Article Per Year (5 Year)
p-Index From 2021 - 2026
1.556
P-Index
This Author published in this journals
All Journal Journal of Economic, Bussines and Accounting (COSTING) Owner : Riset dan Jurnal Akuntansi Jurnal Minfo Polgan (JMP) Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Murniyati Murniyati
Universitas Bina Sarana Informatika
Computer Science & IT Economics, Econometrics & Finance Library & Information Science Mathematics Social Sciences

Published : 5 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 5 Documents
Search

 1 
Penerapan Manajemen Risiko pada Tingkat Efisiensi Keuangan di Bank DKI Jakarta Saridawati Saridawati; Murniyati Murniyati; Ratih Hastasari; Suharini Suharini
Owner : Riset dan Jurnal Akuntansi Vol. 5 No. 2 (2021): Article Research Volume 5 Number 2, Agustus 2021
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v5i2.425

Abstract

Efficiency is one measure of bank performance. The efficiency of a bank is influenced by the way management manages risk. Financial services authority regulation number 18 /pojk.03/2016 issued by Bank Indonesia which requires every bank in Indonesia to form a risk management team. Risk management problems in the banking world are related to the losses they experience, and Regional Development Banks are expected to be able to detect maximum losses that may arise in the future. This team is obliged to control various aspects of risk management in each bank and observe the impact of risk management implementation. This study aims to determine the efficiency level of conventional banking at PT Bank Pembangunan Daerah Jawa Tengah and the effect of financing risk, operational risk and liquidity risk on the efficiency level. Efficiency is measured by the method of Operating Expenses from Operating Income. The data used as the object of this research is Bank DKI Jakarta for the 2015-2020 period. The level of influence of the variables X1, X2, X3 on Y on the determinant coefficient (R2) shows the Adjusted R Square number of 0.359 or 35.9% which means that the variation in efficiency level can be explained by financing risk, operational risk and liquidity risk, the remaining 64.1% can be explained from other variables outside, for previous related studies there is no similarity in the influence of independent (x) and dependent (Y) values, because of differences in values ??generated from SPSS processing data. Based on the results of statistical tests and discussion analysis, it is known that financing risk, operational risk, liquidity risk simultaneously have no effect on the level of efficiency and only financing risk has a significant positive effect on the level of efficiency at PT Bank DKI Jakarta.
HYPER-PERSONALIZATION IN MARKETING: REDEFINING CONSUMER EXPECTATIONS IN THE AGE OF BIG DATA Bilgah Bilgah; Suripah Suripah; Murniyati Murniyati; Eka Putri Handayani
Journal of Economic, Bussines and Accounting (COSTING) Vol. 7 No. 6 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.14288

Abstract

This research examines the impact of hyper-personalization and big data usage on consumer expectations and customer engagement within the context of the Spotify platform. Utilizing a quantitative research design, data were collected from 150 students at the Faculty of Economics and Business, Bina Sarana Informatika University, through a structured questionnaire. The analysis employed Smart PLS to evaluate the relationships between the variables, with consumer expectations as the dependent variable, hyper-personalization and big data usage as independent variables, and customer engagement as an intervening variable. The findings reveal that while big data usage significantly enhances customer engagement, its direct influence on consumer expectations is negligible. Conversely, hyper-personalization demonstrates a strong positive effect on both consumer expectations and customer engagement. Furthermore, customer engagement positively impacts consumer expectations, indicating that increased interaction with personalized content elevates user satisfaction. These results suggest that marketers should focus on implementing effective hyper-personalization strategies to optimize consumer experiences and foster brand loyalty in the competitive digital music streaming landscape. This study contributes valuable insights into consumer behavior, emphasizing the essential role of data-driven personalization in shaping user expectations and engagement.
The Future of Central Bank Digital Currencies (CBDCs): Implications for Monetary Policy Suripah Suripah; Finarsih Septria; Afriani Pravitasari; Murniyati Murniyati
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 5 No. 1 (2025): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v5i1.6520

