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All Journal JPM17: Jurnal Pengabdian Masyarakat SINERGI: Jurnal Ilmiah Ilmu Manajemen JEM17: Jurnal Ekonomi Manajemen Jurnal Ilmiah Abdi Mas TPB Unram Jurnal Ekonomi Jurnal Publikasi Ilmu Manajemen ARMADA : Jurnal Penelitian Multidisiplin Innovative: Journal Of Social Science Research IRA Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Ekonomi dan Manajemen Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Media Akademik (JMA) Jurnal Riset Ilmiah JURNAL RUMPUN MANAJEMEN DAN EKONOMI AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Jurnal Pengabdian Masyarakat Jurnal Penelitian dan Pengkajian Ilmiah Jurnal Bisnis Kreatif dan Inovatif JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Jurnal Pelayanan Masyarakat Jurilma ⁠International Journal of Sustainable Social Culture, Science Technology, Management, and Law Humanities PESHUM Sasambo: Jurnal Abdimas (Journal of Community Service) Jurnal Ilmu Manajemen dan Akuntansi Nusantara (JIMAKUN) Jurnal Riset Sosial Humaniora dan Pendidikan Sciences du Nord Community Service Journal of Community Dedication Prosperia: Journal of Economic Development, Accounting, and Global Markets
Kartini, Ida Ayu Nuh
Universitas 17 Agustus 1945 Surabaya
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Efektivitas Penggunaan QRIS Bank BNI terhadap Kemudahan dan Efisiensi Transaksi di Kantin UNTAG Surabaya Ida Ayu Nuh Kartini; Diah Ayu Susilaningtias; Jeslin Cecelia Thunggal; Revalia Wulan Suryani; Teresya Dwigantara Wega
Jurnal Bisnis Kreatif dan Inovatif Vol. 2 No. 4 (2025): Desember : Jurnal Bisnis Kreatif dan Inovatif
Publisher : Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jubikin.v2i4.1181

Abstract

This study analyzes the effectiveness of using BNI Bank’s QRIS in improving transaction convenience and efficiency at the canteen of Universitas 17 Agustus 1945 (UNTAG) Surabaya. The research was conducted by a team led by Ida Ayu Nuh Kartini, S.E., M.M., together with students of the Management Study Program, during November–December 2025. The rapid development of digital banking has encouraged the adoption of QRIS as a standardized non-cash payment system regulated by Bank Indonesia. This study aims to examine the level of QRIS BNI utilization, assess ease of use (application access and QR code scanning), and evaluate transaction efficiency, including time savings, queue reduction, and error minimization. A descriptive quantitative approach was employed using a survey method with a five-point Likert scale questionnaire distributed to 36 respondents consisting of students, lecturers, and administrative staff who had used QRIS at the canteen. Primary data were analyzed descriptively using averages and percentages, supported by relevant literature. The results show that QRIS is perceived as highly effective, with scores above 90% for ease of use (95%), transaction speed (92.78%), reduction of change-related issues (97.78%), support for digitalization (97.22%), and security (91.11%). The main limitation identified is dependence on internet connectivity (85%). Overall, respondents strongly support the full implementation of non-cash payment systems at the campus canteen.
The Role of Customer in Risk Prevention and Complaint Handling in Banking Adrian Dewa Mutiara Sakti; Tri Hutomo Yogiantoro; Nasha Aurellya Putri Intiati; Ida Ayu Nuh Kartini
⁠International Journal of Sustainable Social Culture, Science Technology, Management, and Law Humanities Vol. 3 No. 1 (2026)
Publisher : Universitas Kristen Cipta Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71131/r0b5b910

Abstract

The banking sector relies heavily on service quality to maintain public trust and financial stability. This study analyzes the strategic role of customer service in risk prevention and complaint handling at Bank Jatim, a regional development bank in East Java. Using a qualitative descriptive approach, data were collected through in-depth interviews with customer service officers and documentation reviews. The research focuses on identifying the types of customer complaints, the procedures for handling them, and the role of customer service as a frontline defense against operational and reputational risks. The findings reveal that the most frequent complaints relate to transaction failures, such as ATM cash withdrawals and real-time transfers. Customer service officers mitigate operational risks by verifying data accuracy and ensuring compliance with standard operating procedures (SOPs). Furthermore, they prevent reputational risks through empathetic communication and transparent complaint resolution. The study concludes that customer service is not merely a support function but an integral component of the bank's risk management system, contributing significantly to customer trust and operational stability.
Risk Management Implementation in Enhancing Bank Performance Stability Ida Ayu Nuh Kartini; R.Frengkly Listiya Dendi Wicaksana; Muhamad Rafli Fatahila
Prosperia: Journal of Economic Development, Accounting, and Global Markets Vol. 1 No. 2 (2026): : May: Prosperia: Journal of Economic Development, Accounting, and Global Marke
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/vk6x1007

