The purpose of this research is to test and analyze the influence of human resource competency on the effectiveness of fixed asset management, test and analyze the influence of internal control of fixed assets on the effectiveness of fixed asset management, test and analyze the influence of human resource competency on the quality of fixed asset reports, test and analyzing the influence of internal control of fixed assets on the quality of fixed asset reports, testing and analyzing the influence of the effectiveness of fixed asset management on the quality of fixed asset reports. This research was conducted at the Regional Asset Financial Management Agency in Jember Regency, starting from October 2023 to November 2023.The population in this study were 65 Jember Regency Government BPKAD employees. The primary data source in this research was obtained directly from respondents. The analytical method used in this research is Smart PLS software. The test results on the human resource competency variable on the quality of financial reports obtained a t-statistic value of 1.151 and a p-value of 0.250. The test results on the human resource competency variable on the quality of financial reports obtained a t-statistic value of 2.519 and a p-value of 0.012. The test results on internal control variables on the quality of financial reports obtained a t-statistic value of 3.393 and a p-value of 0.000. The test results on internal control variables on the quality of financial reports obtained a t-statistic value of 1.972 and a p-value of 0.016. The test results on internal control variables on the quality of financial reports obtained a t-statistic value of 2.221 and a p-value of 0.026. The research results show that human resource competency has no effect on the quality of financial reports. The second hypothesis states that internal control influences the effectiveness of fixed asset management. The research results show that human resource competency has a significant effect on the quality of financial reports. The research results show that the internal control system has a significant effect on the quality of financial reports. The research results show that management effectiveness has a significant effect on the quality of financial reports.

This research aimed at testing and analyzing the value relevance of Corporate Social Responsibility (CSR) disclosure in ethical perspective with agroindustrial companies in Indonesia. The research samples, collected using purposive sampling method, consisted of 48 observations on the agroindustrial companies in the period of 2017-2019 listed at BEI. The research employed a multiple regression analysis method. SCSR was measured using the Islamic Social Reporting (ISR) developed by Othman et al. [1], composed of 6 themes and the relevance was measured with corporate value measured using Tobin’s Q. The hypothesis test results showed that SCSR did not significantly affect value relevance. Investors lacked concern about the company’s social responsibility activities in their investment decision. The extent of SCSR disclosure was evidently not used by investors to consider their investment decision. The research results showed that CSR disclosure in annual reports could not be taken as a signal by the companies to attract investors to invest their fund in the company’s stock since it was deemed not to give certainty of future profit prospects. Investors were worried that many SCSR activities would increase the costs and reduce the return they would gain.

Purpose – The growing digital transformation of the financial services sector has made the differentiation between Fintech and traditional Bank more important. Fintech businesses, renowned for their creative application of technology, work in a digitally first environment, shunning paper records in favor of sophisticated digital workflows. This creates a contradiction in document management procedures since conventional banks have traditionally relied on physical documents for their financing operations. The purpose of this study is to investigate the benefits and drawbacks of switching from physical to digital document management in traditional banks. Design/methodology/approach – The study aims to comprehend the rationale behind the integration of digital technologies for document management in conventional banks (ultra-micro financing banks), while also scrutinizing the advantages and obstacles that arise from this practice. Using a qualitative research methodology, the study will analyze data using the SWOT analysis and TOWS Matrix method and rely on interviews with heads, leads, and senior experts. Findings – By assisting traditional banks in navigating the obstacles of digital transformation and maintaining their competitiveness in the quickly changing financial services sector, the study's conclusions will help shape recommendations and best practices for effective document management. Banks can optimize their document management practices and enhance their overall operational efficiency by informed decision-making based on their understanding of the benefits and drawbacks of using physical documents versus digital document management. The study's findings indicate that PT Bank Arisan Sharia's document management system still requires enhancement. This associated bank will work on projects including digitizing paper documents into digital ones, lowering the amount of physical documents, and implementing biometrics. Practical implications – Financial institutions that operate in micro-enterprise financing with a similar target segment can easily use this analysis to determine a more appropriate strategy regarding document management. Originality/value – With the results of an analysis of the use of document management systems in traditional banks, like Bank Arisan Sharia, which serves underprivileged customers, this paper makes a unique contribution to the field. This type of customer has its own uniqueness, is may not be technologically literate, and still prefers physical paper records because they provide concrete evidence of their transactions. Therefore, this paper will provide a different view of the financial business that exists today, especially fintech with its technological advances.

