Abstract:The purpose of this paper is to assess the efficiency of the general banking industry in Indonesia on the use of digital banking and digital transformation. This paper is a research paper with quantitative methods and uses…
es primary data collected by researchers using questionnaires. As for the data analysis method with PLS software SmartPls. The respondents were employees of commercial banks consisting of ten Islamic commercial banks and eleven conventional commercial banks. Findings - Investigative findings show that the banking industry in Indonesia is generally on a trend of increasing efficiency after implementing digital banking and digital transformation. And Financial Innovation does not moderate digital banking and digital transformation towards efficiency. This study provides a basis for regulators and bankers to improve efficiency in the banking sector by improving services to customers through the application of digital banking and digital transformation in order to improve banking performance. Originality/value – This paper presents new empirical findings on the state of efficiency of Commercial Banks in Indonesia after using digital banking and digital transformation.
Abstract:This research reflects the level of satisfaction among customers within Indonesia's tourism sector, especially in Bali, a globally renowned island destination. Key elements affecting the satisfaction of tourists in Indonesia…
esia include tourism facilities, tourist information, and tourism infrastructure. The aim of this research is to recognize and gather empirical evidence to draw conclusions regarding the satisfaction of foreign tourists. The research method is a descriptive quantitative approach with a sample size of 250 individuals. Data is collected through observation and a questionnaire survey. Analysis involves multiple linear regression analysis, hypothesis testing, and the determination coefficient method using SPSS 26. The findings indicate that tourism facilities, tourist information, and tourism infrastructure collectively contribute to a 90.4% influence on the satisfaction of foreign tourists. A segment of the research shows tourism facilities have no influence on tourist satisfaction and the significant positive influence of tourist information and tourism infrastructure on tourist satisfaction. Hence, it is essential to enhance and maintain these facilities.
Abstract:The rapid growth of the ICT market in Indonesia is driven by a young and prosperous population. However, domestic SMEs are struggling to meet the increasing demand. This paper analyzes the internal and external factors affecting…
ffecting innovation in ICT firms. The findings suggest that ICT skills, market-related skills, management experience, and cognitive capability are positively related to innovation. Additionally, improving ICT education and emphasizing modern management is identified as a key challenge. The paper also recommends enhancing value co-creation in local communities, particularly between small firms and local customers, and between foreign firms and local small firms.
Abstract:This study explores the impact of Effectiveness, Additional Employee Income (TPP), and Work Motivation on the performance of State Civil Apparatus (ASN) at the Medan City Health Service, with Discipline as a moderating variable.…
ariable. The quantitative method was employed with a population of 190 ASN employees, and a sample of 127 ASN. Data analysis was conducted using Structural Equation Modeling (SEM) with Smart Partial Least Squares (PLS) technique. The research findings indicate a positive and significant influence of Effectiveness, TPP, Work Motivation, and Work Discipline on the performance of ASN in the Medan City Health Service. Additionally, there is a positive and significant impact of Effectiveness, TPP, and Work Motivation on the performance of ASN moderated by Work Discipline. The conclusion drawn from this research is that Work Discipline has the most significant influence on the performance of ASN, while TPP has the least impact. Recommendations involve enhancing focus on developing Work Discipline to significantly improve employee performance. Despite TPP having the smallest impact, strategic considerations are still necessary in incentive management to maintain employee motivation.
Abstract:The purpose of the study is to examine the impact of behavioural biases (herding, mental accounting, and regret averson) on investment decisions. The authors further examine the moderation effect of financial literacy in…
the relationship between behaviour biases and investment decisions. The study considered a cross-sectional research design. For this survey, the data have been collected through a structured questionnaire from 215 government officials of BPK RI. To analyse the validity and reliability, the Pearson correlation and Cronbach’s alpha test have been taken into account respectively. For testing the hypothesis, hierarchical regression analysis has been used in the study. The results of the study reveal that research results also show that bias herding, mental accounting, and regrets on investment decisions have a positive and significant influence. Meanwhile, financial literacy on investment decisions has a negative and significant influence. Furthermore, herding bias is moderated by financial literacy on investment decisions and has a positive and significant influence. Meanwhile, mental accounting bias and regret aversion are moderated by financial literacy on investment decisions and have a negative and significant influence. Based on this present research finding, the study is more productive for the government officials and policymakers at the time of making an investment portfolio for the government officials based on their behavioural biases. The study recommends that investors need training programmes, workshops and seminars that enhance financial literacy and financial knowledge of government officials which helps them to overcome behavioural biases while making an investment decision. The current study aims to explore whether several behavioural biases can affect investment decisions. Moreover, the authors would like to examine whether these associations are moderated by financial literacy. In this sense, financial literacy might also play a substantial part in the prediction of investments. The current study might be of the first study that examines the moderation effect financial literacy amongst male and female investors.
