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All Journal Journal of Economic, Bussines and Accounting (COSTING) JURNAL ILMIAH AKUNTANSI UNIVERSITAS PAMULANG JOURNAL OF SCIENCE AND SOCIAL RESEARCH Aptisi Transactions on Technopreneurship (ATT) Jurnal Ilmiah Ekonomi Global Masa Kini Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) International Journal of Science and Society (IJSOC) Journal Of World Science Jurnal Ekonomika Dan Bisnis Management Research Studies Journal QISTINA: Jurnal Multidisiplin Indonesia Jurnal Pendidikan Indonesia (Japendi) Applied Business and Administration Journal (ABAJ) Jurnal Informatika dan Bisnis Impression : Jurnal Teknologi dan Informasi
Sendjaja, Theodorus
Fakultas Ekonomi Dan Bisnis, Institut Keuangan Perbankan Dan Informatika Asia Perbanas Jl. Perbanas, Karet Kuningan, Setiabudi, Jakarta 12940
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Beyond Branches: How Fintech and Sustainable Innovation are Reshaping The Banking Landscape in Indonesia Sendjaja, Theodorus; Rachbini, Didik J.; Astini, Rina; Asih, Daru
Applied Business and Administration Journal Vol. 3 No. 03 (2024): ABAJ Vo.3 No.3
Publisher : Ebiz Prima Nusa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62201/abaj.v3i03.184

Abstract

This research underscores the critical role of innovation and sustainability in the financial services industry as businesses strive to remain competitive. It sheds light on the widespread closure of bank branches on a global scale, emphasizing the delicate balance required between embracing digital advancements and maintaining a physical presence to ensure competitiveness and meet evolving consumer needs. The Systematic Literature Review focuses on two primary areas—sustainable digital technology innovation in Fintech and banks' digital transformation—and compiles theoretical references pertinent to sustainable innovation in financial institutions. The evolution of technology influences digital business models, and the aim is to implement digital service-oriented policies to ensure long-term business sustainability. Fintech has the potential to change the business and economic landscape fundamentally. The advantages of fintech are as follows: innovative, faster, flexible, interactive, diverse applications, disruptive thinking, and design thinking. The suggested digital transformation approach for the Bank's ongoing innovation: making digital a key value in business, customer-centricity, openness principles, and regulatory compliance.Keywords: Bank, Digital Transformation, Fintech, Innovation, Sustainability
Implementation Of Good Corporate Governance (GCG) In Palm Oil Plantation Companies In Indonesia (Literature Review) Akbar, Ayip Ridwan; Sendjaja, Theodorus; Yanuar Arifin, Asep; Kusuma, Athalia
Jurnal Ilmiah Ekonomi Global Masa Kini Vol. 15 No. 2 (2024): Vol 15, No 2
Publisher : Universitas Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jiegmk.v15i2.4784

Abstract

Palm oil plantations are one of the important sectors in the Indonesian economy that remained strong during the global financial crisis and contributed greatly to the country's foreign exchange. The world's largest exporters of palm oil are Indonesia and Malaysia with the largest contributions of 26.60 million tons and 15.40 million tons respectively in 2022. Companies are trying to improve the implementation of Good Corporate Governance (GCG) to comply with regulations and improve the quality of management in a sustainable manner. The purpose of this study is to review the literature on the implementation of GCG in palm oil plantation companies, its impact on company performance, and obstacles in its implementation, using a qualitative literature study method. The results of the study indicate that the implementation of GCG in companies such as PT Bumitama Gunajaya Agro, PT. PP. London Sumatera Indonesia Tbk, and PT Agro Sinergi Nusantara has succeeded in meeting the principles of GCG and increasing Return on Assets (ROA). However, there are obstacles such as lack of management commitment, limited resources, unsupportive corporate culture, and external pressures and conflicts of interest. By overcoming these obstacles, it is hoped that companies in the palm oil plantation sub-sector can be more effective in implementing GCG, thereby improving their financial performance and business sustainability.
ANALISIS PELAKSANAAN PEMERIKSAAN PAJAK DALAM MENINGKATKAN KEPATUHAN WAJIB PAJAK BADAN DI KANTOR PELAYANAN PAJAK PRATAMA SENEN Yusuf Dewang, Eko Sudarmanto; Sendjaja, Theodorus
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.v7i6.13803