Cloud computing is the process of maintaining, storing, managing, processing, analyzing, and protecting data using a network of internet-based servers. Data is stored in the cloud instead of on physical devices. This enables organizations to better manage administration, streamline processes, improve productivity, optimize costs, and improve the digital customer experience. As a country that is experiencing exponential growth in data volume, Indonesia and its banking system have yet to fully implement cloud computing technologies due to regulation barriers and a lack of decent infrastructure. Major banks in Indonesia, have 10 to 40 million customers with hundreds of millions of transactions every day. Banking services are among the data giants that generate terabytes of data every day and have yet to move to cloud computing technology.The main reason that banks are not using innovative technologies is the hurdle of cost for developing customized banking solutions, investment of time, and high-quality resources. Cloud computing, as the latest technology that banks are adopting, comes with its own advantages and challenges. Therefore, to avoid the confusion and fear of decision-makers to adopt this technology, a study of the factors that influence the adoption of cloud computing must be undertaken before implementing it. This study focuses on exploring factors (technological, organizational, environmental) that affect the decision to adopt cloud computing in Bank Tepat Syariah to improve the understanding of decision-makers on these solutions so that their decision can be an informed one. Furthermore, this study aims to contribute to scientific knowledge since empirical research on the adoption of cloud computing is limited.

The study of halal or haram economic activity, such as cryptocurrency trading, is based on Islamic or sharia economic theory. Gharar and riba became important factors in determining its legal status. In this research, I used a literature study approach to gather information from relevant literature. This approach allows for a deep understanding of the use of cryptocurrencies in the context of Islamic law. Cryptocurrencies are recognized as forms of payment that meet certain requirements and transactions involving cryptocurrencies tend to be subject to strict regulations and free from usury. However, speculation and price volatility in cryptocurrencies raise concerns regarding speculation and uncertainty. The use of cryptocurrencies in investing also involves elements of luck and guesswork. The unclear attitude of the government toward the legality of cryptocurrencies can have negative impacts such as money laundering. It is important to prioritize harm prevention and improving well-being before considering the benefits. The research provides a solid foundation for the development of economic policies and practices consistent with Islamic economic principles as well as provides insight into the controversies surrounding cryptocurrencies in that conte

Background: The Unified Payments Interface (UPI) has changed the way of transactions among the people in India under the mission digital India. In the year 2016, UPI was launched by the National Payments Corporation of India (NPCI), which makes popularize cashless transactions. This study shaded the light on the rural area, usage habits, challenges, and satisfaction levels of UPI users in the rural area of Mandi district of Himachal Pradesh. Materials and Methods: For collecting data, we selected a time series(cross-section) from January to December2023, randomly selected 400 respondents, aged 18 onwards.  A specific questionnaire was set up related to UPI usage, challenges to be faced, Satisfaction level and perceptions. Descriptive statistics methods are used. Chi square test is used to analyze the data as quantitatively and thematic analysis as qualitative. Results: Results found that age group of 18 to 24 use 56%, that is highest percentage of usage among studied people. As we distribute male and female, they were 51.5% and 48.5% respectively and large group of users were students (64.5%). Google pay became the most popular app with 92.5% for transactions, 33.5%transaction failures and 27% delayed are the main problems faced by users. Apart from these problems satisfaction label was high with 70.5%. Detention of fraud and privacy protections were suggestions from the respondents. Conclusion: Different age, occupation and gender groups in rural area especially among younger people, UPI is used very frequently for transactions. No doubt, issues like transaction failures and the need for security measures people uses UPI also one of their favorite interfaces. By making it user friendly India can move closer to a digitally empowered economy.

This study aims to analyze the effect of Debt to  Equity ratio (DER), Return on Equity (ROE), and Good Corporate Governance (GCG) on the stock prices of companies listed on the Jakarta Islamic Index (JII). This study uses secondary data from the financial statements of companies listed on the JII during the 2019-2023 period. The research sample consisted of 26 companies that met the sample selection criteria. Panel data regression analysis was used to test the research hypothesis. The results showed that ROE has a significant positive effect on stock prices, while DER has no significant effect. This shows that investors in the Islamic capital market are more concerned with the company's profitability than its debt level in assessing the stock price. Meanwhile, the effect of GCG on stock price is not proven significant in this study. Still, it needs further study by considering the various dimensions of GCG and other factors that may be influential. Simultaneously Debt Equity Ratio (DER), Return on Equity (ROE), and Good Corporate Governance (GCG) affect stock prices with an influence contribution of 16.9% and the remaining 83.1% is influenced by other variables outside this study. This study provides implications for investors to consider ROE as one of the important factors in making investment decisions in the Islamic capital market. For companies, it is important to increase profitability and efficiency of capital utilization and implement good GCG principles to increase investor confidence.
 

