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All Journal juremi: jurnal riset ekonomi Journal of Innovation Research and Knowledge
L.M. Hasriadi
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Humanities Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences

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UJI LANGSUNG DAN TIDAK LANGSUNG TEKNOLOGI DALAM MEMITIGASI RISIKO KREDIT PADA PERBANKAN SYARIAH DI INDONESIA L.M. Hasriadi; Wilda Yanti
Juremi: Jurnal Riset Ekonomi Vol. 5 No. 1: Juli 2025
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/juremi.v5i1.10763

Abstract

The objectives to be achieved in this study are: to determine and test the credit risk management system has a direct and indirect effect on credit portfolio quality, 2) to determine and test the credit risk management system has a direct and indirect effect on credit risk mitigation through credit portfolio quality, to know and test big data has a direct effect on credit portfolio quality, 3) to know and test artificial intelligence and machine learning has a direct and indirect effect on credit portfolio quality.4) to know and test the credit process automation has a direct and indirect effect on credit portfolio quality. ) identify and test the direct and indirect effect of credit process automation on credit portfolio quality, 5) identify and test the direct effect of credit portfolio quality on credit risk mitigation. Novelty. Focus on Credit Risk in Sharia Context, because credit risk has been widely studied in conventional banking, but the focus on Islamic banking with the principles of contracts, profit sharing, and sharia values makes this research specific and contextual. 3) Technology Integration as a Strategic Variable, Research method. This research uses Partial Lesquare (PLS). Using primary data, with a sample of 675. Research findings. This study found that all exogenous variables have a significant direct and indirect effect on endogenous variables, except artificial intelligence and machine learning which have a direct effect on credit risk mitigation. Conclusion. The results of this study can be concluded that of the 13 (thirteen) hypotheses proposed all have a positive and significant direct and indirect effect on Credit Portfolio Quality and Credit Risk Mitigation.
PENGARUH PENGGUNAAN BALANCED SCORECARD TERHADAP KINERJA KEUANGAN DI PERUSAHAAN INDUSTRI MANUFAKTUR Cornelus Rante Langi; L.M. Hasriadi
Journal of Innovation Research and Knowledge Vol. 4 No. 7: Desember 2024
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/jirk.v4i7.9171

Abstract

Tujuan dari penelitian ini adalah untuk mengevaluasi dampak penggunaan Balanced Scorecard. Tentang kinerja bisnis manufaktur Indonesia, pada industri tertentu. dengan metode kuadrat terkecil parsial. Dalam penelitian ini, data terukur yang dikumpulkan dari beberapa organisasi manufaktur melalui kuesioner dianalisis. Temuan tersebut menunjukkan dampak signifikan penerapan Balanced Scorecard dalam meningkatkan kinerja bisnis , terutama jika dilihat melalui sudut pandang pelanggan, keuangan, proses internal, dan teknologi. Hasil menyoroti perlunya orgaisasi manufaktur untuk mengutamakan kebutuhan pelanggan, pengembangan sumber daya manusia, dan inovasi produk agar dapat memperoleh keunggulan kompetitif. Selain itu, penelitian ini menemukan bahwa ukuran perusahaan berperan sebagai faktor moderasi yang signifikan, dimana perusahaan yang lebih besar cenderung mendapatkan manfaat lebih besar dari penerapan Balance Scorecard. Memberikan kontribusi empiris terhadap literatur dengan menekankan pentingnya perspektif pelanggan, proses internal, keuangan, dan teknologi dalam penerapan Balance Scorecard disektor manufaktur. Penelitian ini menyoroti pentingnya mempertimbangkan karakteristik perusahaan, seperti ukuran dalam merancang dan mengimplementasikan sistem manajemen kinerja yang efektif.
Co-Authors Cornelus Rante Langi WILDA YANTI