PRODIKPI

The implementation of Indonesia's Electricity Supply Business Plan (RUPTL) 2025–2034 demands substantial investment to expand infrastructure and accelerate the national energy transition, while PT PLN (Persero) must simultaneously maintain affordable tariffs, financial covenant compliance, and long-term financing capacity under a cost-plus revenue model with an existing Public Service Obligation (PSO) margin of approximately 7%. This creates a strategic financing challenge, as the current margin...

The rapid development of information technology has provided convenience in various activities, including personal financial management through Android-based devices. However, some students are still not accustomed to recording their income and expenses regularly, making it difficult for them to monitor their financial condition. This study aims to develop an Android-based personal finance recording application that can assist users in managing initial balances, recording income and expense tran...

Purpose This study aims to examine the business model, legal and regulation, risk management and supervision for Islamic banks to act as nazhir within the contemporary Islamic social finance ecosystem to come up with a proposal for a bank-based waqf business model. The business model proposal is supported by appropriate regulatory, governance and operational frameworks that can be applied at the international level. Design/methodology/approach This study adopts a qualitative research design base...

Background: The growing prominence of branchless digital banking in Indonesia has intensified competition to retain users, making the drivers of e-customer loyalty a strategic concern for providers such as blu by BCA Digital. Objective: This study examines how e-service quality, e-trust, and e-customer relationship management (e-CRM) influence e-customer loyalty, and tests whether e-customer satisfaction mediates these relationships among Generation Z users of blu by BCA Digital. Methods: A quan...

Informal patron-client arrangements in capture fisheries can combine vessel finance, employment, social assistance, and market control, creating both protection and dependency. This study examined how boat owner-crew labor relations are reproduced and how a feasible transformation could be designed at Tenau Coastal Fishing Port and Oeba Fish Landing Base, Kupang City, Indonesia. A qualitative case study with descriptive economic support used observations, in-depth interviews, structured question...

Abstract The high proportion of cesarean sections in Bali, particularly in private hospitals, needs to be understood through the interplay of obstetric conditions, maternal characteristics, and healthcare delivery processes. This study analyzed the relationship between medical, non-medical, and healthcare service factors and the occurrence of cesarean section, while also mapping delivery patterns based on the Robson classification at Private Hospital X Bali. A quantitative study with a cross-sec...

Financial inclusion is an important component of broad-based financial participation, yet access remains uneven across socioeconomic and demographic groups in Indonesia. This study examines the factors associated with financial inclusion and its barriers using the 2021 Global Findex dataset covering 1,062 respondents across socio-economic and demographic groups. Binary logistic regression is employed to estimate the probability of account ownership, saving, and borrowing in formal and informal i...

Background Assigned toll-road projects in Indonesia face persistent financial sustainability challenges due to declining fiscal capacity, dependence on government support, limited monetization of land-value uplift, and fragmented corridor governance. Existing toll-road business models remain highly dependent on tariff revenue and insufficiently integrate corridor-based value creation mechanisms. Methods This study developed the Toll Master Developer (TMD) concept using a sequential mixed-method ...

Indonesia faces significant challenges in providing sustainable and inclusive social protection instruments. According to Statistics Indonesia, 9.03% of the population remains below the poverty line, while economic inequality is reflected in a Gini ratio of 0.379. At the same time, the potential of Islamic philanthropy has not been optimally utilized due to institutional and structural limitations. Indonesia’s zakat potential is estimated at IDR 327 trillion annually, yet only around IDR 31.7 tr...

This study systematically reviews the literature on zakat in Europe to examine the development, practices, regulatory frameworks, institutional arrangements, and socioeconomic contributions of zakat across European contexts. Using a systematic literature review (SLR) approach guided by the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) framework, the study identified, screened, and analyzed relevant publications indexed in the Scopus database. The review initially re...

Banking services in the form of mobile banking feature various transaction options that are increasingly utilized by the public to support the flexibility of financial activities without location and time constraints. This study aimed to analyze the partial and simultaneous effects of quality of service, trust, and perceived ease of use on user satisfaction of mobile banking in state-owned banks (BRI, Bank Mandiri, and BNI) in Bekasi. Primary data collection was conducted by distributing questio...

This study aims to describe and analyze the roles of budgeting quality and the competence of financial personnel in supporting school financial performance. In practice, financial management in educational institutions frequently faces issues regarding budget efficiency and the limited capabilities of financial staff, most of whom lack an educational background in accounting or finance. This research employs a qualitative approach using a case study or phenomenological design across schools of v...

This study examines the effects of gender diversity and audit committees on financial performance, with capital structure as a moderating variable, in Islamic banking in Southeast Asia for the period 2020–2024. The study uses panel data and Moderated Regression Analysis (MRA), with 155 firm-year observations. The results show that gender diversity has no effect on financial performance. The audit committee has a significant positive effect on financial performance. Capital structure does not mod...

In the Indonesian capital market, banking sector stocks remain the most attractive instruments for investors, despite the 2022–2024 period showing a negative trend in market capitalization and declining fluctuations in firm value. This study aims to analyze the effects of intellectual capital and growth opportunity on the firm value of banking companies listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period, with profitability as a moderating variable. Using a purposive samplin...

