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Advances In Social Humanities Research
Published by Sahabat Publikasi
ISSN : 30323037     EISSN : 30315786     DOI : doi.org/10.46799/adv.v2i2.187
Core Subject : Humanities, Social, Engineering,
Humanities Engineering Law, Crime, Criminology & Criminal Justice Social Sciences
Advances In Social Humanities Research is a double blind peer-reviewed academic journal and open access to social and humanities fields. The journal is published monthly by Sahabat Publikasi Advances In Social Humanities Research provides a means for sustained discussion of relevant issues that fall within the focus and scopes of the journal which can be examined empirically. This journal publishes research articles covering social and humanities fields. Published articles are from critical and comprehensive research, studies or scientific studies on important and current issues or reviews of scientific books. This journal publishes research articles covering social and technology.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 519 Documents
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Strategies for Improving Loan Restructuring Success Based on Business Analytics and Machine Learning in Rural Bank (Case Study: PT BPR Jabar Perseroda) Aceng Rohmana; Cecep Taofiqurrochman; Samidi
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.629

Abstract

Credit restructuring remains essential to banking risk management because unsuccessful restructuring may lead to further deterioration in credit quality, particularly among rural banks with limited analytical capabilities. This study aimed to identify the factors associated with successful loan restructuring, develop a predictive model, and formulate data-driven strategies for PT BPR Jabar Perseroda. A quantitative business analytics approach was employed using the Cross-Industry Standard Process for Data Mining (CRISP-DM) framework. Historical data consisting of 1,200 loan restructuring observations from January to December 2025 were analyzed through descriptive, predictive, and prescriptive analytics using RapidMiner. Three classification algorithms—Random Forest, Gradient Boosted Tree, and Decision Stump—were evaluated based on accuracy, precision, recall, and F1-score. The findings showed that Random Forest achieved the best predictive performance, with an accuracy of 96.67%, precision of 98.65%, and recall of 96.05%. Initial collectibility status was the factor most strongly associated with restructuring success, followed by collateral type and the number of arrears, whereas the debt-to-income ratio and economic sector showed relatively weaker relationships. These findings supported the implementation of risk-based debtor segmentation, appropriate restructuring schemes, intensive post-restructuring monitoring, and the development of an early warning system. The study concluded that the integration of business analytics and machine learning could improve loan restructuring decision-making; however, predictive results should complement rather than replace professional judgment and prudent banking governance practices.
Business Analytics for Credit Risk Management in Rural Banks Using the CRISP-DM Methodology (Case Study: PT BPR Jabar Perseroda) Ayip Muhdiatullah; Samidi; Cecep Taofiqurrochman
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.630

Abstract

Credit risk remains a critical concern for rural banks because lending quality directly affects financial stability and institutional sustainability. Although banking databases contain valuable debtor information, credit assessments often continue to rely on administrative verification and subjective judgment. This study aimed to identify credit risk characteristics, compare the performance of Random Forest, Gradient Boosted Tree, and Random Tree algorithms, and formulate data-driven risk management strategies for PT BPR Jabar Perseroda. A quantitative descriptive research design was employed using the Cross-Industry Standard Process for Data Mining (CRISP-DM) framework, integrating descriptive, predictive, and prescriptive analytics. The sample consisted of 1,015 debtor records selected through stratified sampling from a population of 10,150 records. Model performance was evaluated using accuracy, precision, and recall metrics, while correlation analysis was conducted to identify variables associated with credit risk status. Payment delinquency history showed the strongest relationship with risk status (r = 0.653), whereas collateral demonstrated the weakest relationship (r = -0.047). The Random Forest algorithm achieved the best predictive performance, with 99.00% accuracy, 100.00% precision, and 97.83% recall. The findings indicated that repayment behavior provided more meaningful risk information than static administrative attributes. Therefore, integrating Random Forest-based predictions with the 5C credit assessment principles could strengthen objective credit evaluation, decision-support systems, early warning mechanisms, and proactive credit risk management.
Effect of Performing Loan, Intermediation Function, and Operational Efficiency on Banking Profitability (Case Study at PT Bank Pembangunan Daerah Jawa Barat & Banten, Tbk Period 2014–2024) Ade Muhammad Nur; Cecep Taofiqurrochman
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.631

