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GENERATIVE ARTIFICIAL INTELLIGENCE SEBAGAI PENASIHAT KEUANGAN PRIBADI Rafli, Muhammad Raihan; Claudia, Meiske; Rahadhian, Liko Noor Rafianto; Syahputra, Muhammad Dio; Wahyudi, M. Haikal
KINDAI Vol 21 No 1 (2025): KINDAI
Publisher : JURNAL KINDAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35972/kindai.v21i1.2072

Generative Artificial Intelligence (GAI) telah memberikan kemudahan dalam membantu pekerjaan manusia, khususnya di bidang keuangan. GAI dapat dimanfaatkan Masyarakat sebagai penasihat keuangan pribadi, memungkinkan mereka untuk mendapatkan saran investasi yang disesuaikan dengan profil keuangan dan tujuan pribadi mereka, sehingga meningkatkan pengelolaan keuangan dan potensi keuntungan. Penelitian ini bertujuan untuk mengetahui seberapa efektif dan bagaimana kredibilitas GAI dalam perannya sebagai financial advisor. Penelitian ini menggunakan pendekatan kualitatif melalui studi literatur dengan data yang dikumpulkan melalui teori-teori dari berbagai literatur yang relevan dengan topik penelitian. Hasil penelitian menunjukkan bahwa GAI tidak dapat sepenuhnya digunakan sebagai penasihat keuangan pribadi karena hasil yang ditampilkan cenderung bias dan tidak akurat, sehingga harus disertai dengan pengawasan manusia yang salah satunya adalah dengan mengintegariskan pengetahuan dasar seperti literasi keuangan yang dengan GAI agar dapat meningkatkan pemahaman dan efisiensi pengguna terkait informasi mengenai risiko untuk memastikan bahwa keputusan yang diambil adalah yang paling sesuai dan bertanggung jawab bagi masing-masing individu. Kata kunci: artificial intelligence, penasihat keuangan, generative artificial intelligence

Green Process Innovation and its Impact on Sustainability Performance: The Mediating Role of Green Supply Chain Management in the Food and Beverage Industry Rafli, Muhammad Raihan; Makiah, Zulpa; Claudia, Meiske; Syahputra, Muhammad Dio; Aisyah, Lisda; Faridah, Rohana
Journal of Entrepreneurship & Business Vol. 6 No. 2 (2025): Journal of Entrepreneurship and Business (June)
Publisher : Program MM Universitas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/jeb.v6i2.7411

Purpose: The food and beverage sector, which contributes significantly to plastic waste in Indonesia, may reduce its usage of single-use plastics by using green process innovation (GPI). By incorporating economic and environmental goals into the strategic management of supply chain operations, Green Supply Chain Management (GSCM) can propel this. This study aims to evaluate the role of GPI and GSCM in achieving sustainable corporate performance (SP) in Indonesia, especially in the food and beverage industry. Method: Purposive sampling was used to select samples from the food and beverage industry during the 2021-2023 period which resulted in 12 companies as samples. Path analysis was used as a data analysis method in this study. After that, Warp-PLS 8.0 software was used to process the data obtained. Result: The results showed that GPI has a positive and significant influence on SP, and GPI has a positive and considerable influence on GSCM. Meanwhile, GSCM does not influence SP, and GSCM cannot mediate the influence between GPI and SP.

Effects of Financial Literacy, Financial Attitude, and Personality on Financial Management Practices Alfiriana, Novika; Juniar, Asrid; Rafli, Muhammad Raihan
SENTRALISASI Vol. 14 No. 3 (2025): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v14i3.4533

The purpose of this study is to investigate the effects of financial knowledge, financial attitudes, and personality on financial management behavior, with self-control serving as a mediating variable. The research focuses on employees of PT Bank KB Bukopin Banjarmasin, particularly in the context of post-merger performance challenges. This study seeks to fill the gap in previous research by integrating cognitive and psychological factors within a formal organizational setting. Using a quantitative explanatory approach, data were collected through a census of 75 permanent employees with a minimum of three years of service. The data were analyzed using Partial Least Squares Structural Equation Modeling to assess both direct and indirect effects among the variables. The findings indicate that FK, FA, personality, and SC significantly influence FMB. Notably, personality has the strongest effect on SC, while FK shows the most substantial direct influence on FMB. The model explains 50.8% of the variance in FMB, confirming SC as a key mediating variable. These results reinforce the Theory of Planned Behavior and suggest that improving financial literacy, fostering positive attitudes, and enhancing self-control are essential strategies for strengthening financial behavior among employees in banking institutions.

