Saur Costanius Simamora | Universitas Suryadarma (original) (raw)

Papers by Saur Costanius Simamora

jurnal pengabdian masyarakat dan penelitian terapan (jpmt), 2024

The purpose of the community service program activities held at SMK Widya Patria 2, Jakarta on Ap... more The purpose of the community service program activities held at SMK Widya Patria 2, Jakarta on April 29, 2024, aims to provide education and literacy of tax awareness from an early age, provide insight and tax literacy as a basis for follow-up for students, and provide a mindset and positive influence related to taxes slowly formed in students who will become prospective taxpayers. This activity is carried out face-to-face directly with participants, and the methods used are; Education and practical training, in the form of material presentation, and questions and answers. While the results of this activity are ensuring participants understand the material and are able to make online SPT reports.

Advances in economics, business and management research/Advances in Economics, Business and Management Research, 2024

This research aims to systematically review the literature on aerotropolis and study emerging aer... more This research aims to systematically review the literature on aerotropolis and study emerging aerotropolis research from various disciplinary perspectives. The research data collection process uses reference management software, namely Publish or Perish. This research uses data from articles published and indexed by Google Scholar, Crossref, OpenAlex, and Semantic Scholar. The keyword grouping process is assisted by VosViewer software. After carrying out the research stages, 1,143 titles were obtained with 4,617 citations and evaluated based on the selected topics; the elimination of duplicate articles from each database was carried out. Finally, 772 articles were obtained after sorting. Of the 772 publications on aerotropolis, 175 keywords were identified. Based on the publication bibliometric map, 9 clusters were formed. Cluster 1 consists of 35 concepts, cluster 2 consists of 32 concepts, cluster 3 consists of 24 concepts, cluster 4 consists of 21 concepts, cluster 5 consists of 20 concepts, cluster 6 consists of 13 concepts, cluster 7 consists of 12 concepts, cluster 8 consists of 10 concepts, and cluster 9 consists of 8 concepts. The nine clusters related to the keyword "aerotropolis" can act as exogenous or endogenous factors in explaining aerotropolis.

Jurnal Aplikasi Bisnis dan Manajemen, Jan 30, 2024

Jurnal Ilmiah M-Progress, Jan 25, 2024

DEDIKASI PKM, May 15, 2024

Jurnal M Progress, 2024

Koperasi mempunyai tujuan dasar yaitu untuk mensejahterakan anggotanya. Bentuk kesejahteraan angg... more Koperasi mempunyai tujuan dasar yaitu untuk mensejahterakan anggotanya. Bentuk kesejahteraan anggota koperasi adalah dengan pembagian keuntungan koperasi (SHU). Agar dapat memperoleh keuntungan SHU yang tinggi, maka koperasi harus dapat mengelola aset-asetnya secara baik dan benar. Kinerja keuangan koperasi dikelola dengan baik akan berdampak pada keuntungan koperasi meningkat, berdampak pula pada pembagian SHU kepada anggota. Dalam penelitian ini mempunyai tujuan mengevaluasi perkembangan dan tingkat kesehatan untuk menilai kinerja keuangan KSP CU Bina Seroja periode 2017-2021 dengan metode analisis komparatif dan trend menggunakan rasio PEARLS. Dari hasil evaluasi dari kinerja keuangan KSP CU Bina Seroja dengan metode analisis komparatif dan trend di atas, dapat dilihat bahwa ada beberapa indikator yang hasilnya kurang baik, indikator tersebut adalah Effective financial structure 1 (E1) merupakan indikator untuk melihat penyerapan pinjaman beredar berbanding aset. Kenaikan aset yang begitu pesat, tidak diimbangi dengan penyerapan pinjaman kepada anggota. Hasil E1 yang cenderung turun, berpengaruh terhadap pendapatan bunga pinjaman, pendapatan CU akan turun, sementara CU harus membayar biaya modal dan biaya operasional, yang pastinya akan berdampak kepada pembagian dividen kepada anggota.

Proceedings of the 8th Global Conference on Business, Management, and Entrepreneurship (GCBME 2023), 2023

The interbank call money market plays an essential role in the financial system, whereby financia... more The interbank call money market plays an essential role in the financial system, whereby financial institutions and banks borrow and lend funds on a short-term basis from each other. In Indonesia's interbank money market, it is necessary to dig deeper into investor profiles and their relationship to investment decisions. This research investigates whether 11 behavioural biases (Availability, Hindsight, Representativeness, Overreaction, Conservatism, Anchoring Adjustment, Confirmation Bias, Excessive optimism and overconfi-dence, Mental Accounting, Framing Effect, and Disposition Effect) and investment decisions have significant differences or not through gender and education perspectives. Thirtytwo (32) respondents were sampled online through a questionnaire from Indonesian banking companies. Data were examined and analysed by nonparametric Mann-Whitney statistical analysis technique using SPSS as the statistical tool. The data revealed significant differences between men and women with excessive bias. Also, there is a significant difference between Diploma bachelor's and master's degrees in the excessive and disposition bias. While at investment decisions, there are no significant differences through gender and education perspectives.

Jurnal Aplikasi Manajemen dan Bisnis, 2024

This study evaluates a company's resources and capabilities to determine whether they can provide... more This study evaluates a company's resources and capabilities to determine whether they can provide a sustainable competitive advantage on digital transformation. Using VRIO analysis, the study assesses the value, rarity, imitability, and organization of digital transformation in small banks. The results show that digital transformation is valuable for small banks but is familiar and relatively easy to imitate. Organizational support is critical for successful digital transformation in small banks. Small banks must leverage their strengths and adopt emerging technologies to remain competitive in the banking sector. Result of this study suggest that small banks can achieve competitive parity through a strategic focus on digital. Results on VRIO Analysis on PT. Bank XYZ that human resources, organizational structure, technology, product & services are competitively parity. However, capital resources, information systems, skills, and reputation are competitive advantages.

