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Permasalahan Kasus Bank Century Beserta Penyelesaian: Permasalahan Kasus Bank Century Beserta Penyelesaian Putra, Saiful Aminudin Al Kusuma; Diarra, Salim; Yaqin, Mohamad Ainul; Asmawan, Yudhi Ferdi Andri; Hamiduddin, Ahmad Yahya; Hikmah, Nuril
REMB : Research Economics Management and Business Vol 3 No 2 (2025): REMB : Research Economics Management and Business
Publisher : Universitas Pendidikan Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36232/remb.v3i2.1993

Abstract

Krisis keuangan global pada tahun 2008 memberikan dampak yang serius terhadap sektor perbankan nasional, salah satunya ditandai dengan kasus Bank Century. Bank ini mengalami permasalahan likuiditas dan solvabilitas yang berakhir pada penarikan dana nasabah secara terburu-buru, sehingga ditetapkan sebagai bank gagal berdampak sistemik oleh Komite Stabilitas Sistem Keuangan (KSSK). Penelitian ini bertujuan untuk menganalisis strategi penyelamatan Bank Century, penerapan Good Corporate Governance (GCG), serta peran inovasi digital dalam upaya memperkuat ketahanan sistem perbankan di Indonesia. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan pendekatan studi kasus, menggunakan data sekunder dari dokumen resmi, laporan lembaga keuangan, dan literatur akademik. Hasil penelitian menunjukkan bahwa penyelamatan Bank Century dilakukan melalui pemberian Fasilitas Pendanaan Jangka Pendek (FPJP), pengambilalihan oleh Lembaga Penjamin Simpanan (LPS), penempatan manajemen, serta pengalihan aset dan liabilitas kepada bank perantara. Selain itu, penerapan prinsip-prinsip GCG dan penguatan inovasi digital menjadi langkah strategi untuk meningkatkan efisiensi, transparansi, dan daya saing perbankan nasional. Kasus Bank Century menjadi pelajaran penting bagi otoritas keuangan dalam membangun sistem perbankan yang sehat dan tangguh menghadapi risiko sistemik.
Entrepreneurship Education and Entrepreneurial Intention: The Moderating Roles of Financial and Entrepreneurial Literacy in Higher Education Hasyim, Sitti Hajerah; Isma, Andika; Dewantara, Hajar; Diarra, Salim
Quantitative Economics and Management Studies Vol. 6 No. 5 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.qems4349

Abstract

This study investigates whether and how entrepreneurship education (EE) shapes university students’ entrepreneurial intention (EI) in Makassar, Indonesia, focusing on the roles of financial literacy (FL) and entrepreneurial literacy (EL). We conducted a cross-sectional survey of students who had taken entrepreneurship-related courses. Regression-based path analysis was used to estimate direct effects from EE to EI and to test capability-building links from EE to FL and EL. We examined both indirect (mediation) effects via FL and EL using bootstrapped estimates and the conditional (moderation) influence of FL and EL on the EE→EI relationship. EE exerts a positive and significant direct effect on EI (β = 0.276, p < .001). EE also predicts higher levels of FL and EL, and each literacy is positively associated with EI. Indirect-effect tests indicate partial mediation: EE increases EI in part because it builds FL and EL, which subsequently elevate intention. In addition, higher levels of FL and EL strengthen the EE→EI link, consistent with a conditional (moderation) role for these literacies. EE is most impactful when it is competence-rich. Embedding structured financial planning, market validation, and venture design practices into EE—paired with authentic assessments (e.g., pro formas, MVPs, incubator sprints)—should yield larger gains in EI than theory-only formats. By jointly modeling capability-building (mediation) and capability-amplifying (moderation) roles of FL and EL, this study clarifies how and when EE translates into stronger entrepreneurial intention in an emerging-market higher-education context.
Mapping Competitive Advantage in Competitive Markets: Analysis on the Creative Industry Sector in Southeast Asia Fatmawati, Fatmawati; Nurbayani, Sri Undai; Isma, Andika; Alisyahbana, Andi Naila Quin Azisah; Diarra, Salim
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 5 No. 5 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku4473