Optimizing Green Investment and CSR to Enhance Palm Oil Firm Performance in Indonesia: The Role of Financial Slack as a Moderating Factor Rafli, Muhammad Raihan; Juniar, Asrid; Salsabila, Nasywa Ghaida
Ilomata International Journal of Management Vol. 6 No. 4 (2025): October 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i4.1751

This study explores how green investment (GI) and corporate social responsibility (CSR) influence the performance of palm oil companies in Indonesia, with financial slack examined as a moderating factor. The research is motivated by the urgent need to address greenhouse gas emissions resulting from land conversion in palm oil plantations and the limited empirical studies focused on the agribusiness sector, particularly palm oil. Using a quantitative approach, the study analyzes data from eight palm oil sub-sector firms listed on the Indonesia Stock Exchange (IDX) from 2021 to 2023, generating 24 firm-year observations. Data were obtained from annual and sustainability reports, and analyzed using structural equation modeling with Partial Least Squares (SEM-PLS) via Warp-PLS 8.0. The results reveal that green investment has a significant negative impact on firm performance, while corporate social responsibility exerts a positive effect. Financial slack does not moderate the relationship between GI and performance but weakens the positive influence of CSR on performance. These findings suggest that the effectiveness of GI and CSR strategies in enhancing firm performance is contingent upon the firm’s financial condition. Moreover, in capital-intensive industries like palm oil, financial slack may complicate the intended benefits of CSR. The study’s limitations, particularly the small sample size and focus on listed companies, highlight the need for broader future research.

Optimizing Green Investment and CSR to Enhance Palm Oil Firm Performance in Indonesia: The Role of Financial Slack as a Moderating Factor Rafli, Muhammad Raihan; Juniar, Asrid; Salsabila, Nasywa Ghaida
Ilomata International Journal of Management Vol. 6 No. 4 (2025): October 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i4.1751

This study explores how green investment (GI) and corporate social responsibility (CSR) influence the performance of palm oil companies in Indonesia, with financial slack examined as a moderating factor. The research is motivated by the urgent need to address greenhouse gas emissions resulting from land conversion in palm oil plantations and the limited empirical studies focused on the agribusiness sector, particularly palm oil. Using a quantitative approach, the study analyzes data from eight palm oil sub-sector firms listed on the Indonesia Stock Exchange (IDX) from 2021 to 2023, generating 24 firm-year observations. Data were obtained from annual and sustainability reports, and analyzed using structural equation modeling with Partial Least Squares (SEM-PLS) via Warp-PLS 8.0. The results reveal that green investment has a significant negative impact on firm performance, while corporate social responsibility exerts a positive effect. Financial slack does not moderate the relationship between GI and performance but weakens the positive influence of CSR on performance. These findings suggest that the effectiveness of GI and CSR strategies in enhancing firm performance is contingent upon the firm’s financial condition. Moreover, in capital-intensive industries like palm oil, financial slack may complicate the intended benefits of CSR. The study’s limitations, particularly the small sample size and focus on listed companies, highlight the need for broader future research.

Okun’s Law: Analisis Tingkat Pengangguran Terbuka Kabupaten Banjar Ditinjau dari Perspektif Laju Pertumbuhan Ekonomi Rafli, Muhammad Raihan; Nurhafiyanisa, Nurhafiyanisa; Syafa, Mona Khairida; Aisyah, Lisda
Jurnal Bisnis, Manajemen, dan Ekonomi Vol. 5 No. 1 (2024): Jurnal Bisnis, Manajemen dan Ekonomi
Publisher : Training & Research Institute - Jeramba Ilmu Sukses

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/jbme.v5i1.1595

Unemployment is one of the main problems that is very influential and is also affected by several factors that are interrelated with each other and have a close relationship with the unemployment rate; this is because the working population contributes to the production of goods and services. Based on data obtained from the Central Bureau of Statistics, it was found that in the 2018-2021 period, there was a positive relationship between economic growth and open unemployment, and there were doubts due to the rejection of previous research results, so it is possible to analyze the level of open unemployment in Banjar Regency in terms of the rate of economic growth in 2017-2022 using the Okun's Law theory approach. This research uses a quantitative method with time series analysis using simple linear regression analysis to obtain Okun's coefficient. The results found that economic growth has no significant negative effect on the unemployment rate. In addition, the insignificant value of Okun's coefficient indicates a negatively unresponsive unemployment rate in Kabupaten Banjar, and there is an insignificant negative relationship between economic growth and the open unemployment rate. Therefore, Okun's law theory is proven not to apply in the economy of Kabupaten Banjar.

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