Abstract

This study examines the implementation of integrated risk management in enhancing the performance stability of conventional commercial banks in Indonesia during the 2019–2023 period. A quantitative approach was employed using panel data regression analysis based on 125 firm-year observations from 25 commercial banks listed on the Indonesia Stock Exchange (IDX). The study evaluates the effects of credit risk, market risk, and operational risk management on banking performance, measured by Return on Assets (ROA), Capital Adequacy Ratio (CAR), and Non-Performing Loans (NPL). The findings reveal that integrated risk management significantly improves banking performance stability. Credit risk management exhibits the strongest positive influence on ROA (β = 0.412; p < 0.01) and CAR (β = 0.367; p < 0.01), while significantly reducing NPL (β = −0.289; p < 0.01). Market risk and operational risk management also demonstrate significant relationships with all performance indicators, although with relatively smaller coefficients. These findings suggest that comprehensive enterprise risk management enhances financial resilience, strengthens institutional stability, and supports sustainable banking performance amid economic uncertainty. The study contributes empirical evidence supporting integrated risk governance as a strategic driver of long-term banking sustainability in emerging economies.  
Transformasi Sistem Pembayaran Digital: Analisis Implementasi dan Dampak Penggunaan Virtual Account pada Sektor Perbankan dan Pendidikan Farhan Adi; Risqi Tirta Diroska; Ida Ayu Nuh Kartini
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 3 No. 1 (2026): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/aksioma.v3i1.2178

Abstract

The development of digital technology has changed the way financial transactions through the use of virtual accounts (VA) as an automatic and accurate payment method. This study aims to analyze the working mechanism, advantages, and implementation of VA based on national and international literature. The method used is a literature study by studying relevant journals. The results show that the use of VA significantly improves time efficiency, record-keeping accuracy, and transaction security by reducing the risk of manual errors. The implementation of VA has proven to be effective in the education and banking sectors in supporting the digitalization of administration.
PERAN BANK JATIM DALAM IMPLEMENTASI QRIS DAN PENGELOLAAN RISIKO OPERASIONAL PADA PEDAGANG PASAR TRADISIONAL Ida Ayu Nuh Kartini; Riyana Astutik Ningsih; Aulia Sintya Azzahra; Waasi’u Khairunnisa; Aulya Nurul Islamiyah
BESIRU : Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2026): BESIRU : Jurnal Pengabdian Masyarakat, Januari 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/besiru.v3i1.2114

Abstract

The development of digital payment systems encourages the need for assistance for traditional market traders to adapt to the use of QRIS in a secure and effective manner. This community service activity was carried out with traditional market traders in collaboration with Bank Jatim, aiming to improve traders’ understanding of QRIS usage and operational risk management in non-cash transactions. The implementation methods included field observations, interviews with Bank Jatim officers, as well as direct socialization and education for traders regarding transaction procedures and potential operational risk. The results indicate an improvement in traders’ understanding of QRIS, particularly in terms of transaction security and error prevention. In addition, traders became more confident in accepting digital payments, which supports smoother transactions and encourages financial inclusion in traditional markets.
PENERAPAN MANAJEMEN BANK DALAM TRANSAKSI NON-TUNAI MELALUI PENGGUNAAN QRIS BCA Ida Ayu Nuh Kartini; Dava Rizqi Al Fajri; Randy Dwi Tinara; Adi Rahmad; Erlangga Rifki Saputra
BESIRU : Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2026): BESIRU : Jurnal Pengabdian Masyarakat, Januari 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/besiru.v3i1.2195

