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Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan
Published by CV. LAFADZ JAYA
ISSN : -     EISSN : 28098544     DOI : https://doi.org/10.54443/sibatik
Core Subject : Economy, Science, Education, Art, Social,
Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences
SIBATIK JOURNAL merupakan jurnal ilmiah populer bidang Sosial, Ekonomi, Budaya, Teknologi, dan Pendidikan yang terbit setiap bulan. SIBATIK JOURNAL menerima naskah hasil penelitian dan hasil kajian yang memunculkan gagasan-gagasan ilmiah dan aktual di bidang Sosial, Ekonomi, Budaya, Teknologi, dan Pendidikan.
Arjuna Subject : Umum - Umum
Articles 7 Documents
 1 
Search results for , issue "vol. 5 no. 8 (2026)" : 7 Documents clear
INTERNALISASI NILAI KESABARAN DAN KETELITIAN ISLAMI MELALUI KEGIATAN ECOPRINT UNTUK MENSTIMULASI MOTORIK HALUS ANAK USIA 4–5 TAHUN Nunung Lestari; Devi Sulaeman; Gina Kania
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 8 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sibatik.v5i8.4975

Abstract

This study was motivated by the importance of developing fine motor skills in early childhood through learning activities that also internalize the Islamic values of patience and accuracy. Ecoprint was selected as a creative learning medium because it provides direct experience while training hand-eye coordination, patience, and carefulness. This study aimed to describe the process of internalizing the Islamic values of patience and accuracy through ecoprint activities and to examine the improvement of fine motor skills among children aged 4–5 years at RA Miftahul Jannah. This study employed a classroom action research design involving teachers and 12 children aged 4–5 years. Data were collected through observation, interviews, and documentation. The findings showed that ecoprint activities improved children’s fine motor skills, particularly in arranging patterns, pressing, or pounding leaves, and producing clearer prints. In the initial condition, 4 of 12 children (33%) were in the Beginning to Develop category. In Cycle I, most children still required intensive guidance. After improvements were made in Cycle II, 9 of 12 children (75%) reached the Developing as Expected category. These findings indicate that ecoprint is effective in improving fine motor skills while simultaneously internalizing the Islamic values of patience and accuracy in early childhood.
DEVELOPMENT OF A QR CODE-ASSISTED AUGMENTED REALITY LEARNING MODEL THROUGH BANGKA COMPOST PACKAGING FOR ENHANCING STUDENTS’ DIGITAL MARKETING COMPETENCIES Ummu Artha Tsary Rumalessin; Lusi Olis Vera; Putri Armelia Prayesi; Rezky Novaditya Ramadhansyah; Melky Mayfarel
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 8 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sibatik.v5i8.5308

Abstract

The rapid development of digital technology requires innovative learning approaches to enhance students’ digital marketing competencies and connect learning with authentic entrepreneurial contexts. This study aimed to develop and evaluate a QR Code-assisted Augmented Reality (AR) learning model through Bangka compost packaging for enhancing students’ digital marketing competencies. The study employed a Reaseach and Development (R&D) approach using the ADDIE model and involved 80 secondary school students enrolled in the mandatory Entrepreneurship subject from Grades X-XII at Madrasah Aliyah (MA) Terpadu Bina Insan Cendikia Muntok. The effectiveness of the learning model was evaluated through pre-test and post-test assessments of students’ digital marketing competencies. The collected data were analyzed using the Kolmogorov-Smirnov test, paired-samples t-test, normalized gain (N-Gain), and Cohen’s d effect size. The findings demonstrated a significant enhancement in students’ digital marketing competencies following the implementation of the learning model. Students showed improved understanding of product branding, packaging design, digital promotion, product value communication, and digital marketing concepts. The learning improvement was supported by a very large effect size and a moderate normalized gain, indicating meaningful progress in students’ competencies. The integration of QR Code and AR into authentic local product packaging provides an interactive learning experience that connects entrepreneurship education with digital technology and practical digital marketing concepts. By and large, the developed QR Code-assisted AR learning model shows promising potential as a contextual and technology-supported approach for enhancing digital marketing competencies among secondary school students in the mandatory Entrepreneurship subject.
PENGARUH EFEKTIVITAS FITUR OPERATING ACCOUNT BNIDIRECT TERHADAP LOYALITAS NASABAH, DAN KEPUTUSAN PENGGUNAAN REKENING OPERASIONAL PERUSAHAAN DI BNI Rendi Apriandi; Agustina Suparyanti
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 8 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sibatik.v5i8.5360

