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All Journal JURNAL BISNIS STRATEGI JURNAL SAINS PEMASARAN INDONESIA Jurnal Studi Manajemen Organisasi Diponegoro Journal of Management Jurnal Kesehatan Reproduksi Journal of Economics, Business, & Accountancy Ventura Management Analysis Journal Jurnal Ilmiah Ekonomi Islam Syntax Literate: Jurnal Ilmiah Indonesia Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan International Journal of Economics, Business and Accounting Research (IJEBAR) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Return : Study of Management, Economic and Bussines Research Horizon Economic and Business Horizon
Farida Indriani
Program Studi PGSD FKIP Universitas Cokroaminoto
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implementation of BRIMO Superapps by the Millennial Generation for a Sustainable Economy Darmawan, Ekwan; Indriani, Farida
Research Horizon Vol. 4 No. 4 (2024): Research Horizon - August 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.4.2024.339

Abstract

This study aims to analyses the factors influencing the adoption and use of the Superapps BRIMO application by millennials at BRI Makassar Regional Unit and its impact on green value creation for economic sustainability towards Golden Indonesia 2045. The main problem addressed in this research is the low adoption rate of mobile banking applications among millennials and how this application can contribute to green value creation. The research method used is a qualitative approach with data collection techniques through in-depth interviews and participant observation. The collected data will be analyzed using thematic analysis to identify the main factors influencing adoption and use. This research is expected to provide significant contributions to the development of strategies for increasing the adoption of environmentally friendly banking technology that supports economic sustainability.
Studi tentang Keputusan Nasabah dalam Menggunakan Mobile Banking Livin by Mandiri pada PT. Bank Mandiri Area Semarang Pahlawan Asegaf, Fatimah Tsaralya; Indriani, Farida
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 18, No. 2 : Al Qalam (Maret 2024)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v18i2.3374

Abstract

Tujuan dari penelitian ini adalah untuk mengeksplorasi keputusan nasabah dalam menggunakan mobile banking Livin by Mandiri. Jenis data yang digunakan adalah data kualitatif dengan menggunakan Teknik purposive sampling. Metode pengumpulan data melalui wawancara kepada informan. Hasil wawancara terhadap keenam narasumber, yaitu wawancara Attitude Towards Behaviour nasabah yang menggunakan Livin By Mandiri merasakan kenyamanan dan tidak ada keluhan. Hasil wawancara Subjective Norm nasabah menyatakan faktor lingkungan dan keluarga juga menjadi salah satu keputusan nasabah dalam menggunakan Livin By Mandiri. Lalu nasabah yang sudah mempunyai aplikasi Livin by Mandiri tetapi tidak aktif dalam penggunaanya dikarenakan aplikasi sering error dan memakan memori yang cukup besar. Bagi non nasabah Livin By Mandiri merasa belum ada kebutuhan sehingga belum memutuskan untuk menggunakan Livin By Mandiri.
Pengaruh Kualitas Produk dan Layanan Terhadap Kepuasan Pelanggan Serta Dampak Loyalitas Pelanggan Brand Zara Wannahar, Karvin Shinta Laily; Indriani, Farida
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 17, No 5 : Al Qalam (September 2023)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v17i5.2641

Abstract

Penelitian ini bertujuan untuk menguji pengaruh kualitas produk dan layanan terhadap kepuasan pelanggan serta dampaknya terhadap loyalitas pelanggan pada brand Zara. Metode penelitian yang digunakan adalah survei online kepada 300 responden yang merupakan pelanggan setia Zara di Jakarta. Analisis data dilakukan menggunakan Structural Equation Modeling (SEM) dengan bantuan software Smart PLS. Hasil penelitian menunjukkan bahwa kualitas produk dan layanan memiliki pengaruh yang positif dan signifikan terhadap kepuasan pelanggan. Selain itu, kepuasan pelanggan juga memiliki pengaruh positif dan signifikan terhadap loyalitas pelanggan pada brand Zara. Implikasi manajerial dan saran untuk penelitian selanjutnya juga dibahas.
The Utilization of Artificial Intelligence for Financial Inclusion and Business Sustainability Among MSME Operators: Literature Review Sudrajat, Bagas; Johan, Destarika Irene; Kusumawardhani, Amie; Indriani, Farida
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.390

