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All Journal COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat TOFEDU: The Future of Education Journal
Harti Budi Yanti
Universitas Trisakti Jakarta
Humanities Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pengaruh Shariah Governance, Capital Adequacy Ratio (CAR), dan Financing to Deposit Ratio (FDR) Terhadap Pengungkapan Islamic Social Reporting Lala Handayani; Harti Budi Yanti
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 2 No. 10 (2023): COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v2i10.634

Abstract

The purpose of this study is to know the impact of these factors on Islamic Social Repoting disclosure in the islamic banks consisting of Islamic Commercial Banking and Islamic Banking Syariah in Indonesia listed in Otoritas Jasa Keuangan. This study uses secondary data obtained from Islamic banks’s annual report from the period 2016 to 2020. The sampling method used in this study was purposive sampling technique. The analysis technical in this study used panel data regression analysis method using eviews program. Based on the result of the T test, it shows that frequency of sharia supervisory board meeting has a significant effect on islamic social reporting disclosure. Meanwhile, the size of sharia supervisory board, the sharia supervisory board expertise, capital adequacy ratio, and financing to deposit ratio have no significant effect on islamic social repoting disclosure.
An Analysis of PT Bank OCBC NISP Tbk’s Strategic Responses to Challenges in Indonesia’s Banking Industry Febrian Aldi Prasetyo; Nella Manda Maryana; Lutfi Fadilah; Harti Budi Yanti
The Future of Education Journal Vol 5 No 2 (2026): Continued
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v5i2.2065

Abstract

This research uses descriptive qualitative analysis methods to identify the strategy of PT Bank OCBC NISP Tbk (rebranded as OCBC Indonesia in November 2023) in facing challenges in the Indonesian banking industry. By using analysis based on the Triple Bottom Line (TBL) approach and the Dynamic Capabilities Framework (DCF), this research explores the steps taken by OCBC Indonesia to maintain its position amidst intense competition, both from conventional and digital banks. The research results show that OCBC Indonesia faces various challenges, such as competition from fintech, regulatory changes, and demands to integrate sustainability principles (ESG). In responding to these challenges, OCBC Indonesia strengthens its Sensing and Seizing Capabilities under the DCF through the development of digital services such as the ONe Mobile application and investment in innovative technologies such as big data and AI-powered risk management systems, while simultaneously expanding sustainability-based products such as green loans as a concrete manifestation of the Environmental pillar within the Triple Bottom Line framework. This strategy allows OCBC Indonesia to increase operational efficiency, attract the interest of investors who care about sustainability, and meet the needs of customers who are increasingly environmentally conscious.
Co-Authors Febrian Aldi Prasetyo Lala Handayani Lutfi Fadilah Nella Manda Maryana