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All Journal JAKPI Widya Akuntansi dan Keuangan INVEST : Jurnal Inovasi Bisnis dan Akuntansi International Journal of Economic, Technology and Social Sciences (Injects) Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia Jurnal Ilmu Ekonomi dan Bisnis
Muhammad Rizal
Universitas Negeri Medan
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Manajemen Risiko Operasional Dalam Industri Perbankan Syariah: Studi Literatur Putri Wulandari Nasution; Tria wulandari; Muhammad Rizal
Jurnal Ilmu Ekonomi dan Bisnis Vol 4 No 2 (2026): Oktober, Jurnal Ilmu Ekonomi dan Bisnis
Publisher : Perkumpulan Konsultan Manajemen Pendidikan Indonesia (PKMPI)

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Abstract

This study aims to examine the concept, causal factors, application, and mitigation strategies of operational risk in the Islamic banking industry through a literature study approach. The method used is a literature review with secondary data sources including scientific journals, textbooks, OJK/Bank Indonesia regulations, and previous research published between 2017–2024. The results show that operational risk in Islamic banks originates from four main factors: internal process failure, human error, information technology system failure, and external factors. The implementation of operational risk management in Islamic banking is mandated through POJK Number 65/POJK.03/2016, covering risk identification, measurement, monitoring, and control. Effective mitigation strategies include strengthening internal control systems, improving human resource quality, managed digital transformation, and active supervision by the Sharia Supervisory Board (DPS). This research is expected to serve as a theoretical and practical reference for the Islamic banking industry in addressing increasingly complex operational risk challenges.
Peran Decision Support System dalam Mendukung Pengambilan Keputusan Keuangan pada Berbagai Skala Usaha (Kecil, Menengah, dan Besar) di Indonesia Julius Andhika Prasetyo; Muhammad Rafly Dwi Desta; Haikel Bremana Gurusinga; Muhammad Rizal
Jurnal Ilmu Ekonomi dan Bisnis Vol 4 No 2 (2026): Oktober, Jurnal Ilmu Ekonomi dan Bisnis
Publisher : Perkumpulan Konsultan Manajemen Pendidikan Indonesia (PKMPI)

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The development of information technology has encouraged organizations of various business scales to utilize systems capable of supporting decision-making processes more effectively. However, many organizations have still faced challenges in making decisions due to the use of conventional methods that were less responsive to changes in the business environment. This study aimed to analyze the role of Decision Support Systems in supporting decision-making processes in small, medium, and large-scale businesses in Indonesia. The study employed a descriptive qualitative approach using a literature review method. Data were collected from various relevant secondary sources, including scientific journals, books, and other academic publications. The analysis was conducted through the processes of collecting, categorizing, and interpreting information related to the implementation of Decision Support Systems across different business scales. The findings indicated that Decision Support Systems contributed to improving the quality of decision-making by providing faster, more accurate, and data-driven information. In small-scale businesses, the system helped improve operational efficiency and resource management. In medium-scale businesses, it supported business planning and development through more comprehensive data analysis. Meanwhile, in large-scale businesses, the system was utilized to manage complex data, perform real-time monitoring, and generate strategic recommendations. Therefore, Decision Support Systems were proven to be important tools for enhancing business management effectiveness and organizational competitiveness in the digital era.
Peran Sistem Informasi Manajemen dalam Meningkatkan Efektivitas Pengambilan Keputusan Organisasi di Era Digital Gabriel Sihombing; Seven Rius Lala; Muhammad Rizal
Jurnal Ilmu Ekonomi dan Bisnis Vol 4 No 2 (2026): Oktober, Jurnal Ilmu Ekonomi dan Bisnis
Publisher : Perkumpulan Konsultan Manajemen Pendidikan Indonesia (PKMPI)

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The development of information technology has encouraged organizations to utilize Management Information Systems (MIS) to support managerial activities, particularly decision-making processes. This study aims to analyze the role of Management Information Systems in improving the effectiveness of organizational decision-making in the digital era. The research employed a qualitative approach through a literature review method by collecting and analyzing relevant journals, books, and scientific publications. The findings indicate that MIS plays a significant role in providing accurate, relevant, and timely information, thereby enhancing the quality of decision-making. Furthermore, the implementation of MIS contributes to improving operational efficiency, interdepartmental coordination, and organizational competitiveness. However, challenges such as investment costs, data security, and human resource readiness remain obstacles to effective implementation. Therefore, organizations need to optimize the utilization of MIS to support effective and sustainable decision-making processes.
Transformasi E-Business terhadap Peningkatan Pendapatan Digital melalui Sistem Informasi Manajemen pada UMKM Pengguna E-Commerce. Dinda Dwi Aprillia; Anggie Pricyla Sianturi; Muhammad Rizal
Jurnal Ilmu Ekonomi dan Bisnis Vol 4 No 2 (2026): Oktober, Jurnal Ilmu Ekonomi dan Bisnis
Publisher : Perkumpulan Konsultan Manajemen Pendidikan Indonesia (PKMPI)