Abstract

Banks’ profitability reflects their ability to perform financial intermediation, manage credit risk, and control operating costs. Bank bjb’s return on assets (ROA) declined during the 2014–2024 period, highlighting the need to identify its key financial determinants. This study aimed to examine the effects of non-performing loans (NPL), loan-to-deposit ratio (LDR), and operating expenses to operating income (BOPO) on return on assets (ROA). A quantitative descriptive and explanatory research design was employed using 44 quarterly observations derived from Bank bjb’s financial statements and annual reports, along with official publications from the Indonesia Stock Exchange and the Financial Services Authority. Saturated sampling was applied, and the data were analyzed using SPSS through descriptive statistics, classical assumption tests, multiple linear regression analysis, correlation analysis, coefficient of determination analysis, and hypothesis testing. The findings showed that NPL, LDR, and BOPO simultaneously had a significant effect on ROA (F = 5.186; p = 0.004). Partially, NPL had a significant negative effect on ROA (B = -0.155; p = 0.034), whereas LDR had a significant positive effect on ROA (B = 0.013; p = 0.030). BOPO had a negative but statistically insignificant effect on ROA (B = -0.011; p = 0.296). The model explained 22.6% of the variation in ROA. Therefore, profitability was strongly influenced by effective credit risk management and an optimal intermediation function, supported by continuous efficiency improvements and revenue diversification strategies.
Bridging the Agility Gap: A Strategic Framework for Commercial Banks to Enter the Un-Banked Lending Market Sintaully Anggia C; Jagat Prirayani
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.637

Abstract

Extending sustainable finance to Indonesia’s unbanked Micro, Small, and Medium Enterprise (MSME) sector presents a structural paradox. Traditional commercial banks possess a significant competitive advantage through access to low-cost capital, yet they are consistently disintermediated by fintech disruptors that offer faster services despite charging higher interest rates. This research investigates the root causes of this market displacement based on the theories of Information Asymmetry and Transaction Cost Economics (TCE). By integrating empirical data from a Principal Component Analysis (PCA) of MSME market demands and an Analytic Hierarchy Process (AHP) of banking executive priorities, this study identifies the specific areas where conventional banking models fail to meet market expectations. It develops a 12-cell Strategic Alignment Matrix that reveals a critical agility gap. To address this challenge, this paper proposes a paradigm shift toward an API-driven, B2B2C (Business-to-Business-to-Customer) Ecosystem Financing Model. This redesigned business process leverages open banking, smart contract automation, and closed-loop disbursement mechanisms to achieve fintech-level service speed. By systematically reducing operational costs through technology integration, banks can accommodate a realistic 4.5% Non-Performing Loan (NPL) rate while maintaining the risk tolerance required for sustainable and accelerated financial inclusion.
The Influence of Inclusive Leadership on Knowledge Sharing Behavior: Psychological Safety as A Mediated Variable Among Cross-Generational Civil Servants at The Riau Provincial Governor's Office Reza Ilham Carnavian; Ari Setiawan
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.615

Abstract

Purpose – This study aims to examine the mediating role of psychological safety in the relationship between inclusive leadership and knowledge-sharing behavior (KSB) among civil servants while exploring potential intergenerational differences between younger and senior cohorts. Method – Using a cross-sectional, quantitative explanatory design, this study collected survey data from 209 civil servants at the Regional Secretariat of Riau Province through proportionate stratified random sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) and PLS Multi-Group Analysis (PLS-MGA) in SmartPLS. Findings – The results indicate that inclusive leadership has a significant positive effect on psychological safety but does not have a significant direct effect on KSB. Conversely, psychological safety significantly enhances KSB and serves as a full mediator in the relationship between inclusive leadership and KSB. Furthermore, PLS-MGA reveals significant intergenerational differences: the effect of inclusive leadership on psychological safety is markedly stronger among the younger cohort. However, no significant generational differences were observed in the direct relationship between inclusive leadership and KSB. Originality/Value – This study contributes to the literature by challenging the assumption of homogeneity among public-sector personnel. By employing PLS-MGA, it reveals distinct sociopsychological sensitivities across generational cohorts within local government bureaucracy. Practical Implications – The findings demonstrate that inclusive leadership cannot independently promote knowledge-sharing behavior without first establishing a foundation of psychological safety. Consequently, local governments should formulate inclusive governance guidelines, implement leadership training focused on psychological safety, and establish intergenerational reverse-mentoring programs to reduce interpersonal anxiety among younger civil servants, thereby fostering a more collaborative bureaucratic environment.
The Effect of Learning Opportunity and Career Development on Employee Satisfaction and Intention to Stay Across Indonesia: A SEM-PLS Approach Henny Utami Putri
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.628

