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All Journal BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Journal of Research on Business and Tourism Journal of Comprehensive Science Jurnal Ilmu Manajemen & Ekonomika Media Ekonomi Jurnal Keuangan dan Perbankan Jurnal Indonesia Sosial Sains Cerdika: Jurnal Ilmiah Indonesia Jurnal Global Ilmiah Jurnal Inovasi Global Jurnal Multidisiplin Indonesia Jurnal Ilmiah Manajemen dan Akuntansi
Antyo Pracoyo
STIE Indonesia Banking School
Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Neuroscience Physics Public Health Social Sciences Veterinary Other

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Pengaruh Kualitas Kompetensi dan Kualitas Kompensasi Terhadap Pencegahan Fraud Serta Efek Moderasi Pengendalian Internal Bank ABC Marlina Resubun; Rozi A. Sabil; Batara M Simatupang; Antyo Pracoyo
Cerdika: Jurnal Ilmiah Indonesia Vol. 6 No. 5 (2026): Cerdika: Jurnal Ilmiah Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/cerdika.v6i5.3306

Abstract

Fraud merupakan ancaman serius bagi industri perbankan yang dapat mengganggu stabilitas keuangan dan kepercayaan publik. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas kompetensi dan kualitas kompensasi terhadap pencegahan fraud, dengan pengendalian internal sebagai variabel moderasi. Penelitian ini dilakukan pada Bank ABC di Kota Jayapura menggunakan metode kuantitatif. Objek penelitian mencakup seluruh pegawai Bank ABC, dengan teknik pengumpulan data melalui kuesioner yang melibatkan 100 responden. Pengujian hipotesis dilakukan menggunakan perangkat lunak SPSS versi 27.  Hasil analisis regresi berganda menunjukkan bahwa kualitas kompetensi dan kualitas kompensasi berpengaruh positif dan signifikan terhadap pencegahan fraud. Sementara itu, hasil analisis moderasi mengungkap bahwa pengendalian internal tidak berperan sebagai moderator dalam hubungan antara kualitas kompetensi dan pencegahan fraud. Namun, pengendalian internal memiliki efek moderasi negatif terhadap hubungan antara kualitas kompensasi dan pencegahan fraud. Temuan ini memberikan wawasan penting bagi institusi keuangan, khususnya dalam merancang strategi yang lebih efektif dalam mencegah fraud melalui peningkatan kompetensi dan kompensasi karyawan serta pengelolaan pengendalian internal yang lebih optimal.
Game Changer in Payment Method: Factors Influencing Users Intention to Use QRIS Halley Christoforus Rettob; Batara Maju Simatupang; R. Bambang Budhijana; Antyo Pracoyo
Journal of Research on Business and Tourism Vol. 6 No. 1 (2026): Journal of Research on Business and Tourism
Publisher : Lembaga Penelitian Publikasi dan Pengabdian Masyarakat LSPR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37535/104006120264

Abstract

Payment system has undergone continuous changes, and the evolving landscape shows how QRIS (Quick Response Code Indonesia Standard) is changing Indonesian society preference of payment. The study explores the driving factors of users’ intention to adopt the QRIS through the lens of modified UTAUT framework to see whether users’ emotions correlate toward their Intention. Analysis is done through quantitative descriptive approach using PLS-SEM, with data collected from 109 QRIS users in the Greater Jakarta (Jabodetabek) area using a non-probability convenience sampling technique. The results show that Behavioral Intention has a significant effect on Intention to Use and bridges (mediates) the relationships between Social Influence, Effort Expectancy, and Performance Expectancy toward Intention to Use. In contrast, direct effects from Social Influence, Effort Expectancy, and Performance Expectancy have limited significance on Intention to Use. These findings suggest that QRIS adoption operates as a behavioral-driven process, highlighting the importance of strengthening users’ Behavioral Intentions to accelerate digital payment adoption. The study contributes to the digital payment literature by positioning QRIS as a transformative innovation in Indonesia’s payment system.
Stock Market Panic Cycles Anad Asset Diversification Strategies: The Role of Gold, Foreign Currency, and Bitcoin as Safe Havens in Indonesia Paulina Harun; Taufiq Pradhana; Batara Maju Simatupang; Antyo Pracoyo
Jurnal Indonesia Sosial Sains Vol. 7 No. 6 (2026): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v7i6.2358

