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All Journal Jurnal Informatika dan Teknik Elektro Terapan Format : Jurnal Imiah Teknik Informatika Journal Of Management Science (JMAS) Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Dicky Octaviano
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Tantangan dan Peluang Pembiayaan Syariah Non-Bank dalam Meningkatkan Kesejahteraan Masyarakat Dicky Octaviano; Dhea Puspa Ayu Nanda; Mohamad Maula Asy’ari; Arief Safari; Amelia Amelia
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 4 No. 2 (2024): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v4i2.872

Abstract

Non-bank Islamic financing has a strategic role in supporting financial inclusion and improving the welfare of the Indonesian people. This study analyzes the challenges and opportunities of non-bank Islamic financing, focusing on Islamic cooperatives, Baitul Maal wat Tamwil (BMT), and Islamic fintech platforms. A descriptive qualitative approach based on literature study is used to explore the historical dimensions, structural challenges, strategic opportunities, and socio-economic impacts of this sector. The results show that this sector faces major obstacles, such as low Islamic financial literacy (below 10%), limited regulations, and lack of technological adaptation. However, significant opportunities arise from the development of financial technology, government policy support, and increasing global awareness of sustainable finance. Islamic principles, such as profit sharing and social justice, are advantages that can empower micro, small, and medium enterprises (MSMEs) and remote communities. This study recommends strategies to overcome the challenges, including increasing financial literacy through digital education, strengthening innovative regulations, and utilizing Islamic-based technology. Cross-sector collaboration and human resource development are also key elements to support the growth of this sector. The contribution of the research lies in a holistic analytical framework to understand the dynamics of non-bank Islamic financing, as well as strategic recommendations to optimize its potential. Thus, this sector is expected to be a driving force for inclusive and sustainable economic development in Indonesia.
EFISIENSI ALOKASI ANGGARAN DAERAH DAN STIMULASI INVESTASI MELALUI SISTEM INFORMASI PEMERINTAHAN TERINTEGRASI Octaviano, Dicky
Jurnal Informatika dan Teknik Elektro Terapan Vol. 14 No. 1 (2026)
Publisher : Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jitet.v14i1.8960

Abstract

Fiscal decentralization in Indonesia grants extensive autonomy to local governments in budget allocation, yet it often encounters inefficiencies due to data fragmentation and the lack of real-time information integration. This conceptual study examines the potential of integrated government information systems to improve regional budget allocation efficiency and stimulate local investment. Based on a systematic literature review and gap analysis, this study proposes an extension of the Updated DeLone and McLean Information Systems Success Model by incorporating a Fiscal Policy Impact dimension within Net Benefits. The proposed framework highlights the role of real-time analytics in supporting evidence-based budgeting, reducing subsidy inefficiencies, and enhancing Regional Original Revenue (PAD). The analysis indicates that integrated digital platforms have the potential to improve fiscal efficiency by 10–20 percent and strengthen regional investment capacity. This study contributes theoretically by extending IS success evaluation to the fiscal decentralization context and practically by providing policy-relevant insights for digital transformation in Indonesia’s public sector.
Full Costing Method for Determining Cost of Goods Manufactured and Its Impact on Managerial Pricing Decisions: Evidence from a Grilled Chicken MSME in Indonesia Octaviano, Dicky; Rahmah, Sufia
Junal Ilmu Manajemen Vol 9 No 1 (2026): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

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Abstract

The culinary MSME sector in Indonesia, particularly grilled chicken businesses, often relies on simplistic cost calculations that overlook fixed overheads, leading to inaccurate cost of goods manufactured (COGM) and suboptimal pricing decisions. This case study applies the full costing method to determine COGM and examines its impact on managerial decisions at Ayam Bakar 3 Putri, a small grilled chicken enterprise in Cipondoh, Tangerang. Using a quantitative case study approach, primary data were collected through documentation, semi-structured interviews, and direct observation during one production cycle (May 2025). The full costing analysis incorporates direct materials, direct labor, variable overheads (e.g., LPG, packaging), and fixed overheads (e.g., maintenance, utilities), yielding a total production cost of Rp 6,929,000 for 416 portions, or Rp 16,656 per unit—higher than the previous simplistic calculation. Findings reveal the prior selling price of Rp 15,000 failed to cover actual costs, risking losses. Consequently, management adjusted the price to Rp 18,500–19,000 (with a 10% profit margin) while implementing operational efficiencies, such as supplier selection and workflow optimization. This adjustment enhances profitability and sustainability amid market competition. The study contributes to the limited literature on full costing in ready-to-eat culinary MSMEs by demonstrating its value for accurate cost visibility and informed pricing in high-competition, daily-operational contexts, unlike prior research focused on manufacturing or raw processing industries
Applied Informatics in SME Digital Transformation: Integrating Bai Salam Islamic Contracts with Odoo ERP System in the Garment Industry Octaviano, Dicky
FORMAT Vol 15, No 1 (2026)
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/format.2026.v15.i1.010

Abstract

In the era of digitalization, Small and Medium Enterprises (SMEs) in Indonesia face challenges in managing Sharia-compliant transactions efficiently. This study applies informatics principles to integrate Bai Salam contracts (prepaid forward sales in Islamic finance) into the open-source Odoo ERP system at a garment SME in Bekasi. Using a qualitative descriptive case study with mixed methods, we customized Odoo modules for transaction recording, inventory management, and real-time reporting to ensure Sharia compliance and operational transparency. Results show a 13% improvement in financial performance ratios (from 1.15 to 1.28) and reduced transaction errors by 85%, demonstrating the efficacy of applied informatics in enhancing SME efficiency. This framework provides practical guidelines for informatics-driven digital transformation in Sharia-based SMEs.
Co-Authors Amelia Amelia Arief Safari Dhea Puspa Ayu Nanda Mohamad Maula Asy’ari Rahmah, Sufia