Abstract

Digital transformation in banking has encouraged banks to provide cash-management services capable of supporting corporate transactions in a fast, secure, and integrated manner. This study examines the effects of the effectiveness of four BNIDirect Operating Account features—Transfer, Bill Payment, Tax Payment, and Payroll—on Corporate Customer Loyalty and the Decision to Use BNI as the company’s Operating Account, while testing the mediating role of loyalty. A quantitative survey was conducted involving 150 corporate BNIDirect users within BNI Regional Office 14 Jakarta BSD selected through purposive sampling. Data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS 4. The results show that Transfer effectiveness (β=0.407; p<0.001), Tax Payment effectiveness (β=0.313; p<0.001), and Payroll effectiveness (β=0.212; p=0.001) have positive and significant effects on loyalty, while Bill Payment is not significant. None of the four features has a significant direct effect on the Operating Account decision. Corporate customer loyalty has a positive and dominant effect on the usage decision (β=0.617; p<0.001; f²=0.459). Loyalty fully mediates the effects of Transfer, Tax Payment, and Payroll on the usage decision, whereas no mediation is found for Bill Payment. These findings indicate that the effectiveness of digital corporate banking services influences the Operating Account decision primarily through the formation of customer loyalty rather than through direct feature effects. Managerially, the results highlight the importance of improving service experience, strengthening relationship management, and prioritizing features that demonstrably build corporate customer loyalty.
FAKTOR PENENTU KREDIT MACET PADA BANK UMUM KONVENSIONAL DI INDONESIA PADA MASA COVID-19 DAN PASCA COVID-19 Sri Nur Fadhilah; Rinaldi Rustam
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 8 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sibatik.v5i8.5388

Abstract

This study aims to analyze the impact of determinants of nonperforming loans at conventional commercial banks in Indonesia during the COVID-19 pandemic and in the post-COVID-19 period.This study examines 10 conventional banks in Indonesia, as these 10 banks account for 70% of banking sector funding mobilization and disbursement. The study period is 2020–2025, covering the COVID-19 pandemic and the post-COVID-19 recovery period. The data analysis method used is panel data regression analysis.The results indicate that, under the Random Effects Model (REM), consumer loan disbursements, investment loan disbursements, and the policy interest rate have a significant positive effect on non-performing loans at conventional commercial banks during the study period, while the variables Working Capital Loans, Net Interest Margin/NIM, and Allowance for Credit Lossess/CKPN have no significant effect.This study suggests that bank interest rates are perceived as too high; Bank Indonesia is expected to lower its policy interest rate to further increase credit disbursement. In addition, banks also need to be more cautious in extending credit to reduce the risk of nonperforming loans.
TANGGUNG JAWAB HUKUM PEMERINTAH DAERAH DALAM PERLINDUNGAN TERUMBU KARANG DI WILAYAH PESISIR PANTAI ARGAPURA KOTA JAYAPURA Ika Fitrianita; Ludia Jemima I. R. Reumy
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 8 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sibatik.v5i8.5389

