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All Journal Agrikultura JOURNAL ON SOCIAL ECONOMIC OF AGRICULTURE AND AGRIBUSINESS Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Jurnal Penelitian Pendidikan IPA (JPPIPA) JURNAL MUQODDIMAH : Jurnal Ilmu Sosial, Politik dan Hummaniora EKONOMIS : Journal of Economics and Business Jurnal Agroqua: Media Informasi Agronomi dan Budidaya Perairan Pendas : Jurnah Ilmiah Pendidikan Dasar Indonesian Journal of Agricultural Research JOURNAL OF SCIENCE AND SOCIAL RESEARCH JURNAL AGRICA Journal of Saintech Transfer Agro Bali: Agricultural Journal Abdimas: Jurnal Pengabdian Masyarakat Universitas Merdeka Malang Randwick International of Social Science Journal International Journal Reglement & Society (IJRS) International Journal of Educational Review, Law And Social Sciences (IJERLAS) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Proceedings Series on Physical & Formal Sciences Jurnal Minfo Polgan (JMP) East Asian Journal of Multidisciplinary Research (EAJMR) Formosa Journal of Multidisciplinary Research (FJMR) Utsaha: Journal of Entrepreneurship Jurnal Teknologi dan Manajemen Industri Terapan Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal AGRISEP: Kajian Masalah Sosial Ekonomi Pertanian dan Agribisnis Majapahit Journal of Islamic Finance dan Management Baileo: Jurnal Sosial Humaniora Majapahit Journal of Islamic Finance dan Management West Science Agro AGRARIS: Journal of Agribusiness and Rural Development Research Journal of Environmental and Development Studies Indonesian Journal of Forestry Research Proceedings of The International Conference on Computer Science, Engineering, Social Sciences, and Multidisciplinary Studies Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
Wibowo, Rulianda P.
Program Studi Agribisnis, Fakultas Pertanian, Universitas Sumatera Utara
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ANALISIS PREFERENSI NASABAH DALAM UPAYA PENINGKATAN CASA (CURRENT ACCOUNT SAVING ACCOUNT) PADA PT BANK CENTRAL ASIA, Tbk. KOTA MEDAN Silsilya Lee; Nazaruddin; Purnomo Wibowo, Rulianda
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 2026 Public
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.61807

Abstract

This study was conducted at PT Bank Central Asia, Tbk., Medan City, to analyze customer preferences in selecting savings or current account products (CASA). The study is motivated by the strategic importance of increasing CASA as part of BCA’s sustainable funding agenda to support credit expansion and maintain healthy asset growth. Nonetheless, the achievement of the CASA volume target at PT Bank Central Asia, Tbk., Medan City declined in 2024, with actual performance reaching only 53.94% of the established target. This gap between the target and the realization of low-cost fund mobilization underscores the need to identify the product attributes most strongly considered by customers in deposit placement decisions. Conjoint analysis was employed to examine how respondents make choices based on combinations of multiple product attributes. The research variables comprised interest rates, administrative fees, service quality, transaction security, and ease of digital access. Respondents’ preference data were analyzed to derive the relative importance of each attribute and to determine the dominant factors shaping customer selection of CASA products. The findings indicate that administrative fees (26.908%) and interest rates (26.564%) have the highest relative importance among the evaluated attributes. This suggests that customers prioritize cost considerations and financial benefits when choosing savings or current account products. Accordingly, CASA growth strategies should place greater emphasis on managing the administrative fee structure and enhancing the competitiveness of interest rates, while strengthening ease of digital access, service quality, and transaction security as supporting factors to improve customer preference and loyalty.
ARSITEKTUR SISTEM INFORMASI BERBASIS KECERDASAN BUATAN UNTUK EFISIENSI PELAPORAN ANGGARAN: PENGEMBANGAN MODEL APLIKASI SIAPGAR PADA INSTITUSI MILITER X Sonny Nova Andri; Rulianda Purnomo Wibowo; Meilita Tryana Sembiring
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 3 (2026): June 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i3.6551