Abstract

This study aims to analyze the effects of Learning Opportunity (X1) and Career Development Support (X2) on Job Satisfaction (Y1) and Intention to Stay (Y2) among employees in Indonesia, as well as to examine the mediating role of Job Satisfaction in these relationships. Tenure (X3) was included as a single-indicator control variable based on empirical evidence of statistically significant differences across tenure groups identified through ANOVA. Data were obtained from 168 valid respondents aged 22–40 years, representing eight major industries in Indonesia and selected through purposive sampling. The measurement instrument comprised 19 reflective indicators representing the key study constructs. Partial Least Squares Structural Equation Modeling (PLS-SEM) was performed using SmartPLS 3.0, with bootstrapping based on 5,000 subsamples used to assess statistical significance. The findings indicate that Learning Opportunity significantly affects Job Satisfaction (? = 0.636; p < 0.001) and directly influences Intention to Stay (? = 0.201; p = 0.019). Career Development Support also exerts an indirect effect on Intention to Stay through Job Satisfaction, indicating a mediating effect. Job Satisfaction significantly influences Intention to Stay (? = 0.557; p < 0.001) and serves as an important mechanism linking the independent variables to employees’ intention to remain with their organizations. The managerial implications of this study suggest that organizational investment in structured learning opportunities and career development programs can serve as an effective and measurable employee retention strategy, particularly in Indonesia’s increasingly competitive labor market.
Development and Psychometric Testing of the Analysis Paralysis Syndrome Scale Among Students irma finurina mustikawati; Paramita Septianawati
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.634

Abstract

Analysis Paralysis Syndrome (APS) is a psychological condition characterized by excessive analysis that may hinder individuals from making decisions and taking action. To date, no psychometric instrument has been specifically developed to measure Analysis Paralysis Syndrome among university students in Indonesia. This study aimed to develop and evaluate the psychometric properties of an Analysis Paralysis Syndrome Scale for university students. A quantitative approach using an instrument development design was employed. The study sample consisted of 400 university students aged 17–30 years who were selected through purposive sampling. The instrument was developed based on six dimensions: overanalysis, decision delay, excessive information seeking, fear of making incorrect decisions, cognitive overload, and action inhibition, comprising 18 items measured using a four-point Likert scale. Data analysis included content validity assessment through expert judgment, item discrimination analysis, reliability testing using Cronbach’s Alpha, and construct validity testing using Confirmatory Factor Analysis (CFA) with IBM SPSS Statistics and IBM SPSS AMOS software. The results indicated that all indicators had standardized factor loadings of ? 0.50 and were statistically significant (p < 0.05), demonstrating that they adequately represented the Analysis Paralysis Syndrome construct. The instrument showed good internal consistency, with Cronbach’s Alpha values ? 0.70, and fulfilled construct reliability requirements, with Construct Reliability (CR) values ? 0.70 and Average Variance Extracted (AVE) values ? 0.50. The Goodness-of-Fit analysis confirmed that the measurement model met acceptable criteria; therefore, the instrument was considered valid and reliable for measuring Analysis Paralysis Syndrome among university students. The developed scale can be used as an assessment and research instrument to identify tendencies toward analysis paralysis within the university student population.
Revitalizing Corporate Customer Loyalty Through the Integration of RFM Analysis and Ethnography: Data-Based Retention Strategies at Pt Indonesia Comnets Plus (ICON+) for the Period 2024–2025 Yunianto Prabowo; Jerry Heikal
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.635