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a business sector that plays an important role in Indonesia's economy. MSME actors often face challenges in the sustainability of their businesses, both in terms of innovation and competitiveness, especially in the current digital era, which requires MSME actors to understand rapidly evolving technology. In the current technological development, the utilization of Artificial Intelligence (AI) can assist in various aspects of daily life. MSME actors can develop their businesses with the help of AI for decision-making and to take part in the financial sector, which ultimately improves business sustainability and more broadly increases economic growth. However, AI has not been widely utilized by MSMEs in Indonesia. The research method employed in this study is a literature review, which is a review or summary of previous research findings on the utilization of AI for financial inclusion and business sustainability in the MSME sector. This study presents an overview of the benefits and challenges of AI for MSME actors, as well as its impact on improving business sustainability and increasing economic growth.
The Role of Digital Technology in Enhancing Business Productivity in Indonesia: A Study on Bank Rakyat Indonesia Pertiwi, Rizky Maulani; Indriani, Farida
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.391

Abstract

The acceleration of digital transformation has become a crucial element in adapting to the needs of the times. According to a Deloitte survey, 67% of companies that implement digital transformation have proven to be superior compared to competitors that have not adopted digitalization, especially during the Covid-19 pandemic. As one of the leading banks, BRI is also actively promoting digital transformation. Since setting its vision to become The Most Valuable Banking Group in Southeast Asia & Champion of Financial Inclusion by 2025, BRI has consistently strengthened the digitalization aspect within the company. This research employs a qualitative descriptive approach to provide a comprehensive overview of digital transformation strategies and their impact on the company's competitiveness. The main findings of this study indicate that accelerating digital transformation is essential for helping companies adapt to changes and maintain competitive advantage. This research contributes significantly by highlighting the importance of digital transformation as a key strategy for maintaining competitiveness in the era of technological disruption. Moreover, this study supports strategic decision-making for companies, particularly in the banking and financial sectors like BRI, which focuses on strengthening digitalization as part of its long-term vision. These findings also serve as a guide for business leaders in designing effective digital transformation policies for the future.
The Effect of E-Payment on Global Consumers: A Systematic Literature Review Kurniawan, Adiq Riyan; Prasetyo, Dimas Dwi; Indriani, Farida
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.392

Abstract

The development of electronic technology has greatly influenced the paradigm shift in payment transactions, leading to the emergence of a payment method known as Electronic Payment (e-Payment) which is an innovation in payment transactions in this modern era. Strong and widespread connectivity plays an essential role in driving a significant transformation in the financial market and operations. Digitalization and the utilization of the internet have made the global economic system more advanced and practical, thus boosting economic growth. This research aims to examine the implementation of e-payment among consumers globally and its impact on business growth, economic growth, and productivity. This study investigates the key factors influencing patterns and trends in the implementation of e-payments. This research employs a systematic literature review related to implementation of e-payment and its influence on business growth, economic growth, and productivity, including articles published from 2020 to 2024 to ensure relevant findings. The results of this study are expected to confirm the significance of e-payment implementation on business growth, economic growth, and productivity.
Advancing Sustainable Economies Through Green Banking: A Systematic Review Dewi, Nike Silvia; Gunawan, Veronica Christin; Indriani, Farida
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.400

Abstract

Global attention is now beginning to focus on environmental protection given the increasing rate of global warming. This study aims to examine the practice of green banking where its execution can help in accomplishing the goal of sustainable development and economic sustainability. This study analyzes the role of banking in the implementation of green banking in terms of financing, assortment of green banking products and reporting. Green banking innovation in the banking industry means balancing economic success with social and environmental responsibility. This research utilizes a systematic literature review related to green banking and its link to economic sustainability that includes articles published from 2018 to 2024 to ensure the findings are relevant. The results of this study are expected to affirm the importance of green banking practices in connection to making economic sustainability and contribute to raising awareness of the importance of observing the environmental impacts of bank financing.
The Impact of Perceived Usefulness, Perceived Ease of Use, and Digital Literacy on QRIS Adoption Ikwanto, Azisma Nur Putri; Indriani, Farida
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.422

Abstract

This study aims to analyze the impact of perceived usefulness, perceived ease of use, and digital literacy on the intention of Micro, Small, and Medium Enterprises (MSMEs) to adopt Quick Response Code Indonesian Standard (QRIS) to support economic digitalization for community development. Using a quantitative approach, this research examines three primary independent variables: perceived usefulness, perceived ease of use, and digital literacy, and their effect on the dependent variable, which is MSMEs' intention to use QRIS (Y). Data were gathered through a survey of 50 MSME owners in Central Java who have implemented QRIS as a digital payment method. Regression analysis results indicate that both perceived usefulness and perceived ease of use have a significant positive influence on the intention to use QRIS. Digital literacy is also found to contribute significantly to MSMEs' interest in using QRIS, especially by enhancing their confidence in technology and reducing technical barriers. The findings suggest that perceived usefulness and ease of use play essential roles in encouraging MSMEs to adopt digital payment technologies. Moreover, higher digital literacy supports MSMEs' readiness to engage in an inclusive digital economy, thereby accelerating community development. These insights provide valuable guidance for policymakers and stakeholders to improve digital infrastructure and literacy, fostering MSME growth through economic digitalization.
Pengaruh Program Membership dan Kualitas Layanan Perspektif Ekonomi Islam Terhadap Minat Pembeliaan Berulang Dengan Kepuasan Pelanggan Sebagai Variabel Intervening Utomo, Ardiawan; Indriani, Farida
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.8668

