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All Journal Indatu Journal of Management and Accounting Jurnal Solusi Masyarakat Dikara
Syahyana, Ahmad
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Social Sciences Other

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Credit Card Fraud Detection Through Explainable Artificial Intelligence for Managerial Oversight Muksalmina, Muksalmina; Syahyana, Ahmad; Hidayatullah, Ferdy; Idroes, Ghalieb Mutig; Noviandy, Teuku Rizky
Indatu Journal of Management and Accounting Vol. 3 No. 1 (2025): June 2025
Publisher : Heca Sentra Analitika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60084/ijma.v3i1.301

Abstract

As digital payment systems grow in volume and complexity, credit card fraud continues to be a significant threat to financial institutions. While machine learning (ML) has emerged as a powerful tool for detecting fraudulent activity, its adoption in managerial settings is hindered by a lack of transparency and interpretability. This study examines how explainable artificial intelligence (XAI) can enhance managerial oversight in the deployment of ML based fraud detection systems. Using a publicly available, simulated dataset of credit card transactions, we developed and evaluated four ML models: Logistic Regression, Naïve Bayes, Decision Tree, and Random Forest. Performance was assessed using standard metrics, including accuracy, precision, recall, and F1-score. The Random Forest model demonstrated superior classification performance but also presented significant interpretability challenges due to its complexity. To fill this gap, we applied SHAP (SHapley Additive exPlanations), a leading method for explaining the outputs of the Random Forest model. SHAP analysis revealed that transaction amount and merchant category were the most influential features in determining the risk of fraud. SHAP plots were used to make these insights accessible to non-technical stakeholders. The findings underscore the importance of XAI in promoting transparency, facilitating regulatory compliance, and fostering trust in AI-driven decisions. This study offers practical guidance for managers, auditors, and policymakers seeking to integrate explainable ML tools into financial risk management processes, ensuring that technological advancements are balanced with accountability and informed human oversight.
Membangun Minat Investasi Melalui Pelatihan Simulasi Pasar Modal bagi Mahasiswa di Kantor IDX Banda Aceh Muksalmina, Muksalmina; Hidayatullah, Ferdy; Syahyana, Ahmad
Jurnal Solusi Masyarakat Dikara Vol 5, No 2 (2025): Agustus 2025
Publisher : Yayasan Lembaga Riset dan Inovasi Dikara

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Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi keuangan dan pemahaman mahasiswa Universitas Ubudiyah Indonesia terhadap investasi saham melalui pelatihan berbasis simulasi pasar modal. Selama tiga hari, peserta diberikan pemahaman komprehensif mengenai konsep dasar investasi, strategi diversifikasi portofolio, serta manajemen risiko. Metode yang digunakan meliputi penyampaian materi interaktif, diskusi kelompok, serta kompetisi simulasi investasi dengan data pasar riil. Hasil pelatihan menunjukkan peningkatan signifikan dalam pengetahuan dan keterampilan peserta. Skor rata-rata post-test meningkat sebesar 40% dibanding pre-test. Simulasi investasi yang dilakukan peserta juga mencerminkan pemahaman yang baik terhadap strategi portofolio, di mana total return portofolio mencapai +1,4% meskipun terdapat saham berkinerja negatif. Selain itu, 75% peserta menyatakan minat untuk membuka rekening saham riil, dan 90% merasa puas dengan metode pelatihan yang diberikan. Kegiatan ini tidak hanya berhasil membangun pemahaman dasar tentang investasi, tetapi juga menumbuhkan minat serta kepercayaan diri mahasiswa untuk terlibat langsung dalam pasar modal. Sebagai tindak lanjut, dibentuk rencana pembentukan Kelompok Studi Pasar Modal (KSPM) serta kolaborasi berkelanjutan dengan BEI Banda Aceh. Dengan pendekatan yang sistematis dan aplikatif, kegiatan ini diharapkan menjadi fondasi dalam membangun budaya literasi keuangan yang berkelanjutan di lingkungan kampus.
Exploring Organizational Citizenship Behavior to Identify Job Performance Based on Perspectives Organizational and Psychological Empowerment in the Hospitality Sector Muksalmina, Muksalmina; Hidayatullah, Ferdy; Syahyana, Ahmad; SI, Sari Raudhatul Jannah
Indatu Journal of Management and Accounting Vol. 3 No. 2 (2025): December 2025 (In Press)
Publisher : Heca Sentra Analitika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60084/ijma.v3i2.348

Abstract

In an era of global competition and digital transformation, improving human resource performance has become a strategic factor for the hospitality industry, which is highly dependent on service quality. This study aims to analyze the role of Organizational Citizenship Behavior (OCB) in mediating the influence of perceived Organizational support and psychological empowerment on the Job Performance of hospitality employees in Aceh. A quantitative approach was used with a survey method targeting star-rated hotel employees in Banda Aceh. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) to test the direct and indirect relationships between latent variables. The results showed that perceptions of Organizational support and psychological empowerment had a positive and significant effect on Job Performance, both directly and through the mediation of OCB. OCB was found to play an important role in strengthening the relationship between psychological factors and Job Performance, particularly through voluntary behaviors such as helping colleagues, maintaining the organization’s image, and improving service effectiveness. These findings confirm that superior performance in the hospitality industry is not only determined by managerial systems, but also by the psychological and social aspects of employees. In the context of Aceh, which has distinctive religious values and social norms, Organizational Citizenship Behavior becomes an important mechanism in building professionalism and work ethics in line with Sharia principles. This study provides practical implications for hotel management to improve Organizational support, strengthen psychological empowerment, and create a collaborative work culture oriented toward service quality.
Co-Authors Hidayatullah, Ferdy Idroes, Ghalieb Mutig Nurwijayanti RR. Ella Evrita Hestiandari SI, Sari Raudhatul Jannah Sugeng, Santoso Teuku Rizky Noviandy