Abstract

Abstract: The conventional and manual personnel budget execution reporting (Laplakgar) architecture in public defense management is highly susceptible to prolonged processing cycles and recurring data reconciliation anomalies. This study aims to develop, model, and technically articulate an Artificial Intelligence (AI)-driven integrated information system architecture—conceptualized as the SIAPGAR application model—to automate hierarchical data aggregation and enforce real-time, layered data verification at Military Institution X. A Research and Development (R&D) methodology utilizing a system prototyping approach was applied in this study. The system's logical and data boundaries were systematically mapped through structural Data Flow Diagrams (DFDs) at the Context Level (Level 0) and Functional Level (Level 1). Structural success parameters and data integrity were evaluated based on the System Quality and Information Quality dimensions derived from the DeLone and McLean Information Systems Success Model, and validated through technical expert judgment involving database administrators and financial software operators. The architectural engineering of the SIAPGAR model successfully automates three error-prone manual data processing bottlenecks. The functional DFD model demonstrates that the integrated AI validation layer operates as an automated gatekeeper, systematically identifying data variances between allocated budgets and actual personnel expenditures before cross-level aggregation occurs. This automated algorithmic intervention results in a projected 129% increase in workflow efficiency and effectively reduces human-caused data discrepancies to near zero. This study presents an empirical blueprint for an AI-integrated public finance system architecture. The development of SIAPGAR demonstrates that automated operational verification at the lower level successfully feeds accurate data into a real-time analytical dashboard essential for strategic defense decision-making. Keywords: Information systems, Data Flow Diagrams, Artificial Intelligence, SIAPGAR, Budget Execution.   Abstrak: Arsitektur pelaporan pelaksanaan anggaran (Laplakgar) personel yang konvensional dan manual dalam manajemen pertahanan publik sangat rentan terhadap siklus pemrosesan yang berkepanjangan dan anomali rekonsiliasi data yang berulang. Studi ini bertujuan untuk mengembangkan, memodelkan, dan mengartikulasikan secara teknis arsitektur sistem informasi terintegrasi yang digerakkan oleh Kecerdasan Buatan (AI)—dikonseptualisasikan sebagai model aplikasi SIAPGAR—untuk mengotomatisasi agregasi data hierarkis dan menegakkan verifikasi data berlapis secara real-time di Institusi Militer X. Metodologi Research and Development (R&D) yang memanfaatkan pendekatan prototyping sistem diterapkan dalam penelitian ini. Batasan logis dan data sistem dipetakan secara sistematis melalui Data Flow Diagram (DFD) struktural pada Tingkat Konteks (Level 0) dan Tingkat Fungsional (Level 1). Parameter keberhasilan struktural dan integritas data dievaluasi berdasarkan dimensi Kualitas Sistem dan Kualitas Informasi yang diturunkan dari DeLone and McLean Information Systems Success Model, serta divalidasi melalui penilaian ahli (expert judgment) teknis yang melibatkan administrator pangkalan data dan operator perangkat lunak keuangan. Rekayasa arsitektur dari model SIAPGAR berhasil mengotomatisasi tiga hambatan pemrosesan data manual yang rentan terhadap kesalahan. Model DFD fungsional mendemonstrasikan bahwa lapisan validasi AI yang terintegrasi beroperasi sebagai penjaga gerbang (gatekeeper) otomatis, secara sistematis mengidentifikasi varians data antara pagu keuangan yang dialokasikan dengan pengeluaran personel aktual sebelum agregasi lintas tingkat terjadi. Intervensi algoritmik otomatis ini menghasilkan proyeksi peningkatan efisiensi alur kerja sebesar 129% dan secara efektif menekan perbedaan data akibat faktor manusia hingga mendekati nol. Studi ini menyajikan cetak biru empiris untuk arsitektur sistem keuangan publik yang diintegrasikan dengan AI. Pengembangan SIAPGAR membuktikan bahwa verifikasi operasional otomatis pada tingkat bawah berhasil memasok data yang akurat ke dalam dasbor analitik real-time yang esensial untuk pengambilan keputusan pertahanan yang strategis. Kata Kunci: Sistem informasi, Data Flow Diagram, Kecerdasan Buatan, SIAPGAR, Pelaksanaan anggaran.
Transformasi Digital Dan Reformasi Birokrasi Dalam Sistem Penganggaran Sektor Publik: Studi Kasus Pada Institusi Militer X Sonny Nova Andri; Rulianda Purnomo Wibowo; Meilita Tryana Sembiring
Jurnal Minfo Polgan Vol. 15 No. 2 (2026): Artikel Penelitian
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/jmp.v15i2.16297

