Article Per Year (5 Year)
p-Index From 2021 - 2026
1.006
P-Index
This Author published in this journals
All Journal BERNAS: Jurnal Pengabdian Kepada Masyarakat JURNAL ECONOMINA Jurnal Pengabdian Masyarakat dan Riset Pendidikan Mandalika Journal of Business and Management Studies Jurnal Ragam Pengabdian E-Jurnal Manajemen
Septimus Adrianus Mali
Universitas Nusa Cendana
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Neuroscience Nursing Public Health Social Sciences Veterinary Other

Published : 6 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 6 Documents
Search

 1 
TRANSFORMASI DIGITAL PADA PERBANKAN KONVENSIONAL: ANCAMAN ATAU PELUANG? Viktor Amos; Septimus Adrianus Mali
E-Jurnal Manajemen Vol. 14 No. 12 (2025)
Publisher : Program Studi Sarjana Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EJMUNUD.2025.v14.i12.p05

Abstract

Industri perbankan menghadapi tekanan besar akibat disrupsi digital yang dipicu oleh kemajuan teknologi finansial, perubahan preferensi nasabah, dan meningkatnya ekspektasi terhadap layanan yang cepat, personal, dan berbasis digital. Artikel ini bertujuan untuk mengeksplorasi dinamika transformasi digital pada bank-bank konvensional di Indonesia, dengan fokus pada peluang, tantangan, dan strategi adaptasi yang diterapkan. Metode yang digunakan adalah tinjauan pustaka sistematis terhadap artikel ilmiah, laporan industri, serta publikasi dari lembaga riset internasional dalam rentang waktu 2018 sampai dengan 2024.  Hasil kajian menunjukkan bahwa digitalisasi perbankan tidak hanya mencakup adopsi teknologi tetapi juga menuntut perubahan mendasar dalam model bisnis, struktur organisasi, budaya kerja, serta regulasi yang mendukung inovasi. Kolaborasi antara bank dan fintech diidentifikasi sebagai strategi kunci dalam memperluas inklusi keuangan dan meningkatkan daya saing. Tantangan utama yang dihadapi mencakup ketergantungan terhadap sistem teknologi lama, resistensi budaya internal, dan risiko keamanan data. Kajian ini juga menyoroti pentingnya keamanan data dan privasi sebagai pilar utama dalam menciptakan ekosistem digital yang sehat. Temuan ini memberikan kontribusi konseptual dan praktis bagi akademisi, pelaku industri, dan pembuat kebijakan, serta perlunya penelitian lanjutan untuk mengukur dampak transformasi digital secara kuantitatif dan kualitatif.   The banking industry is facing significant pressure due to digital disruption driven by advancements in financial technology, changing customer preferences, and growing expectations for fast, personalized, and digital-based services. This article aims to explore the dynamics of digital transformation in conventional banks in Indonesia, focusing on the opportunities, challenges, and adaptive strategies implemented. The method used is a systematic literature review of scholarly articles, industry reports, and publications from international research institutions covering the period from 2018 to 2024. The findings reveal that banking digitalization not only involves the adoption of technologies, but also requires fundamental changes in business models, organizational structures, work culture, and regulatory that support innovation. Banks and fintechs collaboration is identified as a key strategy in expanding financial inclusion and enhancing competitiveness. Major challenges include reliance, internal cultural resistance, and data security risks. This study also highlights the importance of data security and privacy as key pillars in building a healthy digital ecosystem. The findings offer both conceptual and practical contributions for academics, industry players, and policymakers, and the need for research to quantitatively and qualitatively measure the impact of digital transformation.
Digital Business Strategies to Navigate Technological Disruption in 2026 Gregorius Paulus Tahu; Septimus Adrianus Mali; Narwanto Nurcahyo
Jurnal Ragam Pengabdian Vol. 3 No. 1 (Spesial Issue) (2026): "Dharma Samudera"
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/nnahbk11