JURNAL ILMIAH M-PROGRESS, 2024

Tinjauan literatur sistematis ini mencoba menjawab pertanyaan tentang metode apa yang digunakan u... more Tinjauan literatur sistematis ini mencoba menjawab pertanyaan tentang metode apa yang digunakan untuk menganalisis bagaimana teknologi blockchain berperan dalam perkembangan periklanan digital. Lalu apa peran teknologi blockchain dalam perkembangan periklanan digital di industri lain. Blockchain memainkan peran besar dalam pemasaran digital, karena industri periklanan digital secara historis sangat bergantung pada pihak ketiga. Blockchain dapat menghilangkan perantara antara dua pihak, sehingga membantu merek dan pelanggan. Salah satu pendekatan studi literatur adalah Systematic Literature Review (SLR). Penelitian ini menggunakan Systematic Literature Review dengan Metode Prisma dengan bantuan UAKE, VOS viewer, dan Aplikasi Mendeley Watase. Penelitian ini dibatasi dengan hanya mencari artikel jurnal Scopus Q1, Q2, Q3, dan Q4, terbitan tahun 2018-2022. Berdasarkan (26) dua puluh enam artikel yang ditelaah, melalui proses systematic literature review, dengan rentang waktu terbitan artikel antara tahun 2018 sampai dengan 2022. Diperoleh hasil bahwa hanya sepuluh artikel yang memenuhi kriteria dan dijadikan rujukan dalam penelitian ini. Metode analisis data yang banyak digunakan ialah perancangan atau system planning (5 artikel), kemudian qualitative method (2 artikel), quantitative method (1 artikel) dan exploratory factor (1 artikel). Hasil penelitian menunjukkan bahwa teknologi blockchain berperan besar dalam perkembangan periklanan digital (digital advertising), yang banyak diterapkan di industri e-commerce, telekomunikasi, otomotif, pertanian, hiburan (film) bahkan untuk deteksi penipuan dan pencegahan kejahatan dalam periklanan online.

Proceeding of Indonesia Focus, 2021

A counterparty credit limit is a limit imposed by a financial institution to cap its maximum poss... more A counterparty credit limit is a limit imposed by a financial institution to cap its maximum possible exposure to a specified counterparty. Banks may set different counterparty credit limits depending on credit quality, potential earnings, and growth. They use this criterion to provide a maximum credit limit given to correspondent banks. The counterparty credit limit will be used in various financial instruments other than loans; this includes interbank transactions, foreign exchange transactions, trade financing, acceptances, financial futures, swaps, bonds, equities, options, extension commitments, and guarantees, and the settlement of transactions. Every Bank, regardless of size, is in business to be profitable and, consequently, must determine the acceptable risk/reward trade-off for its activities, factoring in the cost of capital. Therefore, the credit line allocation is unadvised and uncommitted to the corresponding Bank based on the correspondent bank's credit risk assessment. The purpose of this study is to examine if there are differences among Indonesian banks in measuring the probability and impact dimension of setting the counterparty limit risks. The sample in this research is taken from 59 bank officials' financial institutions in Indonesia. This study hypothesizes that there are no differences assessed between the two dimensions. To test this, the researcher collects experts' opinions using questionnaire forms. Then, the collected data were analyzed and calculated based on the Kruskal Wallis test using SPSS 23 software. The result shows that the significance (Sig) is less than 0.05; this indicates differences in measuring the probability and impact dimension of setting the counterparty credit limit risk. The risk includes not making visits to counterparties, not responding to counterparty requests for opening a relationship as a customer or correspondent bank, misjudging the counterparty's business potential, mistakes in analysing counterparty management (owner of correspondent bank (UBO), management and organizational structure, KYC/AML needs), mistakes in analysing macroeconomics and the banking industry that have an impact on counterparties (global economy, changes in monetary authority regulations or regulations, changes in government regulations), wrong in analysing counterparty business risk (portfolio composition, customer segment, correspondent bank strategy), wrong in analysing counterparty financial performance (balance sheet analysis, R/L report, financial ratio), wrong in setting counterparty rating, incorrect calculation of counterparty limits (formulation of limits and bank capital), wrong in allocating counterparty limit (transaction risk weight & business target based on projections), mistakes in analysing the projected counterparty capability for a period of more than 1 year, not monitoring counterparty limit utilization, does not monitor counterparty financial performance (review limit in 1 period only), not monitoring and paying attention to sanctions or legal cases that occur to counterparties, not limiting and monitoring all ongoing transactions using counterparty limits, does not limit the tenor/transaction period, provide a limit even though the process of determining the counterparty limit has not been completed, and not doing due diligence on a regular basis. Ideally, all banks in Indonesia ought to have the same perspective in assessing the counterparty credit limit. This study showed that Indonesian banks should be encouraged to develop an effective strategy to improve their counterparty credit risk assessment. To further improve, policymakers can generate appropriate policies to govern the Bank's behavior in mitigating risk.

