Alivia Meyrizka Utami
Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

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Solutions to money laundering prevention through Regulatory Technology (RegTech): Evidence from Islamic and conventional banks Alivia Meyrizka Utami; Mega Dwi Septivani
Jurnal Ekonomi & Keuangan Islam Volume 8 No. 1, January 2022
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jeki.vol8.iss1.art2

Abstract

Purpose – This study aims to examine the effect of the relationship between RegTech and Money Laundering Prevention (MLP). This study also examines the differences between RegTech in Islamic and conventional banks.Methodology – The current study used explanatory research to test hypotheses using primary data obtained through a survey with a questionnaire conducted online with 100 respondents from bank employees, both conventional and Islamic in Indonesia. In addition, an independent t-test was used.Findings – The results reveal that Transaction Monitoring (TM) and Cost and Time (CT) significantly affect MLP, while electronic Know Your Customer (eKYC) does not affect MLP. The comparative test of the differences in RegTech in Islamic and conventional banks confirm differences in transaction monitoring and cost efficiency between Islamic and conventional banks. At the same time, there is no difference in eKYC between Islamic and conventional banks.Originality – Research related to RegTech in Islamic and conventional banks' money laundering prevention efforts is still very limited in Indonesia. This study will contribute to the existing literature on Islamic finance and the development of financial technology in Indonesia.
Regulatory Technology (RegTech): The Solution to Prevent Money Laundering in Indonesia Alivia Meyrizka Utami; Mega Dwi Septivani
Telaah Bisnis Vol 23, No 1 (2022): July 2022
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/tb.v23i1.288

Abstract

Since the 2008 financial crisis, the complexity of regulations and the use of technology and innovation in the financial sector have increased. This makes banks as financial institutions starting to adapt to financial technology very vulnerable to technological risks, one of which is money laundering. Regulatory Technology (RegTech) is a technology trend to assist bank management in supporting regulatory compliance efforts and offering money laundering prevention solutions. Based on this, this study aims to examine the relationship of RegTech, which is represented by three independent variables: Electronic Know Your Customer (e-KYC), Transaction Monitoring, and Time and Cost Efficiency, on Money Laundering Prevention. This study shows that transaction monitoring, as well as cost and time efficiency, have a significant effect on money laundering prevention. In contrast, e-KYC does not affect money laundering prevention. This research is intended to provide valuable insights to Financial Institutions to increase awareness of the importance of adopting new technologies and maintaining good relations with regulators to prevent money laundering in Indonesia.
The Influence of Hook Copywriting and Social Media Content Toward Brand Awareness, Brand Image, and Purchase Decisions in MSMEs in Sleman District Desta Rahayu; Lavendi Kurnia Utama; Abadila Rakha Muqaddimah; Dania Ayuni; Alivia Meyrizka Utami
Telaah Bisnis Vol 25, No 1 (2024): July 2024
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/tb.v25i1.504

Abstract

The use of digital marketing creates marketing competition among MSME players. MSME players need to apply effective marketing techniques to win competition between business actors. MSME players who master copywriting techniques and attractive social media content will make the public aware of the existence of a product or brand, resulting in purchasing decisions. The research method used by researchers is a mix method, namely an approach to analyzing problems quantitatively and qualitatively. The results of this research show that copywriting hooks have no effect on brand awareness, but copywriting hooks have a significant positive effect on brand image and purchasing decisions. Instagram social media content has a significant positive effect on brand awareness, brand image and purchasing decisions. This shows that hook copywriting and social media content on the Instagram platform have an important role in marketing activities with the aim of improving consumer decision making regarding the products being marketed.
Pengaruh Kualitas Layanan dan Kepuasan Pelanggan terhadap Loyalitas Pelanggan pada Badan Penyelenggaraan Jaminan Sosial Ketenagakerjaan Gunungkidul Pangesti, Ervina Ninda; Resmi, Siti; Utami, Alivia Meyrizka
Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa Vol 5, No 1 (2024): April
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/cb.v5i1.481