Abstract

This research examines the role of gold, foreign exchange, and Bitcoin as hedge, diversifier, and safe haven assets for the Indonesian stock market (IHSG). The study aims to identify alternative investment instruments that can serve as hedging tools, diversifiers, and safe havens during various crisis periods, including the European debt crisis (2011), taper tantrum (2013), China market crisis (2015), COVID-19 pandemic (2020), Russia–Ukraine war (2022), and Middle East geopolitical tensions (2025). Using daily data from July 2011 to December 2025, the analysis covers major crises including the European debt crisis, taper tantrum, COVID-19, the Russia–Ukraine war, and Middle East geopolitical tensions. The study applies Ordinary Least Squares (OLS) with crisis dummy variables and Dynamic Conditional Correlation Generalized Autoregressive Conditional Heteroskedasticity (DCC-GARCH). The findings show that foreign currencies, particularly the US Dollar, consistently function as the strongest safe haven assets for IHSG, followed by the Euro and Chinese Yuan. Gold demonstrates mixed characteristics depending on denomination and form. XAU/USD and ANTAM gold mainly act as diversifiers, while XAU/IDR serves as a weak safe haven due to exchange rate effects. Meanwhile, Bitcoin fails to function as a safe haven and behaves as a speculative risky asset during market crises. The study provides empirical evidence that safe haven characteristics are time-varying and asset-specific, offering practical implications for investment and portfolio diversification strategies, while emphasizing the importance of rupiah exchange rate stability and guiding future research directions.
Pengaruh Kepemimpinan Transformasional, Kepuasan Kerja dan Budaya Organisasi Terhadap Kinerja Karyawan Melalui Motivasi Kerja Sebagai Variabel Mediasi di Bank Papua KCU Sorong Ade Hari Murti; Antyo Pracoyo; Batara Maju Simatupang; Subarjo Joyosumarto
Journal of Comprehensive Science Vol. 5 No. 1 (2026): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v5i1.3981

Abstract

Penelitian ini bertujuan untuk menganalisis variabel-variabel yang mempunyai pengaruh terhadap kinerja karyawan pada Bank Papua KCU Sorong. Variabel dependen yang digunakan dalam penelitian ini adalah kinerja karyawan dan variabel independen menggunakan Kepemimpinan Transformasional, Kepuasan Kerja dan Budaya Organisasi dengan variabel mediasi Motivasi Kerja. Penelitian ini menggunakan jumlah sampel yang sebanyak 70 responden. Metode analisis yang digunakan didalam penelitian ini adalah menggunakan metode analisis data kuantitatif. Teknik pengolahan data yang digunakan pada penelitian ini adalah dengan metode Struktur Equation Modelling menggunakan aplikasi SmartPLS 4.0. Hasil dari penelitian ini menunjukkan bahwa variabel Kepuasaan Kerja dan Budaya Organisasi berpengaruh terhadap Motivasi Kerja, sedangkan variabel Kepemimpinan Transformasional tidak berpengaruh terhadap Motivasi Kerja. Variabel Kepuasaan Kerja dan Budaya Organisasi berpengaruh terhadap Kinerja Karyawan, sedangkan variabel Kepemimpinan Transformasional tidak berpengaruh terhadap Kinerja Karyawan. Variabel Budaya Organisasi berpengaruh terhadap Kinerja Karyawan melalui Motivasi Kerja, sedangkan variabel Kepuasaan Kerja dan Kepemimpinan Transformasional tidak berpengaruh terhadap Kinerja Karyawan melalui Motivasi Kerja.
Analisis Faktor-Faktor Internal yang Berpengaruh Terhadap Pertumbuhan Kredit (Studi Kasus Pada PT. Bank Pembangunan Daerah Papua Periode 2009 – 2024) Omilka Toban; R. Bambang Budhijana; Enny Haryanti; Antyo Pracoyo
Journal of Comprehensive Science Vol. 5 No. 3 (2026): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v5i3.4106

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor internal terhadap pertumbuhan kredit pada PT Bank Pembangunan Daerah Papua (Bank Papua) selama periode 2009–2024. Faktor internal yang dianalisis meliputi Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), serta Pemanfaatan Teknologi. Pertumbuhan kredit digunakan sebagai variabel dependen dalam penelitian ini. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi linear berganda. Data yang digunakan merupakan data sekunder berupa laporan keuangan tahunan Bank Papua selama periode pengamatan. Sebelum dilakukan pengujian hipotesis, data dianalisis menggunakan statistik deskriptif dan diuji dengan uji asumsi klasik yang meliputi uji normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi. Hasil penelitian menunjukkan bahwa secara parsial Loan to Deposit Ratio (LDR), dan Pemanfaatan Teknologi berpengaruh positif signifikan terhadap pertumbuhan kredit. Sementara itu, Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh negatif signifikan terhadap pertumbuhan kredit. Secara simultan, seluruh variabel independen berpengaruh signifikan terhadap pertumbuhan kredit Bank Papua.
Pengaruh Literasi, Inklusi, Akses Keuangan terhadap Keputusan Pengambilan Kredit UMKM Bank Maluku Malut dengan Suku Bunga Kredit Sebagai Variabel Moderasi Epafroditus Elisa Wedilen; Batara M. Simatupang; R. Bambang Budhijana; Antyo Pracoyo
Journal of Comprehensive Science Vol. 5 No. 6 (2026): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v5i6.4196