Aptekmas, 2023

Accounting learning at Sumpah Pemuda Vocational School is carried out by utilizing practice quest... more Accounting learning at Sumpah Pemuda Vocational School is carried out by utilizing practice questions from UKK SMK, where the question sheets are reproduced by printing or photocopying, for this it is necessary to carry out training and introduction to the paperless concept. This activity aims to introduce the go green-go paperless concept in processing accounting transaction data so that it can present financial reports, using the Accurate Online Accounting system application and supported by a Windows application that integrates basic accounting and taxation. From the training that has been carried out, the go green-go paperless concept can be implemented well, there has been an increase of 100% of participants creating Accurate online accounts, 92% of participants have started to get to know the application, and 61% of participants have understood how the application works. The problems that arise during the activity are minor problems in the form of unstable internet, short activity implementation time, a fairly large class number of participants, and only completing 1 (one) transaction case

... sengaja (purposive), dengan pertimbangan perusahaan tersebut merupakan perusahaan yang pertam... more ... sengaja (purposive), dengan pertimbangan perusahaan tersebut merupakan perusahaan yang pertama mengolah produk mahkota dewa di Indonesia. ... Pihak yang diwawancara melalui daftar pertanyaan (kuesioner) berjumlah empat orang antara lain Divisi pemasaran yaitu ...

Jurnal Ilmiah M-Progress, Jun 1, 2021

This study aims to determine The Effect of vacination, Dow Jones Index and Exchange Rate on the j... more This study aims to determine The Effect of vacination, Dow Jones Index and Exchange Rate on the join share price index (JCI) in Indonesia Stock Exchange in quarter 1 year 2021. Samples were taken using purposive sampling technique. Numbers of sample are 43 days since the first vaccination by the goverment. The methods used for collecting data were documentation or secondary data. And for analysis technique used is multiple linear regression analysis and classic assumption test. Based on the results of the T test, it was concluded that vaccination data had a negative and significant effect on IHSG, Exchange Rate and Dow Jones Index had a positive and significant effect on IHSG. Based on the F test it was concluded that vaccination data, Exchange Rate and Dow Jones Index had a positive significant effect. Keywords: Vaksinasi Covid-19, Indeks Dow Jones, Nilai Tukar, IHSG

Previous works on key information extraction from visually rich documents (VRDs) mainly focus on ... more Previous works on key information extraction from visually rich documents (VRDs) mainly focus on labeling the text within each bounding box (i.e., semantic entity), while the relations in-between are largely unexplored. In this paper, we adapt the popular dependency parsing model, the biaffine parser, to this entity relation extraction task. Being different from the original dependency parsing model which recognizes dependency relations between words, we identify relations between groups of words with layout information instead. We have compared different representations of the semantic entity, different VRD encoders, and different relation decoders. For the model training, we explore multi-task learning to combine entity labeling and relation extraction tasks; and for the evaluation, we conduct experiments on different datasets with filtering and augmentation. The results demonstrate that our proposed model achieves 65.96% F1 score on the FUNSD dataset. As for the realworld application, our model has been applied to the in-house customs data, achieving reliable performance in the production setting. * Corresponding author. The author's contributions were carried out while at Alibaba Group. His current affiliation is Vipshop (China) Co., Ltd.

Journal of Management and Business Review

This work is licensed under a Creative Commons Attribution 4.0 International License. ABSTRAK Pen... more This work is licensed under a Creative Commons Attribution 4.0 International License. ABSTRAK Penelitian bertujuan mengkaji pengaruh mobile banking, internet banking dan e-wallet terhadap rasio return on asset (ROA) melalui fee-based income dari layanan digital di bank swasta yang terdaftar di BEI. Tujuan dari riset ini yaitu (1) pengaruh mobile banking, internet banking dan e-wallet terhadap fee-based income (2) Menganalisis pengaruh pengaruh mobile banking, internet banking dan e-wallet terhadap ROA (3) Merumuskan implikasi manajerial untuk meningkatkan penggunaan layanan digital service di bank swasta yang terdaftar di BEI. Data dalam penelitian ini dianalisis menggunakan Structural Equation Modeling (SEM) Pls dengan jumlah 396 data dengan teknik pengambilan sampel menggunakan purposive sampling tahun 2019-2021. Indikator-indikator yang digunakan yaitu jumlah pengguna user, jumlah transaksi dan nominal transaksi. Hasil penelitian menunjukkan bahwa e-wallet berpengaruh terhadap fee-based income dan juga berpengaruh terhadap ROA. Namun baik mobile banking dan internet banking tidak memiliki pengaruh terhadap fee-based income dan ROA. Implikasi manajerial yang dapat diberikan, yaitu mempertahankan performa layanan e-wallet, meningkatkan performa layanan mobile banking dan internet banking dengan fitur teknologi dan mempromosikan layanan kepada nasabah lama dan baru di bank swasta yang terdaftar di BEI.

Technomedia Journal

Penelitian ini memiliki tujuan untuk mengetahui perbedaan profitabilitas Bank Muamalat sebelum da... more Penelitian ini memiliki tujuan untuk mengetahui perbedaan profitabilitas Bank Muamalat sebelum dan setelah menerapkan Mobile Banking. periode observasi penelitian ini adalah tujuh tahun sebelum (2009-2015) dan setelah (2016-2022) penerapan Mobile Banking. Metode yang digunakan adalah kuantitatif untuk mengukur perbandingan rasio ROA, ROE, NOM, dan BOPO. Uji hipotesis dilakukan dengan Paired Sample T-Test dan Wilcoxon Signed Rank Test tergantung hasil dari uji normalitas data. Penelitian ini berhasil menunjukkan adanya perbedaan yang signifikan pada keseluruhan rasio, dimana terjadi penurunan pada rasio ROA, ROE, dan NOM, serta peningkatan pada rasio BOPO setelah penerapan Mobile Banking.