Abstract

The development of digital banking has transformed payment systems, particularly through the implementation of cashless transactions. Banking management plays an important role in ensuring efficiency, service quality, and transaction security in digital payment systems. One of the widely used digital payment instruments in Indonesia is the Quick Response Code Indonesian Standard (QRIS). Bank Central Asia (BCA), as a national private bank, provides QRIS services integrated with mobile banking applications. This community service activity aims to improve public understanding of banking management implementation through the use of QRIS BCA as an object of study. The methods used include socialization, practical assistance, and interactive discussions. The results show an increase in public awareness of operational efficiency, service management, and risk control in cashless transactions. This activity is educational and independent in nature and does not represent the official policy of PT Bank Central Asia Tbk.
Analisis Pengelolaan Risiko pada Layanan Digital Banking Bank BNI Ida Ayu Nuh Kartini; Mohammad Luqman Farandila; Bimantara Putra Ernanto; Rafi Putra Indriarto; Muhammad Thufail Musta’in
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 3 No. 1 (2026): CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah, Januari 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/cendekia.v3i1.2205

Abstract

The use of digital technology in the banking sector has changed the way people conduct transactions. Digital banking has now become the primary choice for banks to provide practical and fast services. Bank Negara Indonesia (BNI) is actively developing digital services to improve service quality. However, digital services also pose risks that can affect the security and stability of the banking system. This study focuses on identifying the risks in the use of digital banking and the risk management practices implemented by BNI. The research uses a descriptive qualitative approach with techniques of interviews, observation, and document review. The findings show that BNI's risk management is effective, although customer awareness of digital security needs to be improved.
Eksplorasi Faktor-Faktor Kepuasan Pengguna Asuransi Mandiri InHealth: Perspektif Internal Pengelola Program Ida Ayu Nuh Kartini; Mariana Peka Powo; Nico Api Sunda; Debora Kristian
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 3 No. 1 (2026): CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah, Januari 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/cendekia.v3i1.2206

Abstract

This study aims to analyze the factors that influence the satisfaction of Mandiri InHealth Insurance users among holders of Mandiri InHealth life and health insurance cards. User satisfaction is a crucial indicator in evaluating the success of health insurance services, particularly in the context of corporate partnerships. This study employs a quantitative approach, utilizing a survey method directed at Mandiri InHealth employees and staff, who are both users of Mandiri InHealth Insurance and the personnel responsible for providing life and health insurance services to corporations that utilize InHealth Insurance.The factors analyzed included the quality of service, ease of claims, speed of service, insurance benefits, and reliability of information. The results of the study indicate that all independent variables have a significant impact on user satisfaction. These findings are expected to serve as a basis for evaluation for insurance providers in enhancing service quality.
Sosialisasi Manajemen Investasi Melalui Produk Deposito Berjangka Pada Layanan Perbankan Digital Alfin Cahya Firmansyah; Herlini Sanika Rahmawati; Indra Manggala Dwi Darmawan; Ida Ayu Nuh Kartini
IRA Jurnal Pengabdian Kepada Masyarakat (IRAJPKM) Vol 3 No 3 (2025): Desember
Publisher : CV. IRA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56862/irajpkm.v3i3.377

Abstract

This community service activity aims to improve participants’ understanding of investment management through SeaBank's time deposit products. The activity employed a qualitative approach involving 30 sales employees of JAECOO in the automotive sector. The program was conducted through face-to-face socialization using lecture-based methods supported by presentation media, as well as hands-on practice in opening time deposits via the SeaBank mobile application. The materials delivered included fundamental concepts of investment management, characteristics of time deposit products, return calculation simulations, and technical tutorials on the deposit process. The results indicate a significant improvement in participants’ knowledge and skills in managing low-risk investments through digital banking services. This activity enhances financial literacy and promotes more rational investment decision-making among participants.
Pengembangan Ekonomi Kreatif Berbasis UMKM Sebagai STrategi Pemberdayaan Masyarakat Desa Gondang Kabupaten Mojokerto Ida Ayu Nuh Kartini; Tries Ellia Sandari
Sciences du Nord Community Service Vol. 3 No. 01 (2026): Sciences du Nord Community Service
Publisher : North Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71238/sncs.v3i01.158

