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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) JURNAL EKONOMI DAN BISNIS AIRLANGGA JIM UPB (Jurnal Ilmiah Manajemen Universitas Putera Batam) SEIKO : Journal of Management & Business Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Journal of Community Service and Empowerment Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah eScience Humanity Journal La Ogi : English Language Journal International Journal of Science and Environment International Journal of Multidisciplinary Approach Research and Science Pancasila International Journal of Applied Social Science
Sulistyowati, Tussi
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Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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THE INFLUENCE OF LDR AND NPL ON THE PROFITABILITY OF RURAL BANKS: A SYSTEMATIC LITERATURE REVIEW (2021–2025) Anwar, Khairil; Pardosi, Pardomuan; Sulistyowati, Tussi; Maia, Fonseca de Jesus; Setiawan, Ervan
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 11 No 1 (2025): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Ag
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i1.1566

Abstract

Profitability is a key indicator of the sustainability of Rural Banks (BPR), which play an important role in supporting local economies. This study systematically reviews the relationship between Loan to Deposit Ratio (LDR), Non-Performing Loans (NPL), and BPR profitability using a Systematic Literature Review (SLR) approach. Articles were selected from reputable international databases published between 2015 and 2024 based on topic relevance and empirical methodology. The findings reveal that LDR has a positive impact on profitability when managed proportionally, while NPL has a significant negative effect due to increased credit risk. Rural BPR face greater challenges compared to commercial banks because of limited asset diversification and dependence on micro-agricultural sectors. This study highlights the importance of risk management, adaptive regulation, and digitalization of banking services as strategies to enhance BPR performance, and provides theoretical and practical insights for policy and managerial development.
Global Strategies in Fraud Prevention and Detection: A Systematic Review Sulistyowati, Tussi; Pandin, Maria Yovita R; Kusmaningtyas , Amiartuti
Pancasila International Journal of Applied Social Science Том 3 № 03 (2025): Pancasila International Journal of Applied Social Science
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/pancasila.v3i03.1774

Abstract

This study used a qualitative descriptive design of a systematic review of Scopus-indexed journals on fraud detection and prevention from 2021-2025, and the result was 39 relevant articles. The results highlight that fraud prevention and detection both require a harmonized approach through internal auditing, internal controls, technology solutions, and organizational factors like leadership and professional skepticism. The use of sophisticated technologies such as machine learning, deep learning, and big data analytics significantly enhances detection capabilities, especially in the case of financial transactions. Besides internal control systems, auditor skills, and whistleblower systems, there are also significant roles to be played. Ethical concerns, such as privacy and transparency issues within AI-driven systems, have been noticed as well. Managerial implications consist of keeping organizational internal controls robust, utilizing technological tools, and encouraging a culture of skepticism as well as ethical governance. Future research may focus on the long-term effectiveness of these methods, such as ethical considerations in AI, sectoral applications, and the cost-effectiveness of implementing these solutions in resource-constrained environments.
ANALISIS IMPLEMENTASI STRATEGI PEMASARAN DIGITAL MENGGUNAKAN MODEL SOSTAC PADA PT. ERHA KLINIK INDONESIA Sulistyowati, Tussi; Ansori, Ansori; Husda, Nur Elfi
JIM UPB (Jurnal Ilmiah Manajemen Universitas Putera Batam) Vol 12 No 2 (2024): Volume 12 Nomor 2 Tahun 2024
Publisher : Universitas Putera Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33884/jimupb.v12i2.8707

Abstract

This research employs a qualitative, descriptive methodology to delve into PT. Erha Clinic Indonesia's digital marketing strategies. Through interviews, observations, and documentation, the study utilizes the SOSTAC model, analyzing Situation Analysis, Objectives, Strategy, Tactics, Actions, and Control to comprehensively assess the clinic's digital marketing strategy. The research begins by examining the current state of PT. Erha Clinic Indonesia's digital marketing efforts, aligning them with their objectives. The strategic plan outlines how the clinic targets middle to upper-class individuals throughout Indonesia, aiming to become a recognized leader in the beauty and skin health industry. Leveraging the 4Ps model, PT. Erha Clinic Indonesia offers dermatological services and beauty products with standardized pricing. Additionally, the clinic maintains a strong online presence, with multiple strategically located branches and promotional activities. The content creation process and advertising tools are integral to content dissemination. The clinic continuously monitors performance, ensuring alignment with objectives. In the suggestion section, recommendations are offered to enhance the clinic's digital marketing strategy, including responsive website development, localized social media profiles, content marketing, customer engagement, data analytics utilization, personalized services, and strategic online advertising. Recommendations for clinic customers emphasize staying connected through official platforms, sharing feedback, exploring informative content, and benefiting from seasonal offers. Future research suggestions encompass in-depth channel analysis, customer preference evaluation, competitive landscape exploration, offline marketing assessment, and a comprehensive study of digital marketing implications in the healthcare and skincare sector, including regulatory and ethical aspects.
Exploring Antecedents: Key Factors Shaping Global Entrepreneurial Intention Sulistyowati, Tussi; Sukati, Inda
Indonesian Journal of Business and Entrepreneurship Vol. 10 No. 3 (2024): IJBE, Vol. 10 No. 3, September 2024
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.10.3.556

Abstract

Background: Entrepreneurship involves more than just conceiving a viable idea; it necessitates fostering the right mindset for progress. Understanding the antecedents and crucial factors influencing global entrepreneurial intention is pivotal in shaping effective entrepreneurship policies and creating an enabling environment.Purpose: This research undertakes a thorough investigation into the antecedents and crucial factors influencing global entrepreneurial intention.Design/Methodology/Approach: Utilizing a robust qualitative method through a systematic literature review, the study meticulously scrutinized 772 papers from the Scopus database spanning 2015-2024, with a specific emphasis on entrepreneurial intentions. The deliberate selection of 31 articles underscored a systematic approach, enriching the dataset with the utmost relevance.Findings/Results: Across diverse economies like Saudi Arabia, India, China, and the United States, the study uncovered various research methodologies. Insights drawn from internal, external, and personal factors were examined through the lens of the Theory of Planned Behavior, shedding light on the complexities of entrepreneurial intentions. These findings, aligned with key concepts such as motivation, creativity, and self-efficacy, underscored the theory's applicability and deepened our understanding of the multifaceted dynamics shaping entrepreneurial intentions.Conclusion: The insights derived from this study should be considered when formulating entrepreneurship policies aimed at creating an enabling environment that addresses systemic barriers and fosters a culture of entrepreneurship.Originality/Value (State of the Art): This research offers a comprehensive and systematic exploration of the factors influencing entrepreneurial intention globally, employing a qualitative method and systematic literature review. It contributes significantly to the existing body of knowledge by contextualizing the Theory of Planned Behavior within diverse economic settings, thereby enhancing our understanding of the intricate dynamics that influence entrepreneurial intentions. Keywords: antecedent, entrepreneurial intention, Scopus, systematic literature review, Theory of Planned Behavior (TPB)
Co-Authors Abdul Halik Anggraeni, Novi ansori ansori Apriani, Ai Husda, Nur Elfi Jainuddin, Jainuddin Khairil Anwar Kusmaningtyas , Amiartuti Maia, Fonseca De Jesus Nisak, Solihatun Pandin, Maria Yovita R Pardosi, Pardomuan Sam Hermansyah Setiawan, Ervan Siti Mujanah Sitorus, Budianto Sukati, Inda Susilawati Anggraini, Leny Wasiman, Wasiman