Proceeding EBIC, 2023

In this study, the primary purpose is to know the impact of derivatives and structure products on... more In this study, the primary purpose is to know the impact of derivatives and structure products on the risk and profitability of banking companies listed for the data period from 2017 to 2022 using logistic regression analysis techniques. The factors examined in this study are ROA (return on assets), the logarithm of the fair value of the bank's financial derivatives-structure products, the logarithm of bank product structure, the natural logarithm of the bank's total assets, non-performing loans, Loan Deposit Ratio, the debtasset ratios, and the debt-equity ratio. The impact of using derivatives and structure products in this study will be measured in 2 regression equations. The research results on the first equation, the debt ratio, loan-todeposit ratio, and derivatives-structure products, positively correlate with profitability proxied by return on assets (ROA). For total assets negatively correlated with profitability (ROA). In terms of profitability, conventional banks' use of financial derivatives-structure products positively affects profitability. For the second equation, profitability, debt to assets, loans to deposits, and derivatives-structure products are positively correlated. In contrast, debt to equity and total assets are negatively correlated with the level of risk proxied by non-performing loans. The results show that risk prevention, financial derivatives, and structure products can help hedge risks for conventional banks in Indonesia.

Jurnal Inovatif Mahasiswa Manajemen, 2023

Penelitian ini bertujuan untuk mengetahui pengaruh Price Earning Ratio (PER) dan Debt to Equity R... more Penelitian ini bertujuan untuk mengetahui pengaruh Price Earning Ratio (PER) dan Debt to Equity Ratio (DER) terhadap Price to Book Value (PBV) secara parsial dan simultan pada perusahaan sub sektor transportasi logistik dan pengantaran yang terdaftar di Bursa Efek Indonesia periode 2020-2021. Metode sampel yang digunakan adalah purposive sampling dan diperoleh 4 sampel perusahaan, sehingga total sampel yang digunakan dalam penelitian ini sebanyak 32 laporan keuangan triwulan. Data yang digunakan adalah data sekunder yang diperoleh dari www.idx.co.id. Metode yang digunakan dalam penelitian ini adalah metode regresi linear berganda. Hasil penelitian ini menunjukkan bahwa PER secara parsial berpengaruh positif dan signifikan terhadap PBV. DER secara parsial tidak berpengaruh signifikan terhadap PBV. Sementara itu hasil penelitian secara simultan menunjukan bahwa PER dan DER berpengaruh dan signifikan terhadap PBV. Prediksi kemampuan kedua variabel tersebut untuk menjelaskan variabel PBV adalah sebesar 22,5% yang diindikasikan oleh nilai R Square, dimana sisanya sebesar 77,5% dipengaruhi oleh faktor lain yang tidak dijelaskan dalam penelitian ini.

Technomedia journal, 2023

Karya ini berlisensi di bawah Creative Commons Attribution 4.0 (CC BY 4.0

jurnal pengabdian masyarakat dan penelitian terapan (jpmt), 2024

The purpose of the community service program activities held at SMK Widya Patria 2, Jakarta on Ap... more The purpose of the community service program activities held at SMK Widya Patria 2, Jakarta on April 29, 2024, aims to provide education and literacy of tax awareness from an early age, provide insight and tax literacy as a basis for follow-up for students, and provide a mindset and positive influence related to taxes slowly formed in students who will become prospective taxpayers. This activity is carried out face-to-face directly with participants, and the methods used are; Education and practical training, in the form of material presentation, and questions and answers. While the results of this activity are ensuring participants understand the material and are able to make online SPT reports.

Advances in economics, business and management research/Advances in Economics, Business and Management Research, 2024

This research aims to systematically review the literature on aerotropolis and study emerging aer... more This research aims to systematically review the literature on aerotropolis and study emerging aerotropolis research from various disciplinary perspectives. The research data collection process uses reference management software, namely Publish or Perish. This research uses data from articles published and indexed by Google Scholar, Crossref, OpenAlex, and Semantic Scholar. The keyword grouping process is assisted by VosViewer software. After carrying out the research stages, 1,143 titles were obtained with 4,617 citations and evaluated based on the selected topics; the elimination of duplicate articles from each database was carried out. Finally, 772 articles were obtained after sorting. Of the 772 publications on aerotropolis, 175 keywords were identified. Based on the publication bibliometric map, 9 clusters were formed. Cluster 1 consists of 35 concepts, cluster 2 consists of 32 concepts, cluster 3 consists of 24 concepts, cluster 4 consists of 21 concepts, cluster 5 consists of 20 concepts, cluster 6 consists of 13 concepts, cluster 7 consists of 12 concepts, cluster 8 consists of 10 concepts, and cluster 9 consists of 8 concepts. The nine clusters related to the keyword "aerotropolis" can act as exogenous or endogenous factors in explaining aerotropolis.