Abstract

Pelaporan anggaran personel di organisasi militer kerap terhambat oleh proses manual yang terfragmentasi, memicu keterlambatan, risiko kesalahan manusia, dan keterbatasan visibilitas manajerial. Studi ini bertujuan mengeksplorasi kondisi inefisiensi penganggaran saat ini dan merancang kerangka transformasi digital untuk meningkatkan efisiensi, akurasi, serta akuntabilitas pelaporan anggaran personel di Institusi Militer X. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kasus deskriptif. Data primer dihasilkan melalui diskusi kelompok (Focus Group Discussion) dan wawancara semi-terstruktur terhadap 10 operator dan pengawas bidang anggaran personel yang dipilih secara sengaja (purposive sampling). Triangulasi data dicapai melalui pengamatan langsung terhadap alur kerja pelaporan dan analisis dokumen yang cermat terhadap Prosedur Operasi Standar (SOP) internal. Analisis tematik diterapkan untuk memetakan alur kerja "As-Is" (kondisi saat ini) dan merumuskan model "To-Be" (kondisi ideal). Temuan: Hasil penelitian mengungkapkan bahwa proses pelaporan manual saat ini memakan waktu lebih dari lima hari per siklus. Kesalahan entri data yang krusial terjadi 3 hingga 5 kali per bulan akibat luasnya rentang kendali yang mengelola 13 Satuan Kerja dan 45 Sub Satuan Kerja. Model solusi digital terintegrasi yang diusulkan memproyeksikan peningkatan efisiensi proses sebesar 129% dengan mengotomatisasi agregasi data dan memungkinkan deteksi anomali secara real-time. Studi ini berkontribusi pada literatur New Public Management (NPM) dengan menawarkan kerangka kerja operasional yang praktis untuk transformasi digital di sektor militer dan publik. Studi ini memberikan landasan empiris bagi pembuat kebijakan publik untuk memodernisasi manajemen sumber daya di lingkungan yang sangat hierarkis dan sensitif terhadap keamanan.
Co-Authors Abdilah Ragilia M Agustina Agustina Andri Suryadi Prasetya Angga Satria Annisa Adawiyah Ar Raihan Suti Nasution Ardiansyah Toy, Jefry Atika Hidayati Batubara, Mhd. Zulfadli Beby Karina Fawzeea Sembiring Binaria Sinaga Christine Caroline Pangaribuan Christy Ardelia Tarigan David Dior J Lubis Dedy Widarta Diah Ramadhani Sigalingging Dian Pebriyani Dian Pebriyani Diana Chalil Doli Muhammad Jafar Dalimunthe Dwi Rachmina Elfira Rahmadani Elisabet Siahaan Emalisa Emalisa Emalisa Emalisa Endang Rizkinawaty Sembiring Endang Sulistya Rini Faiz Andito Fery Putra Alam Bara Munthe Feryanto Fitri Auditya Utami Galih Ari Wirawan Siregar Habibulah Hakim, Tharmizi Hanna Widya Queentana Harsanto, Willy Aria Hasman Hasyim Hasugian, Hardy Hayatunnufus Hayatunnufus Henny Crosita Limbong Herawati Herfita Rizki Hasanah Gurning Ibnu Afdillah Lubis Ikhsan Siregar Ilma, Fitri Inomo Pratama Intan Mulia Intan, Seli Venny Irawan, Muhammad Ari Isfenti Sadalia isfenti sadalia Isfenti Sadalia Iskandarini Joiverdia Arifiyanto Kellin Tarigan Kesuma, Sinar I Indra Laurensius Parsaulian Sitinjak Lindawati Lindawati Lovina Ginting Lusi Laura Pasaribu Mahatir Muhammad Mahdi Maimuddin Noor Malau, Leo Rio Ependi Meilita Tryana Sembiring, Meilita Tryana Meutia, Anna Muhammad Jufri Muhammad Khaliqi Muhammad Khaliqi N. Nazaruddin Nadhila Rasyad Siregar Natalie Jessica Regina Surbakti Nazaruddin Nazaruddin M Negara, Lubis Satia Nurbaty, Lubis Arlina Prihatin Lumbanraja Qaedina Tio Athira R. B. Moh. Ibrahim Fatoni R. Rambe, Khoiru Rabbani, Ali Rahmanta Rahmanta Ginting Rahmanta Rahmanta, Rahmanta Raimon J R Hutauruk Riantri Barus Rini, Endang Sulystia Rohni A Damanik Ronald Sibuea Rosadi, Arief Fareza Safrizal Safrizal Salmiah Salmiah Sari Br Surbakti, Dian Permata Satia Negara Lubis Satia Negara Lubis Satia Negara Lubis Sepri Ginting Silsilya Lee Silvia Febrina Lubis Simanjuntak, Chrismasya Rosiana Tamara Sinar Indra Kesuma Sinar Indra Kesuma Sinulingga, Emerson Pascawira Siregar, Qurratu Ayuni Siti Khadijah Nasution Siti Nur Arafah Sonny Nova Andri Sri Fajar Ayu Sugih Arto Pujangkoro Sugih Harto Pujangkoro Surbakti, Natalie Jessica Regina Suri, Tasha Ningtyas Surya Sevi Wijayanna Tobing Syafrizal Helmi Situmorang Syahfitri, Khofifah Dwi Tanti Novianti Tavi Supriana Tavi Supriana Tavi Supriana Thomson Emalisa Sebayang Titien Indrawati Wahyu Ario Pratomo Wirda Zahra Siregar Yaya Hasanah yeni absah Yessi Claudia Sianipar Yusak Maryunianta Zednita Azriani