Abstract

Tujuan dari penelitian ini adalah untuk menilai pelaksanaan audit pajak dalam meningkatkan kepatuhan Wajib Pajak Badan di Kantor Pelayanan Pajak Senen Pratama. Penelitian ini berfokus pada audit pajak yang dilakukan di Kantor Pelayanan Pajak Senen Pratama (KPP), sebuah unit DJP yang bertanggung jawab untuk melayani dan mengawasi Wajib Pajak di wilayah kerjanya. Penelitian ini menggunakan pendekatan kualitatif deskriptif. Data dikumpulkan dengan menggunakan tiga metode utama: observasi, wawancara terstruktur, dan dokumentasi. Hasil penelitian menunjukkan bahwa Wajib Pajak yang telah menjalani audit pajak menunjukkan tingkat kepatuhan yang lebih tinggi dibandingkan dengan yang belum diaudit. Hal ini tercermin dalam peningkatan signifikan tingkat kepatuhan Wajib Pajak Badan di Kantor Pelayanan Pajak Senen Pratama Jakarta, terutama pada tahun 2023, di mana tingkat kepatuhan mencapai 100%.
Kemudahan, Risiko dan Pengawasan OJK Pada P2P Lending di Indonesia Maulina, Alya; Sendjaja, Theodorus
QISTINA: Jurnal Multidisiplin Indonesia Vol 4, No 1 (2025): June 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/qistina.v4i1.6133

Abstract

Kemajuan teknologi informasi dan komunikasi telah memunculkan inovasi dalam sektor keuangan, salah satunya berupa Financial Technology (Fintech). Salah satu bentuk Fintech yang berkembang pesat adalah Peer-to-Peer (P2P) Lending, yakni layanan peminjaman uang berbasis digital yang mempertemukan langsung pihak pemberi pinjaman (lender) dengan penerima pinjaman (borrower). Metodologi yang digunakan berupa pendekatan deskriptif kualitatif dengan analisis data sekunder dari laporan OJK, AFPI, jurnal, dan regulasi. Perkembangan teknologi keuangan di Indonesia telah mendorong pertumbuhan layanan peer-to-peer lending (P2PL) sebagai alternatif pembiayaan yang memberikan perencanaan kemudahan ruang, proses digital yang cepat, serta peluang investasi dengan imbal hasil menarik. Namun di balik berbagai kemudahan tersebut, P2PL juga menyimpan sejumlah risiko, seperti gagal bayar, penipuan data, dan penyalahgunaan informasi pribadi. Tingkat literasi keuangan yang masih rendah kian memperbesar potensi kerugian, baik bagi peminjam maupun pemberi pinjaman. Oleh karena itu, keberadaan Otoritas Jasa Keuangan (OJK) sebagai lembaga pengawas menjadi sangat krusial dalam menjamin tata kelola yang sehat, transparan, dan bertanggung jawab di sektor kerja ini. Melalui regulasi dan sistem pengawasan yang terus diperkuat, OJK berperan penting dalam menjaga keseimbangan antara perlindungan konsumen dan pertumbuhan sektor fintech yang sehat dan berkelanjutan. Kajian ini bertujuan untuk mengidentifikasi kemudahan yang ditawarkan P2PL, potensi risikonya, serta peran OJK dalam mengawal integritas sistem keuangan digital di Indonesia
Kartu Kredit Pemerintah sebagai Inovasi dalam Sistem Transaksi Keuangan Digital di Sektor Pemerintah Fauziah, Alya Firda; Sendjaja, Theodorus
QISTINA: Jurnal Multidisiplin Indonesia Vol 4, No 1 (2025): June 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/qistina.v4i1.6405

Abstract

Transformasi digital dalam sektor keuangan publik mendorong kebutuhan akan sistem transaksi yang lebih efisien, transparan, dan akuntabel. Artikel ini membahas implementasi Kartu Kredit Pemerintah (KKP) sebagai bentuk inovasi dalam sistem transaksi keuangan digital di sektor pemerintah. KKP bertujuan untuk meningkatkan efektivitas belanja pemerintah dengan mengurangi penggunaan uang tunai dan menyederhanakan proses pembayaran. Studi ini menggunakan pendekatan kualitatif deskriptif dengan analisis terhadap kebijakan, regulasi, serta praktik implementasi di lapangan. Hasil kajian menunjukkan bahwa KKP memberikan berbagai manfaat seperti efisiensi administrasi, pengawasan real-time, dan mitigasi risiko penyimpangan anggaran. Namun, tantangan seperti kesiapan infrastruktur, pemahaman SDM, dan integrasi sistem masih menjadi hambatan utama. Oleh karena itu, diperlukan komitmen lintas sektor dan peningkatan literasi digital untuk mengoptimalkan pemanfaatan KKP sebagai instrumen keuangan digital pemerintah. 
Penggunaan QRIS Sebagai Inovasi Transaksi Digital: Literature Review Ali, Muhammad Fikri; Sendjaja, Theodorus
QISTINA: Jurnal Multidisiplin Indonesia Vol 4, No 1 (2025): June 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/qistina.v4i1.6329

