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INDONESIA
META - JOURNAL
Published by CV. Sulthan Abadi
ISSN : -     EISSN : 30310938     DOI : 10.59971/meta-journal
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
META JOURNAL is a popular scientific journal in the fields of Management, Economics, Trade, and Accounting which is published every 2 months (October, December, February, April, June, and August). META JOURNAL is accepts manuscripts of research results and study results that bring up scientific and actual ideas in the fields of Management, Economics, Trade, and Accounting Journal both in Indonesian and English. We welcome and invite all scientific communities, both lecturers, researchers, practitioners, teachers and students to send their scientific manuscripts according to the focus and scope of the journal.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 12 Documents
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Search results for , issue "Vol 3 No 4 (2026): April" : 12 Documents clear
Comparative Financial Performance Analysis of Banking and Insurance Institutions: Evidence from Bank Rakyat Indonesia and Asuransi Dayin Mitra Abadi, Rahmat Riwayat
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 4 (2026): April
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i4.403

Abstract

The financial services industry consists of various institutions with different operational models, including banking institutions and non-bank financial institutions such as insurance companies. This study aims to analyze and compare the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk (BRI) and PT Asuransi Dayin Mitra Tbk (ASDM) using financial statement analysis for the 2023–2024 period. The research applies a descriptive comparative method using financial position statements, income statements, and financial ratio analysis. The results indicate that BRI demonstrates strong financial stability supported by a large asset base, strong capital adequacy, and stable profitability derived from interest-based intermediation activities. Meanwhile, ASDM shows significant profit growth driven by underwriting efficiency and investment returns. The analysis also reveals structural differences between banks and insurance companies in asset allocation, revenue sources, leverage structure, and risk exposure. Digital transformation also plays a critical role in improving operational efficiency and expanding financial service ecosystems. Overall, both institutions exhibit strong financial resilience, although their financial strategies and risk management approaches differ according to their respective business models
Comparative Analysis of Financial Performance of Bank and Non-Bank Financial Institutions: Case Study of PT Bank Central Asia Tbk and PT BFI Finance Indonesia Tbk Hasdiansa, Ilma Wulansari
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 4 (2026): April
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i4.401

Abstract

This study aims to analyze and compare the financial performance between bank and non-bank financial institutions in Indonesia using a case study of PT Bank Central Asia Tbk (BCA) and PT BFI Finance Indonesia Tbk. The research method used is quantitative descriptive with a financial statement analysis approach, including balance sheet analysis, profit and loss, and financial ratios for the 2022–2024 period. The results of the study show that BCA has a more stable and superior financial performance in terms of profitability, operational efficiency, and strong capital. Meanwhile, BFI Finance showed a fairly good performance but was more vulnerable to financing risks and profit fluctuations. This difference is due to the business structure, funding sources, and operational characteristics of each institution. This research contributes to understanding the dynamics of financial sector performance and becomes a reference for investors and academics in decision-making.
Comparative Analysis of Financial Performance of Bank and Non-Bank Financial Institutions: Case Study of PT Bank Maybank Indonesia Tbk and Pt Prudential Life Assurance for the 2023–2024 Period Aswar, Nurul Fadilah
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 4 (2026): April
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i4.425

Abstract

This study aims to analyze and compare the financial performance between bank and non-bank financial institutions in Indonesia with a case study of PT Bank Maybank Indonesia Tbk and PT Prudential Life Assurance for the 2023–2024 period. The research uses a quantitative descriptive approach with the analysis of financial statements which includes balance sheets, profit and loss, and financial ratios. The results show that banks have a more stable performance with diversified asset structures and consistent income, while non-bank financial institutions show high profitability but are more sensitive to market and investment risks. These differences reflect the characteristics of each institution's business model and funding sources. This research provides important implications for investors and regulators in understanding risks and opportunities in the financial sector
Go International's Strategy On East Java Handicraft MSMES: A Case Study In The Creative Industry Afif; Sudarmiatin; Pratikto, Heri
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 4 (2026): April
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i4.426