Technological advancements in Indonesia's financial sector have reshaped business transactions and consumer behaviour, notably through the adoption of e-money and initiatives like the National Movement of Non-Cash. Established in 1958, Ben Bank adapted to these changes with Jen Bank, its digital division launched in 2016, catering to urban millennials with innovative solutions, including the Pay Later system. Despite its potential, Pay Later initial uptake has been low. This research aims to assess Jen Bank Pay Later current awareness, explore improvement strategies, and develop a competitive marketing plan. Employing mixed methods, it investigates factors influencing brand awareness through external and internal analyses. External analysis involves Porter's 5 Forces, competitor analysis, and the Technology Acceptance Model, while internal analysis uses the VRIO framework, value chain analysis, and marketing mix. Data collection includes observation, in-depth interviews, and questionnaires. Qualitative data are analysed for external and internal conditions, while quantitative data undergo SPSS processing for validity, reliability, and linear regression. Partial Least Squares Structural Equation Modelling (PLS-SEM) tests the measurement model for validity, reliability, and relationship evaluation. The study reveals limited Pay Later awareness and usage among selected customers due to insufficient marketing efforts and a narrow payment range. Indonesia's expanding Pay Later market, driven by digital payment adoption, presents opportunities and threats. Jen Bank faces stiff competition from ecosystem players and fintech services. Strengths include technological advancement and regulatory backing, while weaknesses include low awareness. Enhancing brand awareness and adopting effective marketing strategies are recommended to bolster Jen Bank Pay Later market position and adoption rates.

This article's objective is to determine the factors that influence the quality of village financial reports in Situbondo Regency. This research used primary data in the form of questionnaires collected from villages in Situbondo Regency. The population in this study were all villages in Situbondo Regency, totaling 132 villages in Situbondo Regency. Researchers used a purposive sampling method. Determining respondents with a total of 264 respondents with 2 respondents in each village in Situbondo Regency, namely the village head and financial report preparation staff in each village in Situbondo Regency. The data analysis method used is Partial Least Square. The research results showed that the role of the inspectorate, professionalism, and use of information technology influence the quality of financial reports. Meanwhile, organizational commitment does not moderate the influence of the role of the inspectorate, professionalism, and use of information technology on the quality of financial reports.

PT PLN Enjiniring is a Subsidiary Company of PT PLN (Persero) in Engineering Consulting Business. Formed in 2003 and working with PT PLN (Persero) as main partner for Electricity Infrastructure Development providing ranges of products and services throughout all cycles of the engineering process. PLN Enjiniring’s Consulting Business mostly relied on the strength of its Captive Market provided by PT PLN (Persero) and seeking to expand its market capitalization towards the Energy Industry. This study aims to find solutions to the problems faced by companies with the help of several analyses. The analysis aims to make it easier for the author to find the problem’s root. The author uses external analysis of General Environment Analysis, Porter’s Five Forces, Competitor Analysis and Internal Analysis such as Resource Based View, Value Chain Analysis, as well as VRIO Analysis. To complete the study, STP Analysis, Marketing Mix, SWOT & TOWS Analysis is also being used with the aim to find the company’s solution to market its values in digital platforms. Marketing and Business Strategy that has been proposed by the author can be a tool for the company to implement in order to enrich its own marketing activities and fits in with the behavior of its customers towards digital platforms, and expected to increase sales to PT PLN Enjiniring.

This research aims to explore the evolution from e-commerce livestreaming to customer loyalty by studying how these factors are perceived and understood by decision-makers in e-commerce companies. Data were collected from an online questionnaire through a survey involving 1282 respondents and 11 participants for qualitative supporting data. The study used Lisrel Structural Equation Modeling (SEM) for empirical analysis and IBM SPSS Statistic 8.8 for data analysis. Findings show that aesthetic appeal, functional layout, financial security, and verbal communication directly affect customer engagement, while nonverbal communication and service skills have no significant impact. In terms of value creation, customer engagement directly affects functional, hedonic and social value, all of which directly affect customer loyalty. Customer engagement and value creation serve as mediating factors between livestreaming e-commerce and customer loyalty. The results highlight the effects of livestreaming e-commerce, provide a new perspective in applying SOR theory to e-commerce, and illustrate how livestreaming enhances the visual appeal and personalization experience for customers while improving the communication skills of operational and service staff. By discussing the importance of the SOR framework in strategic decision-making, this research forms a theoretical basis for practitioners and policymakers interested in promoting sustainability within the e-commerce sector that facilitates the creation of more informed, customizable, and sustainable strategies according to the changing dynamics within the e-commerce industry.