Abstract

Kegiatan pengabdian kepada masyarakat oleh dosen Fakultas Ekonomi dan Bisnis Universitas 17 Agustus 1945 Surabaya bertujuan meningkatkan pemberdayaan ekonomi masyarakat melalui pengembangan ekonomi kreatif berbasis UMKM di Desa Gondang. Program ini dilaksanakan sebagai upaya mengatasi rendahnya inovasi produk, keterbatasan branding, pemasaran digital, dan pemanfaatan teknologi usaha. Metode kegiatan menggunakan pendekatan partisipatif melalui sosialisasi, pelatihan kewirausahaan, inovasi produk, branding, digital marketing, pendampingan usaha, serta monitoring dan evaluasi. Hasil kegiatan menunjukkan peningkatan pengetahuan dan keterampilan masyarakat dalam mengembangkan produk, memperkuat identitas usaha, serta memanfaatkan media digital sebagai sarana promosi. Program ini juga meningkatkan motivasi kewirausahaan dan potensi ekonomi lokal desa. Pengembangan UMKM kreatif diharapkan menjadi strategi berkelanjutan dalam meningkatkan daya saing usaha masyarakat melalui pendampingan, penguatan literasi digital, dan dukungan berbagai pihak.
Co-Authors Achmad Axsel Fahrezi Achmad Maulana Setia Putra Adi Rahmad Adrian Dewa Mutiara Sakti Aggraini, Nunung Akbar, Jalaluddin Mohammad Alamsyah, Muhammad Aktoriel Aldrich Azka Rama Athaariq Alfin Cahya Firmansyah Aliffia Iza Nurheta Andre Rizky Rayhan Ubaidillah Andri Hermawan Anisah Fitri Ardhea Mareta Aini Aulia Afifah Aulia Sintya Azzahra Aulya Nurul Islamiyah Aziz, M. Saiful Bagus Pranjaya Baharudin Yusuf Habibi Bimantara Putra Ernanto Darmawan, Indra Manggala Dwi Dava Rizqi Al Fajri Davin Al Aufa Setiawan Debora Kristian Della Widyasari Deni Irawan Devina Ayu Ristanti Diah Ayu Susilaningtias Djonien, Azarya B. Djumaifin, Thesalonika Dyah Ayu Sukmawati Elfan Adiel Prastino Elvira Djalil Endang Setyowati Erlangga Rifki Saputra Eva Dwi Fani Fajrin Naja, M. Afrirul Farhan Adi Faserin Sahnia Febri Ali Wijaya, Histwo Felix Chandra Pranoto Fika Syanty Ayu Febriella Fitra Aoelintiano Nico Victorian Gregorius Arie Angga Dwiputra Handa, Nur Harun Aminuddin Herlini Sanika Rahmawati Hieronimus Aldo Bagas Ariputra Ida Ayu Sri Brahmayanti Ida Bagus Cempena Ilham, M. Shafrial Indra Manggala Dwi Darmawan Intan Ayu Purnama Jauzaa Ronaa Nuur Aqiila Jeslin Cecelia Thunggal Jessicka Amelia Joyta Johana Rizky Widyastuti Khairudin Mufid Kharin Dinda Aisyah M. Afandi M. Fathur Rizki Mariana Peka Powo Meilani, Revi Moch. Afif Mohammad Luqman Farandila Muhamad Rafli Fatahila Muhammad Thufail Musta’in Muhammad Yasin Muttaqin, Muhammad Zukhruful Nasha Aurellya Putri Intiati Nekky Rahmiyati Nesya Azrina Fernanda Shalvianita Nico Api Sunda Ninik Martini Oriza Sativa Pramita Studiviany S Pramita Studiviany Soemadijo Pramita Studiviany Soemadijo Pramudhita Jessika Putri Pranoto, Felix Chandra Prasetya, Mahfud Eko Pratama, Anthon Yoga R.Frengkly Listiya Dendi Wicaksana Rafi Putra Indriarto Rahmawati, Herlini Sanika Randy Dwi Tinara Revalia Wulan Suryani Ridwanda, Zahwa Nabilla Rini Rahayu Sihmawati Risqi Tirta Diroska Riyana Astutik Ningsih Rizqi Nazal Farkhani Sajiyo Sajiyo Salwa Najiba Sandari, Tries Ellia Shafa Aqila Silvi Silvi Siti Romlah Soebandono, Mochamad Raka Putra Soemadijo, Pramita Studiviany Sonia Maylany Sophia Rani Larasati Studiviany, Pramita Sulistyorini Sulistyorini Sundari Putri Langit Kemul Mega Syailendra, Yusfi Syarief, Dwi Jayanthi Syifaul Islamiyah Tansa Sugi Karenia Tarangga Ali Ramadhani Teresya Dwigantara Wega Thesa Djumaifin Tri Hutomo Yogiantoro Tries Ellia Sandari Tries Ellia Sandari Sandari Waasi’u Khairunnisa Yeni Mustika Sari Yusak Fahrur Hamzah Zhannah, Putri Nur Miftahul