Abstract

This study explores the role of digital business strategies in navigating technological disruption by 2026. The rapid advancement of technologies such as AI, blockchain, and IoT presents both challenges and opportunities for businesses to adapt. The objective is to analyze how companies can implement effective digital strategies to stay competitive in an evolving digital landscape. Utilizing a library research methodology, the study collects data from books, journals, and case studies on digital transformation, disruption, and strategic adaptation. Findings reveal that businesses embracing digital transformation and fostering organizational agility are more successful in leveraging emerging technologies. However, companies face significant barriers such as financial constraints, skills gaps, and resistance to change. The study concludes that adopting a holistic approach to digital strategies, aligning technology with business goals, and investing in continuous innovation are key to overcoming disruption and achieving long-term success.
The Role of the Green Economy in Promoting Sustainable Growth in Indonesia Dodi Arif; Gregorius Paulus Tahu; Septimus Adrianus Mali; Aldian Yusup; Farhan Hermawan
Mandalika Journal of Business and Management Studies Vol 4 No 1 (2026): Mandalika Journal of Business and Management Studies
Publisher : Mandalika Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/mjbms.v4i1.399

Abstract

This study examines the role of the green economy in promoting sustainable economic growth in Indonesia. Rapid economic development has improved welfare but also caused environmental degradation, resource depletion, and increased carbon emissions, highlighting the need for a more sustainable development approach. Therefore, this study aims to analyze how the green economy contributes to sustainable growth and identify key factors influencing its implementation. The research employs a qualitative approach using a literature review method, collecting secondary data from scholarly articles, books, and official reports. Data are analyzed using descriptive and thematic analysis to identify patterns and relationships. The findings indicate that the green economy plays a significant role in enhancing resource efficiency, encouraging environmentally friendly technological innovation, creating green jobs, and reducing environmental impacts. It also supports renewable energy development and circular economy practices. However, its implementation is influenced by factors such as government policy, green investment, human resource capacity, and technological advancement, with regulatory support being the most critical. Overall, the green economy is an effective strategy for balancing economic growth and environmental sustainability in Indonesia.
Implementasi Total Quality Management (TQM) dalam Pemberdayaan Masyarakat melalui Gerakan Bersih Pantai di Pantai Lasiana, Kupang: Pengabdian Ravel Anwar; Sonnya Marliani; Yudi Adrian; Emilia Gie; Eunike Martha Gegung; Junita Cestilia Nenabu; Sari Angriany Natoni; Septimus Adrianus Mali; Johanis Oenunu; Abram Danial Lubertus Laleb; Theddy Bashkara Foenale; Viktor Amos; Rena Saputri Hilaria Sitanggang; Maria Karmelita Delistiani Sambang; Yunita Chrisna Riane Antonia Bere; Lukas Hattu; Erna Eryani Giri; Yoan Maureen Darianty Dara Odrada; Dendi Sigit Wahyudi
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 5 No. 1 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 5 Nomor 1 (Juli 2026 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v5i1.7318

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk mengimplementasikan dan mengevaluasi efektivitas pendekatan Total Quality Management (TQM) dalam mengatasi problematika limbah padat komersial di kawasan pesisir Pantai Lasiana, Kota Kupang. Program intervensi aksi ini diinisiasi oleh kelompok mahasiswa kelas 4B dan 4E Program Studi Administrasi Bisnis, Universitas Nusa Cendana, dengan menggandeng pelaku usaha mikro (pedagang) setempat sebagai mitra kolaborasi utama. Metode pelaksanaan difokuskan murni pada eksekusi fisik partisipatif secara langsung tanpa penyelenggaraan sesi diskusi maupun forum tanya jawab formal. Tahapan operasional mencakup pemetaan lokasi, persiapan logistik, pemberian instruksi taktis berlandaskan prinsip efisiensi operasional, serta eksekusi pembersihan pantai secara serentak. Hasil kegiatan menunjukkan bahwa peniadaan birokrasi komunikasi formal terbukti mampu mengoptimalkan alokasi waktu dan tenaga partisipan. Keberhasilan ini dibuktikan dengan terevakuasinya lebih dari 100 kilogram limbah (setara 20 kantong polibag besar) yang langsung disortir ke dalam kategori plastik sekali pakai dan organik komersial, menghasilkan transformasi visual kebersihan kawasan pesisir secara seketika dan drastis. Kesimpulannya, penerapan TQM melalui aksi gotong royong langsung terbukti efektif mengatasi pencemaran lingkungan pesisir sekaligus menumbuhkan rasa kepemilikan kolektif (sense of belonging) di kalangan pelaku usaha, sehingga meletakkan fondasi tata kelola pelestarian ekosistem yang berkesinambungan.
Predicting the Risk of MSME Bankruptcy in Kupang City: Integrating the Altman Z-Score, Macroeconomic Impact, Machine Learning, and Explainable AI (SHAP and LIME) Olaf Tri Wilopo Simanjuntak; Fajri Adha; Theddy Baskhara Foenale; Septimus Adrianus Mali; Nur Muhlis; James Miguel Danielo; Rahmat Joshua Setia Benu; Kayleen RI Bale Doto; Ilham Samuel Silahooy
JURNAL ECONOMINA Vol. 5 No. 10 (2026): JURNAL ECONOMINA, Oktober 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i10.4818

