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Arissetyanto Nugroho

Universitas Pancasila

Author-ID : 333162

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Perilaku Kerja Inovatif Terhadap Kinerja Pemasaran Melalui Customer Relationship Manajemen Sebagai Variabel Intervening pada Bank BNI Wilayah 14 Ivan Rivai; Arissetyanto Nugroho; Lola Fitriasari
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i1.10794

This study aims to determine the influence of innovative work behavior on marketing performance through Customer Relationship Management (CRM) as an intervening variable. The data analysis methods used in this research are descriptive analysis and quantitative analysis methods. The population in this study consists of 1,217 permanent employees of Bank BNI Region 14. Purposive sampling was chosen as the sampling technique. The sample used in this study consists of 290 respondents, determined using the formula by Krejcie and Morgan (1970). Data was collected through questionnaires distributed via Google Forms to the respondents. The test results show that innovative work behavior has a significant influence on Customer Relationship Management (CRM) with a significance value of 0.000. Additionally, Customer Relationship Management (CRM) significantly affects marketing performance with a significance value of 0.000. Based on the indirect effect test, it is shown that innovative work behavior influences marketing performance through the intervention of Customer Relationship Management (CRM) with a significance value of 0.000.

Pengaruh Orientasi Kewirausahaan dan Pasar terhadap Keunggulan Bersaing dalam Meningkatkan Penjualan pada Usaha Minimarket di Wilayah Cibinong Nugraha, Widiyanto; Nugroho, Arissetyanto
Jurnal EMT KITA Vol 10 No 4 (2026): OCTOBER 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i4.6896

The increasingly intense business competition resulting from the implementation of the ASEAN Economic Community (AEC) requires micro-business actors, particularly independent minimarkets in the Cibinong area, to build sustainable competitive advantages in order to maintain and improve their sales performance. This study aims to analyze the influence of entrepreneurial orientation and market orientation on competitive advantage and its impact on sales improvement in minimarket businesses in the Cibinong area. This research employs a quantitative approach with data collection conducted through the distribution of questionnaires based on a Likert scale of 1–5 to 110 respondents consisting of owners and managers of minimarket businesses in the Cibinong area. Sample determination was carried out using the Slovin formula with a margin of error of 10%, while data analysis was performed using path analysis technique with the assistance of SPSS software version 22.0. The results of the study indicate that entrepreneurial orientation has a positive and significant effect on competitive advantage, market orientation has a positive and significant effect on competitive advantage, and competitive advantage has a positive and significant effect on sales improvement. These findings imply that strengthening entrepreneurial orientation through innovation and risk-taking, as well as enhancing market orientation through sensitivity to consumer needs and competitive dynamics, constitute effective strategies for building competitive advantage that ultimately drives sustainable sales growth in minimarket businesses.

Enhancing Financial Literacy, Digital Literacy, and Technology-Based Career Readiness among Students of SMK Perintis 1 Depok, West Java Darmansyah Darmansyah; Hotman Fredy; Arissetyanto Nugroho; Irvandi Gustari; Ahmad Ramdani Salim; Winda Wulandari; Retna Sari; Wieldy Menanda
El-Mujtama: Jurnal Pengabdian Masyarakat Vol. 6 No. 3 (2026): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v6i3.11976

Digital transformation has shifted the competency paradigm required by vocational education graduates. Vocational High School (SMK) students currently face a triple challenge: financial management amidst the rise of fintech, ethical use of technology, and digitalized career competition. This community service activity aims to enhance the understanding and skills of SMK Perintis 1 Depok students through an integrated educational intervention. The method employed is an educational-participatory approach through seminars, practical training, and simulations involving 100 students. The effectiveness evaluation was conducted using a Paired Sample T-Test analysis on pre-test and post-test scores. Results showed significant improvements: financial literacy (58 to 82), digital literacy (61 to 85), and career readiness (55 to 84). A p-value < 0.05 proves the real impact of the intervention. The discussion highlights that the synergy between digital and financial literacy serves as a foundation for student resilience in facing economic uncertainty in the digital economy era.

