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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JIKA: Jurnal Ilmu Keuangan dan Perbankan Jurnal E-Bis: Ekonomi Bisnis Coopetition : Jurnal Ilmiah Manajemen JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) Business Preneur : Jurnal Ilmu Administrasi Bisnis Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Padma: Jurnal Pengabdian Kepada Masyarakat JURNAL ILMIAH INFOKOM Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ekbis (Ekonomi & Bisnis) Jurnal Ekonomi Manajemen Bisnis dan Akuntansi Jurnal Pengabdian Kepada Masyarakat Jurnal Teknologi Komputer dan Informatika Jurnal Sosio dan Humaniora Journal of Business Management and Economic Development JURNAL PENDIDIKAN, HUMANIORA, LINGUISTIK DAN SOSIAL (JAGADDHITA) BHAKTI JIVANA TELPAR
Hani Hatimatunnisani
Politeknik Pajajaran ICB Bandung
Religion Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Nursing Public Health Social Sciences Other

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EKSPEKTASI KARIER MAHASISWA GEN Z DALAM INDUSTRI PERKREDITAN Faujiah, Nabila; Hatimatunnisani, Hani; NurFauziah, Raisya Fadillah; Pintu Batu, Shintya Rosalina; Hermawan, Wawan
Jurnal Sosio dan Humaniora (SOMA) Vol 4 No 1 (2025): JURNAL SOSIO DAN HUMANIORA : SOMA
Publisher : LPPM Politeknik Pajajaran ICB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/soma.v4i1.364

Abstract

Gen Z is a generation that grew up in the digital era, has different views and preferences towards the world of work compared to previous generations. The credit industry, which includes banking, finance companies, and fintech, is a sector that is increasingly growing along with changes in technology and the public's need for more flexible financial services. Through a descriptive quantitative approach. This study also explores the hopes, motivations, and challenges faced by Gen Z students in preparing themselves for a career in this sector. Then the results of this study also show that Gen Z students prioritize aspects of technology, job flexibility, and opportunities for self-development in choosing a career in the credit industry. They also tend to look for companies that have social and sustainable values, and provide insight for companies in the credit industry to adjust their recruitment and employee development policies according to the needs and expectations of this young generation.
TINGKAT PEMAHAMAN MAHASISWA TERHADAP PENGGUNAAN PINJAMAN ONLINE YANG MARAK DI LINGKUNGAN GEN Z Nugraha, Muhamad Arya Nugraha; Hatimatunnisani, Hani; Irianti, N. Anti Nur; Dewi, Yeni Amanda; Haryono, Rakhmat
Jurnal Sosio dan Humaniora (SOMA) Vol 4 No 1 (2025): JURNAL SOSIO DAN HUMANIORA : SOMA
Publisher : LPPM Politeknik Pajajaran ICB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/soma.v4i1.365

Abstract

Online lending services are a form of digital financial innovation that enables users to quickly access funds without the need for collateral. This study aims to explore the extent of students’ understanding regarding the widespread use of online loans among Gen Z. A descriptive approach was employed, utilizing questionnaires and interviews involving 60 students from a private university in Bandung. The increasing trend of online loan usage among students is driven by a consumerist lifestyle, social pressure, and limited awareness of associated risks and interest rates. Poor financial literacy can lead to negative consequences such as debt accumulation, financial stress, and mental health issues. Therefore, more intensive financial education efforts are essential to raise awareness and improve students’ financial literacy regarding the responsible use of online lending platforms.
ANALISIS MINAT REMAJA DALAM MENGGUNAKAN MOBILE BANKING SEBAGAI ALAT TRANSAKSI KEUANGAN Afrizal, Rifa; Gunawan, Alfaz Syihab; Gunawan, Irfan; Hatimatunnisani, Hani
Jurnal Sosio dan Humaniora (SOMA) Vol 4 No 1 (2025): JURNAL SOSIO DAN HUMANIORA : SOMA
Publisher : LPPM Politeknik Pajajaran ICB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/soma.v4i1.369