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam perekonomian nasional, namun masih menghadapi kendala akses permodalan, terutama di wilayah timur Indonesia seperti Maluku dan Maluku Utara. Penelitian ini bertujuan untuk mengtahui, menguji dan menganalisis pengaruh literasi keuangan, inklusi keuangan, dan akses keuangan terhadap keputusan pengambilan kredit UMKM di Bank Maluku Malut, dengan suku bunga kredit sebagai variabel moderasi. Sampel yang digunakan dalam penelitian ini adalah 194 responden pelaku UMKM yang menjadi debitur di Bank Maluku Malut dengan teknik purposive sampling. Jenis data dalam penelitian ini adalah data primer dengan pengambilan data menggunakan kuesioner yang telah disebar. Analisis data dilakukan menggunakan metode Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS) melalui aplikasi SmartPLS 4.1.1.4. Hasil penelitian ini menunjukan bahwa literasi keuangan tidak berpengaruh signifikan terhadap keputusan pengambilan kredit, sedangkan inklusi keuangan dan akses keuangan berpengaruh positif dan signifikan terhadap keputusan pengambilan kredit UMKM di Bank Maluku Malut. Variabel suku bunga tidak memoderasi hubungan antara ketiga variabel independen dengan keputusan pengambilan kredit. Kesimpulannya, perilaku pembiayaan UMKM lebih ditentukan oleh tingkat partisipasi dalam sistem keuangan formal dan kemudahan akses layanan perbankan dibandingkan dengan tingkat literasi keuangan atau fluktuasi suku bunga. Bank Maluku Malut disarankan untuk memperluas inklusi dan akses keuangan, sementara program literasi perlu dirancang lebih aplikatif agar dapat mendorong perubahan perilaku finansial.
Integrating ISSM, TAM, and Task-Technology Fit to Explain Trust Formation In Mobile Banking: Evidence from Islamic Banking M. A. Suharto; Batara Maju Simatupang; R. Bambang Budhijana; Antyo Pracoyo
Jurnal Multidisiplin Indonesia Vol. 5 No. 4 (2026): (2026): Jurnal Multidisiplin Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jmi.v5i4.2676

Abstract

This study investigates the determinants of customer trust in mobile banking within the context of Islamic banking by integrating three major theoretical frameworks: the Information Systems Success Model (ISSM), the Technology Acceptance Model (TAM), and the Task-Technology Fit (TTF). A quantitative approach was employed using survey data collected from 348 respondents, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that system quality, information quality, service quality, task characteristics, structural assurance, perceived usefulness, and perceived ease of use all have significant effects on trust. Among these factors, task characteristics emerge as the most dominant determinant, highlighting the critical role of aligning system functionalities with users' transactional needs. This study contributes to the literature by proposing an integrative framework that explains trust formation as a multidimensional construct shaped by the interaction of technological performance, user perception, and functional alignment. The findings extend prior research by demonstrating that trust is more strongly influenced by task-technology fit than by purely technical or institutional factors. Practically, the results suggest that banking institutions should prioritize user-centered design, real-time information accuracy, and responsive digital services to enhance trust in mobile banking. This study provides both theoretical advancement and actionable insights for improving digital banking strategies in Islamic financial institutions.
PENGARUH GAYA KEPEMIMPINAN, KOMPENSASI, LINGKUNGAN KERJA DAN BUDAYA KERJA TERHADAP KEPUASAN KERJA KARYAWAN (STUDI PADA KARYAWAN GENERASI Z DI DKI JAKARTA) Almira Talitha Zuleiha; Antyo Pracoyo; Enny Haryanti; Subarjo Joyosumarto
Jurnal Ilmiah Manajemen dan Akuntansi Vol. 3 No. 2 (2026): Maret : Jurnal Ilmiah Manajemen dan Akuntansi
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/5e8b0x88