PT Bank Sunray is a private bank that has implemented a remote working policy for several of its employees even though the COVID-19 pandemic in Indonesia is considered to be over with the aim that its employees can balance their work and personal life better and that the level of employee engagement will increase. It is known that in 2023, the employee engagement score in the Branch Banking Support department was the lowest compared to other departments, while this Branch Banking Support department is the only department that implements remote working in the Branch Banking division. This research using both quantitative and qualitative methods. The primary data were collected by using questionnaire to the Branch Banking Support employee and also from Forum Group Discussion result, analysis using descriptive and also SEM-PLS method. The secondary data used was coming from internal data of Bank Sunray. The results showed that Structural Factors such as Clarity of Job Criteria and Work Independence and Relational Factors such as Interpersonal Trust and Social Isolation had a statistically significant relationship to employee engagement, while Contextual Factors such as Change in Work Location and Perceived Disruption, had no statistical influence on employee engagement. The authors recommend that the current remote working policy needs to be evaluated by adding improvements in terms of communication between employees, relationships between employees and clarity of job criteria so that employee engagement in Branch Banking Support can be improved.

This study explores Indonesia's energy sector, with a focus on PT PLN (Persero), and its transition from coal-dependent power generation to a more sustainable and diversified energy mix. Indonesia heavily relies on coal for electricity production, accounting for 70% of its electricity as of 2021. This reliance poses significant environmental and health risks, necessitating a shift towards renewable energy sources like solar, wind, and hydroelectric power. The transition is essential in the face of global demands for sustainable energy solutions and the goal of achieving net-zero emissions by 2060. PT PLN, Indonesia's state-owned electricity company, is pivotal in this transition. The company's strategic goals align with national and global efforts to mitigate climate change, focusing on sustainability, innovation, customer focus, and efficiency. PT PLN's initiatives include expanding renewable energy capacity, adopting co-firing biomass technology, and exploring carbon capture and storage (CCS). Despite challenges such as dependence on coal and the need for new technological expertise, PT PLN has the opportunity to leverage technological advancements, government support, and public environmental awareness. Financially, the study reveals that the retirement of coal power plants is viable, as indicated by Net Present Value (NPV) and Internal Rate of Return (IRR) figures. However, a broader evaluation considering environmental impacts and future costs associated with climate change mitigation suggests the need for a comprehensive financial and environmental assessment. This assessment underscores the importance of integrating environmental considerations into financial decision-making. The research employs methodologies like SWOT and VRIO analysis, along with financial projections, to understand PT PLN's internal capabilities and external market dynamics. The findings highlight the significance of a holistic approach in addressing the challenges of energy transition in Indonesia. The study concludes that while transitioning to a sustainable energy mix is challenging, it is vital for environmental preservation and aligns with global climate change efforts, emphasizing the need for Indonesia's energy sector to balance financial viability with long-term ecological and social responsibility.

The Banking sector is susceptible to operational risk due to its complexity, its dependence on technology, and the variety of activities it undertakes. As part of Indonesian bank, Bank ABC already has the risk management governance and is actively supervised by board of commissioners and board of directors. Nevertheless, a significant amount of operational loss is still recorded every year. It was found that the main contributor was the case of excess payments of pension benefits to the heirs of customers who had passed away. This research combines both qualitative and quantitative methods. The primary data were collected from in depth interviews with subject matter experts (SME), analysis using Business Process Modeling Notation, Business Blueprint, and identifying the critical root cause using Theory of Constraint. While the secondary data from internal system Bank ABC. The undesirable effects will be addressed using the selected solution from Analytical Hierarchy Process method. The root cause is the complicated and manual process. Therefore, the chosen solution, with 67.2% result, is to build a systemized tool called The Integrated Assistance Tools. The implementation solution is predicted to decrease by 82.86% of overpayment retirement benefit after a customer passed away during the closing account process or about 3.79% of the total realized operational loss in Bank ABC per year. The implementation of this proposed process is targeted to be ready for use in the third week of May 2024.

This research aims to optimize digital customer service to enhance customer satisfaction at PT. Bank Jaya Bersama. In the context of ongoing digitalization, banks must align their services with customer expectations. The methods used include in-depth case studies with data collection through customer surveys based on Service Quality (SERVQUAL) theory and analysis of internal documents, especially in the Contact Center division. Data analysis uses the Importance Performance Analysis (IPA) method and the examination of ticket data and post-contact surveys to explore customer perceptions and experiences. The research results indicate that quick response, quality communication and accurate information are key factors in improving customer satisfaction with digital services. Challenges in integrating these factors into the bank's service model and strategies to overcome these challenges are also examined. The conclusion of this research affirms that integrating quick response, quality communication and accurate information provision into digital services is essential for enhancing customer satisfaction. The implication is that banks must prioritize adjusting their digital service strategies to the evolving needs and expectations of customers. This will form the basis for an effective future digital customer engagement strategy and strengthen the bank's competitive position in the digital era.

