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All Journal ESA The Eastasouth Management and Business Economic: Journal Economic and Business
ULFANIANATUL HASANAH
Sekolah Tinggi Ilmu Syariah Abu Zairi Bondowoso
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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A Systematic Literature Review on Enterprise Risk Management: Trends, Gaps, and Future Directions Hasanah, Ulfanianatul; Rodiah, Siti; Jannah, Siti Ifa Nur
Economic: Journal Economic and Business Vol. 4 No. 3 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i3.1174

Abstract

This study presents a systematic literature review of Enterprise Risk Management (ERM), focusing on prevailing trends, methodological patterns, research gaps, and future directions over the past five years. Using a qualitative approach, the research analyzes peer-reviewed academic publications and organizational documents, particularly within the Indonesian context. The review reveals that while ERM is increasingly recognized as a strategic necessity in managing multidimensional risks, its implementation remains fragmented and often symbolic rather than substantive. Key findings highlight limited theoretical integration, a lack of longitudinal studies, and minimal exploration in developing economies. Observational data further demonstrate that ERM in Indonesian organizations is often compliance-driven and disconnected from strategic decision-making. Document analysis also reveals a gap between formal policies and practical execution, underscoring the need for improved institutional support, risk literacy, and leadership commitment. This study concludes that a paradigm shift toward value-driven, technology-enabled, and sustainability-oriented ERM is essential. The review provides a conceptual foundation for harmonizing theory and practice and offers actionable insights for future research and policy.
Evaluating Technology Acceptance and Service Quality: An Integrated TAM – TPB Approach In Digital Aplication Adoption Ulfanianatul Hasanah; Khamdan Rifa'i; Siti Masrohatin
The Eastasouth Management and Business Vol. 4 No. 02 (2026): The Eastasouth Management and Business (ESMB)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esmb.v4i02.810

Abstract

The rapid expansion of digital payment applications has transformed financial transactions, particularly among university students who are highly engaged in digital ecosystems. Understanding the factors that drive adoption and shape perceptions of service quality is essential for both theory and practice. This study aimed to evaluate the adoption of digital payment applications by integrating the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) to explain their combined effects on perceived service quality. A quantitative research design was applied using a cross-sectional survey distributed to 250 students in East Java who had experience using digital payment applications. The instrument employed a structured questionnaire measured on a five-point Likert scale, and data were analyzed using multiple regression techniques. The results revealed that perceived usefulness and attitude were the strongest predictors of perceived service quality, while perceived ease of use, subjective norms, and perceived behavioral control also contributed significantly, albeit with weaker effects. The integrated TAM–TPB model explained 57% of the variance in service quality, demonstrating a stronger explanatory power than either model alone. These findings suggest that both functional and psychosocial factors are critical in evaluating digital payment services. The study contributes theoretically by extending adoption models to the domain of service quality and provides practical insights for developers and policymakers to improve digital financial services for students.
PENGARUH KATALIS BAROKAH BANK JATIM SYARIAH DAN TECHNOLOGY ACCEPTANCE MODEL (TAM) TERHADAP LITERASI KEUANGAN SANTRI ABU ZAIRI BONDOWOSO ULFANIANATUL HASANAH
ESA Vol 6 No 1 (2024): FEBRUARI
Publisher : SEKOLAH TINGGI ILMU SYARIAH ABU ZAIRI BONDOWOSO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58293/esa.v6i1.94

