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PENGARUH LEMBAGA PENJAMIN SIMPANAN TERHADAP PERILAKU MORAL HAZARD PADA BANK PEMBANGUNAN DAERAH DI INDONESIA Reza Luqman Hakim; Djoko Setyadi; Michael Hadjaat
Jurnal Ilmu Manajemen Mulawarman (JIMM) Vol 4, No 2 (2019): Juni
Publisher : Fakultas Ekonomi Dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29264/jimm.v4i2.4197

Abstract

Penelitian ini dimaksudkan untuk melihat pengaruh lembaga penjamin simpanan terhadap perilaku moral hazard dengan menggunakan metode komparatif. Penelitian ini menggunakan data laporan keuangan triwulanan bank pembangunan daerah selama periode 2001-2010. Sampel penelitian ini terdiri dari 26 bank pembangunan daerah yang terdaftar di Indonesia. Hasil pengujian hipotesis menunjukkan bahwa ada pengaruh dari lembaga penjamin simpanan yang menyebabkan perilaku moral hazard yang ditunjukkan oleh peningkatan risiko likuiditas pada periode setelah adanya lembaga penjamin simpanan. Pada hasil pengujian hipotesis yang lain menunjukkan bahwa tidak ada pengaruh dari lembaga penjamin simpanan yang menyebabkan perilaku moral hazard yang ditunjukkan oleh penurunan risiko kredit pada periode setelah adanya lembaga penjamin simpanan.
KEBIJAKAN FISKAL DALAM OTONOMI DAERAH: PERAN PENGELUARAN PEMERINTAH DALAM MEWUJUDKAN MIMPI OTONOMI DAERAH DI PROVINSI KALIMANTAN TIMUR Reza Luqman Hakim
Journal Central Publisher Vol 1 No 11 (2023): Jurnal Central
Publisher : Central Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60145/jcp.v1i11.244

Abstract

Latar Belakang : Sejumlah permasalahan paska krisis moneter 1997 di Indonesia pada akhirnya berbuah tuntutan oleh daerah untuk memimpin daerahnya sendiri tanpa ada campur tangan dari orang lain. Tuntuntan itu dijawab oleh pemerintah pusat dengan diterapkannya otonomi daerah yang secara tidak langsung juga menuntut keberhasilan daerah dalam pembangunan ekonomi yang berkelanjutan secara mandiri. Tujuan : Penelitian ini dimaksudkan untuk menganalisis peran pengeluaran pemerintah dalam mendorong aktivitas perekonomian, dan dampak dari aktivitas perekonomian itu terhadap pendapatan asli daerah. Metode : Metode penelitian ini dilakukan dengan menggunakan analisis regresi data panel terhadap data Kabupaten/Kota di Provinsi Kalimantan Timur selama tahun 2013-2020. Hasil dan Pembahasan : Hasil penelitian ini menemukan bahwa wewenang yang diberikan kepada pemerintah daerah untuk mengatur anggaran belanjanya itu tidak memberikan dampak yang cukup memuaskan terhadap perekonomian. Meskipun fungsi multiplier effect dari belanja operasi pemerintah bekerja dengan baik, belanja modal pemerintah yang tidak sedikit itu justru memberikan efek perlambatan terhadap perekonomian. Kesimpulan : Besarnya penerimaaan pendapatan asli daerah secara signifikan ditentukan oleh peningkatan aktivitas perekonomian. Sehingga kami mengharapkan pemerintah daerah untuk terus menjaga perekonomian bergerak maju, agar kedepan mimpi otonomi daerah yang dicita-citakan dapat tercapai.
Kepuasan Konsumen dan Positif Ewom di Tiktok Shop: Menguji Peran Pengakuan Sosial dan Pengalaman Emosional Saiful, Saiful; Santoso, Bejo; Maulidani, Yurdi; Romadloni, Mohammad; Hakim, Reza Luqman
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 1 (2026): Januari: Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i1.5288