Abstract

This study aims to evaluate the level of job satisfaction among Generation Z employees in the Jakarta Special Capital Region (DKI Jakarta). The analysis focuses on four variables considered to have potential influence on job satisfaction: leadership style, compensation, work environment, and organizational culture. These four aspects are treated as independent variables, while job satisfaction serves as the dependent variable whose relationship is examined. A quantitative approach was employed to process the collected data, utilizing the Structural Equation Modelling (SEM) method, specifically the Partial Least Squares (PLS) technique. Data analysis was conducted with the assistance of SmartPLS software. Primary data were obtained through online questionnaires distributed via Google Forms, targeting respondents categorized as Generation Z employees currently working in Jakarta. The findings reveal that leadership style and work environment have a significant and positive impact on job satisfaction. This suggests that effective leadership and a supportive work setting can enhance employees’ overall satisfaction. On the other hand, while compensation and organizational culture also show a positive relationship with job satisfaction, their influence is not statistically significant. In other words, these two variables do not exert a strong enough effect to explain the variations in job satisfaction among Generation Z employees within the scope of this study.
Pengaruh Organization Culture Dan Komitmen Organisasi Terhadap Employee Performance Dimoderasi Motivasi Individu James Jacky Wayoi; Antyo Pracoyo; Enny Haryanti; Subarjo Joyosumarto
Jurnal Keuangan dan Perbankan Vol. 22 No. 01 (2025): Jurnal Keuangan Dan Perbankan, Volume 22, No.1, Desember 2025
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jkp.v22i01.855

Abstract

This study examines the effect of organizational culture and organizational commitment on employee performance, with individual motivation as a moderating variable at PT. Bank Papua Biak Branch. The population consisted of 57 employees, including permanent, contract (PKWT), and interns, with sampling conducted using a non-probability technique. Data were analyzed using Moderated Regression Analysis (MRA). Results show that organizational culture has a positive and significant effect on employee performance, indicating that stronger culture leads to higher performance. Meanwhile, organizational commitment has a positive but insignificant effect, suggesting that commitment alone is not sufficient to improve outcomes. Individual motivation strengthens the link between culture and performance, as motivated employees reinforce the role of culture in enhancing results. However, motivation does not moderate the relationship between commitment and performance. Based on these findings, management is advised to reinforce organizational culture through training, value dissemination, and exemplary leadership. Organizational commitment can be improved through participatory management, while motivation should be supported by fair rewards, career opportunities, recognition, and a positive work environment. Future studies are encouraged to explore other moderating variables, such as job satisfaction, organizational climate, or leadership style, for more comprehensive insights.
Understanding the Drivers of Turnover Intention: A Study of Workload, Work Environment, Job Satisfaction, and Job Insecurity at PT Bank Papua Yunike Oktovina Imbenai; Batara Maju Simatupang; R. Bambang Budhijana; Antyo Pracoyo
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 12 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The high employee turnover intention poses a serious challenge in retaining quality human resources at PT Bank Pembangunan Daerah Papua. This phenomenon is triggered by several factors, including excessive workload, unsupportive work environment, low job satisfaction, and perceptions of job insecurity among employees. This study aims to analyze the influence of workload, work environment, job satisfaction, and job insecurity on employee turnover intention. The method used in this study is quantitative with a descriptive-verificative approach. The population in this study consists of all permanent employees of PT Bank Pembangunan Daerah Papua, and the sample is determined through purposive sampling with 100 respondents. Data collection is conducted through questionnaires, and data analysis uses Partial Least Square Structural Equation Modeling (PLS SEM). The results show that workload and job insecurity have a significant positive effect on turnover intention, while work environment and job satisfaction have a significant negative effect. This means that the heavier the workload and the higher the job insecurity, the greater the employee's desire to leave. Conversely, a conducive work environment and high job satisfaction can reduce turnover intention. This research emphasizes the importance of management in fairly managing workload, enhancing job security, fostering a positive work atmosphere, and prioritizing employee welfare as part of retention strategies.
Co-Authors Ade Hari Murti Adinda Emilia Christiani Ladjadjawa Ahadi Ahadi Almira Talitha Zuleiha Angky Sahabi Manoppo Aprialy Angelica Asyifa Fadhila Aulia Imani Aulia Imani Bambang Budhijana Bangun Kurniawan Batara M Simatupang Batara M. Simatupang Batara Maju Simatupang Batara Simatupang Billy Fadhilla Maliki Cecilia Malona Enggar Prima Jakti Enny Haryanti Epafroditus Elisa Wedilen Erric Wijaya, Erric Farid Dwiputra Ferdy Adi Sampurno Galih Sejati Gilang Oktario Wicaksana Halley Christoforus Rettob Inggit Mawarsih Puspita Sari Intan Mega Pratiwi James Jacky Wayoi M. A. Suharto Marlina Resubun Muchlis Muchlis Muhammad Hafid Omilka Toban Paulina Paulina Princesza Feyga Candi Permana R. Bambang Budhijana Rozi A. Sabil RR Lissa Arumdari Subarjo Joyosumarto Taufiq Pradhana Tri Kunawangsih P Wasi Bagasworo Whony Rofianto Yunike Oktovina Imbenai