Abstract:There are indications of issues in the implementation of the Coastal Community Empowerment Program in Labean Village, Balaesang Subdistrict, facing challenges in evaluating concrete actions by the Social Affairs Office related…
elated to preventive, repressive, rehabilitative, and reintegrative efforts. The aim of this research is to analyze the Implementation of the Coastal Community Empowerment Program in Labean Village. This study utilized a qualitative approach with data collection techniques involving interviews, observations, and documentation with stakeholders such as the Social Affairs Office, village heads, community leaders, and related institutions to assess the strategies and evaluations conducted. The research findings show that communication strategies through direct meetings, print media, and social media have been successful in disseminating program information. Collaborations with village heads, community leaders, and a well-organized bureaucratic structure demonstrate strong efforts in supporting the program. However, the evaluation of concrete actions by the Social Affairs Office concerning preventive, repressive, rehabilitative, and reintegrative efforts needs further attention. In conclusion, there is a need for a focus on evaluating concrete actions and improvements in social evaluation strategies to ensure the sustainability and effectiveness of the Coastal Community Empowerment Program in Labean Village.
Abstract:The objective of this research is creating innovative teaching materials, the Wipe and Clean Workbook, which has been infused with Madurese culture. This product is a reusable workbook that allows elementary school students…
nts to reinforce English skills contextually and reuse the product to minimize paper consumption. The need to give young students contextual language learning experiences and to inculcate a sense of environmental responsibility is growing as the globe faces environmental concerns. Most researches in the field of language learning and environmental education tend to focus on these aspects separately, neglecting the potential synergies that can be achieved by combining them. This research is development research using 4D development model which has 4 stages, they are Define, Design, Development, and Dissemination. Based on the percentage validation results, product developed obtains a valid category. In addition, based on the results of student questionnaire with an interpretation of score based on the Linkert scale as a whole, a percentage value of 85% is obtained in the very good category. In conclusion, the findings of this research demonstrate promising results in empowering students to become well-rounded, culturally aware, and environmentally conscious global citizens. However, further research is needed to explore the long-term impact and scalability of this product.
Abstract:Medical crimes are a complex issue in the criminal justice system in Indonesia. The concept of resolving medical crimes needs to be seen from a Restorative Justice perspective to create a more holistic and fair approach.…
Restorative Justice emphasizes the restoration of damaged relationships, not just punishment of the perpetrator. In this context, this research explores the application of Restorative Justice principles in resolving medical crimes. This research uses normative and empirical legal research methods to analyze the development and implementation of Restorative Justice in handling medical crimes in Indonesia. Findings indicate the need for reform in the criminal justice system to integrate Restorative Justice approaches. Implementation of this concept can improve justice, victim satisfaction, and rehabilitation of perpetrators of medical crimes. The results of this research are expected to contribute to further understanding of the effectiveness of Restorative Justice in dealing with medical crimes in Indonesia. The practical implication is the need to improve regulations and increase awareness of actors in the criminal justice system to ensure that justice and recovery are the main focus in handling medical crimes.
Abstract:This research aims to analyze public service ethics in population administration, with a focus on the Palu City Population and Civil Registry Service. Problems such as long processing times, unclear procedures, discrimination,…
ation, unreasonable fees, unresponsive services, poor document quality, non-transparency and corrupt practices in processing Family Cards are the background for this research. The research method used is qualitative with a descriptive approach. Data was collected through in-depth interviews, observation and document analysis. Informants were selected using a purposive sampling technique from various levels in the organizational hierarchy, service applicants, and people who had interacted with population administration. The research results show several important findings. Efficient use of public funds, separation between personal and office property, and implementation of a merit system in employee recruitment and promotion are important aspects that need to be improved. In addition, responsibility, professional standards and accountability in the use of public funds must be improved. Responsiveness to complaints, problems and aspirations of the community is also a key factor in improving public service ethics. It is hoped that this research can contribute to understanding and improving ethical practices of public services in population administration. The practical implications of this research include recommendations for improvements in procedures, policies, and better organizational culture to ensure public services that are more ethical and responsive to community needs.
Abstract:The main goal of this study is to ascertain how poverty is affected in 16 Indonesian provinces by which is the Human Development Index, gross regional product, and minimum salaries in each province. Multiple linear regression…
ssion analysis is the method utilized for analysis. The Fixed Effect Model is the estimate technique used for panel regression models. The analysis’s findings demonstrate that the provincial minimum wage has no discernible impact on poverty, indicating that raising the minimum wage does not always translate into more prosperity or a decline in poverty. In the meantime, poverty is negatively impacted by both the Human Development Index and the Gross Regional Domestic Product, which means that poverty is significantly negatively impacted by both the HDI and GRDP.