Jurnal Aplikasi Bisnis dan Manajemen, Jan 30, 2024

Jurnal Ilmiah M-Progress, Jan 25, 2024

DEDIKASI PKM, May 15, 2024

Jurnal M Progress, 2024

Koperasi mempunyai tujuan dasar yaitu untuk mensejahterakan anggotanya. Bentuk kesejahteraan angg... more Koperasi mempunyai tujuan dasar yaitu untuk mensejahterakan anggotanya. Bentuk kesejahteraan anggota koperasi adalah dengan pembagian keuntungan koperasi (SHU). Agar dapat memperoleh keuntungan SHU yang tinggi, maka koperasi harus dapat mengelola aset-asetnya secara baik dan benar. Kinerja keuangan koperasi dikelola dengan baik akan berdampak pada keuntungan koperasi meningkat, berdampak pula pada pembagian SHU kepada anggota. Dalam penelitian ini mempunyai tujuan mengevaluasi perkembangan dan tingkat kesehatan untuk menilai kinerja keuangan KSP CU Bina Seroja periode 2017-2021 dengan metode analisis komparatif dan trend menggunakan rasio PEARLS. Dari hasil evaluasi dari kinerja keuangan KSP CU Bina Seroja dengan metode analisis komparatif dan trend di atas, dapat dilihat bahwa ada beberapa indikator yang hasilnya kurang baik, indikator tersebut adalah Effective financial structure 1 (E1) merupakan indikator untuk melihat penyerapan pinjaman beredar berbanding aset. Kenaikan aset yang begitu pesat, tidak diimbangi dengan penyerapan pinjaman kepada anggota. Hasil E1 yang cenderung turun, berpengaruh terhadap pendapatan bunga pinjaman, pendapatan CU akan turun, sementara CU harus membayar biaya modal dan biaya operasional, yang pastinya akan berdampak kepada pembagian dividen kepada anggota.

Proceedings of the 8th Global Conference on Business, Management, and Entrepreneurship (GCBME 2023), 2023

The interbank call money market plays an essential role in the financial system, whereby financia... more The interbank call money market plays an essential role in the financial system, whereby financial institutions and banks borrow and lend funds on a short-term basis from each other. In Indonesia's interbank money market, it is necessary to dig deeper into investor profiles and their relationship to investment decisions. This research investigates whether 11 behavioural biases (Availability, Hindsight, Representativeness, Overreaction, Conservatism, Anchoring Adjustment, Confirmation Bias, Excessive optimism and overconfi-dence, Mental Accounting, Framing Effect, and Disposition Effect) and investment decisions have significant differences or not through gender and education perspectives. Thirtytwo (32) respondents were sampled online through a questionnaire from Indonesian banking companies. Data were examined and analysed by nonparametric Mann-Whitney statistical analysis technique using SPSS as the statistical tool. The data revealed significant differences between men and women with excessive bias. Also, there is a significant difference between Diploma bachelor's and master's degrees in the excessive and disposition bias. While at investment decisions, there are no significant differences through gender and education perspectives.

Jurnal Aplikasi Manajemen dan Bisnis, 2024

This study evaluates a company's resources and capabilities to determine whether they can provide... more This study evaluates a company's resources and capabilities to determine whether they can provide a sustainable competitive advantage on digital transformation. Using VRIO analysis, the study assesses the value, rarity, imitability, and organization of digital transformation in small banks. The results show that digital transformation is valuable for small banks but is familiar and relatively easy to imitate. Organizational support is critical for successful digital transformation in small banks. Small banks must leverage their strengths and adopt emerging technologies to remain competitive in the banking sector. Result of this study suggest that small banks can achieve competitive parity through a strategic focus on digital. Results on VRIO Analysis on PT. Bank XYZ that human resources, organizational structure, technology, product & services are competitively parity. However, capital resources, information systems, skills, and reputation are competitive advantages.

JURNAL ILMIAH M-PROGRESS, 2024

Tinjauan literatur sistematis ini mencoba menjawab pertanyaan tentang metode apa yang digunakan u... more Tinjauan literatur sistematis ini mencoba menjawab pertanyaan tentang metode apa yang digunakan untuk menganalisis bagaimana teknologi blockchain berperan dalam perkembangan periklanan digital. Lalu apa peran teknologi blockchain dalam perkembangan periklanan digital di industri lain. Blockchain memainkan peran besar dalam pemasaran digital, karena industri periklanan digital secara historis sangat bergantung pada pihak ketiga. Blockchain dapat menghilangkan perantara antara dua pihak, sehingga membantu merek dan pelanggan. Salah satu pendekatan studi literatur adalah Systematic Literature Review (SLR). Penelitian ini menggunakan Systematic Literature Review dengan Metode Prisma dengan bantuan UAKE, VOS viewer, dan Aplikasi Mendeley Watase. Penelitian ini dibatasi dengan hanya mencari artikel jurnal Scopus Q1, Q2, Q3, dan Q4, terbitan tahun 2018-2022. Berdasarkan (26) dua puluh enam artikel yang ditelaah, melalui proses systematic literature review, dengan rentang waktu terbitan artikel antara tahun 2018 sampai dengan 2022. Diperoleh hasil bahwa hanya sepuluh artikel yang memenuhi kriteria dan dijadikan rujukan dalam penelitian ini. Metode analisis data yang banyak digunakan ialah perancangan atau system planning (5 artikel), kemudian qualitative method (2 artikel), quantitative method (1 artikel) dan exploratory factor (1 artikel). Hasil penelitian menunjukkan bahwa teknologi blockchain berperan besar dalam perkembangan periklanan digital (digital advertising), yang banyak diterapkan di industri e-commerce, telekomunikasi, otomotif, pertanian, hiburan (film) bahkan untuk deteksi penipuan dan pencegahan kejahatan dalam periklanan online.

