PRODIKPI

Third Party Funds (TPF) represent the primary funding source in the banking industry and play an essential role in supporting financial intermediation. The ability of banks to collect public funds is influenced by internal and external factors, including macroeconomic conditions. This study aims to analyze the influence of macroeconomic indicators, namely BI-Rate and inflation, on the movement of Third Party Funds at Bank Kalbar. This study employed a quantitative approach using the Vector Autor...

Penelitian ini dilakukan untuk menganalisis perhitungan pendapatan bunga kredit pensiun berdasarkan variasi tenor pada PT Bank Mandiri Taspen. Kredit pensiun merupakan salah satu produk pembiayaan yang memiliki pertumbuhan stabil dan memiliki kontribusi penting terhadap pendapatan bunga bank. Penelitian ini bertujuan untuk mengetahui metode perhitungan bunga kredit pensiun yang di terapkan, sistem angsuran yang digunakan, serta perbedaan pendapatan bunga yang diperoleh bank berdasarkan variasi t...

This dataset contains monthly time-series observations covering the period from January 2015 to December 2025 (N = 132), specifically constructed to examine the transmission channels of global uncertainty shocks to Indonesia's macro-financial stability and the effectiveness of central bank dual-intervention policies within a Structural Vector Autoregression (SVAR) framework. 1. Variable Specifications & Data Sources GPR (Geopolitical Risk Index): Global geopolitical uncertainty index benchma...

This research is driven by the growing focus on sustainable finance rooted in Environmental, Social, and Governance (ESG) principles within the Islamic banking sector, although its application in Indonesia is still not optimal. This study aims to examine the impact of sustainable finance on financial performance and asset quality, considering the mediating influence of risk management in Islamic commercial banks in Indonesia. The research utilizes a quantitative method with a causal framework, u...

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and mobile banking on the financial performance of banking companies listed on the Indonesia Stock Exchange (IDX) during the 2021–2024 period, with Return on Assets (ROA) as the indicator of financial performance. The sample consists of 10 banking companies selected through purposive sampling, resulting in 40 observations. The data were analyzed using multiple linear regression with SPSS. The result...

Through the introduction of Financial Decision Intelligence, the study provides an integrative theoretical perspective explaining how Artificial Intelligence transforms financial decision-making into a continuous process of strategic intelligence creation. In doing so, it offers a conceptual foundation for future empirical research and advances the understanding of how organizations can leverage AI to strengthen strategic decision capability in the digital economy. Using an Integrative Literatur...

This study designs and evaluates a web-based customer service chatbot for Islamic banking services. The chatbot integrates the Google Gemini API with a validated Frequently Asked Questions knowledge base to generate responses based on institutional service information. The system was developed using the Flask framework and evaluated through Black Box Testing, FAQ-based response evaluation, and chat log analytics. The evaluation used 310 validated FAQ records and 1,000 anonymized raw chat log rec...

The banking sector functions to mobilize and channel public funds, thereby maintaining national economic stability. In the post-COVID-19 era, the sector has faced intense competition in gathering public funds, also known as third-party funds. Despite this fierce competition, banks have actually experienced a significant increase in third-party funds, driven largely by the rapid growth of new digital banks. This surge in digital bank deposits suggests a migration of funds from conventional banks ...

Penerapan sanksi finansial berupa ta’widh (ganti rugi rill) dan ta’zir (denda sanksi) dalam industri perbankan syariah di Indonesia kerap memicu perdebatan metodologis dan yuridis. Secara faktual, Lembaga Keuangan Syariah (LKS) bertindak ganda sebagai pihak dirugikan (mazhlum) sekaligus eksekutor penilai tingkat kesalahan nasabah, sehingga rentan menimbulkan konflik kepentingan dan berpotensi mencederai asas keadilan syariah. Penelitian ini bertujuan untuk mengonseptualisasikan urgensi, tugas, d...

Published in Zenodo (CERN European Organization for Nuclear Research). Year: 2026.

One of the phenomena associated with problems in online activities is the increasing prevalence of data breaches across various online platforms. Therefore, this study aims to develop a measurement instrument for fear of identity theft in the context of online transactions. This study modified the Fear of Online Identity Theft (FOIT) scale, which consists of two dimensions: Fear of Financial Losses (FFL) and Fear of Reputational Damage (FRD). Confirmatory Factor Analysis (CFA) and reliability an...

Savings and credit cooperatives support financial inclusion, community-based economic participation, and the social economy in emerging countries, yet their protection mechanisms are often discussed through models designed for commercial banks. This article examines whether bank-based deposit insurance is institutionally suitable for Indonesian savings and credit cooperatives and how alternative protection arrangements can be designed without weakening cooperative governance. Using conceptual in...

Islamic boarding schools need accountable financial administration and broader funding access, yet many institutions still rely on fragmented manual records. This community service program aimed to improve the capacity of Al Ajwa Al Islamy Islamic Boarding School managers in digital accounting information systems, crowdfunding, and financial literacy. A participatory training and direct-assistance approach involved eight participants, comprising a management coordinator, administrative staff, fi...

Although local public finance regulation has received substantial attention within fiscal decentralization and public financial management research, comparative analyses of its institutional configuration as an integrated regulatory regime remain limited. This study aims to examine the institutional design of local public finance regulation across European countries, analyze how regulatory standards, supervisory institutions, monitoring mechanisms, and enforcement instruments interact to strengt...