Abstract

This study aims to analyse the influence of customer satisfaction on the decision to engage in positive electronic word of mouth (eWOM) on TikTok Shop, while considering the moderating role of emotional experience and social recognition. The research method employed is Partial Least Squares–Structural Equation Modelling (PLS-SEM), based on a survey of 100 TikTok Shop users who had made at least two purchases and previously provided reviews. This approach was chosen because it enables testing of complex relationships between latent variables in consumer behaviour studies. The findings indicate that customer satisfaction alone does not exert a significant effect on the decision to post positive reviews on TikTok Shop. However, when moderated by emotional experience, the relationship between satisfaction and the decision to provide positive reviews becomes significant. This shows that consumers are more motivated to share favourable experiences when they feel emotionally connected to the purchasing process. By contrast, social recognition does not enhance the link between satisfaction and the decision to engage in positive eWOM, suggesting that the desire for acknowledgement from others is not always a decisive factor. These results highlight the importance of emotional factors in shaping consumer behaviour within social commerce platforms. While satisfaction provides a rational basis for evaluation, emotions act as a key driver that converts satisfaction into active sharing behaviour. Theoretically, this study expands the understanding of eWOM dynamics in the context of video-based social commerce. Practically, the findings emphasise the need for businesses to design strategies that not only ensure customer satisfaction but also create emotionally engaging experiences capable of stimulating deeper consumer involvement and voluntary advocacy.
TANTANGAN IMPLEMENTASI DIGITALISASI DESA DI INDONESIA: TINJAUAN LITERATUR Reza Luqman Hakim
PATRIOT: Journal of Public Administration and Policy Vol. 1 No. 2 (2026): PATRIOT: Journal of Public Administration and Policy
Publisher : PATRIOT: Journal of Public Administration and Policy

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

Abstract

Digitalisasi desa merupakan salah satu agenda penting dalam mendorong transformasi pelayanan publik, penguatan tata kelola, dan peningkatan kesejahteraan masyarakat desa. Namun, perjalanan menuju desa digital di Indonesia tidak selalu berjalan mulus. Penelitian ini bertujuan mengidentifikasi tantangan implementasi digitalisasi desa melalui pendekatan narrative review terhadap 15 artikel ilmiah yang terbit dalam lima tahun terakhir. Hasil analisis menunjukkan bahwa hambatan yang dihadapi desa mencakup keterbatasan infrastruktur telekomunikasi, rendahnya literasi digital masyarakat, kapasitas aparatur desa yang belum merata, minimnya sosialisasi dan pelatihan, kendala budaya, lemahnya regulasi dan koordinasi, serta keterbatasan dana dan fasilitas pendukung. Tantangan ini membuat capaian digitalisasi desa berjalan lebih lambat dibandingkan target pemerintah. Kajian ini menegaskan bahwa keberhasilan implementasi digitalisasi desa membutuhkan strategi yang lebih komprehensif, mulai dari penguatan infrastruktur, peningkatan literasi digital, penyediaan regulasi yang jelas, hingga kolaborasi erat antara pemerintah pusat, pemerintah daerah, desa, sektor swasta, dan masyarakat.
Pengaruh Servant Leadership Terhadap Keinginan Genenerasi Z Berpindah Pekerjaan Yurdi Maulidani; Reza Luqman Hakim; Bejo Santoso; Riduansah Riduansah; Saiful Saiful
Studi Ilmu Manajemen dan Organisasi Vol 6 No 1 (2025): April
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/simo.v6i1.3952

Abstract

Purpose: This study aims to deepen the understanding of the influence of servant leadership on turnover intention, with a case study focused on Generation Z employees in micro enterprises in Samarinda City. Methodology: This study is a causal research aimed at testing the influence of servant leadership on turnover intention among Generation Z employees working in micro enterprises in Samarinda City. The research method used is PLS-SEM, with 65 respondents. Results: Servant leadership can significantly reduce the intention of Generation Z to switch jobs. This means that the stronger the application of leadership principles focused on service, empathy, and employee empowerment, the lower the tendency of Generation Z to leave their jobs. Additionally, it was found that servant leadership can explain 37.00% of the variation in turnover intention. Limitations: This study focuses only on Generation Z employees in micro-enterprises in Samarinda City, with fewer than 100 respondents, so it cannot be used as a sufficiently strong basis to explain the behavior of Generation Z employees in general across different types of businesses. Contribution: This study found that a leadership style that prioritizes employee well-being and the development of positive interpersonal relationships can be an effective strategy in increasing loyalty and reducing turnover intention, particularly among the younger workforce, who tend to switch jobs more easily.
Pengaruh Viral Marketing terhadap Buying Decisions: Peran Moderasi Herd Behavior Bejo Santoso; Yurdi Maulidani; Riduansah Riduansah; Saiful Saiful; Reza Luqman Hakim
Studi Ilmu Manajemen dan Organisasi Vol 6 No 1 (2025): April
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/simo.v6i1.3953

