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All Journal International Journal of Applied Finance and Business Studies Jurnal Ilmiah MADIYA: Masyarakat Mandiri Berkarya Jurnal Akuntansi, Keuangan dan Perpajakan
Jati, Fatma Dwi
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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Integrating Risk Management Frameworks: Practical Steps to Mitigate Inherent Risks Simbolon, Novi Handayani; Jati, Fatma Dwi; Siahaan, Sondang Beatrix
Jurnal Akuntansi, Keuangan dan Perpajakan Vol. 7 No. 2 (2024): Edisi Agustus
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51510/jakp.v7i2.1991

Abstract

Banking activities are currently growing very rapidly, both in the external environment and the internal banking environment. All of these activities meet with an uncertainty related to the probability of these activities being carried out successfully according to plan or not, so that various kinds of risks arise. The wider range of banking business activities will also be followed by the increasingly complex risks in banking activities. This research aims to analyze the implementation  of risk management to avoid or reduce the impact caused if the risk occurs through qualitative analysis. Descriptive qualitative research aims to describe the application of risk management to mitigate these risks in detail and in depth, so as to obtain an understanding of the context, meaning, and characteristics of the results of the analysis by collecting and analyzing data descriptively. Descriptive qualitative research focuses on an in-depth understanding of a problem without trying to test hypotheses or measure variables quantitatively.
Overcoming the challenges of ai adoption in banking sector: Security, regulation, and infrastructure Simbolon, Novi Handayani; Jati, Fatma Dwi; Siahaan, Sondang Beatrix
International Journal of Applied Finance and Business Studies Vol. 13 No. 1 (2025): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i1.364

Abstract

The adoption of Artificial Intelligence (AI) in the banking sector has rapidly expanded, because bringing benefits in areas such as risk assesment, fraud detection, and personalized services. However, AI adoption faces significant challenges related to security, regulation, and infrastructure. While previous research has explored AI’s potential, there is a gap in comprehensive studies addresing these core challenges, particularly in emerging markets. This research aims to identify and analyze the main barriers to AI adoption in banking, focusing on security, regulatory issues, and infraastructure readiness. A systematic literature review was conducted, synthesizing findings from academic articles, banking reports, and regulatory guidelines published between 2020 and 2024. The result reveal that concerns over data security, inconsistent regulations, and insuffiecient infrastructure hinder AI’s full potential. The concludes of this research showed banks must prioritize cybersecurity, advocate for clearer regulations, and invest in digital infrastrcuture to ensure the secure AI adoption in banking activities.
Penguatan Strategi Melalui Tips Dan Trik Belajar Siswa Kelas 12 Untuk Kelulusan Perguruan Tinggi Negeri Listya, Khanti; Jazuli, Muhammad Asrin; Jati, Fatma Dwi
Jurnal Ilmiah Madiya (Masyarakat Mandiri Berkarya) Vol. 4 No. 2 (2023): Edisi November 2023
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51510/madiya.v4i2.1505

Abstract

Bimbingan belajar Primagama Tanjung Morawa merupakan salah satu bimbingan belajar setingkat SD sampai SMA. Pada pengabdian masyarakat ini difokuskan siswa setingkat SMA/MA khususnya kelas 12 SMA. Hal ini dikarenakan kurangnya pengetahuan tentang jalur masuk perguruan tinggi negeri dan kurangnya persiapan siswa kelas 12 SMA di Bimbingan Belajar Primagama Tanjung Morawa dalam menghadapi SNBP (Seleksi Nasional Berdasarkan Prestasi) dan SNBT (Seleksi Nasional Berbasis Tes). PMKM ini bertujuan untuk memberikan pemahaman dan pengetahuan kepada siswa kelas 12 SMA tentang jalur masuk perguruan tinggi negeri dan strategi yang tepat dalam menghadapi SNBP dan SNBT. Metode pelaksanaan PMKM ini terdiri dari tahap persiapan, tahap pelaksanaan, tahap evaluasi. Dimana pada tahap persiapan ini dilakukan obeservasi untuk mengetahui kondisi awal mitra, tahap pelaksanaan dilakukan dengan melaksanakan seminar sebagai solusi, dan tahap evaluasi dilakukan dengan cara membagikan kuesioner sebagai umpan balik bagi tim PMKM untuk mengetahui pehamaman mitra setelah dilaksanakannya seminar. Dari hasil seminar tersebut, diperoleh bahwa pemahaman siswa terkait jalur penerimaan mahasiswa di PTN dan strategi untuk mempersiapkan diri menghadapi SNBP dan SNBT setelah mengikuti kegiatan tersebut lebih meningkat daripada sebelumnya. Primagama Tanjung Morawa Tutoring is one of the elementary to high school level tutoring. This community service focuses on students at the SMA / MA level, especially grade 12 SMA. This is due to the lack of knowledge about public university entrance pathways and the lack of preparation of 12th-grade high school students at Primagama Tanjung Morawa Tutoring in facing SNBP (National Selection Based on Achievement) and SNBT (National Selection Based on Test). This PMKM aims to provide understanding and knowledge to 12th-grade high school students about public university entrance pathways and the right strategies for facing SNBP and SNBT. The method of implementing this PMKM consists of the preparation, implementation, and evaluation stages. In this preparation stage, observation is carried out to find out the initial condition of the partners, the implementation stage is carried out by conducting seminars as a solution, and the evaluation stage is carried out by distributing questionnaires as feedback for the PMKM team to find out the understanding of partners after the seminar. The seminar results showed that students' understanding related to admission pathways at PTN and strategies to prepare for SNBP and SNBT after attending the seminar improved.
Co-Authors Jazuli, Muhammad Asrin Khanti Listya Novi Handayani Simbolon Siahaan, Sondang Beatrix