Digital transformation in the financial system has changed the way individuals make economic decisions, particularly regarding consumption, savings, and investment. This study aims to synthesize and integrate the literature on digital financial literacy and behavioral finance to explain household economic behavior. It employs a Systematic Literature Review (SLR) method using the PRISMA approach. The articles analyzed were sourced from the Scopus, Web of Science, and Google Scholar databases for ...

The increasing use of digital banking applications and social media has heightened the risk of personal data misuse due to limited public awareness of digital security. This community service program aimed to improve community knowledge and practical skills in protecting personal data when using digital banking applications and social media among residents of RW 011, Petukangan Utara, South Jakarta. The program was conducted on February 13, 2026, involving 35 participants consisting of neighborh...

This study was conducted to examine the role of seaweed farming in increasing community income and to analyze its implementation based on the principles of Islamic economics in Rompo Village, Langgudu Subdistrict, Bima Regency. This study employed a qualitative approach using field research methods. Data collection was conducted through observation, in-depth interviews, and documentation. The findings reveal that seaweed farming activities in Rompo Village are carried out through a series of pro...

This study addresses the negative impacts of Indonesia’s open proportional election system, particularly its tendency to foster oligarchy, corruption, and abuse of office that result in significant losses to the state economy and public welfare. The system compels elected officials to recoup substantial campaign costs funded by oligarchs, often through corrupt practices, as evidenced by numerous convictions of regional heads and ministers. This research employs a normative juridical method with ...

This article aims to synthesize education policy and primary school governance systems in Asia and Europe from 2020 to 2025. The study employed a PRISMA 2020-based systematic literature review using articles retrieved from Scopus, ERIC, and Google Scholar. A total of 30 articles were selected through identification, screening, eligibility assessment, and final synthesis. The data were analyzed through descriptive mapping and critical narrative synthesis. The findings show that primary school gov...

This study examines whether capital structure mediates the relationship between profitability, growth opportunities, and firm value in Indonesian transportation firms. A quantitative explanatory design is employed using balanced panel data from 20 transportation companies listed on the Indonesia Stock Exchange during 2020–2024, yielding 100 firm-year observations. Panel regression and Baron and Kenny mediation analysis are applied. Profitability significantly enhances firm value; however, this e...

Penelitian ini dilatarbelakangi oleh pentingnya efisiensi dalam meningkatkan kinerja dan daya saing Bank Umum Syariah di Indonesia. Tujuan penelitian ini adalah menganalisis tingkat efisiensi Bank Umum Syariah serta menguji pengaruh Risiko Pembiayaan Bermasalah (NPF), Struktur Permodalan (CAR), Ukuran Bank (Total Aset), Pertumbuhan Ekonomi (PDB), dan Inflasi terhadap efisiensi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Two Stage Data Envelopment Analysis yang dilanjutkan de...

Purpose This study aims to investigate the impact of Sharia Supervisory Board (SSB) effectiveness on a multidimensional financial framework comprising liquidity, risk and market dynamics. Moving beyond linear relationships, the research explores how SSB functions as a dynamic capability resource (DCR) that enables Islamic banks in Gulf Cooperation Council (GCC) countries to navigate various operational regimes. Design/methodology/approach Using a quantitative approach, the study uses an extensiv...

Purpose This study examines whether and how global reporting initiative (GRI) compliance moderates the relationship between environmental, social and governance (ESG) performance and firm value in ASEAN emerging markets. Design/methodology/approach The study employs a comprehensive research design using panel data from 2,268 listed companies across five major ASEAN economies (Indonesia, Malaysia, Philippines, Singapore, and Thailand) spanning 2018–2023, yielding 13,608 firm-year observations. Mu...

This study examines the determinants of stock-price volatility among Indonesian State-Owned Enterprises (SOEs) listed on the Indonesia Stock Exchange (IDX) and tests whether Firm Size (FS) moderates these relationships. Five groups of explanatory features are integrated into a single model: macro fundamentals (MF), micro fundamentals (MiF), capital structure measured by Government Funding (GF), Stock-Market Volatility (SMV), and Market Liquidity (ML). Using a balanced panel of 24 listed SOEs ove...

The integration of sustainable finance through Green Banking principles is a regulatory obligation for Indonesian Islamic commercial banks under OJK Regulation No. 51/2017. However, sustainability reports show substantial disparities in Environmental, Social, and Governance (ESG) disclosure depth and quality, especially environmentally. This article evaluates ESG implementation effectiveness in sustainability reports of Islamic banks and examines regulatory-legal implications of inconsistencies....

The banking sector's business model has changed due to digital transformation, which has also driven the emergence of digital banks as a more adaptive option for financial services. However, there are still differences of opinion regarding the success of digital banks' business models compared to large-scale traditional banks, especially in terms of profitability and operational efficiency. The purpose of this study is to compare the operational cost efficiency and profitability of digital banks...

Di tengah pertumbuhan ekonomi syariah yang kian pesat, muncul pertanyaan mendasar: sejauh mana nilai-nilai ilahiah benar-benar terinternalisasi dalam praktik ekonomi modern? Buku Ekonomi Syariah Kontemporer: Integrasi Nilai, Kebijakan, dan Keberlanjutan hadir sebagai refleksi kritis sekaligus tawaran pemikiran atas dinamika tersebut. Tidak sekadar membahas konsep, buku ini mengajak pembaca memahami ekonomi syariah sebagai sebuah sistem nilai yang menyeluruh, meliputi produksi, distribusi, hingga...