Abstract

This study aims to analyze the strategy of going international in Micro, Small, and Medium Enterprises (MSMEs) in the handicraft sector in East Java with a case study approach on Written Batik MSMEs "Sumber Rejeki" in Sidoarjo Regency. The background of this research is based on the increasing demands of globalization and international market opportunities for the local creative industry, but still faced with limited capacity, market access, and digital literacy. The research method uses a qualitative approach with data collection techniques through in-depth interviews, observations, and documentation. Data analysis was carried out descriptively with the theoretical framework of internationalization strategy and resource-based view (RBV). The results of the study show that the go international strategy implemented includes: (1) the use of global digital and e-commerce platforms as a means of penetrating the international market, (2) strengthening branding based on local wisdom through storytelling of batik products, (3) participation in international exhibitions and government programs such as trade expos, and (4) collaboration with export partners and aggregators. However, MSMEs still face various challenges, such as limited production capacity, international quality standards, logistical constraints, and export regulations. This research implies that the success of the internationalization of MSMEs is not only determined by internal resources, but also by ecosystem support, including governments, digital platforms, and global business networks.
Compensation And Rewards In The Digital Age: The Development Of Performance Systems, Bonuses, And A Flexible Approach To Employee Rewards Nursasi, Farika; Sari, Karina Kemala; Janaldo, William; Zagladi, Noviarakhman
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 4 (2026): April
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i4.427

Abstract

Purpose − In the rapidly evolving digital era, the paradigm of employee compensation and rewards is undergoing a fundamental transformation. The concept of Digital Compensation and Rewards has emerged as a response to these changes, emphasizing the development of adaptive performance systems, innovative bonus strategies, and flexible reward mechanisms. Overall, this paradigm introduces modern approaches to human resource management. As digitalization advances, compensation and reward systems are also undergoing significant changes, with the use of technology enabling the more efficient implementation of performance-based systems. Findings − The literature review indicates that technology has a significant positive impact on the employee recruitment process. Additionally, the implementation of digital compensation and rewards plays a crucial role in enhancing employee performance. Design/Methodology/Approach − By utilizing data-driven performance assessments through digital platforms, companies can collect and analyze employee performance data in greater detail. This enables more objective and accurate evaluations, while also creating opportunities to provide appropriate recognition for individual contributions. Practical Implications − These include improving recruitment processes through digital technology and social media, adapting compensation systems to incorporate digital performance bonuses and application-based incentives, providing flexibility in rewards tailored to individual preferences, leveraging data analytics to accurately measure employee performance, and developing HR competencies in integrating digital technology into human resource management. By addressing these implications, organizations can strengthen their HR strategies to navigate the challenges and opportunities of the digital era, ultimately supporting organizational growth and success. Originality/Value − This study offers an innovative perspective on how organizations can leverage digital technology and more flexible bonus systems to enhance employee motivation and productivity. With a focus on the digital era, it highlights the importance of adapting to technological changes in human resource management. The key value of this paper lies in providing practical guidance for organizations aiming to optimize employee performance and reward systems in an increasingly dynamic digital environment.
Digital Upskilling and Reskilling for Smart Manufacturing Workforce: A Bibliometric Analysis (2020–2025) Kartika, Mohammad; Ramdani, Gani; Pradipta, Malvin Dharma; Zagladi, Arief Noviarkahman; Nora, Elvira
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 4 (2026): April
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i4.428

Abstract

Industry 4.0 and smart manufacturing paradigms have fundamentally altered the skill profiles required of the industrial workforce. Consequently, digital upskilling and reskilling have become paramount strategies within human resource development (HRD). Despite increasing academic attention, the literature lacks a comprehensive bibliometric evaluation of these digital training initiatives specifically tailored to smart manufacturing environments. To address this void, the present study conducts a bibliometric review of Scopus-indexed literature from 2020 to 2025. Through VOSviewer software, we analyze publication trajectories, influential contributors, primary publication outlets, citation impacts, and thematic networks. The results demonstrate an accelerated publication rate post-2020, converging around four primary clusters: Industry 4.0 competency frameworks, digital training infrastructures, workforce adaptability, and continuous learning. This analysis not only delineates a roadmap for future academic inquiry but also provides strategic guidance for HRD practitioners managing industrial transitions.
The Role of E-Commerce Platforms as an Export Bridge for Culinary MSMEs: Rollin.MLG Case Study in Malang City Windarto, Agoes; Sudarmiatin; Pratikno, Heri
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 4 (2026): April
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i4.430