Abstract

This study examined the decline in customer attachment to PT Indonesia Comnets Plus (ICON+), a telecommunications subsidiary of PLN, by integrating Recency-Frequency-Monetary (RFM) analysis and ethnographic segmentation with transaction data and corporate customer deactivation records from 2024 and 2025. Using SPSS-based RFM scoring of 518 customers in 2024 and 482 customers in 2025, along with ethnographic coding of 1,761 transaction records involving 940 unique accounts, the study found that although the active customer base decreased by 7.0%, the total transaction value declined substantially from approximately IDR 47.2 billion to IDR 5.7 billion. Furthermore, 17 of the 60 retained customers (28.3%) experienced an average decrease of 2.24 points in their RFM scores, equivalent to the impact of negative transactions amounting to approximately IDR 2.8 billion. The ethnographic analysis identified two structural customer segments: Industrial/National Account customers (44.4%) and Regional/SME customers (55.6%), with customer churn primarily driven by administrative cycles (41.3%) and budget sensitivity (31.1%). Five priority accounts with significant declines in Recency scores (from 3 to 1) were analyzed in depth to formulate an Online Value Proposition (Smart Continuity Partner Portal), four SMART tactics, and operational work programs mapped within the 8Ps service marketing framework. The study concluded that the integration of quantitative RFM segmentation and qualitative ethnographic pain point analysis provided a stronger foundation for corporate customer retention strategies than the application of either method independently.
The Effects of Transformational Leadership, Motivation, Competence, and Commitment on Innovation Capability and Their Implications for the Performance of Civil Servants (A Study of the West Java Provincial Department of Industry and Trade) Rohman Agus Jatnika; M. Sidik Priadana; Senen Machmud
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.636

Abstract

This study examined the effects of transformational leadership, work motivation, competence, and commitment on innovation capability and their implications for the performance of civil servants (Aparatur Sipil Negara [ASN]) at the Department of Industry and Trade (Dinas Perindustrian dan Perdagangan [Disperindag]) of West Java Province. The study was conducted based on preliminary findings indicating that employee performance, innovation capability, transformational leadership, motivation, competence, and commitment were categorized as relatively good but had not yet reached optimal levels. A quantitative approach using descriptive and verificative methods was applied. The study employed a saturated sampling technique involving all 350 ASN employees at Disperindag West Java. Data were collected through a Likert-scale questionnaire and analyzed using Structural Equation Modeling (SEM) with LISREL 8.80. The results indicated that transformational leadership, work motivation, competence, and commitment simultaneously and partially had significant positive effects on innovation capability, accounting for 77.63% of its variance. Furthermore, innovation capability had a significant positive effect on employee performance, explaining 83.41% of the variance. Among the examined factors, transformational leadership had the strongest influence on innovation capability (22.90%), followed by competence (19.78%), motivation (18.37%), and commitment (16.58%). Innovation capability functioned as a key mediating variable connecting the four antecedent factors with employee performance. The structural model demonstrated good fit criteria, confirming its theoretical adequacy. These findings highlighted the importance of an integrated human resource strategy to strengthen leadership, motivation, competence, and commitment in improving innovation capability and ASN performance.
The Shift or Limitation of the Role of Dominus Litis in Law No. 20 of 2025 (Criminal Procedure Code) Regarding the Status and Authority of the Public Prosecutor as Dominus Litis P. A. Juanda Panjaitan
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.641

Abstract

The principle of dominus litis establishes the Prosecutor’s Office as the authority responsible for controlling the prosecution process in criminal cases. However, in Indonesian criminal justice practice, the role of the Public Prosecutor (Jaksa Penuntut Umum/JPU) is subject to limitations, as stipulated in Article 62 paragraph (5) of Law Number 20 of 2025 concerning the Criminal Procedure Code (Kitab Undang-Undang Hukum Acara Pidana/KUHAP). This normative legal research analyzes the causes and implications of the shift or limitation of the dominus litis principle and formulates directions for its legal reconstruction. Employing statutory, conceptual, and comparative approaches, this study examines primary legal materials, including the 2025 KUHAP and the Law on the Prosecutor’s Office, as well as secondary legal materials such as academic literature and judicial decisions. The results indicate a reduction in the Public Prosecutor’s ability to control the completion of the investigation process before the case is formally transferred for prosecution, rather than a loss of the Public Prosecutor’s authority to determine whether the case should proceed. The findings therefore show that, although the Prosecutor’s Office retains ultimate authority over the continuation of prosecution, its capacity to ensure the completeness of the investigation before assuming control of the case has been significantly constrained.

Page 45 of 52 | Total Record : 519

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