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All Journal International Journal of Artificial Intelligence Research International Humanities and Applied Science Journal Journal of Humanities and Social Studies Diklat Review : Jurnal manajemen pendidikan dan pelatihan KAIBON ABHINAYA : JURNAL PENGABDIAN MASYARAKAT JIIP (Jurnal Ilmiah Ilmu Pendidikan) Madaniya Jurnal Riset Ilmu Ekonomi Unram Journal of Community Service (UJCS) Accounting Studies and Tax Journal Digital Business Progress
Devy Mawarnie Puspitasari
Universitas Mercu Buana
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Resilience Rural Banks Pasca Covid-19 Puspitasari, Devy Mawarnie; Chin, Jacky; Dasman, Sunita; Indriani, Poppy; Saputro, Rizal Sigit
International Journal of Artificial Intelligence Research Vol 8, No 1.1 (2024)
Publisher : Universitas Dharma Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29099/ijair.v8i1.1.1342

Abstract

Beginning with a health crisis, the Covid-19 pandemic has had a domino effect on social, economic, and financial aspects. The economy has experienced a slowdown, accompanied by a decline in purchasing power due to reduced income. Tourist areas have become completely deserted, resulting in a lack of income and economic activity. The impact of the pandemic has inevitably spread to the banking sector, particularly affecting Rural Banks (known as BPR). The role of BPR, as part of the government's strategy for local economic development and labor absorption, has also been disrupted. In Indonesia, BPR has long been the backbone of microfinance, serving micro, small, and medium enterprises (MSMEs). However, the Covid-19 pandemic has shaken this sector, forcing BPRs to confront challenges while exploring new opportunities for resilience. This research recommends that Rural Banks strengthen risk management and operational efficiency to enhance their resilience in the future.This research contributes to the existing literature by providing a focused analysis of Rural Banks specific financial performance variables and recommends that Rural Banks strengthen risk management and operational efficiency to enhance their resilience in the future. The research employs logit analysis to develop a prediction model. The findings indicate that the resilience model can serve as a predictive tool for BPR resilience in the post-pandemic period, supporting economic empowerment, particularly for MSMEs and labor absorption. This study introduces the concept of Off-Balance Sheet management as a strategic tool for enhancing resilience, which has been underexplored in the context of rural banking in Indonesia.
The Influence of Financial Technology on the Advancement of Financial Inclusion in Micro, Small, and Medium Enterprises (MSMEs) in West Java Hapsari, Ajeng Andriani; Puspitasari, Devy Mawarnie
Accounting Studies and Tax Journal (COUNT) Vol. 1 No. 1 (2024): Accounting Studies and Tax Journal (COUNT)
Publisher : Penelitian dan Pengembangan Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62207/5v4t9q48

Abstract

The aim of composing this article is to investigate how a whole lot of impact on fintech (risk and investment management, market provisioning, and cashless society) has on financial inclusion (financial knowledge, financial behavior and financial attitudes) in MSMEs in West Java. The research completed is a kind of quantitative study. The population of this research is the MSME industry in West Java with a focus on the usage of archival statistics. This research uses descriptive evaluation and classical assumption exams. The results indicate that the financial technology variables (risk and investment and market provisioning) have no effect on economic inclusion (financial knowledge, financial behavior and financial attitudes) while the fintech variables (cashless society) have an impact on financial inclusion (financial knowledge, financial behavior and financial attitudes).
PENINGKATAN KEMAMPUAN PERENCANAAN KEUANGAN GENERASI Z MELALUI LITERASI KEUANGAN DAN PENGALAMAN KEUANGAN Utami, Eristy Minda; Puspitasari, Devy Mawarnie; Nursjanti, Farida
Diklat Review : Jurnal manajemen pendidikan dan pelatihan Vol. 6 No. 2 (2022): Kolaborasi Pendidikan, Pelatihan, dan Pemberdayaan untuk Penguatan Kapasitas Ma
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/diklatreview.v6i2.1104

Abstract

Aktivitas di pasar modal dalam tiga tahun terakhir didominasi oleh Generasi Z. Namun, Generasi Z dinilai belum memiliki kesadaran dan pemahaman yang cukup tentang perencanaan keuangan dan literasi keuangan yang merupakan hal penting dalam berinvestasi. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan pengalaman keuangan terhadap perencanaan keuangan. Populasi dalam penelitian ini adalah mahasiswa S1/D3 manajemen Universitas Widyatama yang mengikuti kegiatan PKM: Smart Financial Planning for Better Life. Teknik pengambilan sampel yang digunakan adalah Non Probability Sampling-purposive sampling dengan jumlah sampel sebanyak 100 responden. Analisis data yang digunakan adalah regresi linier berganda dengan taraf signifikansi 5%. Hasil penelitian menunjukkan bahwa literasi keuangan dan pengalaman keuangan berpengaruh terhadap perencanaan keuangan. Hasil penelitian ini diharapkan dapat menambah pengetahuan dalam pengelolaan keuangan sebagai upaya meningkatkan kualitas perencanaan keuangan investor melalui peningkatan literasi keuangan dan pengalaman keuangan.
THE EFFECT OF WORK MOTIVATION, WORK LOAD AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE OF PT. BARA BENTALA INDONESIA Saputro, Galih Eko; Puspitasari, Devy Mawarnie
International Humanities and Applied Science Journal Vol 8, No 3 (2025): VOLUME 8, ISSUE 3, 2025
Publisher : Universitas Mercu Buana

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

Abstract

This study aims to examine the effect of work motivation, workload, and work discipline on employee performance at PT. Bara Bentala Indonesia. The research method used is a quantitative method with Partial Least Square (PLS) analysis tools. The population in this study was 40 employees of PT. Bara Bentala Indonesia using a quantitative descriptive approach. The sample of this study was all employees working at PT. Bara Bentala Indonesia. Determination of sample size using saturated samples, namely taking the entire population. The data collection method uses a survey method with a questionnaire as the research instrument. The results of the data processing show that work motivation has a significant and positive effect on employee performance and the work discipline variable has a significant and positive effect on employee performance. While the workload variable does not affect the performance of employees at PT. Bara Bentala Indonesia.  Keywords: Work Motivation, Work Load, Work Discipline, Employee Performance
Co-Authors Ajeng Andriani Hapsari, Ajeng Andriani Amaliwiati, Lia Andriansyah Bachtillah Bachtillah, Andriansyah Chin, Jacky Eristy Minda Utami Eristy Minda Utami Farida Nursjanti Fitrianingsih Fitrianingsih Kusuma, Spaikurahman Lia Amaliawiati Lia Amaliwiati Matsani Matsani Napitupulu, Sotarduga Nursjanti, Farida Poppy Indriani Rahayu, Piki Rosdiana, Riska Saputro, Galih Eko Saputro, Rizal Sigit Sihite, Heryanto Romario Sotarduga Napitupulu Sunita Dasman Utami, Eristy Minda Yuliani, Reva Zulpianda Nublah