Abstract

Purpose: This study aims to deepen the understanding of the influence of viral marketing on consumer buying decisions by positioning consumer psychology, specifically herd behavior, as a moderating variable in the relationship between viral marketing and buying decisions. Methodology: This causal study examines the impact of viral marketing on consumer buying decisions and the role of herd behavior in influencing this relationship among users of Facebook, Instagram, YouTube, and TikTok in Samarinda City. The research method used is PLS-SEM, with a total of 65 respondents. Results: Viral marketing significantly affects buying decisions. This indicates that more effective and extensive marketing efforts to make a product viral increase the likelihood of consumers making a purchase. However, herd behavior, as a moderating variable, does not show a significant effect. While herd behavior, which refers to a person’s tendency to follow others’ decisions, may influence buying decisions, its impact is not strong enough in the context of viral marketing and buying decisions. Limitations: This study focuses on users of social media platforms in Samarinda City with the largest number of users, namely Facebook, Instagram, YouTube, and TikTok, who have been exposed to viral products. With fewer than 100 respondents, the results of this study cannot serve as a strong enough basis to explain consumer behavior in general with regard to various types of viral products. Contribution: The study highlights that viral marketing plays a crucial role in driving consumer buying decisions, but the influence of herd behavior as a moderating factor is not significant. This opens the door for further research into other factors that might strengthen the relationship between viral marketing and buying decisions.
Evaluasi Sistem Pengelolaan KKN: Studi Perspektif Mahasiswa Magang Nurziah Nurziah; Reza Luqman Hakim; Ince Dian Afnita; Irma Suriyani
JURNAL RISET MANAJEMEN (JURMA) Vol 4 No 2 (2026): June: JURNAL RISET MANAJEMEN (JURMA)
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jurma.v4i2.3970

Abstract

This study aims to evaluate the management system of the Community Service Program (Kuliah Kerja Nyata/KKN) implemented by the Institute for Research and Community Service (LPPM) from the perspective of student participants as internal actors. KKN is a form of community engagement program that requires an effective management system to ensure its objectives are achieved optimally. This research employs a qualitative approach with a descriptive-exploratory design. Data were collected through Focus Group Discussions (FGDs), participant observation, and document analysis, then analyzed using the interactive model proposed by Miles et al. The findings indicate that the KKN management system still faces several challenges, including administrative irregularities, weak coordination and communication among stakeholders, limited information system support, and insufficient technical readiness during implementation. In addition, students provide critical reflections on their roles and experiences throughout the program. The problems identified are not only caused by institutional factors but also by interactions among actors within the KKN implementation system. This study highlights the importance of strengthening system integration, improving the quality of coordination among related parties, and developing digital-based information systems. These efforts are expected to enhance the effectiveness of KKN implementation and improve overall program governance in a sustainable manner.
Rekrutmen Tanpa Henti : Studi Fenomenologi Pengunduran Diri Karyawan Perusahaan Pembiayaan di Samarinda Mohammad Romadloni; Saiful Saiful; Bejo Santoso; Yurdi Maulidani; Reza L. Hakim
Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Vol. 5 No. 1 (2026): Januari : Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupsim.v5i1.5301

Abstract

The phenomenon of employee resignation represents a serious challenge for financing companies, particularly in Samarinda, as evidenced by the recurring recruitment processes for credit marketing positions, which in turn increase operational costs and undermine team stability. This study aims to gain an in-depth understanding of the subjective experiences of employees who have resigned as well as those who remain employed but strongly intend to leave the company. Employing a qualitative phenomenological approach, data were collected through in-depth interviews with seven informants, consisting of five former employees and two active employees. The findings reveal four key factors driving resignation decisions: intense performance pressures and heavy workloads, limited opportunities for career advancement, misalignment with organizational culture, and an imbalance between work and personal life. On the other hand, economic necessity and loyalty to team members serve as retention factors that encourage some employees to remain despite dissatisfaction. These results affirm that resignation decisions are multidimensional, shaped by a complex interplay of internal and external factors that influence employees’ working lives. The study recommends that financing companies foster a healthier organizational culture, provide clear and transparent career development opportunities, and implement policies that support work–life balance in order to reduce turnover, strengthen employee retention, and enhance long-term organizational competitiveness.
MENGAPA MASYARAKAT ENGGAN MELAPOR? MENAKAR PARTISIPASI PUBLIK DALAM PEMBERANTASAN NARKOTIKA Rical Rajja; Mini Mini; Mahfuzat Lamakampali; Reza Luqman Hakim
PATRIOT: Journal of Public Administration and Policy Vol. 2 No. 1 (2026): PATRIOT: Journal of Public Administration and Policy
Publisher : PATRIOT: Journal of Public Administration and Policy