Abstract

This research aims to examine the influence of service quality and customer satisfaction on customer loyalty of the Employment Social Security Administration (BPJS) in the Gunungkidul area. Apart from that, this research also examines how customer satisfaction is an intervening variable in the relationship between service quality and customer loyalty. The research sample was collected from 120 respondents who were BPJS Employment Gunungkidul participants who received services in the last 3 months (August-October 2023). Research testing uses regression with the Process Macro v4.3 bootstrapping method. The results are that service quality has a positive effect on customer loyalty and satisfaction, customer satisfaction also has a positive effect on customer loyalty, but customer satisfaction does not mediate the relationship between service quality and customer satisfaction. These results show how service quality and customer satisfaction can increase BPJS Employment customer loyalty. The research contributes to providing empirical evidence to be used as a reference for further research regarding service quality, customer satisfaction and customer loyalty and is expected to provide input, changes and improvements to the company as consideration in making decisions.
Financial Management of Yogyakarta Students: The Role of Locus of Control, Love of Money, and Financial Inclusion Kumalasari, Anika; Resmi, Siti; Utami, Alivia Meyrizka
JURNAL ILMU MANAJEMEN Vol. 22 No. 1 (2025): JUNE 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i1.81434

Abstract

Financial behavior has always been an interesting topic, especially student financial management. This study examines the role of locus of control, love of money, and financial inclusion variables on financial management carried out by students in Yogyakarta. Data were collected from online questionnaires completed by 120 respondents who met the research criteria. The multiple linear regression analysis results showed that Love of Money and Financial Inclusion positively affected financial management. This shows that Yogyakarta students have an interest in money, and easy access to financial services makes their financial management better. However, Locus of Control did not show a significant effect on financial management. These results indicate that confidence in the results obtained, depending on individual behavior, has not affected students' financial management in Yogyakarta. This study only involved students from several universities in Yogyakarta, so it is impossible to generalize to all students in Yogyakarta. Furthermore, the characteristics of students who are respondents to the study, such as majors, year of enrollment, socio-economic background, and others, can also affect the results of the study. Therefore, this study is expected to add new insights to research related to management behavior.
Financial Management of Yogyakarta Students: The Role of Locus of Control, Love of Money, and Financial Inclusion Kumalasari, Anika; Resmi, Siti; Utami, Alivia Meyrizka
JURNAL ILMU MANAJEMEN Vol. 22 No. 1 (2025): JUNE 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i1.81434

Abstract

Financial behavior has always been an interesting topic, especially student financial management. This study examines the role of locus of control, love of money, and financial inclusion variables on financial management carried out by students in Yogyakarta. Data were collected from online questionnaires completed by 120 respondents who met the research criteria. The multiple linear regression analysis results showed that Love of Money and Financial Inclusion positively affected financial management. This shows that Yogyakarta students have an interest in money, and easy access to financial services makes their financial management better. However, Locus of Control did not show a significant effect on financial management. These results indicate that confidence in the results obtained, depending on individual behavior, has not affected students' financial management in Yogyakarta. This study only involved students from several universities in Yogyakarta, so it is impossible to generalize to all students in Yogyakarta. Furthermore, the characteristics of students who are respondents to the study, such as majors, year of enrollment, socio-economic background, and others, can also affect the results of the study. Therefore, this study is expected to add new insights to research related to management behavior.
Dampak Pemasaran Digital pada Keputusan Pembelian: Analisis Peran Celebrity Endorser, Content Marketing, dan Online Customer Review di TikTok Shop: Indonesia Marta Sugiyanto, Elvina Adelia; Resmi, Siti; Utami, Alivia Meyrizka
Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa Vol. 6 No. 2 (2025): Oktober
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Seberapa besar pengaruh celebrity endorser, content marketing, dan online customer review dalam mendorong konsumen membeli produk fashion di TikTok Shop? Penelitian ini menjawab pertanyaan tersebut dengan menganalisis data primer dari 110 responden yang dikumpulkan melalui kuesioner. Menggunakan analisis regresi linear berganda (IBM SPSS Statistic 25), hasil studi menunjukkan bahwa ketiga variabel tersebut tidak hanya memiliki hubungan yang positif, tetapi juga signifikan terhadap keputusan pembelian. Temuan ini penting bagi para pelaku bisnis fashion yang ingin mengoptimalkan strategi pemasaran mereka di TikTok Shop, menunjukkan bahwa kombinasi dari dukungan selebritas, konten yang menarik, dan ulasan positif dapat menjadi kunci keberhasilan.