Proceeding of Indonesia Focus, 2021

A counterparty credit limit is a limit imposed by a financial institution to cap its maximum poss... more A counterparty credit limit is a limit imposed by a financial institution to cap its maximum possible exposure to a specified counterparty. Banks may set different counterparty credit limits depending on credit quality, potential earnings, and growth. They use this criterion to provide a maximum credit limit given to correspondent banks. The counterparty credit limit will be used in various financial instruments other than loans; this includes interbank transactions, foreign exchange transactions, trade financing, acceptances, financial futures, swaps, bonds, equities, options, extension commitments, and guarantees, and the settlement of transactions. Every Bank, regardless of size, is in business to be profitable and, consequently, must determine the acceptable risk/reward trade-off for its activities, factoring in the cost of capital. Therefore, the credit line allocation is unadvised and uncommitted to the corresponding Bank based on the correspondent bank's credit risk assessment. The purpose of this study is to examine if there are differences among Indonesian banks in measuring the probability and impact dimension of setting the counterparty limit risks. The sample in this research is taken from 59 bank officials' financial institutions in Indonesia. This study hypothesizes that there are no differences assessed between the two dimensions. To test this, the researcher collects experts' opinions using questionnaire forms. Then, the collected data were analyzed and calculated based on the Kruskal Wallis test using SPSS 23 software. The result shows that the significance (Sig) is less than 0.05; this indicates differences in measuring the probability and impact dimension of setting the counterparty credit limit risk. The risk includes not making visits to counterparties, not responding to counterparty requests for opening a relationship as a customer or correspondent bank, misjudging the counterparty's business potential, mistakes in analysing counterparty management (owner of correspondent bank (UBO), management and organizational structure, KYC/AML needs), mistakes in analysing macroeconomics and the banking industry that have an impact on counterparties (global economy, changes in monetary authority regulations or regulations, changes in government regulations), wrong in analysing counterparty business risk (portfolio composition, customer segment, correspondent bank strategy), wrong in analysing counterparty financial performance (balance sheet analysis, R/L report, financial ratio), wrong in setting counterparty rating, incorrect calculation of counterparty limits (formulation of limits and bank capital), wrong in allocating counterparty limit (transaction risk weight & business target based on projections), mistakes in analysing the projected counterparty capability for a period of more than 1 year, not monitoring counterparty limit utilization, does not monitor counterparty financial performance (review limit in 1 period only), not monitoring and paying attention to sanctions or legal cases that occur to counterparties, not limiting and monitoring all ongoing transactions using counterparty limits, does not limit the tenor/transaction period, provide a limit even though the process of determining the counterparty limit has not been completed, and not doing due diligence on a regular basis. Ideally, all banks in Indonesia ought to have the same perspective in assessing the counterparty credit limit. This study showed that Indonesian banks should be encouraged to develop an effective strategy to improve their counterparty credit risk assessment. To further improve, policymakers can generate appropriate policies to govern the Bank's behavior in mitigating risk.

Aptekmas, 2023

Accounting learning at Sumpah Pemuda Vocational School is carried out by utilizing practice quest... more Accounting learning at Sumpah Pemuda Vocational School is carried out by utilizing practice questions from UKK SMK, where the question sheets are reproduced by printing or photocopying, for this it is necessary to carry out training and introduction to the paperless concept. This activity aims to introduce the go green-go paperless concept in processing accounting transaction data so that it can present financial reports, using the Accurate Online Accounting system application and supported by a Windows application that integrates basic accounting and taxation. From the training that has been carried out, the go green-go paperless concept can be implemented well, there has been an increase of 100% of participants creating Accurate online accounts, 92% of participants have started to get to know the application, and 61% of participants have understood how the application works. The problems that arise during the activity are minor problems in the form of unstable internet, short activity implementation time, a fairly large class number of participants, and only completing 1 (one) transaction case

... sengaja (purposive), dengan pertimbangan perusahaan tersebut merupakan perusahaan yang pertam... more ... sengaja (purposive), dengan pertimbangan perusahaan tersebut merupakan perusahaan yang pertama mengolah produk mahkota dewa di Indonesia. ... Pihak yang diwawancara melalui daftar pertanyaan (kuesioner) berjumlah empat orang antara lain Divisi pemasaran yaitu ...

Jurnal Ilmiah M-Progress, Jun 1, 2021

This study aims to determine The Effect of vacination, Dow Jones Index and Exchange Rate on the j... more This study aims to determine The Effect of vacination, Dow Jones Index and Exchange Rate on the join share price index (JCI) in Indonesia Stock Exchange in quarter 1 year 2021. Samples were taken using purposive sampling technique. Numbers of sample are 43 days since the first vaccination by the goverment. The methods used for collecting data were documentation or secondary data. And for analysis technique used is multiple linear regression analysis and classic assumption test. Based on the results of the T test, it was concluded that vaccination data had a negative and significant effect on IHSG, Exchange Rate and Dow Jones Index had a positive and significant effect on IHSG. Based on the F test it was concluded that vaccination data, Exchange Rate and Dow Jones Index had a positive significant effect. Keywords: Vaksinasi Covid-19, Indeks Dow Jones, Nilai Tukar, IHSG

Previous works on key information extraction from visually rich documents (VRDs) mainly focus on ... more Previous works on key information extraction from visually rich documents (VRDs) mainly focus on labeling the text within each bounding box (i.e., semantic entity), while the relations in-between are largely unexplored. In this paper, we adapt the popular dependency parsing model, the biaffine parser, to this entity relation extraction task. Being different from the original dependency parsing model which recognizes dependency relations between words, we identify relations between groups of words with layout information instead. We have compared different representations of the semantic entity, different VRD encoders, and different relation decoders. For the model training, we explore multi-task learning to combine entity labeling and relation extraction tasks; and for the evaluation, we conduct experiments on different datasets with filtering and augmentation. The results demonstrate that our proposed model achieves 65.96% F1 score on the FUNSD dataset. As for the realworld application, our model has been applied to the in-house customs data, achieving reliable performance in the production setting. * Corresponding author. The author's contributions were carried out while at Alibaba Group. His current affiliation is Vipshop (China) Co., Ltd.