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

Abstract

Partisipasi masyarakat merupakan salah satu unsur penting dalam mendukung efektivitas penyidikan tindak pidana narkotika. Namun, dalam praktiknya, masyarakat masih menunjukkan keengganan untuk melaporkan informasi yang berkaitan dengan tindak pidana narkotika sehingga berpotensi menghambat proses penegakan hukum. Penelitian ini bertujuan menganalisis faktor-faktor yang memengaruhi keengganan masyarakat untuk berpartisipasi dalam penyidikan kasus narkotika di Desa Oloboju, Kabupaten Sigi. Penelitian menggunakan pendekatan kuantitatif dengan desain deskriptif. Data dikumpulkan melalui penyebaran kuesioner, wawancara semi-terstruktur, dan dokumentasi, kemudian dianalisis menggunakan statistik deskriptif berupa distribusi frekuensi dan persentase yang didukung oleh analisis kualitatif melalui reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa keengganan masyarakat untuk berpartisipasi dipengaruhi oleh empat faktor utama, yaitu rendahnya partisipasi masyarakat dalam menyampaikan ide atau masukan kepada kepolisian, rasa takut terhadap ancaman pelaku tindak pidana narkotika, keterbatasan sosialisasi dan pelatihan mengenai peran masyarakat dalam penyidikan, serta belum optimalnya mekanisme partisipasi antara masyarakat dan kepolisian. Temuan ini menunjukkan bahwa peningkatan partisipasi masyarakat memerlukan penguatan kepercayaan publik, jaminan perlindungan bagi pelapor, peningkatan edukasi masyarakat, serta pengembangan mekanisme kolaborasi yang lebih efektif antara masyarakat dan kepolisian dalam mendukung penyidikan kasus narkotika.
PARADOKS IMPLEMENTASI KEBIJAKAN DALAM TRANSFORMASI DIGITAL PENDIDIKAN: KAJIAN LITERATUR TENTANG EVOLUSI TANTANGAN PENDIDIK DARI ERA INDUSTRI 4.0 HINGGA AGENTIC AI Reza Luqman Hakim
PATRIOT: Journal of Public Administration and Policy Vol. 2 No. 1 (2026): PATRIOT: Journal of Public Administration and Policy
Publisher : PATRIOT: Journal of Public Administration and Policy

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

Abstract

Transformasi digital telah mengubah berbagai aspek penyelenggaraan pendidikan, termasuk peran dan tantangan yang dihadapi pendidik. Perkembangan teknologi yang berlangsung mulai dari era Industri 4.0, disrupsi pandemi COVID-19, kemunculan Generative Artificial Intelligence (Generative AI), hingga berkembangnya Agentic AI menunjukkan bahwa tuntutan terhadap pendidik terus mengalami perubahan. Penelitian ini bertujuan mengkaji evolusi tantangan pendidik dalam transformasi digital pendidikan serta menganalisis implikasinya terhadap implementasi kebijakan publik. Penelitian menggunakan pendekatan kualitatif dengan metode narrative literature review melalui proses identifikasi, seleksi, analisis, dan sintesis berbagai artikel ilmiah serta laporan kebijakan yang relevan. Hasil kajian menunjukkan bahwa tantangan pendidik berkembang dari kemampuan mengintegrasikan teknologi ke dalam pembelajaran, beradaptasi dengan pembelajaran daring pada masa pandemi, mengembangkan literasi AI dan kompetensi pedagogis berbasis AI, hingga menghadapi implikasi penggunaan Agentic AI yang semakin otonom. Pembahasan mengindikasikan adanya paradoks implementasi kebijakan, yaitu perkembangan teknologi dan kebijakan transformasi digital berlangsung lebih cepat dibandingkan proses adaptasi kapasitas pendidik sebagai pelaksana kebijakan. Kondisi tersebut berpotensi menimbulkan implementasi yang bersifat administratif tanpa diikuti perubahan pedagogis yang bermakna. Oleh karena itu, transformasi digital pendidikan memerlukan kebijakan yang tidak hanya berorientasi pada adopsi teknologi, tetapi juga pada penguatan kapasitas pendidik secara berkelanjutan agar implementasi kebijakan dapat berlangsung secara efektif dan berorientasi pada kualitas pembelajaran.