Transformasi layanan perbankan digital mendorong bank syariah untuk mengembangkan platform digital yang terintegrasi, efisien, aman, dan memberikan kemudahan bagi nasabah. Bank Syariah Indonesia (BSI) menghadirkan Super App BYOND sebagai platform perbankan digital yang mengintegrasikan layanan keuangan, sosial, dan spiritual. Penelitian ini bertujuan untuk menganalisis determinan kualitas layanan Super App BYOND serta pengaruhnya terhadap kepuasan nasabah pada BSI KCP Kuala Tungkal. Penelitian i...

Fiscal decentralization through the General Allocation Fund (DAU) is an important instrument for reducing the fiscal capacity gap between regions and supporting the provision of public services. However, administrative compliance in managing fiscal transfers does not necessarily result in adequate financing and equitable distribution of benefits, particularly in remote areas with high service costs. This study aims to evaluate the management of the DAU in Boven Digoel Regency and explain the fac...

This study examines the effects of gender diversity and audit committees on financial performance, with capital structure as a moderating variable, in Islamic banking in Southeast Asia for the period 2020–2024. The study uses panel data and Moderated Regression Analysis (MRA), with 155 firm-year observations. The results show that gender diversity has no effect on financial performance. The audit committee has a significant positive effect on financial performance. Capital structure does not mod...

Infrastructure development through Public–Private Partnerships (PPP) has become a key strategy for addressing infrastructure financing constraints. Successful PPP implementation depends not only on selecting an appropriate partnership scheme but also on designing an optimal capital structure that ensures financial feasibility and resilience. This study develops a Decision Support Model (DSM) that integrates PPP scheme evaluation, capital structure formulation, financial performance assessment, a...

Fragmented applications, point-to-point integration, and isolated customer data restrict cross-selling among dealer, financing, and insurance entities in an automotive group. This study designs and evaluates a collaborative digital platform through one integrated enterprise architecture cycle comprising Business, Data, Application, and Infrastructure Architecture using design science, TOGAF, DAMA-DMBOK, and digital-platform ecosystem concepts. Evidence was obtained from focus group discussions w...

This is PLS SEM Dataset and Output for Article with title Beyond Generational Segmentation: Uncovering Latent Loyalty Regimes in Digital Banking...

This study examines the effects of gender diversity and audit committees on financial performance, with capital structure as a moderating variable, in Islamic banking in Southeast Asia for the period 2020–2024. The study uses panel data and Moderated Regression Analysis (MRA), with 155 firm-year observations. The results show that gender diversity has no effect on financial performance. The audit committee has a significant positive effect on financial performance. Capital structure does not mod...

Micro, Small, and Medium Enterprises (MSMEs) play an important role in economic growth and employment generation; however, limited access to finance and market competitiveness remain major challenges affecting business performance. This study analyzes the effects of entrepreneurial orientation and market orientation on MSMEs’ financial and non-financial performance, as well as the moderating role of access to finance. This research employed a quantitative approach using survey data collected fro...

QRIS Continuance Intention among MSME Customers in Malang What this deposit contains Respondent-level survey data from 104 customers who pay with the Quick Response Code Indonesian Standard (QRIS) at micro, small and medium enterprises (MSMEs) in Malang, East Java, Indonesia, together with the full set of estimation results reported in the paper. The deposit is designed so that every numerical claim in the paper can be located in a machine-readable file, and so that the raw responses can be re-a...

Fiscal decentralization through the General Allocation Fund (DAU) is an important instrument for reducing the fiscal capacity gap between regions and supporting the provision of public services. However, administrative compliance in managing fiscal transfers does not necessarily result in adequate financing and equitable distribution of benefits, particularly in remote areas with high service costs. This study aims to evaluate the management of the DAU in Boven Digoel Regency and explain the fac...

The digital banking era has introduced risks and opportunities that significantly affect bank profitability. This study examines 28 banks listed on the Indonesia Stock Exchange (IDX) between 2020 and 2022, focusing on the influence of credit risk, digital banking, and fintech on profitability, measured in this study by Return on Assets (ROA). Employing panel data analysis through EViews 12, two regression models were tested, one excluding and one including GDP as a control variable. Comparative ...

Purpose This study aims to investigate the effect of high-performance work systems (HPWS) on organizational performance (OP) through organizational culture (OC) and workforce agility (WA) as mediating factors. Design/methodology/approach Data were collected from 170 Indonesian state-owned bank branch offices. The model test analysis was carried out with partial least squares (PLS) through a two-stage disjoint approach using SmartPLS 4. Findings Results indicated that OC and WA play a fully media...

The formalization of Islamic finance in Aceh under Qanun No. 11 of 2018 transformed the province’s formal financial system and strengthened the institutionalization of Sharia-compliant financial practices. Yet the extent to which this formalization provides practical financial inclusion for vulnerable groups remains insufficiently understood. This study examines how grassroots communities and micro-enterprises experience access to formal Islamic financing and how these experiences relate to ille...