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All Journal Mobile and Forensics Jurnal Pengabdian UNDIKMA
Aryandani, Aisyah
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Neuroscience Nursing Public Health Social Sciences Other

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Cluster-Based Modeling of Internal Factors and FinTech Influence on Strategy: A Case Study of Bank BNI Aryandani, Aisyah; Firdaus, Asno Azzawagama
Mobile and Forensics Vol. 7 No. 2 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/mf.v7i2.14066

Abstract

The rapid development of financial technology (FinTech) and shifting organizational dynamics have compelled banking institutions to reassess their internal capabilities and strategic positioning. This study aims to examine the influence of internal factors namely the Core Values of State-Owned Enterprises (AKHLAK), innovation culture, gratitude, employee commitment, and employee performance on the competitive strategy of Bank BNI, while also investigating the moderating role of FinTech. A quantitative research design was employed using a survey method, involving 200 employees of Bank BNI. Data were analyzed using Cluster Analysis and Structural Equation Modeling–Partial Least Squares (SEM–PLS) through WarpPLS software. The results indicate that AKHLAK core values, innovation culture, and gratitude have significant positive effects on employee commitment and performance. Furthermore, both employee commitment and performance significantly enhance the bank’s competitive strategy. FinTech was found to significantly moderate the relationship between employee-related factors and competitive strategy. In conclusion, this study presents an integrated model that highlights the strategic role of internal organizational values and behavior, enhanced by digital technology, in fostering competitive advantage within the banking sector.
Meminimalisir Kerugian Usaha Menggunakan Metode Economic Order Quantity (EOQ) Berbasis Data Base Pelanggan Ulfah, Baiq Rizka Milania; Halpiah, Halpiah; Arianti, Nabila Finda; Ayu, Lisna; Adwiyah, Rabiatul; Putra, Hery Astika; Aryandani, Aisyah; Arfin, Ahmad
Jurnal Pengabdian UNDIKMA Vol. 6 No. 4 (2025): November
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v6i4.18040

Abstract

This community service activity aims to minimize business losses by applying the Economic Order Quantity (EOQ) method, which optimizes inventory ordering to reduce costs based on customer database analysis. The implementation of this program employed the Participatory Rural Appraisal (PRA) approach, consisting of several stages: pre-implementation, education, mentoring, training, and evaluation. The results show a significant reduction in business losses from 40% to 10%. In addition, sales increased from 30% to 60%, and customer growth rose from 33% to 67%. The impact of this program indicates that the partner is now able to reduce business losses, increase sales, expand the customer base, and develop two new banana-based product variants—pisang molen and pisang sale—which contribute to higher business profits.
Co-Authors Adwiyah, Rabiatul Arfin, Ahmad Arianti, Nabila Finda Asno Azzawagama Firdaus Ayu, Lisna Halpiah, Halpiah Putra, Hery Astika Ulfah, Baiq Rizka Milania