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This study aims to analyze the effect of e-business transformation on increasing digital revenue through management information systems in SMEs that use e-commerce platforms. The study employs a qualitative approach using a literature review method based on journals, books, scientific articles, and relevant previous studies. The results indicate that e-business transformation through the utilization of e-commerce and management information systems can enhance the digital revenue of SMEs. The use of marketplaces, social media, and digital payment systems helps expand market reach, improve marketing effectiveness, accelerate transactions, and support more accurate decision-making. However, its implementation still faces challenges, including low digital literacy, limited technological capabilities, and intense competition on e-commerce platforms. Overall, e-business transformation contributes positively to operational efficiency and the growth of SMEs' digital revenue in the digital economy era
Analisis Komparatif Kerangka Kerja Manajemen Risiko ISO 31000 dan COSO Enterprise Risk Management (ERM): Studi Literatur Magdalena Sihotang; Alika Putri; Ulul Azmi Fadhilah; Muhammad Rizal
Jurnal Ilmu Ekonomi dan Bisnis Vol 4 No 2 (2026): Oktober, Jurnal Ilmu Ekonomi dan Bisnis
Publisher : Perkumpulan Konsultan Manajemen Pendidikan Indonesia (PKMPI)

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This study aimed to analyze and compare two widely adopted risk management frameworks, namely ISO 31000 and the COSO Enterprise Risk Management (ERM) framework. The research employed a qualitative literature review approach by collecting and examining various scientific sources, including journals, books, and official documents related to risk management. The analysis focused on identifying the concepts, principles, components, strengths, limitations, and implementation implications of both frameworks across different types of organizations. The findings indicated that ISO 31000 offers advantages in terms of flexibility, adaptability, and ease of implementation due to its emphasis on general principles, frameworks, and risk management processes. In contrast, COSO ERM places greater emphasis on integrating risk management with organizational strategy, governance, and performance, thereby supporting strategic decision-making and long-term value creation. Although both frameworks share the same objective of helping organizations manage risks effectively, they differ in their approaches and areas of focus. ISO 31000 is more suitable for organizations requiring a simple and flexible risk management system, whereas COSO ERM is more appropriate for organizations seeking a high level of integration between risk management and strategic objectives. The study also found that combining ISO 31000 and COSO ERM can create a more comprehensive risk management system by leveraging the strengths of both frameworks. Therefore, organizations should select or integrate these frameworks according to their characteristics, risk complexity, and organizational objectives to ensure effective and sustainable risk management.
Analisis Implementasi Database Management System ( DBMS ) Dalam Mendukung Sistem Informasi Manajemen Pada Organisasi Ferdi Akbar; Nuh Yabest Sinaga; Muhammad Rizal
Jurnal Ilmu Ekonomi dan Bisnis Vol 4 No 2 (2026): Oktober, Jurnal Ilmu Ekonomi dan Bisnis
Publisher : Perkumpulan Konsultan Manajemen Pendidikan Indonesia (PKMPI)

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Abstract

The development of information technology has encouraged organizations to manage data more effectively and in an integrated manner. In practice, many organizations still face various problems in data management, such as unstructured data, data duplication, slow information retrieval processes, and the risk of data loss. These conditions can affect the effectiveness of management information systems in supporting organizational activities and decision-making processes. This study aims to analyze the implementation of Database Management System (DBMS) in supporting management information systems within organizations. The study used a qualitative method with a literature study approach by collecting data from journals, books, scientific articles, and other relevant academic sources. The results, show that the implementation of DBMS plays an important role in improving data management efficiency, accelerating information access, increasing data accuracy, and supporting organizational data security. In addition, DBMS also assists management in decision-making processes because information can be obtained more quickly and systematically. However, the implementation of DBMS still faces several challenges, such as limited human resources, implementation costs, and data security risks. Therefore, organizations need to improve technological readiness, human resource quality, and security systems so that DBMS implementation can run optimally in supporting management information systems
Developing BSI Agent Networks to Strengthen Islamic Banking Financial Inclusion: Insights from an Analytic Network Process Study Ismul Fakhri Lubis; Azhari Akmal Tarigan; Andri Soemitra; Muhammad Rizal; Kaswinata Kaswinata
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 7 No. 1 (2026): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v7i1.2264