Abstract

Kemajuan teknologi industri saat ini sudah menggerakkan manusia ke paradigma digital. Industri perbankan yang mendominasi sektor keuangan sedang bertransisi ke model transaksi baru berbasis IT yang dikenal dengan fintech (financial technology) seperti layanan fintech Bank Jatim Syariah berupa aplikasi Katalis Barokah yang diluncurkan di Pondok Pesantren Salafiyah Abu Zairi Bondowoso. Fokus masalah penelitian ini adalah: 1) Bagaimana pengaruh Katalis Barokah terhadap literasi keuangan?. 2) Bagaimana pengaruh persepsi kemudahan terhadap literasi keuangan?. 3) Bagaimana pengaruh persepsi kemanfaatan terhadap literasi keuangan?. Tujuan penelitian ini adalah: 1) Untuk mengetahui pengaruh Katalis Barokah terhadap literasi keuangan. 2) Untuk mengetahui pengaruh persepsi kemudahan terhadap literasi keuangan. 3) Untuk mengetahui pengaruh persepsi kemanfaatan terhadap literasi keuangan. Penelitian ini menggunakan pendekatan kuantitatif, dengan sumber data primer dan menggunakan metode survey, penelitian purposive sampling. Peneliti mengumpulkan informasi dengan menggunakan, kuesioner, dan lain-lain dengan jumlah 125 responden. Analisis Uji Validitas dan Reliabilitas, Uji Asumsi Klasik, Uji Normalitas, Analisis Regresi Linier Berganda, Pengujian Hipotesis, Uji t, Uji F dan Koefisien Determinasi (R2). Proses pengelolaan data menggunakan SPSS. Berdasarkan penelitian ini, diketahui bahwa 1) Katalis barokah berpengaruh positif dan signifikan secara parsial terhadap literasi keuangan. Nilai hasil Uji t menunjukkan (H1) variabel katalis barokah berpengaruh signifikan terhadap lierasi keuangan. Maka Ha diterima karena t hitung (1,370) > t tabel (0.176), dan nilai signifikasi lebih kecil sebesar 0.000 < 0,05 dan Ho ditolak; 2) Persepsi kemanfaatan berpengaruh positif dan tidak signifikan terhadap literasi keuangan. Nilai hasil Uji t menunjukkan (H2) variabel persepsi kemanfaatan ditolak karna tidak berpengaruh signifikan terhadap literasi keuangan karena nilai signifikasi 0.904 > 0,05, kriteria pengujian bisa diterima jika t hitung > t tabel (0.176), maka Ho tidak dapat ditolak karena sig. > 0,05 atau Ha ditolak; 3) Persepsi kemudahan berpengaruh positif dan tidak signifikan terhadap literasi keuangan. Nilai hasil Uji t yang menunjukkan bahwa (H3) variabel persepsi kemudahan ditolak karna tidak berpengaruh signifikan terhadap literasi keuangan karena nilai signifikasi 0.801 > 0,05, kriteria pengujian bisa diterima jika t hitung > t tabel (0.176), maka Ho tidak dapat ditolak karena sig. > 0,05 atau Ha ditolak.
EVOLUSI PEMIKIRAN EKONOMI ISLAM DI INDONESIA: DARI TRADISI KE MODERNISASI Ulfanianatul Hasanah; Nurlaila Madinatul; Nurul Setianingrum; Retna Anggitaningsih
ESA Vol 7 No 1 (2025): FEBRUARI
Publisher : SEKOLAH TINGGI ILMU SYARIAH ABU ZAIRI BONDOWOSO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58293/esa.v7i1.122

Abstract

This study explores the evolution of Islamic economic thought in Indonesia, from traditional practices to modernized systems. The scope includes tracing significant transformations in Islamic economics and its adoption in the financial and social sectors. The purpose of the study is to analyze how traditional Islamic economic principles have adapted to contemporary economic demands. Using a qualitative descriptive approach, this research employs library research to gather insights from academic works and historical documents. The findings reveal three major phases in the development of Islamic economic thought in Indonesia: the traditional phase, the modern phase marked by the establishment of Islamic financial institutions, and the contemporary phase, where Islamic finance has become more integrated into the national economy. The study concludes that, despite modernization, Islamic economics in Indonesia remains grounded in core principles of social justice, economic freedom, and responsibility. This evolution underscores the potential of Islamic economics to offer sustainable economic solutions aligned with both religious values and modern needs.
Co-Authors Jannah, Siti Ifa Nur Khamdan Rifa&#039;i Nurlaila Madinatul Nurul Setianingrum Retna Anggitaningsih Siti Masrohatin siti rodiah