Abstract

This study aims to analyze the interest of teenagers in utilizing mobile banking as a means of financial transactions in the digital era. The type of research used is quantitative with a descriptive approach, data obtained through a questionnaire to 84 respondents. The results of the study showed a fairy high interest of teenagers in using mobile banking. Knowledge and understanding of the features used are also quite good. Teenagers' interest in utilizing mobile banking as a means of financial transactions is influenced by a number of factors, such as ease of use, benefits, and trust in system security.
Pelatihan Marketing Digital bagi Calon Pekerja Migran Indonesia Menggunakan Dana Bagi Hasil (DBH) Cukai Hasil Tembakau (CHT) Yusuf, Ramayani; Gunardi , Gunardi; Mulya Mantri , Yaya; Caniago , Fauzi; Hatimatunnisani, Hani; Wiyanto , Wiyanto
Komunikasi Vol 1 No 1 (2024): Volume 1 No 1 April 2024
Publisher : Forum Komunikasi Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65055/bhaktijivana.v1i1.3

Abstract

Indonesian Migrant Workers Candidates (CPMI) require additional skills to improve their welfare and productivity while working abroad. Digital marketing training has become one of the solutions to provide entrepreneurial skills digitally. The purpose of this training is to equip prospective PMI with digital marketing skills, particularly in creating marketing kits and managing stores in marketplaces. The training method is conducted face-to-face with a hands-on approach. The materials provided include the creation of a marketing kit and the stages of opening and managing a store on the marketplace platform. The marketing kit is created using the Canva application, which can be easily operated by CPMI. The training participants consist of 25 CPMI who will be dispatched to various destination countries. The training results show that 80% of the participants successfully created a basic marketing kit and 65% of the participants successfully created a marketplace account along with their store content. This training is expected to help prospective CPMI develop side businesses digitally while working abroad or after returning to Indonesia
PENGARUH KOMPENSASI DAN LINGKUNGAN KERJA TERHADAP PRODUKTIVITAS KERJA KARYAWAN DI SALAH SATU HOTEL DI BANDUNG Fauzany, Riffka; Hatimatunnisani, Hani; Nurfadilah, Haifa; Hadi, Samsul
Jurnal Perhotelan dan Pariwisata Vol 1 No 1 (2022): JURNAL PERHOTELAN DAN PARIWISATA (TELPAR)
Publisher : LPPM Politeknik Pajajaran ICB Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/telpar.v1i1.70

Abstract

There are several factors that can affect employee work productivity, including compensation and work environment. This study aims to determine the effect of compensation and work environment on employee work productivity at a Hotel in Bandung. This study used a quantitative method with a sample of 61 employees. The results showed that compensation and work environment had a positive and significant effect on work productivity by 82.5% while the remaining 17,5% was explained by other factors. The existence of good compensation and a supportive work environment can increase employee productivity at work.
MENINGKATKAN NILAI EKONOMIS SAMPAH MELALUI BANK SAMPAH PADA WARGA RW 04 KELURAHAN JATIHANDAP Hatimatunnisani, Hani; Fauzany, Riffka; Habiburahman, Fadil; Rustanti, Nita
Jurnal Pengabdian Kepada Masyarakat Vol 4 No 1 (2025): JURNAL PENGABDIAN KEPADA MASYARAKAT (PENGMAS)
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/pengmas.v4i1.470

Abstract

Household waste management remains a problem in several regions. Low public awareness of waste sorting is a contributing factor to increased environmental pollution and the loss of potential economic value. This study aims to analyze the role of waste banks in increasing the economic value of waste and encouraging the participation of RW 04 residents in community-based waste management. The research method used descriptive qualitative methods, with data collection techniques through observation, interviews, and documentation. The results indicate that the waste bank can increase additional income for residents of RW 04, especially housewives, reduce the volume of waste disposed of in the environment, and raise public awareness of sustainable waste management. Therefore, the existence of a waste bank is an effective strategic solution for waste management while simultaneously empowering the economic value of RW 04 residents.
PENGELOLAAN EKSPEKTASI WARGA PADA PERENCANAAN PENGADAAN TANAH MELALUI PKM Haryono, Rakhmat; Fauzany, Riffka; Hatimatunnisani, Hani; De Keizer, Hendriady
Jurnal Pengabdian Kepada Masyarakat Vol 4 No 1 (2025): JURNAL PENGABDIAN KEPADA MASYARAKAT (PENGMAS)
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/pengmas.v4i1.501