Abstract

This study examines strategies for developing Islamic banking financial inclusion services through Bank Syariah Indonesia (BSI) Agents as extended outlets for reaching underserved communities. Despite Indonesia’s large Muslim population, the outreach and service quality of Islamic banking remain limited compared to conventional banks, driven by human resource constraints, unattractive incentive structures, limited product and service features, aggressive competition from conventional bank agents, and inadequate infrastructure in remote areas. To address these challenges, this study employs the Analytic Network Process (ANP) using a qualitative approach based on expert judgment. Primary data were collected through in-depth interviews with five expert informants comprising academics, BSI practitioners, and regulators. Data collection involved observation, interviews, questionnaires, documentation, and literature review, and the analysis was conducted using the Super Decisions software. Kendall’s Coefficient of Concordance (W) was applied to assess the level of agreement among experts. The results indicate that the most critical constraints are low employee awareness, limited agent competence, unattractive incentive structures, and infrastructure limitations in remote areas. Priority solutions include increasing dedicated human resources for agent management, integrating agent performance into key performance indicators (KPIs), expanding product and service features, and strengthening below-the-line promotion. At the strategic level, the findings highlight the importance of strengthening human resources, developing robust and user-friendly digital agent platforms, and implementing cluster-based agent management. The Kendall’s W values indicate a moderate level of expert agreement, supporting the robustness of the ANP results. This study contributes to the literature on Islamic banking and financial inclusion by providing empirical, strategy-oriented insights into the development of agent-based Islamic banking services. The findings offer practical implications for banks, regulators, and policymakers seeking to strengthen inclusive, sustainable, and competitive Islamic banking ecosystems
Peran Analisis Laporan Keuangan Dalam Pengembalian Keputusan Investasi Muhammad Rizal; Gita Mori Sevira Br Tarigan; Seniman Hati Zebua
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 02 (2026): APRIL - MEI 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk menganalisis peran analisis laporan keuangan dalam mendukung pengambilan keputusan investasi. Laporan keuangan merupakan sumber informasi utama yang memberikan gambaran mengenai kondisi keuangan, kinerja, serta prospek suatu perusahaan. Melalui analisis yang tepat, investor dapat menilai tingkat kesehatan perusahaan dan mengidentifikasi peluang serta risiko yang mungkin terjadi. Metode yang digunakan dalam penelitian ini adalah pendekatan deskriptif kualitatif dengan mengkaji berbagai literatur terkait analisis laporan keuangan dan keputusan investasi. Hasil penelitian menunjukkan bahwa analisis laporan keuangan memiliki peran yang sangat penting dalam membantu investor mengambil keputusan yang rasional dan tepat. Informasi yang dihasilkan dari laporan keuangan dapat meningkatkan kepercayaan investor serta mengurangi ketidakpastian dalam berinvestasi. Oleh karena itu, pemahaman yang baik terhadap laporan keuangan menjadi salah satu faktor kunci dalam mencapai keputusan investasi yang optimal.
Peran Artificial Intelligence dalam Menciptakan Keunggulan Kompetitif Melalui Sistem Informasi Manajemen Rendinova Cahyadi Nasution; Kevin Jeremi Doniartha Saragih; Muhammad Rizal