Abstract

The internationalization of Micro, Small, and Medium Enterprises (MSMEs) through e-commerce platforms is an increasingly relevant phenomenon in the digital economy era. This study aims to analyze the role of e-commerce platforms, especially Tokopedia, Shopee, and TikTok Shop, as potential export bridges for culinary MSMEs in Indonesia, by taking a case study on rollin.mlg, a culinary MSME based in Malang City, East Java. Using a qualitative approach with an exploratory case study design, data were collected through in-depth interviews, digital platform observations, and documentation. The results of the study show that although Rollin.mlg has not exported directly, the three platforms have features that have the potential to support international market penetration. However, there are significant obstacles, including a limited product shelf life, a lack of export certification, limited production capacity, and a lack of digital export literacy. This research contributes to the development of a digital export readiness framework for Indonesian culinary MSMEs.
The Effectiveness of Customs Policy on the Internationalization Process of Furniture MSMEs in Pasuruan: A Case Study Based on Regulatory Compliance Rozi, Wisma Miftahur; Sudarmiatin; Pratikto, Heri
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 4 (2026): April
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i4.431

Abstract

This study aims to analyze the effectiveness of customs policy on the internationalization process of furniture MSMEs in Pasuruan by emphasizing the regulatory compliance aspect. This study uses a qualitative approach with a case study method on one of the furniture MSMEs that has carried out export activities. Data collection was carried out through in-depth interviews, observations, and documentation related to export procedures and compliance with customs requirements. The results of the study show that customs policy has a significant role in determining the smooth export process, especially in the aspects of administration, classification of goods, and fulfillment of export documents. The level of understanding of MSME actors with applicable regulations is a key factor in increasing compliance and minimizing export barriers. However, procedural complexity, limited regulatory literacy, and dynamic policy changes are still the main obstacles in the internationalization process. On the other hand, government support through socialization, digitization of customs services, and export facilitation has proven to be able to increase the readiness of MSMEs to penetrate the global market. This study concludes that the effectiveness of customs policies is not only determined by the regulations themselves, but also by the level of adaptation and compliance of MSMEs to the applicable regulations. The implications of this study emphasize the importance of increasing legal literacy and strengthening the assistance system for MSMEs to increase export competitiveness in a sustainable manner.
SME Resilience under Global Economic Disruption: A Conceptual Analysis Based on Resource-Based View and Dynamic Capabilities Mahardianingtyas, Sofia; Sudarmiatin; Pratikto, Heri
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 4 (2026): April
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i4.429

Abstract

This study analyzes how small and medium-sized enterprises (SMEs) respond to global economic disruptions, particularly those driven by geopolitical instability and energy price volatility. The research adopts a conceptual and desk-based approach by synthesizing recent literature on SME resilience and organizational capabilities. The findings indicate that SMEs are highly vulnerable to external shocks due to limited resources, yet they possess adaptive potential through internal capabilities. In particular, dynamic capabilities enable SMEs to sense environmental changes, seize emerging opportunities, and transform business operations. These capabilities are often manifested through business model innovation, digital technology adoption, and supply chain adjustments. Furthermore, external support such as government policies and technological infrastructure strengthens SMEs’ resilience and recovery capacity. This study proposes a conceptual framework linking global economic shocks to SME resilience through internal capabilities and strategic adaptation. The findings provide practical implications for SMEs and policymakers in developing countries to enhance business sustainability and economic stability under uncertain global conditions.
Digital-Based Internationalization Strategy In Penetrating The Global Market: A Case Study On Footwear MSMes in Mojokerto Isnaini, Arif; Sudarmiatin; Pratikto, Heri
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 4 (2026): April
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i4.432

Abstract

This research aims to analyze the digital-based internationalization strategy implemented by "Kenzi" Mojokerto footwear MSMEs, as part of creative industry players in the Mojokerto footwear center, which is known to have hundreds of craftsmen with national and international standard product quality. This research uses a qualitative approach with a case study design on "Kenzi" MSMEs that have penetrated foreign markets through digital channels. Data collection techniques were carried out through in-depth interviews, observations, and documentation, with data analysis using interactive models. The results of the study show that the "Kenzi" MSME internationalization strategy is carried out through the optimization of the global marketplace, social media, and strengthening digital branding to increase product visibility in the international market. Competitive advantage lies in product design that is adaptive to global trends, local craftsmanship-based quality, and production flexibility. However, the challenges faced include limited production capacity, suboptimal digital literacy, and the complexity of international export and logistics regulations. This research contributes to the development of a contextual digital-based internationalization strategy model for footwear MSMEs, especially in the Mojokerto area, as the center of the footwear industry, and becomes the basis for policy recommendations in encouraging MSMEs to go global.

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