Abstract

This study conducts a ten-year systematic mapping of competitive advantage within Southeast Asia’s creative industries, synthesizing insights from interdisciplinary literature to identify the key drivers shaping competitiveness in the region. The findings reveal that competitive advantage has shifted from traditional determinants toward an integrated model driven primarily by digital capability, innovation dynamics, and ecosystem support. Digital capability emerges as the most influential factor, enabling firms to enhance visibility, accelerate market reach, and adapt to rapidly changing platform environments. Innovation capability and dynamic organizational competencies further strengthen long-term competitiveness by facilitating continuous renewal, creative experimentation, and strategic resource reconfiguration. The analysis also highlights the central role of ecosystem governance, particularly public policy, infrastructure readiness, and institutional coordination in shaping industry performance. Countries with well-developed creative ecosystems, such as Singapore and Malaysia, demonstrate higher innovation maturity and digital integration, while others rely more heavily on community-driven or informal creative clusters. Platform-based competition and the rise of creator-led economies introduce new logics of value creation, emphasizing algorithmic mastery, content interactivity, and community engagement as key competitive mechanisms. Sustainability and cultural differentiation play equally significant roles, as creative firms increasingly integrate ethical practices, cultural authenticity, and collaborative partnerships to strengthen long-term relevance. Overall, the study concludes that competitive advantages in Southeast Asia’s creative industries is formed through the synergy of digital capability, innovation, ecosystem structures, cultural assets, and sustainability. These findings underscore the need for targeted policies, regional collaboration, and strategic digital development to position Southeast Asia as a globally competitive creative hub.
Do Democracy and Investment Promote Regional Economic Performance? Evidance from Panel Data Analysis Isma, Andika; Fitrianti, Retno; Alisyahbana, Andi Naila Quin Azisah; Diarra, Salim
Quantitative Economics and Management Studies Vol. 6 No. 6 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.qems4483

Abstract

This study investigates whether democracy and investment promote regional economic performance in Indonesia. It employs panel data for 34 provinces over the period 2021–2023, modelling real GRDP per capita as a function of provincial democracy, investment, central government transfers per capita, and population. The empirical analysis is conducted using EViews 13, comparing pooled OLS, random effects, and fixed effects specifications; Chow, Breusch–Pagan LM, and Hausman tests consistently indicate that the fixed effects model is the most appropriate. The estimation results show that provincial democracy, as measured by the Indonesian Democracy Index, does not exert a statistically significant direct effect on regional economic performance within the short observation window. By contrast, investment displays a positive and robust association with real GRDP per capita across specifications, confirming its role as the main proximate driver of regional growth. Central government transfers per capita and population do not exhibit a stable growth-enhancing effect and, in some cases, are weakly or negatively associated with regional output. The findings of this study indicate that, in the short run, investment is the key channel through which regional economies respond to institutional and fiscal environments, while democracy operates more as a deep institutional background whose economic impokact is not immediately visible in annual growth outcomes.
Optimizing the Use of Working Capital in an Effort to Increase Company Profitability Darwin, Dirmansyah; Suardi, Soni; Diarra, Salim; Soediro, Moses; Grasielda, Ivana
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 2 No 1 (2024): Volume 2, Issue 1, January-April 2024
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v2i1.291

Abstract

This research aims to determine the optimization of the use of working capital in an effort to increase company profitability at PT. Semen Indonesia (Persero) Tbk. This research is quantitative descriptive. The population in this research is the financial statements of PT. Semen Indonesia (Persero) Tbk, and the sample for this research is the financial report of PT. Semen Indonesia (Persero) Tbk for the 2019-2023 period. The data collection technique used is financial ratios, namely liquidity ratios using the current ratio, activity ratios using working capital turnover, and profitability ratios using Net Profit Margin (NPM). The research results show that efficient use of working capital can increase company profitability. The results of data analysis from the assessment of each ratio can be concluded that the liquidity ratio using the current ratio calculation can be said to be quite good during the 2019-2023 period. The activity ratio using working capital turnover calculations is said to be good during the 2019-2021 period, but in the 2022-2023 period the activity ratio is categorized as not good. Profitability ratios using NPM obtained fluctuating results during the 2019-2023 period. The company's NPM in 2019-2021 was efficient, but in 2022-2023 the company's NPM was categorized as inefficient.
How Do Entrepreneurship Education, Innovation, and Subjective Norms Influence Entrepreneurial Interest Through Self-Confidence Among University Students? Isma, Andika; Diarra, Salim
Pinisi Journal of Entrepreneurship Review Vol. 3 No. 1 (2025): Pinisi Journal of Entrepreneurship Review
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/pjer.v3i1.7717

Abstract

In today’s complex global environment, entrepreneurship plays a crucial role in driving economic growth and creating job opportunities. Recent trends show that young generation, particularly university students, hold significant potential to become future entrepreneurs. However, in Indonesia, the level of entrepreneurial interest among students remains relatively low compared to that in developed countries. This highlights the urgency to develop a supportive entrepreneurial ecosystem, especially within higher education. This study aims to investigate the direct and indirect effects of entrepreneurship education, innovation, and subjective norms on entrepreneurial interest, with self-confidence as a mediating variable. A quantitative explanatory approach was used, involving 103 students selected through proportional random sampling from a public university. Data was collected via an online structured questionnaire and analyzed using path analysis techniques. The results indicate that entrepreneurship education, innovation, and subjective norms significantly influence entrepreneurial interest both directly and indirectly through self-confidence. Self-confidence also demonstrates a significant mediating role, enhancing the pathway from psychological and contextual factors to entrepreneurial interest. These findings provide actionable insights for educators and policymakers to design more comprehensive entrepreneurship programs that foster innovation and psychological readiness. Encouraging self-confidence among students could be a key strategy to bridge the gap between entrepreneurial potential and interest in higher education.