Abstract

This research is titled "The Legal Responsibility of the Local Government regarding Coral Reef Protection in the Argapura Coastal Area, Jayapura City." The study aims to analyze the local government's legal responsibility for coral reef protection and to identify obstacles in its implementation. Coral reefs are coastal ecosystems serving ecological, social, and economic functions; thus, their existence requires protection through sustainable coastal area management. The legal basis for coral reef protection comprises Law Number 32 of 2009 concerning Environmental Protection and Management; Law Number 27 of 2007 (as amended by Law Number 1 of 2014) concerning the Management of Coastal Areas and Small Islands; and Law Number 23 of 2014 concerning Regional Government. This study employs a normative legal research method utilizing both the statute approach and the conceptual approach. Research materials were gathered through a literature review of primary, secondary, and tertiary legal sources related to environmental protection, coastal area management, local government authority, and coral reef protection. The analysis of legal materials was conducted qualitatively, employing legal interpretation and systematic juridical analysis. The research findings indicate that the local government's legal responsibility for coral reef protection encompasses planning, management, supervision, control, and law enforcement within coastal area management, in accordance with the authority granted by statutory regulations. However, the implementation of these responsibilities in the Argapura coastal area of Jayapura City has not been optimal. This is attributed to limitations regarding supervision, facilities and infrastructure, resources and budget, and inter-agency coordination, as well as suboptimal community involvement in coral reef protection. Therefore, it is necessary to strengthen the exercise of local government authority by enhancing oversight, inter-agency coordination, and the provision of supporting facilities, as well as through law enforcement and increased public participation in the sustainable protection and management of coral reefs.
PENGARUH CUSTOMER RELATIONSHIP MANAGEMENT UNTUK MENINGKATKAN VOLUME TRANSAKSI INVESTASI MELALUI LOYALITAS NASABAH EMERALD BNI KANTOR CABANG JAKARTA PLUIT Suci Junjungan; Dini Hariyanti
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 8 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sibatik.v5i8.5421

Abstract

The increasingly competitive banking industry requires banks to rely not only on interest income but also on revenue generated from investment products and services. One strategy that can be implemented to achieve this objective is Customer Relationship Management (CRM), which focuses on establishing and maintaining long-term relationships with customers. This study aims to examine the effect of Customer Relationship Management on investment transaction volume and customer loyalty, as well as to investigate the mediating role of transaction volume in the relationship between Customer Relationship Management and customer loyalty among Emerald customers at BNI Jakarta Pluit Branch.This study employed a quantitative research approach using a survey method. Data were collected through questionnaires distributed to 107 Emerald customers of BNI Jakarta Pluit Branch, selected using a purposive sampling technique. The data were analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method.The findings indicate that Customer Relationship Management has a positive and significant effect on both investment transaction volume and customer loyalty. These results suggest that effective CRM implementation enhances the quality of the relationship between the bank and its customers through trust, communication, commitment, and conflict handling, thereby encouraging higher investment transaction activities while strengthening customer loyalty. However, investment transaction volume does not have a significant effect on customer loyalty. Furthermore, transaction volume does not mediate the relationship between Customer Relationship Management and customer loyalty. These findings imply that customer loyalty is influenced more by the quality of the relationship and service experience provided by the bank than by the magnitude of customers' investment transaction activities.The findings of this study imply that BNI should continue strengthening its Customer Relationship Management practices by improving communication quality, providing more personalized services, and utilizing data-driven technologies to better understand customer needs. These strategies are expected to foster long-term customer relationships, enhance customer loyalty, and encourage the growth of investment transaction volume.
PERSEPSI PEGAWAI DAN NASABAH BNI TERHADAP PENERAPAN WONDR BY BNI Artiani Puspandari; Tri Kunawangsih
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 8 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sibatik.v5i8.5425

Abstract

Digital transformation has encouraged Bank Negara Indonesia (BNI) to introduce Wondr by BNI as a replacement for BNI Mobile Banking to improve service quality and operational efficiency. This study compares BNI employees' and customers' perceptions of Wondr by BNI across four dimensions: acceptance and understanding of new features, effectiveness and ease of use, operational and technical constraints during the transition, and the impact on service quality and complaint-handling efficiency. A quantitative descriptive-comparative design was employed at BNI Pecenongan and Tanjung Priok Branch Offices from March to July 2026. The sample consisted of 203 employees selected through total sampling and 100 customers. Data were collected using Likert-scale questionnaires, tested for validity and reliability, and analyzed using descriptive statistics and the non-parametric Mann-Whitney U test because the data were non-normal and most dimensions were not homogeneous. All hypotheses were supported (p=0.000). Employees consistently reported higher mean scores than customers for feature acceptance and understanding (4.11 vs 3.98), effectiveness and ease of use (4.18 vs 3.83), transition constraints (4.15 vs 3.81), and impact on service quality and complaint handling (4.21 vs 3.98). The findings reveal a perception gap between internal users and end users. System stability, a simpler user experience, stronger customer education, and employee capacity building as digital advisors should therefore become key priorities in improving the implementation of Wondr by BNI.

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