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INDONESIA
JURISMA: Jurnal Riset Bisnis & Manajemen
Published by Universitas Komputer Indonesia
ISSN : 20860455     EISSN : 2338929X     DOI : -
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
JURISMA: Jurnal Riset Bisnis & Manajemen adalah wadah informasi berupa hasil peneltian, studi kepustakaan dalam rangka meningkatkan penelitian dan ilmu pengetahuan.
Arjuna Subject : -
Articles 16 Documents
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Search results for , issue "Vol. 15 No. 1: April 2025" : 16 Documents clear
Monetary Policy and Bank Performance: An Empirical Study of BI Rate Transmission in the Indonesian Banking Sector Simatupang, Apriani; Naibaho, Eduard Ary Binsar
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 15 No. 1: April 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v15i1.15891

Abstract

This study investigates the impact of Indonesia’s benchmark interest rate (BI Rate) as a monetary policy instrument on various aspects of bank performance, including profitability (ROA, ROE, NIM), credit risk (NPL, LLR), operational efficiency (BOPO), and capital adequacy (CAR). Using panel data regression on 41 commercial banks from 2014 to 2024, the study applies the Random Effect Model as determined by the Hausman tests. The results show that BI Rate has a significant and positive effect on NIM, supporting the theory that interest margins tend to widen during periods of rising interest rates. Conversely, BI Rate shows a significant and negative effect on NPL, LLR, and BOPO, which may reflect increased prudence and operational efficiency by banks during monetary tightening. No significant effects are found on ROA, ROE, and CAR, suggesting these dimensions are shaped by other structural or managerial factors. This research contributes to the literature by integrating multiple dimensions of financial and risk performance in one empirical model, offering insights for policymakers and bank managers in strategically navigating interest rate fluctuations. Keywords: Rate; Performance; Monetary; ROA; NIM
Dari Krisis ke Stabilitas: Menganalisis Perjalanan Pemulihan Keuangan BPD Mutmainah; Muhammad Meidy Nur Hafidz
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 15 No. 1: April 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v15i1.15892

Abstract

This study aims to analyze the development of net profit in Bank Pembangunan Daerah (BPD) in Indonesia during the period from 2020 to 2024. The research problem focuses on the significant fluctuation in net profit observed in BPD, particularly after the impact of the COVID-19 pandemic. This descriptive quantitative study analyzes financial reports and secondary data from the Financial Services Authority (OJK) and Bank Indonesia. The findings indicate that BPD experienced a significant decline in net profit in 2020, followed by a steady recovery in the subsequent years. Key factors such as improved credit risk management, government stimulus policies, and increased non-interest income contribute to this recovery. The novelty of this research lies in its focus on the post-pandemic financial dynamics of BPD, which has not been widely explored in previous studies. The findings contribute to a deeper understanding of the factors influencing BPD’s financial performance, providing recommendations for future strategic improvements in financial management. Keywords: Regional Development Bank; Net Profit; COVID-19 Impact; Financial Recovery; Risk Management
Analysis of Internal Factors influencing Mudharabah Financing at Bank Mega Syariah for the Period 2016-2023 Mutawali, Mutawali; Mukhoyyaroh, Mukhoyyaroh
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 15 No. 1: April 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v15i1.15893

Abstract

This study aims to analyze the internal factors that affect Mudharabah financing for the period 2016-2023, both partially and simultaneously. This factor consists of FDR, CAR, NPF, and ROA. The research method of this research is quantitative descriptive. The type of sample used is purposive sampling, where the quarterly financial statements of the balance sheet and profit and loss at Bank Mega Syariah are sampled during the period 2016-2023. The study used secondary data in the form of financial reports of Bank Mega Syariah for the period 2016-2023, the internet, and journals. This study uses multiple linear regression analysis techniques with tools in the form of SPSS. The stages in this study consist of several tests, namely the classical assumption test, t-test, and F-test. the next stage is the Correlation Coefficient and Determination test. This research concludes that, partially, there is a negative influence of FDR and CAR on Mudharabah financing, and there is no influence of NPF and ROA on Mudharabah financing. Simultaneously, there is an influence of FDR, CAR, NPF, and ROA on Mudharabah financing. Keywords: FDR; CAR; NPF; ROA; Mudharabah Financing
Optimizing the Role of Waqf in the Development of Halal Tourism in Indonesia Nizar, Muhammad; Antin Rakhmawati; Bahjatis Sania
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 15 No. 1: April 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v15i1.15896