Abstract

A community service program (PKM) delivered participatory socialization and dialogue to support land acquisition planning for the rehabilitation of Cipancuh Dam, Indramayu, Indonesia. An intervention-based case study with a participatory, mixed-methods approach was applied to improve residents’ understanding of rehabilitation objectives, land acquisition planning stages, parcel listing–measurement–verification activities, and stakeholders’ rights and obligations. Forum findings highlighted recurring concerns regarding compensation, corporate social responsibility, and irrigation service distribution. Therefore, procedural clarification and accessible feedback/grievance channels are pivotal to strengthening social acceptance and preventing early-stage conflicts during land acquisition planning.
PENERAPAN METODE CAMEL DALAM MENILAI TINGKAT KESEHATAN PT BANK RAKYAT INDONESIA (PERSERO) TBK PERIODE 2023-2025 Gunawan, Alfaz Syihab; Novi Amelia, Dilla; Siti Zahra, Zauzia; Rohmat, Dede; hatimatunnisani, Hani
Jurnal Ekonomi Manajemen Bisnis Dan Akuntansi : EMBA Vol 4 No 2 (2026): JURNAL EKONOMI MANAJEMEN BISNIS dan AKUNTANSI : EMBA
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M) Politeknik Pajajaran ICB Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/emba.v4i2.479

Abstract

This study aims to analyze the financial soundness level of PT Bank Rakyat Indonesia (Persero) Tbk during the 2023–2025 period using the CAMEL method. The CAMEL method evaluates bank soundness based on five main aspects: Capital, Asset Quality, Management, Earnings, and Liquidity. This research employs a descriptive quantitative approach using secondary data obtained from the officially published annual financial statements of Bank BRI. The ratios analyzed include the Capital Adequacy Ratio (CAR), Productive Asset Quality Ratio (KAP), Net Profit Margin (NPM), Return on Assets (ROA), Operating Expenses to Operating Income (BOPO), and Loan to Deposit Ratio (LDR). The results indicate that, in general, the financial soundness of Bank BRI during the 2023–2025 period is classified as sound, with capital adequacy in a very sound condition. However, aspects related to management performance and operational efficiency still require attention, as reflected by declining profitability ratios and increasing operating expenses. This study is expected to provide useful references for related stakeholders and future research in the banking sector.
ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE RGEC PADA PT BANK CENTRAL ASIA TBK PERIODE 2020-2024 Maudina, Vina; Septiani, Chitra; Galuh Permana, Dani; Hatimatunnisani, Hani
Jurnal Ekonomi Manajemen Bisnis Dan Akuntansi : EMBA Vol 4 No 2 (2026): JURNAL EKONOMI MANAJEMEN BISNIS dan AKUNTANSI : EMBA
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M) Politeknik Pajajaran ICB Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/emba.v4i2.480

Abstract

This study analyzes the financial soundness of PT Bank Central Asia Tbk (BCA) using the Risk-Based Bank Rating (RBBR) approach through the RGEC method, which includes Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital during the period 2020–2024. The study applies a descriptive quantitative method using secondary data from annual financial statements and corporate governance reports. The results indicate that BCA’s financial soundness during the 2020–2024 period is classified as “Very Healthy.” Based on the RGEC method, the average Non-Performing Loan (NPL) is 0.7%, the Good Corporate Governance (GCG) aspect obtains Rating 1, Return on Assets (ROA) is 3.2%, and the Capital Adequacy Ratio (CAR) is 25,4%, all of which obtain Rating 1. This condition indicates that BCA has strong financial resilience and effective banking management.
Kesiapan gen Z dalam mengelola keuangan di era Digital Septiani, Chitra; Handayani, Hani; Putri, Vella Azahra; Zahra, Zauzia Siti; Hatimatunnisani, Hani
Jurnal Sosio dan Humaniora (SOMA) Vol 4 No 2 (2026): JURNAL SOSIO DAN HUMANIORA : SOMA
Publisher : LPPM Politeknik Pajajaran ICB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/soma.v4i2.371