Journal of Management and Business Review

This work is licensed under a Creative Commons Attribution 4.0 International License. ABSTRAK Pen... more This work is licensed under a Creative Commons Attribution 4.0 International License. ABSTRAK Penelitian bertujuan mengkaji pengaruh mobile banking, internet banking dan e-wallet terhadap rasio return on asset (ROA) melalui fee-based income dari layanan digital di bank swasta yang terdaftar di BEI. Tujuan dari riset ini yaitu (1) pengaruh mobile banking, internet banking dan e-wallet terhadap fee-based income (2) Menganalisis pengaruh pengaruh mobile banking, internet banking dan e-wallet terhadap ROA (3) Merumuskan implikasi manajerial untuk meningkatkan penggunaan layanan digital service di bank swasta yang terdaftar di BEI. Data dalam penelitian ini dianalisis menggunakan Structural Equation Modeling (SEM) Pls dengan jumlah 396 data dengan teknik pengambilan sampel menggunakan purposive sampling tahun 2019-2021. Indikator-indikator yang digunakan yaitu jumlah pengguna user, jumlah transaksi dan nominal transaksi. Hasil penelitian menunjukkan bahwa e-wallet berpengaruh terhadap fee-based income dan juga berpengaruh terhadap ROA. Namun baik mobile banking dan internet banking tidak memiliki pengaruh terhadap fee-based income dan ROA. Implikasi manajerial yang dapat diberikan, yaitu mempertahankan performa layanan e-wallet, meningkatkan performa layanan mobile banking dan internet banking dengan fitur teknologi dan mempromosikan layanan kepada nasabah lama dan baru di bank swasta yang terdaftar di BEI.

Technomedia Journal

Penelitian ini memiliki tujuan untuk mengetahui perbedaan profitabilitas Bank Muamalat sebelum da... more Penelitian ini memiliki tujuan untuk mengetahui perbedaan profitabilitas Bank Muamalat sebelum dan setelah menerapkan Mobile Banking. periode observasi penelitian ini adalah tujuh tahun sebelum (2009-2015) dan setelah (2016-2022) penerapan Mobile Banking. Metode yang digunakan adalah kuantitatif untuk mengukur perbandingan rasio ROA, ROE, NOM, dan BOPO. Uji hipotesis dilakukan dengan Paired Sample T-Test dan Wilcoxon Signed Rank Test tergantung hasil dari uji normalitas data. Penelitian ini berhasil menunjukkan adanya perbedaan yang signifikan pada keseluruhan rasio, dimana terjadi penurunan pada rasio ROA, ROE, dan NOM, serta peningkatan pada rasio BOPO setelah penerapan Mobile Banking.

Proceeding EBIC, 2023

In this study, the primary purpose is to know the impact of derivatives and structure products on... more In this study, the primary purpose is to know the impact of derivatives and structure products on the risk and profitability of banking companies listed for the data period from 2017 to 2022 using logistic regression analysis techniques. The factors examined in this study are ROA (return on assets), the logarithm of the fair value of the bank's financial derivatives-structure products, the logarithm of bank product structure, the natural logarithm of the bank's total assets, non-performing loans, Loan Deposit Ratio, the debtasset ratios, and the debt-equity ratio. The impact of using derivatives and structure products in this study will be measured in 2 regression equations. The research results on the first equation, the debt ratio, loan-todeposit ratio, and derivatives-structure products, positively correlate with profitability proxied by return on assets (ROA). For total assets negatively correlated with profitability (ROA). In terms of profitability, conventional banks' use of financial derivatives-structure products positively affects profitability. For the second equation, profitability, debt to assets, loans to deposits, and derivatives-structure products are positively correlated. In contrast, debt to equity and total assets are negatively correlated with the level of risk proxied by non-performing loans. The results show that risk prevention, financial derivatives, and structure products can help hedge risks for conventional banks in Indonesia.

Jurnal Inovatif Mahasiswa Manajemen, 2023

Penelitian ini bertujuan untuk mengetahui pengaruh Price Earning Ratio (PER) dan Debt to Equity R... more Penelitian ini bertujuan untuk mengetahui pengaruh Price Earning Ratio (PER) dan Debt to Equity Ratio (DER) terhadap Price to Book Value (PBV) secara parsial dan simultan pada perusahaan sub sektor transportasi logistik dan pengantaran yang terdaftar di Bursa Efek Indonesia periode 2020-2021. Metode sampel yang digunakan adalah purposive sampling dan diperoleh 4 sampel perusahaan, sehingga total sampel yang digunakan dalam penelitian ini sebanyak 32 laporan keuangan triwulan. Data yang digunakan adalah data sekunder yang diperoleh dari www.idx.co.id. Metode yang digunakan dalam penelitian ini adalah metode regresi linear berganda. Hasil penelitian ini menunjukkan bahwa PER secara parsial berpengaruh positif dan signifikan terhadap PBV. DER secara parsial tidak berpengaruh signifikan terhadap PBV. Sementara itu hasil penelitian secara simultan menunjukan bahwa PER dan DER berpengaruh dan signifikan terhadap PBV. Prediksi kemampuan kedua variabel tersebut untuk menjelaskan variabel PBV adalah sebesar 22,5% yang diindikasikan oleh nilai R Square, dimana sisanya sebesar 77,5% dipengaruhi oleh faktor lain yang tidak dijelaskan dalam penelitian ini.