Abstract

Purpose: The purpose of this study is to analyze and understand the role of waqf as an alternative source of funding in the development of halal tourism in Indonesia. Methodology: This research adopts a literature study approach by collecting, analyzing, and synthesizing data from various relevant sources to draw comprehensive conclusions. Findings: The study finds that the significant potential of waqf funds in Indonesia can be optimized as an alternative financing mechanism for halal tourism development projects. This potential is supported by Indonesia’s status as the country with the largest Muslim population, its strategic geographical location, rich biodiversity, and extensive natural landscapes. Utilizing waqf funds can enhance productivity and ensure better management outcomes for the benefit of the ummah. Furthermore, this financing alternative supports the circulation of the halal value chain within the halal tourism supply chain in Indonesia. Research limitations: This study is based on a literature review; thus, future empirical research is needed to validate the practical application of waqf-based financing models in halal tourism projects. Practical implications: The findings provide insights for policymakers, investors, and tourism developers on the potential of integrating waqf-based funding to strengthen the halal tourism sector. Social implications: Implementing waqf funds in halal tourism development can contribute to broader social welfare, promote economic inclusivity, and enhance community empowerment aligned with Islamic economic principles. Originality: This study highlights the underexplored potential of waqf as an innovative and sustainable financing solution for the development of halal tourism in Indonesia. Keywords: Waqf; Halal Tourism; Indonesia; Islamic Economics; Tourism Development
Organizational Transformation Toward Agility: Integrating Change Management, Dynamic Capabilities, and MSME Adaptability Munandar, Aris; Dwijanto Witjaksono2, Andre
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 15 No. 1: April 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v15i1.15897

Abstract

This study explores how organizational transformation can enhance the agility of Micro, Small, and Medium Enterprises (MSMEs) in West Nusa Tenggara (NTB), Indonesia, by integrating Change Management and Dynamic Capabilities approaches. Facing ongoing disruptions and global uncertainty, MSMEs in NTB struggle with limited financing, outdated technologies, and low digital adoption. Organizational agility is essential for responding quickly to market and technological shifts. Using an explanatory quantitative method, data were gathered from 310 MSME actors via a Likert-scale questionnaire and analyzed with SEM-PLS. The results show that change management significantly impacts agility (β = 0.412) and dynamic capabilities (β = 0.537). Dynamic capabilities also strongly influence agility (β = 0.384) and mediate the relationship between change management and agility. These findings highlight that effective change management strengthens the ability to adapt to external challenges. Practically, the study underscores the importance of internal transformation driven by strategic vision, dynamic resource management, and inclusive decision-making. Theoretically, it offers a new model for MSME resilience in regions facing digital divides. The integration of Change Management and Dynamic Capabilities proves vital for cultivating an agile, adaptive, and competitive MSME landscape in the era of digital transformation. Keywords : Change Management 1; Dynamic Capabilities 2; Organizational Agility 3; MSME Transformation 4; Business Adaptability 5
Pengaruh Job Satisfication dan Employee Commitment Akibat Employee Commodification Terhadap Turnover Intention Jurnalis Generasi Z Iman Indrati
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 15 No. 1: April 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v15i1.15900

Abstract

Turnover intention among Generation Z has been increasing alongside the growing commodification of labor. Unfavorable working conditions, disproportionate pay compared to workload, contract-based employment, lack of job security, and anxiety over termination have driven this generation to seek new opportunities. This study aims to analyze the influence of job satisfaction and employee commitment on turnover intention among Generation Z journalists. A quantitative approach was used with a sample of 110 journalists from the Media Group. The findings reveal that job satisfaction significantly reduces turnover intention. In contrast, employee commitment does not have a direct effect, although a negative relationship between the two was observed. Simultaneously, both variables influence turnover intention. The novelty of this research lies in identifying job satisfaction indicators such as competitive salary, training opportunities, involvement in problem solving, leave entitlements, motivation, SOP evaluation, teamwork, and appropriate job placement. Employee commitment is measured through perceptions of the company as a life asset, trust, and career opportunities. Turnover intention is assessed through new job opportunities, compensation, and personal decisions. The study recommends that companies enhance communication, involve employees in policy-making, and strengthen affective commitment to reduce turnover intention and create a healthier, more productive work environment. Keywords: Employee; Journalist; Job Satisfaction; Commitment; Turnover intention

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