The Integration of Fintech and Artificial Intelligence: Accelerating Accountability and Financial Inclusion in National Financial Governance Darmansyah Darmansyah; Arissetyanto Nugroho; Zulkifli Zulkifli; Winda Wulandari; Retna Sari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11933

This study investigates the role of Financial Technology (Fintech) and Artificial Intelligence (AI) in strengthening financial governance accountability and improving national financial inclusion. While prior studies have largely examined fintech and AI separately, this research develops an integrated model that positions accountability as a key mediating mechanism linking technological integration to broader financial inclusion outcomes. Using a quantitative explanatory design, data were collected through a digital survey involving 300 respondents consisting of public sector stakeholders, fintech actors, and users of digital financial services. The data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results reveal that fintech integration positively and significantly affects accountability and financial inclusion. Likewise, AI implementation significantly improves accountability and financial inclusion. Accountability also exerts a strong positive effect on financial inclusion. Mediation analysis shows that accountability partially mediates the effects of fintech and AI on financial inclusion. These findings suggest that the integration of fintech and AI contributes not only to operational efficiency but also to the improvement of governance quality and the expansion of inclusive financial access. The study contributes to the literature by proposing an integrative fintech, AI, accountability, financial inclusion framework in the context of a developing economy and offers evidence-based implications for policymakers and financial regulators.

The Morality of Flexing: An Analysis of Unethical Recruitment Strategies in Digital Gig Economy from Religious Perspective Elisabet Halida Wahyarsi; Arissetyanto Nugroho; Seta A Wicaksana
International Journal of Social Science and Religion (IJSSR) 2026: Volume 7 Issue 1
Publisher : Indonesian Academy of Social and Religious Research (IASRR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53639/ijssr.v7i1.394

The rapid growth of the digital gig economy has given rise to a new and controversial profession: Binary Option platform affiliates, who frequently employ the "flexing" marketing strategy (excessive displays of wealth) to attract customers. This phenomenon has become a serious problem in Human Resource Management (HRM) due to the use of psychological manipulation and dishonest information in the recruitment process for new users or partners. This activity often traps customers in a speculative and illegal system, substantially resembling online gambling. This study aims to analyze the morality of flexing-based recruitment strategies through the lens of HRM ethics and interfaith perspectives, particularly Islam and Christianity, to examine the social and spiritual impacts of this digital economic malpractice. This study uses qualitative methods with a descriptive and comparative approach between positive law and religious norms in Indonesia and Singapore. The analysis examines affiliate marketing practices and religious texts relevant to the ethics of earning a living and honesty. Flexing is an unethical recruitment strategy because it violates the principles of transparency and professional integrity, where commissions are derived from the losses of others (loss-sharing). This practice is identified as a form of Riya (showing off) and support for Maysir (gambling) and Gharar (uncertainty/fraud), which are strictly prohibited in Islamic economic law because they harm others for personal gain. From a Christian perspective, this strategy contradicts the principle of honesty towards others and the warning about the "Love of Money" as the root of evil, and ignores the value of humility and moral responsibility in managing God's blessings. The difference in policy in Indonesia, which prohibits Binary Options as gambling, compared to Singapore, which strictly regulates it, shows how religious morality values influence public policy. The study concludes that flexing in the digital gig economy is not just a social trend, but a crisis of recruitment morality. The integration of Islamic and Christian values can provide a strong ethical foundation to strengthen digital HR regulations and protect society from fraud-based economic exploitation.

Co-Authors Adah, Eva Fathussya Ahmad Ramdani Salim Budiono, Herlina C. Catur Widayati DARMANSYAH . Darmansyah Darmansyah Darmasyah, Darmansyah Derriawan Derriawan, Derriawan Dewi Sumantri, Ratih Elisabet Halida Wahyarsi Elyssa Nurulita Erna Sofriana Imaningsih Erwandy Erwandy Harnovinsah Harnovinsah Harun, Tabby Wihasari Harun, Tabby Wihasari Hotman Fredy Immawati, Siti Asriah IRVANDI GUSTARI Ivan Rivai Janfry Sihite Lola Fitriasari Lutfiyah, Konita Mafriningsianti, Evi Moch. Mukti Ali Molissa Dwi Zane Mukti Ali, Moch. Mulia Rahmah Nugraha, Widiyanto Parwoto Prakoso, Sugih Ramadhan, Syahril Ratih Dewi Sumantri Ratna Yuwita, Ela Retna Sari Rianto, Toha Ririn Wulandari Seta A Wicaksana Setiyo Budiyanto Sudarma, Ade Tabby Wihasari Harun Tatik Nur Khayati Wieldy Menanda Winda Wulandari Wiyanto, Hendra Wulandari, Rosanna Yuli Harwani Zulkifli Zulkifli Zulkifli

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