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All Journal Kalbisocio: Jurnal Bisnis dan Komunikasi Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat
Bambang Budhijana
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Social Sciences

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Perencanaan Keuangan Untuk Mendorong Investasi Siswa SMAN 4 Depok Ossi Ferli; Bambang Budhijana; Ajeng Rida Riyanti; Catur Nugrahani; Yola Pangestu Anggraeni; Rama Aldian Putra
MENGABDI : Jurnal Hasil Kegiatan Bersama Masyarakat Vol. 2 No. 3 (2024): Juni : MENGABDI : Jurnal Hasil Kegiatan Bersama Masyarakat
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/mengabdi.v2i3.707

Abstract

Financial planning to encourage investment in SMAN 4 Depok students is carried out so that SMAN 4 Depok students understand the concept of financial planning and investment so that students start getting to know about investment from an early age. Qualitative methods were used in this study with data obtained from pre-test and post-test questionnaires to students of SMAN 4 Depok. The result obtained by researchers after conducting socialization is an increase in students' understanding of personal financial planning and investment so that they can make wise financial decisions early. The focus of material suggestions expected by SMAN 4 Depok students is advanced material related to investment, such as more specific submissions related to investment instruments. Based on the community service activities presented and the suggestions provided by the students, there is a keen interest in delving deeper into advanced investment topics. This proves that delivering financial planning and investment material with the right approach can enhance students' financial awareness and interest.
When Digital Transformation Fails: Evidence from Rural Banking and the Rise of Compliance-Driven Digitalization Monang Siringoringo; Batara Maju Simatupang; Bambang Budhijana; Antyo Pracoyo
KALBISOCIO Jurnal Bisnis dan Komunikasi Vol. 13 No. 1 (2026): KALBISOCIO Jurnal Bisnis dan Komunikasi
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/e18bhw08

Abstract

Digital transformation is widely regarded as a key driver of competitiveness and governance in the banking sector. However, empirical evidence from smaller financial institutions remains inconsistent. This study investigates why digital transformation fails to improve governance and competitiveness in rural banking institutions (BPR/BPRS). Drawing on the Resource-Based View (RBV), Dynamic Capability Theory, and Institutional Theory, digital transformation is conceptualized as a multidimensional construct comprising core banking systems, integrated channeling systems, and reporting systems (Bharadwaj et al., 2013; Verhoef et al., 2021). Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the findings reveal that digital transformation does not significantly influence governance or competitiveness. Furthermore, human capital does not moderate these relationships. These findings challenge the dominant assumption that digitalization inherently enhances organizational performance (Vial, 2019). Instead, this study introduces the concept of compliance-driven digitalization, where technology adoption is driven by regulatory pressure rather than strategic intent. This study contributes by providing a failure-based explanation of digital transformation in emerging financial systems.
Co-Authors Ajeng Rida Riyanti Antyo Pracoyo Batara Maju Simatupang Catur Nugrahani Ferli, Ossi Monang Siringoringo Rama Aldian Putra Yola Pangestu Anggraeni