Technomedia journal, 2023

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This is presentation for young professional development @griyaimpian

Pengantar ekonomi mikro mempelajari tentang kegiatan suatu pasar barang, bagaimana caranya menggu... more Pengantar ekonomi mikro mempelajari tentang kegiatan suatu pasar barang, bagaimana caranya menggunakan faktor-faktor produksi yang tersedia secara efisien, agar kemakmuran rakyat dapat dimaksimumkan. Secara umum, kegiatan ekonomi dapat diartikan sebagai suatu kegiatan yang mempengaruhi tingkat produksi, harga dan hubungan perdagangan. Oleh karena itu pengantar ekonomi mikro mencakup beberapa hal, antara lain :

HANDBOOK UMKM di masa Pandemi Covid-19 UU No 28 tahun 2014 tentang Hak Cipta Fungsi dan sifat hak... more HANDBOOK UMKM di masa Pandemi Covid-19 UU No 28 tahun 2014 tentang Hak Cipta Fungsi dan sifat hak cipta Pasal 4 Hak Cipta sebagaimana dimaksud dalam Pasal 3 huruf a merupakan hak eksklusif yang terdiri atas hak moral dan hak ekonomi. Pembatasan Pelindungan Pasal 26 Ketentuan sebagaimana dimaksud dalam Pasal 23, Pasal 24, dan Pasal 25 tidak berlaku terhadap: i. Penggunaan kutipan singkat Ciptaan dan/atau produk Hak Terkait untuk pelaporan peristiwa aktual yang ditujukan hanya untuk keperluan penyediaan informasi aktual; ii. Penggandaan Ciptaan dan/atau produk Hak Terkait hanya untuk kepentingan penelitian ilmu pengetahuan; iii. Penggandaan Ciptaan dan/atau produk Hak Terkait hanya untuk keperluan pengajaran, kecuali pertunjukan dan Fonogram yang telah dilakukan Pengumuman sebagai bahan ajar; dan iv. Penggunaan untuk kepentingan pendidikan dan pengembangan ilmu pengetahuan yang memungkinkan suatu Ciptaan dan/atau produk Hak Terkait dapat digunakan tanpa izin Pelaku Pertunjukan, Produser Fonogram, atau Lembaga Penyiaran. Sanksi Pelanggaran Pasal 113 1. Setiap Orang yang dengan tanpa hak melakukan pelanggaran hak ekonomi sebagaimana dimaksud dalam Pasal 9 ayat (1) huruf i untuk Penggunaan Secara Komersial dipidana dengan pidana penjara paling lama 1 (satu) tahun dan/atau pidana denda paling banyak Rp100.000.000 (seratus juta rupiah). 2. Setiap Orang yang dengan tanpa hak dan/atau tanpa izin Pencipta atau pemegang Hak Cipta melakukan pelanggaran hak ekonomi Pencipta sebagaimana dimaksud dalam Pasal 9 ayat (1) huruf c, huruf d, huruf f, dan/atau huruf h untuk Penggunaan Secara Komersial dipidana dengan pidana penjara paling lama 3 (tiga) tahun dan/atau pidana denda paling banyak Rp500.000.000,00 (lima ratus juta rupiah).

freepik.com Hak Cipta dilindungi undang-undang. Dilarang memperbanyak atau memindahkan sebagian a... more freepik.com Hak Cipta dilindungi undang-undang. Dilarang memperbanyak atau memindahkan sebagian atau seluruh isi buku ke dalam bentuk apapun, secara elektronis maupun mekanis, termasuk fotokopi, merekam, atau dengan teknik perekaman lainnya, tanpa izin tertulis dari Penerbit. Undang-Undang Nomor 28 Tahun 2014 tentang Hak Cipta.

Dilarang mengutip atau memperbanyak sebagian atau seluruh isi buku ini tanpa seizin tertulis dari... more Dilarang mengutip atau memperbanyak sebagian atau seluruh isi buku ini tanpa seizin tertulis dari penerbit.

Proceedings of the 2nd International Conference on Aviation Industry, Education, and Regulation, 2023

This research aims to systematically review the literature on aerotropolis and study emerging aer... more This research aims to systematically review the literature on aerotropolis and study emerging aerotropolis research from various disciplinary perspectives. The research data collection process uses reference management software, namely Publish or Perish. This research uses data from articles published and indexed by Google Scholar, Crossref, OpenAlex, and Semantic Scholar. The keyword grouping process is assisted by VosViewer software. After carrying out the research stages, 1,143 titles were obtained with 4,617 citations and evaluated based on the selected topics; the elimination of duplicate articles from each database was carried out. Finally, 772 articles were obtained after sorting. Of the 772 publications on aerotropolis, 175 keywords were identified. Based on the publication bibliometric map, 9 clusters were formed. Cluster 1 consists of 35 concepts, cluster 2 consists of 32 concepts, cluster 3 consists of 24 concepts, cluster 4 consists of 21 concepts, cluster 5 consists of 20 concepts, cluster 6 consists of 13 concepts, cluster 7 consists of 12 concepts, cluster 8 consists of 10 concepts, and cluster 9 consists of 8 concepts. The nine clusters related to the keyword "aerotropolis" can act as exogenous or endogenous factors in explaining aerotropolis.