAMB) Jurnal Riset Akuntansi Mercu Buana Vol 12 No 1: Mei 2026
Publisher : Universitas Mercu Buana Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26486/vpqmjj61

Abstract

Profitability is an important indicator in assessing banking performance because it reflects a bank's ability to manage its resources efficiently to generate sustainable earnings. This study aims to examine the effects of liquidity management, credit risk, and operational efficiency on the profitability of Conventional Commercial Banks classified as Core Capital-Based Bank Group II with total assets exceeding IDR 25 trillion in Indonesia. The study employed a quantitative method with descriptive and verificative approaches. Secondary data were collected from the annual financial statements of 17 banks during the 2022–2024 period. Data analysis was conducted using panel data regression with the assistance of Eviews software. The findings indicate that effective liquidity management through optimal loan disbursement contributes positively to bank profitability. In contrast, higher credit risk and operational inefficiency reduce the ability of banks to generate profits. The study also reveals that operational efficiency is the most dominant factor influencing banking profitability. These findings suggest that profitability is determined not only by the bank's ability to increase revenue through credit expansion but also by its capability to maintain loan quality and control operational costs effectively. The implications of this study highlight the importance of implementing an integrated strategy that combines the optimization of the intermediation function, strengthening credit risk management, and improving operational efficiency through digital transformation. Such efforts are essential to achieving sustainable financial performance and enhancing the competitiveness of the Indonesian banking industry.
Pengaruh Diversifikasi Portofolio Kredit Dan Bank Size Terhadap Risiko Kredit Pada Industri Perbankan Kelompok Bank Berdasarkan Modal Inti (KBMI) 1 Periode 2019-2023 Tarisa Sagita Utami; Aninditha Putri Kusumawardhani; Agung Pramayuda
Jurnal Dimamu Vol. 5 No. 3 (2026)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/dimamu.v5i3.2112

Abstract

This research aims to determine the description and influence of Credit Portfolio Diversification and Bank Size on Credit Risk. The object of this research is the Bank Group banking industry based on Core Capital (KBMI) 1 for the 2019-2023 period. The method used is a quantitative method with a descriptive and verification approach.  The population in this study was 235 annual report from 47 banking companies in the Bank Group based on Core Capital (KBMI) 1 for the 2019-2023 period, using a sampling technique purposive sampling, So the sample in this study totaled 50 annual report of 10 companies for the 2019-2023 period. The results of this research show that credit portfolio diversification does not spread the credit portfolio to various sectors, bank size experienced an increase from 2019-2020 and decreased in 2023, and credit risk experienced fluctuations. Based on the test results, it was found that Credit Portfolio Diversification does not affect Credit Risk with an influence size of 0.2%, Bank Size influence on Credit Risk with the magnitude of the influence, Credit Portfolio Diversification and Bank Size No influence on Credit Risk in the Bank Group banking industry based on Core Capital (KBMI) 1 for the 2019-2023 period with an influence size of 6.2%.  
Co-Authors Aggi Panigoro Aggi Panigoro Sarifiyono Anang Bambang Pujianto Aprianti, Vika Ariezan Zainal Ariffin Arin Krisnawati Ayu Nike Retnowati Azkia, Zahra Nurul Badriyah, Ratnaini Bambang Sugeng Dwiyanto Bob Foster Dyah Rachman Kuswartanti Elan Rusnendar Fikri, Andri Muhammad Hajiah, Arin Al Hamzah Zuyyina Rahmat Immanuel David Martsinus Situmorang Indarta Priyana Irfan Achmad Musadat Irfan Musadat Jelita Ayu Nurillah Johnson Sinaga Junika Br Meliala Kusumawardhani, Aninditha Putri Mahendra, Rivan Yusni Marbun, Frida Wati Boru Mesya Dwiyana Mesya Dwiyana Mugi Puspita Mugi Puspita Mugi Puspita Mugi Puspita Muhammad Ferdi Pradana Muhammad Ghazy Khairi Azka Nisrina Nur Duriyah Nisrina Nur Duriyah Nisrina Nur Duriyah Nur Asih Triatmaja Okta Eka Putra Okta Eka Putra Priyana, Indarta Purnama, Susan Putra, Okta Eka Raffa Al Fahrip Putra Rahma Nafilatun Nisa Retno Widya Ningrum Retno Widya Ningrum Retno Widya Ningrum, Retno Widya Ningrum Rina Dwiarti Siti Hawa Salsabila Siti Jasmin Aulia Azzahra Siti Nurpaidah Subarna Susan Purnama Tanti Rohaeni Tarisa Sagita Utami Vera Yessica Tarigan Vika Aprianti Vina Andita Pratiwi Wildan Nur Zaman