Abstract

Penelitian ini bertujuan untuk mengkaji penggunaan QRIS (Quick Response Code Indonesian Standard) sebagai inovasi dalam transaksi digital melalui studi literatur. Metode yang digunakan adalah tinjauan pustaka terhadap berbagai sumber penelitian terkait penerapan QRIS di Indonesia. Hasil kajian menunjukkan bahwa QRIS memberikan kemudahan, efisiensi, dan keamanan dalam transaksi serta mendukung inklusi keuangan, khususnya bagi para pelaku UMKM. Namun, tantangan seperti literasi digital yang rendah dan keterbatasan infrastruktur masih menjadi kendala dalam implementasinya. Simpulan dari kajian ini adalah bahwa QRIS merupakan langkah strategis dalam transformasi sistem pembayaran digital, namun memerlukan dukungan edukasi dan infrastruktur agar penerapannya lebih optimal di seluruh lapisan masyarakat.
Pengaruh Starlink terhadap Strategi Business Continuity Plan pada Perusahaan Internet Service Provide di Indonesia Mauliyanto, Mauliyanto; Sendjaja, Theodorus
Jurnal Informatika dan Bisnis Vol. 14 No. 1 (2025): Januari - Juni
Publisher : Institut Bisnis dan Informatika Kwik Kian Gie

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46806/jib.v14i1.1404

Abstract

The Business Continuity Plan (BCP) is a vital element in maintaining the operational continuity of Internet Service Providers (ISPs), especially in Indonesia, which faces complex geographical and infrastructural challenges. In this context, the presence of Starlink, a low Earth orbit (LEO) satellite-based internet service provider, presents new opportunities for ISPs to develop more adaptive and resilient BCP strategies in the face of disruptions. This literature study aims to analyze the potential impact of Starlink integration within the BCP framework of Indonesian ISPs, based on a review of various scientific publications, technical reports, and regulatory documents. The study finds that Starlink offers advantages in terms of network recovery speed, coverage of remote areas, and integration flexibility as a backup connectivity solution. However, challenges related to cost, regulations, and cybersecurity must be taken into account in long-term planning. The study recommends a hybrid approach that combines terrestrial infrastructure with satellite connectivity to enhance the effectiveness of BCP for ISPs in Indonesia.
Digitalisasi UMKM Pasca Pandemi: Evaluasi Kontribusi QRIS terhadap Pemulihan Ekonomi Rakyat Rizka, Ismira; Sendjaja, Theodorus
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 5 No. 3 (2025): Mei-Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v5i3.2907

Abstract

The COVID-19 pandemic has had a significant impact on the global economy, including Indonesia. Micro, Small, and Medium Enterprises (MSMEs) as one of the backbones of the national economy face major challenges in maintaining business continuity. Digitalization is one of the strategies that can help MSMEs improve efficiency, productivity, and market access. QRIS (Quick Response Code Indonesian Standard) as a digital payment instrument can play an important role in supporting people's economic recovery after the pandemic. Therefore, it is important to evaluate the contribution of QRIS to the people's economic recovery. This study aims to analyze the impact of using QRIS on ease of transactions, security, and increased income for MSME players. The method used is mixed methods with qualitative and quantitative approaches. Data is collected through literature studies to get a comprehensive picture of the experiences of MSME players before and after using QRIS, as well as quantitative data related to income generation. The results show that QRIS provides significant convenience in the transaction process and maintains a high level of transaction security. However, the increase in MSME income through the use of QRIS cannot be seen directly in the short term and requires time and other supporting factors. In conclusion, QRIS acts as an important innovation in supporting the digitalization of the MSME sector, especially in the aspects of transaction convenience and security, which has the potential to improve overall business performance
Beyond Branches: How Fintech and Sustainable Innovation are Reshaping The Banking Landscape in Indonesia Sendjaja, Theodorus; Rachbini, Didik J; Astini, Rina; Asih, Daru
Applied Business and Administration Journal Vol. 3 No. 3 (2024): Synergizing Innovation and Strategy for Sustainable Business Performance
Publisher : Ebiz Prima Nusa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62201/abaj.v3i03.353