Abstract

This study aims to assess the financial health and predict the bankruptcy risk of 100 micro, small, and medium enterprises (MSMEs) in Kupang City by integrating the Altman Z′′ score, testing the impact of macroeconomic variables, machine learning modeling , and explainable artificial intelligence (XAI). Data completeness was tested with Little's MCAR test, the impact of macroeconomics (inflation, deposit interest rates, and rupiah exchange rates) on the Z′′ score was tested with the Wilcoxon Signed-Rank Test, and four classification algorithms (Gradient Boosting, Random Forest, Logistic Regression, and Naive Bayes) were compared on 11 selected features, then the best model was explained with SHAP and LIME. The results showed that missing data was perfectly random (Sig. 0.587) and all MSMEs experienced a decrease in health scores after macroeconomic factors were included (Z = −8.697; Sig. 0.000). Gradient Boosting provides the best performance in accuracy, precision, recall , and F1-score (80%; 0.83; 0.71; 0.77) with an AUC of 0.85. SHAP analysis places D2, total current assets, and D1 indicators as global determinants, while LIME on three MSMEs shows that low D2 and limited total current assets drive the prediction of bankruptcy risk in MSME #2. These findings confirm that assessments based on internal data alone tend to be overly optimistic and that the combination of predictive models with transparent explanations can be the basis of an early warning system for businesses, banks, and local governments.
Program Pengelolaan Keuangan Pribadi sebagai Strategi Pencegahan Relapse bagi Pengguna Pasca-Rehabilitasi di Kota Kupang Filipus Argentano Guntur Suryaputra; Septimus Adrianus Mali; Afifah Fauzah Lathifah
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 4 (2026)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/pcz3qs83

Abstract

Program kegiatan ini bertujuan meningkatkan literasi keuangan dan kemandirian ekonomi pengguna pascarehabilitasi sebagai strategi mencegah relapse. Masalah utama peserta adalah kesulitan reintegrasi sosial-ekonomi, keterbatasan mengelola pendapatan, dan tekanan finansial yang memicu kembali pada zat adiktif, sementara program rehabilitasi umumnya baru berfokus pada aspek medis. Kegiatan ini menggunakan pendekatan edukatif, partisipatif, dan aplikatif selama enam bulan, dengan sasaran 10–20 peserta yang bermitra dengan BNN atau lembaga rehabilitasi setempat. Materi pelatihan meliputi keuangan dasar, budgeting, pengeluaran, menabung, dan simulasi praktis. Metode pelaksanaannya mencakup empat tahapan: persiapan, pelaksanaan, pendampingan, dan evaluasi. Indikator keberhasilan program dinilai dari meningkatnya pemahaman keuangan, kemampuan menyusun anggaran, dan stabilitas ekonomi peserta. Keberlanjutan program dijaga melalui pendampingan digital dan kerja sama mitra yang berkelanjutan. Pendekatan pelatihan menggunakan pendekatan diskusi dan pemaparan materi. Hasil dari pengabdian mendapatkan antusias dari peserta yang mengajukan pertanyaan serta mendapatkan umpan balik yang positif untuk berkelanjutan dimasa depan.
Co-Authors Abram Danial Lubertus Laleb Afifah Fauzah Lathifah Aldian Yusup Dendi Sigit Wahyudi Dodi Arif Emilia Gie Erna Eryani Giri Eunike M. Gegung Fajri Adha Farhan Hermawan Filipus Argentano Guntur Suryaputra Gregorius Paulus Tahu Gregorius Paulus Tahu Ilham Samuel Silahooy James Miguel Danielo Johanis Oenunu Kayleen RI Bale Doto Lukas Hattu Maria Karmelita Delistiani Sambang Narwanto Nurcahyo Nenabu, Junita Cestilia Nur Muhlis Olaf Tri Wilopo Simanjuntak Rahmat Joshua Setia Benu Ravel Anwar Rena Saputri Hilaria Sitanggang Sari Angriany Natoni Sonnya Marliani Theddy Bashkara Foenale Theddy Baskhara Foenale Viktor Amos Yoan Maureen Darianty Dara Odrada Yudi Adrian Yunita Chrisna Riane Antonia Bere