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All Journal Jurnal Riset Multidisiplin Edukasi
Nauval Khair
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STRATEGI PENGENDALIAN BIAYA DALAM MENINGKATKAN PROFITABILITAS PERUSAHAAN Fadali Rahman; Putri Fatimah; Nauval Khair; Nuruddin; Ismi Fitri Aulia
Jurnal Riset Multidisiplin Edukasi Vol. 2 No. 12 (2025): Jurnal Riset Multidisiplin Edukasi (Edisi Desember 2025)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v2i12.1364

Abstract

This study discusses cost control strategies to improve company profitability through a literature review approach. Data were collected from scientific journals, financial management books, research articles, and company reports, then analyzed theoretically and comparatively to identify effective cost control strategies. The findings indicate that efficient use of raw materials, utilization of technology, elimination of non-value-added activities, structured budget management, and human resource optimization through training, competency placement, and incentive systems are able to reduce operational costs and increase profit margins. Cost control has a significant relationship with profitability improvement, as reflected by the increase in financial indicators such as ROA, ROE, and NPM. Therefore, cost control can be an essential strategy for companies to support financial stability and sustainable business growth.
TRANSFORMASI DIGITAL PADA INDUSTRI PERBANKAN DAN DAMPAKNYA TERHADAP PELAYANAN NASABAH Putri Fatimah; Nauval Khair; Moh. Hanafi; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 7 (2026): Jurnal Riset Multidisiplin Edukasi (Juli 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i7.2341

Abstract

Digital transformation has become one of the primary strategies adopted by the banking industry to address technological advancements and changing customer behavior. This study aims to analyze the implementation of digital transformation in the banking industry, examine its impact on customer service, and identify the benefits and challenges arising from the digitalization process. This research employs a qualitative method using a library research approach by collecting data from scientific journals, articles, books, official reports, and other credible sources. The findings indicate that digital transformation in banking is implemented through various innovations, including mobile banking, internet banking, artificial intelligence (AI), big data analytics, and digital customer onboarding. These technologies have generated positive impacts such as 24-hour service accessibility, improved transaction speed and efficiency, enhanced customer satisfaction, and reduced operational costs. However, digital transformation also presents several challenges, including cybercrime threats, personal data breach risks, high technology investment costs, human resource adaptation, and regulatory compliance. Therefore, optimization strategies are required through strengthening information security systems, improving digital literacy, developing customer-oriented service innovations, and fostering collaboration with financial technology companies to support successful digital transformation in the banking sector.
Co-Authors Achmarul Fajar Ismi Fitri Aulia Moh. Hanafi Nuruddin Putri Fatimah Rahman, Fadali