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All Journal JDE (Journal of Developing Economies) CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia JAB (Jurnal Akuntansi dan Bisnis)
Wibawa, Tio Anta
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Enhancing Rural Economic Potential through Ecosystem Profitability Analysis: A Strategic Approach for Ultra-Micro Enterprises. Salat, Roy; Rinela, Yuniar Yesa; Chandramitasari, Widyaning; Wibawa, Tio Anta; Dewi, Nurma Gupita
Jurnal Akuntansi dan Bisnis Vol 10, No 02 (2024): Edisi Desember 2024
Publisher : Universitas YPPI Rembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47686/jab.v10i02.734

Abstract

Rural economies play a critical role in national development, yet their potential often remains underutilized due to structural and operational challenges faced by ultra-micro enterprises (UMEs). This study explores a strategic framework for enhancing rural economic potential through Ecosystem Profitability Analysis (EPA). EPA provides a holistic evaluation of interconnected economic activities within rural ecosystems, identifying synergies and gaps in resource allocation, market access, and value chain integration. By applying this approach, the study examines case studies of UMEs in rural regions, highlighting key success factors and barriers to scalability. Findings suggest that adopting EPA enables UMEs to optimize resource utilization, improve profitability, and strengthen their contribution to local economies. Recommendations are made for policymakers and development practitioners to incorporate EPA as a tool for fostering sustainable growth in rural enterprises. This research underscores the importance of ecosystem-based strategies in addressing systemic inefficiencies and empowering rural economic resilience.Keywords: Rural economics, ultra-micro enterprises, ecosystem profitability analysis, economic potential, strategic framework.
ENHANCING LOAN ORIGINATION THROUGH DIGITIZATION AND DATA ANALYTICS IN BANK BRI Setyarko, Ardhy; Nugraha, Erik Ridha; Wibawa, Tio Anta; Dewi, Nurma Gupita
Jurnal Akuntansi dan Bisnis Vol 10, No 01 (2024): Edisi Juni 2024
Publisher : Universitas YPPI Rembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47686/jab.v10i01.684

Abstract

Digitalization and data analytics in loan origination offer numerous benefits to banking institutions, including increased processing speed, improved decision-making, cost efficiencies, better customer experiences, and easier regulatory compliance. However, these advancements come with challenges such as cybersecurity risks, high initial costs, privacy concerns, technology adaptation difficulties, and system integration complexities. By implementing appropriate solutions, such as improving cybersecurity, conducting financial analyses, ensuring transparent data use, providing training, and seeking expert assistance, banks can address these limitations and fully leverage the benefits of enhanced loan origination efficiency. The adoption of digitalization and data analytics has transformed traditional loan origination processes into streamlined and efficient systems. Digitalization has enabled banks to automate workflows, reduce processing times, and improve customer experiences. Data analytics has provided banks with insights into customer behavior, credit risk, and fraud detection
Financial Access and MSMEs Performance during Pandemic COVID-19: The Moderating Role of Digitization Dewi, Nurma Gupita; Ridhasyah, Rizki; Wibawa, Tio Anta
Journal of Developing Economies Vol. 8 No. 1 (2023)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jde.v8i1.36843

Abstract

The Micro Small and Medium Enterprises (MSMEs) sector is critical pillars of the Indonesian economy. The COVID-19 pandemic has had a negative impact on MSMEs. The existence of activity violation policies, namely lockdown and social distancing, needs to be anticipated by MSME actors because it has changed consumer behavior and business competition. Digital transformation is a solution for MSMEs to survive the COVID-19 pandemic. The objective of this study is to investigate the impact of access to finance on MSME performance moderated by digitalization. This study utilized 83 MSMEs as a sample. Data was collected by distributing questionnaires to MSME owners who were selected as research samples. Data analysis was performed using the Moderated Regression Analysis (MRA) method. The results of the study indicated that digitization significantly strengthens the relationship between financial access and MSME performance. For MSME actors, digitization will also make it simpler to introduce products, boost turnover, and assist with recording and producing financial reports.
Exploring The Potential Of Artificial Intelligenge And Personalized Services In Transforming The Golf Industry Supari, Supari; Salat, Roy; Wibawa, Tio Anta; Dewi, Nurma Gupita
Citizen : Jurnal Ilmiah Multidisiplin Indonesia Vol. 5 No. 4 (2025): CITIZEN: Jurnal Ilmiah Multidisiplin Indonesia
Publisher : DAS Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53866/jimi.v5i4.938

Abstract

The golf industry, steeped in tradition and characterized by its unique culture, is currently at a crossroads, facing both unprecedented opportunities and significant challenges as it navigates the integration of Artificial Intelligence (AI) and personalized services. As technology advances, AI is becoming increasingly pivotal in transforming various aspects of golf, from enhancing equipment and training methodologies to optimizing golf course management through data-driven insights and automation. This integration not only improves operational efficiency but also enriches the overall golfing experience for players by tailoring services to meet their individual needs. Meanwhile, personalized services, which range from customized coaching programs to bespoke membership experiences, are gaining traction as a means to boost customer satisfaction and loyalty within the industry. However, the potential of these innovations is tempered by various barriers, including resistance to technological change, privacy concerns, and the need for significant investment in infrastructure. This paper aims to explore the multifaceted role of AI and personalized services in the golf industry, highlighting the opportunities they present for revenue generation and market expansion, while also addressing the challenges that must be overcome to fully realize their benefits. By examining the current landscape, this research provides insights into how the golf industry can adapt and thrive in a rapidly evolving technological environment, ensuring its relevance and sustainability amid changing consumer expectations and competitive pressures.
Co-Authors Chandramitasari, Widyaning Nugraha, Erik Ridha Nurma Gupita Dewi Ridhasyah, Rizki Rinela, Yuniar Yesa Salat, Roy Setyarko, Ardhy Supari Supari, Supari