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All Journal Moneter : Jurnal Akuntansi dan Keuangan VISI PUSTAKA: Buletin Jaringan Informasi Antar Perpustakaan Integra Business Review
Harjum Muharam
Universitas Diponegoro, Semarang
Economics, Econometrics & Finance Library & Information Science Social Sciences

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Merger And Innovation To Improve Organization’s Performance In Indonesia To Fight Industrial Revolution 4.0: Case Study Merger Bank BTPN Diana Tambunan; Sugeng Wahyudi; Harjum Muharam
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 8, No 1 (2021): April 2021
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/moneter.v8i1.10344

Abstract

An organization will conduct a merger strategy with companies that have strong technology to overcome the challenges of industrial transformation 4.0. In 2018 Bank BTPN merged with SMBCI with the hope of strengthening banking technology so that it could serve customers of various segments with various services throughout Indonesia.This research is a case study conducted at Bank BTPN which contributes to prove whether with merger, Bank BTPN's financial performance has improved. The method used is ratio analysis by comparing the financial performance of Bank BTPN before merger and after merger and the data obtained from the 2019 Annual Report and published financial statement 2020. The results showed that the merger strategy made Bank BTPN able to use assets, funding, and technology owned by SCMBI in innovating the digital banking business of Jenius banking products, BTPN Wow! and other banking products so that the post merger of Bank BTPN's financial performance has increased rapidly both in terms of assets to be the ninth largest in Indonesia, as well as 41% increase in net profit to Rp 2.9 trillion in 2019. This research proposes the concept of business model where merged bank should take five actions: 1) Innovation Business Digital Bangking, (2) Expansion of Customer Segmentation, (3) Diversification of Products/Market, (4) Quality of Human Resources, (5)Corporate Governance. 
PENGUKURAN PEMBUDAYAAN KEGEMARAN MEMBACA: KAJIAN SURVEI INDEKS KEGEMARAN MEMBACA KOTA SALATIGA TAHUN 2022 Budi Warsito; Harjum Muharam; Arief Rahaman Hakim; Endang Fatmawati; Heriyanto Heriyanto; Yanuar Yoga Prasetyawan
VISI PUSTAKA: Buletin Jaringan Informasi Antar Perpustakaan Vol. 25 No. 2: Agustus 2023
Publisher : Perpustakaan Nasional RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37014/visipustaka.v25i2.4745

Abstract

Pemerintah daerah Kota Salatiga melalui Dinas Perpustakaan dan Kearsipan Kota Salatiga sangat aktif berperan serta dalam mendukung perpustakaan maupun penyedia bahan bacaan lainnya untuk meningkatkan kegemaran membaca masyarakat Kota Salatiga. Penelitian ini dilakukan dengan pendekatan metode kuantitatif dengan jenis penelitian survei. Pengambilan sampling menggunakan probabilita, dengan teknik sampling acak sederhana. Instrumen penelitian menggunakan standar nasional, seperti yang sudah ditetapkan oleh Perpustakaan Nasional. Lokasi penelitian yaitu Kota Salatiga, dengan target sampling unit terkecil di tingkat kecamatan dan melibatkan responden sebanyak 400 orang dengan kriteria usia 10-69 tahun. Sebaran responden di Kecamatan Argomulyo (103 responden), Kecamatan Sidomukti (92 responden), Kecamatan Sidorejo (109 responden), dan Kecamatan Tingkir (96 responden). Indikator pengukuran diperoleh dari penghitungan frekuensi membaca per minggu, durasi membaca per hari, jumlah bahan bacaan per triwulan, frekuensi akses internet per minggu, serta durasi akses internet per hari. Hasil penelitian diketahui bahwa kondisi kegemaran membaca masyarakat di Kota Salatiga termasuk dalam kategori tinggi sebesar 64,08. Kontribusi terbesar IGM Kota Salatiga adalah pada indikator aktivitas membaca masyarakat dengan frekuensi akses internet sebesar 80,42. 
Organizational Structure Change and Its Impact on Commercial Business Performance: A Case Study of Bank BRI Region 14 Hermawan Sutrisno; Harjum Muharam
Integra Business Review Vol. 4 No. 1 (2026): June 2026
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-676

Abstract

Organizational structure change is an inevitable phenomenon in the modern banking industry. The dynamics of the business environment, advances in digital technology, regulatory demands, and changes in customer behavior are the main factors driving organizational restructuring in this sector. This study aims to analyze the key causes of organizational structure changes in banking and to assess their impact on operational effectiveness, employee performance, and institutional competitiveness. The research method used is a qualitative approach through literature analysis and case studies of several national banks that have undergone organizational transformation. The results show that service digitalization, competitive pressure from fintech, and cost-efficiency policies have encouraged banks to shift from traditional hierarchical structures to flatter and more agile ones. The positive impacts include faster decision-making, improved operational efficiency, and enhanced service quality. However, these changes also create challenges such as role uncertainty, employee resistance, and the need to upgrade human resource competencies. In conclusion, the success of organizational structure change in banking greatly depends on transformational leadership, effective internal communication, and organizational culture readiness to face the digital era.
Co-Authors Arief Rahaman Hakim Budi Warsito Diana Tambunan Endang Fatmawati Heriyanto Heriyanto Hermawan Sutrisno Sugeng Wahyudi Yanuar Yoga Prasetyawan