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All Journal Journal of Tourism Sustainability Journal Integration of Management Studies
Kurnia Fajar Afgani
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Humanities Decision Sciences, Operations Research & Management Social Sciences

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Journal : Journal Integration of Management Studies

 1 
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.
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.
The Impact of Super Apps Usage on Financial Literacy and Financial Behavior of Generation Z in Indonesia: A Literature Synthesis Tabina Azzahra; Kurnia Fajar Afgani
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.v1i1.32

Abstract

Based on a literature review, this study explores the relationship between financial technology, financial literacy, and financial behavior. The findings suggest that financial technology is interconnected with financial literacy and behavior. Future research using quantitative or qualitative studies is recommended to investigate this relationship further. The proposed conceptual model can be utilized to examine the impact of super apps on Generation Z's financial literacy and financial behavior in Indonesia. This study contributes to the existing body of knowledge by shedding light on the potential implications of financial technology on individuals' financial knowledge and behaviours, particularly among the younger generation.
Co-Authors Agil Krisna Rivanda Eko Susanto Louis, Evannia Immanuel Marziana Madah Marzuki Marziana Marzuki Radia Purbayati Satriani Siti Nurlaila Tabina Azzahra Vincentia