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Integrasi Manajemen Risiko Bank, Telekomunikasi, dan BPR dalam Perspektif Manajemen Keberlanjutan Abadi, Ahmad; Adinata, Junaidi; Negara, Roberto Surya
Management and Sustainable Development Journal Vol 7 No 2 (2025): Management and Sustainable Development (On Progress)
Publisher : Department of Management - Institut Shanti Bhuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46229/msdj.v7i2.1072

Abstract

Transformasi digital dan konvergensi layanan keuangan–telekomunikasi mengubah secara fundamental profil risiko bank, perusahaan telekomunikasi (telco), dan Bank Perkreditan Rakyat (BPR) di Indonesia. Bank semakin bergantung pada infrastruktur dan platform telco untuk penyediaan layanan perbankan digital, sementara BPR didorong memperluas inklusi keuangan di wilayah rural melalui kredit skala kecil dan kemitraan berbasis teknologi. Bersamaan dengan itu, agenda keuangan berkelanjutan menuntut integrasi aspek lingkungan, sosial, dan tata kelola (ESG) ke dalam kerangka manajemen risiko lintas sektor. Artikel ini menyajikan kajian literatur naratif–integratif mengenai integrasi manajemen risiko pada bank, telco, dan BPR dengan menggunakan kerangka COSO Enterprise Risk Management (ERM) dan ISO 31000:2018 dalam perspektif manajemen keberlanjutan. Secara khusus, artikel ini bertujuan untuk: (1) memetakan profil dan praktik manajemen risiko di masing-masing sektor; (2) mengidentifikasi titik temu dan perbedaan penerapan COSO ERM dan ISO 31000; dan (3) merumuskan kerangka konseptual manajemen risiko terintegrasi yang menggabungkan prinsip triple bottom line dan kebijakan keuangan berkelanjutan. Sintesis literatur menunjukkan bahwa perbankan memiliki kerangka risiko yang relatif matang, telco berfokus pada risiko teknologi, jaringan, dan keamanan informasi, sedangkan BPR menghadapi dominasi risiko kredit dan operasional dengan kapasitas tata kelola dan teknologi yang terbatas. Artikel ini mengusulkan model di mana COSO ERM berperan sebagai arsitektur tata kelola, ISO 31000 sebagai proses manajemen risiko bersama, dan perspektif keberlanjutan sebagai lensa untuk mengelola risiko finansial maupun non-finansial lintas sektor, sekaligus memberikan agenda penelitian lanjutan bagi penguatan ekosistem keuangan berkelanjutan di Indonesia. Kata kunci: Manajemen Risiko; COSO ERM; ISO 31000; Keuangan Berkelanjutan; ESG
Kepemimpinan dalam Manajemen Keberlanjutan di Era Digital: Pendekatan dan Strategi Adinata, Junaidi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i4.10295

Abstract

The purpose of this study is to explore the role of leadership in sustainability management in the digital age, focusing on approaches and strategies that organizations can implement to achieve sustainability goals. This study aims to identify the challenges and opportunities faced by leaders in integrating sustainability principles into their business strategies and analyze the impact of digital technology on sustainability practices. The methodology used in this study is a qualitative approach with case study analysis of various organizations that have successfully implemented sustainability management in the digital age. Data were collected through in-depth interviews with organizational leaders, document analysis, and employee surveys to understand their perceptions of leadership and sustainability. In addition, this study also involved secondary data analysis from annual reports and sustainability-related publications. The results show that effective leadership in sustainability management in the digital age requires a deep understanding of technology and its impact on the environment and society. Leaders who are able to adopt digital technology and utilize data for strategic decision-making can create added value for the organization and contribute to sustainability goals. Furthermore, this research also involved secondary data analysis from annual reports and sustainability-related publications. The results show that effective leadership in sustainability management in the digital age requires a deep understanding of technology and its impact on the environment and society. Leaders who are able to adopt digital technology and utilize data for strategic decision-making can create added value for the organization and contribute to sustainability goals. Furthermore, this study found that collaboration between various stakeholders, including government, communities, and the private sector, is crucial for achieving holistic sustainability. This research is expected to provide insights for organizational leaders in formulating more effective sustainability strategies in the digital age.