Abstract

This research aims to find out, study and analyze the influence of membership programs and service quality on repeat purchase interest with customer satisfaction as an intervening variable. The population is Ngoembah laundry customers with a total of 600 customers. The number of samples for this research was 86 customers using the Slovin formula. Researchers use quantitative analysis to analyze data. To collect data directly from Ngoembah laundry customers, using a survey or questionnaire method was chosen. This research uses Structural Equation Modeling (SEM) which is a multivariate analysis method which combines factor analysis and regression analysis. The research results obtained show that the membership program has a positive and significant effect on customer satisfaction. Service quality has a positive and significant effect on customer satisfaction. The membership program has a positive and significant effect on repurchase interest. Service quality has a positive and significant effect on repurchase intention. Customer satisfaction has a positive and significant effect on repurchase intention.
Bank BRI Digital Transformation Strategy for Corporate QLola Application Decision-Making Syafaruddin, Frans Prayuda; Wibowo, Wisnu Aji; Indriani, Farida
Economic and Business Horizon Vol. 4 No. 2 (2025): May
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.2.2025.620

Abstract

This study examines the digital transformation strategy of Bank Rakyat Indonesia (BRI) in fostering corporate decision-making towards the adoption of the QLola application for business transactions. In response to rapid technological advancements and shifting customer behavior towards digital financial services, BRI launched the QLola platform as an integrated corporate digital banking solution. This research employs a qualitative approach, utilizing in-depth interviews and triangulation techniques with corporate users across various industries, including hospitality, seafood export, and agriculture sectors. The findings reveal that BRI's strategic focus on comprehensive digital transformation, including API integration and data-driven decision dashboards, has significantly enhanced corporate transaction efficiency and financial management transparency. Additionally, the study underscores that BRI's digital banking innovation not only strengthens its position in corporate banking services but also contributes to building a more inclusive and competitive national digital financial ecosystem. The novelty of this research lies in its emphasis on the correlation between digital banking transformation strategies and corporate decision-making processes, providing valuable insights for practitioners and academics in understanding the dynamics of digital financial services adoption.
Co-Authors Abdillah, Aris Ade Kurniadi, Ade Adi Kurniawan, Henricus Adi, Bramasto Adiq Riyan Kurniawan, Adiq Riyan Aditya Kurniawan Adriyati, Rosmaya Agustin, Fitrianiz Amie Kusumawardhani, Amie Apriando, Joni Putra Asegaf, Fatimah Tsaralya Augusty Tae Ferdinand Ayu Puspitasari, Dyah Choirunnisa Choirunnisa, Choirunnisa Citra Ajeng Isywari, Citra Ajeng Damayant, Akmila Farida Dani, Akhmad Nur Darmawan, Ekwan Dewi, Nike Silvia Dimas Dwi Prasetyo Diva Riza Fahlefi Ekaputri, Alya Maherka Ellanto, Kenny Forma Nastiti, Monica Rizka Gracelia, Yohana Gunawan, Veronica Christin Hapsari, Ria Mawar Hari Basuki Harimurti, Panji Satria Harjum Muharam Harry Soesanto I Made Sukresna Ibadi, Iman khusni Ikwanto, Azisma Nur Putri Irfan Wildzan Muafa J. Sugiarto, J. Johan, Destarika Irene Kamaludi, Elvin Maharani, Shabira Mirna Tria Pratiwi Nandia Agy Nilawati Nofriady, Hery Nurdianasari, Rista Nurwibowo, Rifqi Wildan Pangestika, Teta Kirana Pertiwi, Rizky Maulani Pradwipa, Ayodya Prasetyowati, Eko Rahman, Andi Halim Ronauli, Laura Natalia Salvariza, Muhammad Santoso, Wibowo Iman Sari, Tria Mei Dian Shofwal Widad Sihotang, Daniel Janrian Singgih Purnomo Sudrajat, Bagas Sujarwo, Makmur Sulchan Sofoewan, Sulchan Sumahardi, Doddi Susilo Toto Rahardjo Sutopo Sutopo Syafaruddin, Frans Prayuda Syah, Muhammad Ariq Tambunan, Maria Anastasia Tegar Kurniawan, Aden Tri Sumaryati, Amelia Rahmadani Turidobroto, Bastian Utomo, Ardiawan Vancasavio, Reno Wannahar, Karvin Shinta Laily Wibowo, Wisnu Aji