Abstract

Generation Z is an age group that grew up amidst the rapid development of digital technology. Easy access to information and various financial applications makes them very familiar with digital transactions such as e-wallets, mobile banking, and online investment. However, behind the adaptation of this technology, questions arise about the extent to which Gen Z is prepared to manage finances wisely and sustainably. This study aims to analyze the characteristics, behavior, and level of financial literacy of Gen Z in facing the challenges of the digital economy. The results of the analysis show that although Gen Z is active in using financial technology, they still have limitations in financial planning, risk management, and understanding of basic financial concepts. Therefore, increasing financial literacy through education and a digital media-based approach is an important strategy in forming a financially intelligent generation in the future. Keywords : Gen Z; Financial Management; Digital Era.
Co-Authors Ade Sudrajat Afrizal, Rifa Alen Dereas Putri Amalia , Marizca Amelia, Rossana Anita Lestari Ardi Taryanto Arlinda Septiani Azzahra, Vella Basith Sukarno, Hasbi Caniago , Fauzi De Keizer, Hendriady Dede Rohmat Deselyne Leslie, Lahengky Melinda Dewi Pramanik, Nuniek Dewi, Yeni Amanda Dwi Robiul Rochmawati Eri Sutrisno, Krisna EUIS HERNAWATI POLITEKNIK EUIS HERNAWATI POLITEKNIK Farina , Farin Taska Faujiah, Nabila Fauzany, Riffka Fenny Kurniati Fitria Zaharah, Mela Galuh Permana, Dani Gunardi , Gunardi Gunardi Gunardi Gunawan, Alfaz Syihab Gunawan, Irfan Habiburahman, Fadil Hani Handayani, Hani Hendriady de Keizer Hernawati, Euis Indradewa, Rhian Indrawan, Bisma Irianti, N. Anti Nur Kamelia Kamelia Karyadi kesumah, priatna Kunto Ajibroto, Kunto Kustyanti Kusnadi, Hani Lestari, Ceri Lupita, Aprilia Maharani, Risca Marlina, Shalva Maudina, Vina Maulana, Muhamad Chandra Maulida Khaerunnisa, Dila Meilani, Alya Sheila Muchamad Rifaldy Baitullah Mulya Mantri , Yaya Mulya Mantri, Yaya Nabila Syahla, Adhisa Nabila, Adhisa Nita Rustanti Novi Amelia, Dilla Novi, Dilla Nugraha, Muhamad Arya Nugraha NUNUNG, AI Nur Azizah Nur Rahma Khaliandri, Syalwa Nurdin, Jusuf Nurfadilah, Haifa Nurfadillah, Haifa NurFauziah, Raisya Fadillah Oktapiani, Syarah Pancawati, Kurnia Paturohman, Rifki Pintu Batu, Shintya Rosalina Pradipta , Aurora Putri , Linda Putri, Vella Azahra Raden Wahyu Utomo Martianto Rakhmat Haryono Ranti Rosalina, Resmi Rena Nur Salehah Reza Oktora , Ayu Rika, Putri Rini Susilowati Rohmah, Allika Arisandy Nur Said Bambang Nurcahya Salehah, Rena Nur Salsabila , Kania Syalwa Samsul Hadi Sandi Aryanti, Shofi Septiani, Chitra Setiawan, M. Lutfi Sholih, Dede Simatupang, Angel Siti Zahra, Zauzia Syafitri, Hasdilla Tazzudin, Muhamad Dimas Veranita, Mira Viqry Reyfangga Praditama Wasti, Melan Wawan Hermawan WILDAN NISPIANI Wiyanto , Wiyanto YUSUF, RAMAYANI Zahra , Wulan Zahra, Fhadilla Zahra, Zauzia Siti Zsabilla Zsafira Zsafira, Zsabilla