Abstract

This research underscores the critical role of innovation and sustainability in the financial services industry as businesses striveto remain competitive. It sheds light on the widespread closure of bank branches on a global scale, emphasizing the delicate balance required between embracing digital advancements and maintaining a physical presence to ensure competitiveness and meet evolving consumer needs. The Systematic Literature Review focuses on two primary areas—sustainable digital technology innovation in Fintech and banks' digital transformation—and compiles theoretical references pertinent to sustainable innovation in financial institutions. The evolution of technology influences digital business models, and the aim is to implement digital service-oriented policies to ensure long-term business sustainability. Fintech has the potential to change the business and economic landscape fundamentally. The advantages of fintech are as follows: innovative, faster, flexible, interactive, diverse applications, disruptive thinking, and design thinking. The suggested digital transformation approach for the Bank's ongoing innovation: making digital a key value in business, customer-centricity, openness principles, and regulatory compliance.
Pemanfaatan Big Data Penawaran dan Transaksi Properti untuk Prediksi Nilai Tanah dalam Praktik Penilaian Firman, Muhammad; Sendjaja, Theodorus
Impression : Jurnal Teknologi dan Informasi Vol. 4 No. 3 (2025): November 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jti.v4i3.1087

Abstract

Penilaian tanah yang akurat krusial bagi pembangunan ekonomi, tata ruang, dan perpajakan, tetapi metode konvensional kerap terbatas dalam cakupan data, kecepatan, dan akurasi. Penelitian ini menawarkan pendekatan baru dengan mengeksplorasi pemanfaatan big data, khususnya integrasi data penawaran dan transaksi properti, yang dipadukan dengan algoritma machine learning dan analisis spasial. Melalui studi pustaka kualitatif, temuan menunjukkan bahwa pendekatan ini mampu meningkatkan akurasi prediksi, mempercepat proses penilaian, dan mengakomodasi variabel non-tradisional seperti kualitas lingkungan. Namun, tantangan masih muncul terkait kualitas data, fragmentasi, literasi digital, serta ketiadaan regulasi pendukung. Studi ini menegaskan potensi big data sebagai fondasi transformasi digital penilaian tanah di Indonesia, dengan syarat didukung validasi data, regulasi adaptif, dan penguatan kapasitas sumber daya manusia.   Accurate land valuation is essential for economic development, spatial planning, and taxation, yet conventional methods often fall short in terms of data coverage, speed, and precision. This study introduces a novel approach by exploring the integration of big data particularly property listing and transaction records with machine learning algorithms and spatial analysis. Drawing on a qualitative literature review, the findings indicate that this approach can enhance prediction accuracy, accelerate valuation processes, and incorporate non-traditional variables such as environmental quality. Nevertheless, challenges remain regarding data quality, fragmentation, limited digital literacy, and the absence of supportive regulations. The study highlights the potential of big data to serve as a foundation for the digital transformation of land valuation in Indonesia, provided it is supported by data validation, adaptive regulation, and strengthened human resource capacity.  
Co-Authors Akbar, Ayip Ridwan Ali, Muhammad Fikri Ataya, Nadiyah Kharisma Daru Asih Didik J Rachbini Endang Fatmawati Erna Sofriana Imaningsih Fauziah, Alya Firda Herman, Grace Anne Sheila Irwandi Khairani, Nida Kusuma, Athalia Lenny Christina Nawangsari Maulina, Alya Mauliyanto, Mauliyanto Mokoginta, Etita Alfiana Monica Claudia Erlisa Muhammad Firman Nurlisda, Intan Rahayu Prastiawan, Erwan Putra, Andhika Ahmad Putra, I Putu Surya Sentana Rachbini, Didik J. Rina Astini Rizka, Ismira Rosita Kawandari Simanullang, Ridawati Justina Singmin Johanes Lo Veithzal Rivai Zainal Yanuar Arifin, Asep Yunita Suryani Yusuf Dewang, Eko Sudarmanto Zahrani, Syifa Aulia