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 03 (2026): JUNI - JULI 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Kecerdasan Buatan (AI) telah menjadi salah satu teknologi paling berpengaruh dalam bisnis modern, memungkinkan organisasi untuk meningkatkan efisiensi, kualitas pengambilan keputusan, dan kinerja kompetitif. Studi ini bertujuan untuk meneliti peran Kecerdasan Buatan dalam menciptakan keunggulan kompetitif melalui Sistem Informasi Manajemen (SIMS). Penelitian ini menggunakan pendekatan kualitatif dengan metode tinjauan pustaka melalui analisis jurnal akademik, buku, dan publikasi ilmiah yang relevan terkait AI, SIMS, dan keunggulan kompetitif. Temuan menunjukkan bahwa integrasi AI ke dalam Sistem Informasi Manajemen meningkatkan kemampuan organisasi untuk mengumpulkan, memproses, menganalisis, dan memanfaatkan data secara lebih efektif. Teknologi seperti pembelajaran mesin, pemrosesan bahasa alami, dan analitik prediktif memungkinkan organisasi untuk menghasilkan informasi yang akurat dan tepat waktu, mendukung pengambilan keputusan manajerial, dan meningkatkan efisiensi operasional. Lebih lanjut, AI berkontribusi pada keunggulan kompetitif dengan mendorong inovasi, meningkatkan layanan pelanggan, mengoptimalkan pemanfaatan sumber daya, dan meningkatkan kemampuan adaptasi organisasi terhadap perubahan lingkungan bisnis. Namun, implementasi AI juga menghadapi tantangan, termasuk masalah kualitas data, biaya investasi teknologi, masalah keamanan siber, dan kebutuhan akan sumber daya manusia yang terampil. Oleh karena itu, organisasi harus mengembangkan strategi yang tepat untuk memaksimalkan manfaat AI sekaligus meminimalkan potensi risiko. Studi ini menyimpulkan bahwa AI memainkan peran penting dalam memperkuat Sistem Informasi Manajemen dan mendukung pencapaian keunggulan kompetitif berkelanjutan di era digital
Pengaruh Tahapan SDLC terhadap Kualitas Sistem Informasi pada Perusahaan Berbasis Digital Seniman Hati Zebua; Gita Mori Sevira Br Tarigan; Muhammad Rizal
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 03 (2026): JUNI - JULI 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh tahapan System Development Life Cycle terhadap kualitas sistem informasi pada perusahaan berbasis digital. Penelitian dilakukan dengan menggunakan metode studi literatur dan pendekatan deskriptif kuantitatif terhadap penerapan tahapan perencanaan, analisis, perancangan, implementasi, pengujian, serta pemeliharaan sistem. Data diperoleh melalui pengamatan terhadap proses pengembangan sistem informasi pada beberapa perusahaan digital yang memanfaatkan teknologi informasi dalam operasional bisnisnya. Hasil penelitian menunjukkan bahwa setiap tahapan System Development Life Cycle memberikan pengaruh signifikan terhadap kualitas sistem informasi yang dihasilkan. Tahapan analisis dan pengujian ditemukan memiliki kontribusi paling besar dalam meningkatkan efektivitas, keamanan, dan keandalan sistem. Selain itu, penerapan tahapan secara terstruktur mampu meminimalkan kesalahan sistem, meningkatkan kepuasan pengguna, serta mendukung efisiensi operasional perusahaan. Penelitian ini menyimpulkan bahwa keberhasilan pengembangan sistem informasi pada perusahaan berbasis digital sangat dipengaruhi oleh pelaksanaan tahapan System Development Life Cycle yang sistematis dan terencana dengan baik.
Co-Authors adelia syahfitri akmal huda Alika Putri Andri Soemitra Anggie Pricyla Sianturi Arif Wahyudi Azhari Akmal Tarigan Balqis Zhofayra Alya Brilliant Sutrisno Sutrisno Bunga Ervinasari Daffany Viroza Debora Desnia Dinda Dwi Aprillia Fadil Azury Farega Rambe Fauziah Hanum Ferdi Akbar Ferdy Akbar Gabriel Sihombing Gita Mori Sevira Br Tarigan Haikel Bremana Gurusinga Hairunisa Astari hasan, samsurijal Haura Rifqa Hascarjani Hesly Irawanda Naibaho Ismul Fakhri Lubis Jelita Yulianti Br Sitanggang Jihan Safhira Sani Julius Andhika Prasetyo Kaswinata Kaswinata Kevin Jeremi Doniartha Saragih Khairunnisa Harahap Lestari Br Tohang Librina Tria Putri Lyla Riani Lumbantobing Magdalena Sihotang Maria Grace Octa Via Pane Marliyah Molli Wahyuni Muhammad Rafly Dwi Desta Muhammad Ridha Habibi Z Muhammad Rizki Akbar Nastiar Saputra Rangkuti Nuh Yabest Sinaga Nurlaila Nurlaila Putri Wulandari Nasution Putri Yasmin Raihan Ananda Azma Rendinova Cahyadi Nasution Seniman Hati Zebua Seven Rius Lala Siska Dentina Pasaribu Suhandi Suhandi Tapi Rumondang Sari Siregar Taufik Hidayat Tazkia Matura Panggabean Tria Wulandari Ulul Azmi Fadhilah Valentina Siringoringo Wahyu Muffti Yohana Tirta Widia Swari Simamora Yuliana Simatupang