Abstract

This study investigates the implications of Central Bank Digital Currency (CBDC) implementation and fintech adoption on the effectiveness of monetary policy, emphasizing the mediating role of financial system stability and the moderating influence of public trust in central banks. The research addresses a pressing issue in the digital transformation of global finance: whether digital currencies issued by central banks can enhance policy responsiveness in increasingly cashless and decentralized economies. Using an exploratory qualitative method, this study integrates a systematic review of post 2020 academic literature and central bank reports from The Bahamas, Nigeria, and China. A conceptual framework is developed to examine causal relationships among CBDC design, fintech integration, institutional trust, and policy effectiveness. The findings reveal that CBDC impact is highly context dependent; programmable and inclusive designs, such as China’s Digital Yuan, significantly enhance monetary transmission, whereas technical and social barriers, such as in Nigeria, limit policy effectiveness. The Bahamas serves as an intermediate case where offline and identity linked digital currency supports inclusion and moderate policy gains. The analysis confirms that financial stability mediates the relationship between digital innovation and policy outcomes, while public trust either strengthens or diminishes policy reach. This research contributes to the understanding of CBDC as a policy tool by highlighting institutional, technological, and behavioral factors that determine its success. Implications suggest that policymakers must adopt a multidimensional approach that combines digital infrastructure readiness with strong governance and trust building measures.
Optimasi Metode Algoritma C.45 Menggunakan Algoritma Genetika Untuk Penentuan Jenis Benang Pada Konveksi Wisti Dwi Septiani; Indah Puspitorini; Murniyati Murniyati; Diana Novita
Jurnal Minfo Polgan Vol. 12 No. 2 (2023): Artikel Penelitian 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/jmp.v12i2.13363

Abstract

Nilosa Rama Buana adalah sebuah industri di bidang konveksi yang memproduksi produk konveksi baik dari instansi perkantoran, sekolah, perusahaan maupun pribadi. Produk yang dihasilkan seperti kaos sablon, kaos distro, sprei, selimut, pakaian bayi dan anak. Tujuan penelitian ini adalah memprediksi jenis rajutan, gramasi, dan jenis ukuran benang yang sesuai untuk membantu konveksi dalam pembuatan produk sehinggan persiapan produksi menjadi lebih efisien menggunakan algoritma klasifikasi data mining. Metode yang digunakan dalam penelitian ini adalah implementasi Algoritma Genetika optimasi terhadap metode Algoritma C4.5, dilakukan optimasi untuk meningkatkan akurasi metode. Hasil penelitian ini adalah kenaikan nilai akurasi 45,18% dengan pengujian optimasi menggunakan metode Algoritma Genetika, juga dihasilkan pohon keputusan dari metode Decision Tree. Kesimpulan dari penelitian ini adalah metode optimasi Algoritma Genetika dapat membantu meningkatkan kehandalan dan rule yang dihasilkan dari pohon keputusan Algoritma C4.5 dapat dijadikan acuan untuk membantu konveksi dalam penentuan jenis benang pada persiapan produksi.
Penerapan Sistem Informasi Akuntansi Pada Praktek Bidan Mandiri Wiwi Pujianti Menggunakan Software Akuntansi Accurate 5.0 Murniyati Murniyati; Wisti Dwi Septiani; Indah Puspitorini; Diana Novita
Jurnal Minfo Polgan Vol. 13 No. 1 (2024): Artikel Penelitian
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/jmp.v13i1.13806

Abstract

Dalam dunia bisnis, pencatatan keuangan yang akurat dan teratur sangat penting. Hal ini dikarenakan data keuangan yang tepat dan terpercaya dapat memberikan informasi yang berguna untuk pengambilan keputusan bisnis yang tepat. Maka, untuk memudahkan proses pencatatan keuangan tersebut, banyak bisnis yang menggunakan software akuntansi berupa Accurate 5.0. Perusahaan membutuhkan sebuah sistem informasi akuntansi yang dapat menunjang aktivitas bisnisnya. Penerapan sistem informasi akuntansi sangat di perlukan dalam pengolahan transaksi keuangan perusahaan untuk mendapatkan informasi yang tepat dan cepat. Pengolahan data keuangan yang masih menggunakan pencatatan sederhana mulai dari mengumpulkan bukti transaksi, membuat jurnal sampai dengan laporan keuangan menyebabkan pengolahan transaksi keuangan mengalami banyak hambatan, yang menyebabkan proses pengambilan keputusan seringkali terlambat. Metode pengumpulan data yang digunakan antara lain metode wawancara, metode observasi, dan metode studi pustaka. Penerapan sistem informasi akuntansi menggunakan Software akuntansi Accurate 5.0 menjadi solusi untuk mengatasi masalah dalam menyusun laporan keuangan perusahaan. Dan menghasilkan informasi secara tepat, cepat, dan akurat.
Co-Authors Afriani Pravitasari Bilgah Bilgah Diana Novita Eka Putri Handayani Finarsih Septria Herudini Herudini Indah Puspitorini Nurul Rahmah Ratih Hastasari Saridawati Suharini Suharini Suripah . Wara Anindya Wisti Dwi Septiani