This study outlines a step-by-step plan for Bank BTPN to strategically navigate the growing field of ESG (Environmental, Social, and Governance) business. The main goal is to make the bank a recognized leader in sustainability. The key to success in making money from ESG initiatives is building trust and loyalty with customers. The bank also aims to become the preferred choice for a wider range of stakeholders, including government bodies and regulators. This broad vision is essential for the overall success of the bank. Our research emphasizes the need for significant changes within the bank, covering areas like business practices, financial management, employee engagement, organizational structure, and operational oversight. These changes are not just ideas; they are necessary to strengthen the bank's foundation and prepare it for future operations, marketing, and branding strategies. The success of these changes relies on the committed support of shareholders and leaders. Their commitment goes beyond agreeing with the plan; it requires active guidance and establishing clear success metrics. This commitment is crucial for the effectiveness and success of the proposed ESG strategies. The paper serves as a detailed plan for Bank BTPN's entry into the ESG business. It aims to guide both current and future leaders of the bank. The ideas and recommendations in the paper present a strategic plan for smoothly integrating ESG principles. This goes beyond practical changes in operations and finances; it also involves intangible but important aspects like leadership commitment and a shared vision. As the bank transforms, the master plan aims to lead Bank BTPN not just to compliance but to a leadership position in sustainable banking practices.

Financial inclusion, a crucial component of the sustainable development goals, aims to deliver cost-effective and easily accessible financial services to marginalized populations. In Southeast Asia, where a considerable portion of the population lacks access to banking services, Bank Selaras Syariah has played a significant role by catering to these communities for more than ten years through community-based loans known as Pembiayaan Masa Depan (PMD) group financing. Recognizing the potential of providing their customers with the Individual Financing (IF) product for its efficiency and flexibility, the bank has faced challenges with consistently low repayment rates associated with this offering. To address this issue, the bank intends to conduct qualitative research methods, gathering insights from both current users of the IF product and potential customers. The analysis of customer feedback and experiences aims to shed light on the alignment (or misalignment) between the IF product features and customer needs. The study's findings will play a crucial role in formulating proactive strategies to improve the persistently low repayment rates associated with the IF product. This research underscores the importance of comprehending customer needs as an essential initial step in designing financial products for the underbanked segment.

This study analyzes the financial viability of establishing a domestic steel panel raised floor production facility in Indonesia. With booming commercial real estate development and data center investments, raised flooring demand is surging at over 12,25 % annually that will reach $36 million by 2026. Moreover, the government prioritizes domestic manufacturing by restricting steel import quotas and mandating sourced components for public projects. Despite these tailwinds, existing reliance on Chinese imports leads to over 3-month long lead times, lack of quality control and 90 days inventory holding for local players. Unlike prevalent dependence on secondary economic data, this study collects fine-grained qualitative insights directly through raw material supplier and equipment vendor interviews. The primary assumptions enhance credibility of financial projections instead of theoretical forecast trends.  The study adopts a mixed method approach by integrating both primary and secondary data sources financial statement projections and synthesizing the qualitative and quantitative inputs through discounted cash flow modeling.  The financial analysis projects robust returns for the raised floor factory investment, with positive NPV of Rp 41.45 billion and high IRR of 30,81%, confirming adequate profitability and feasibility. Establishing domestic raised floor manufacturing is financially attractive for construction sector investors given favorable demand drivers, however optimal sequencing surrounding technical competencies, policy response plans and pricing models remains important.

MSMEs in Indonesia have a strategic role in economic growth and employment. However, during the pandemic, the condition of MSMEs has decreased. One of the affected MSMEs is weaving and plaiting artisans in Sambas Regency, West Kalimantan. This study aims to discuss the problems of weaving and wicker MSMEs in Sambas Regency as well as their development strategies in order to have sustainable competitiveness. The research method used was a literature study. The results showed that weaving and woven MSMEs in Sambas face challenges in the aspects of production, raw materials, product prices and others. However, development opportunities are also wide open related to product variations, branding, packaging, utilization of digital marketing, access to funding, product exhibitions, fostering youth entrepreneurship and stakeholder synergy. For this reason, it is recommended that various development strategies such as product innovation, optimization of digital promotion and distribution, expansion of access to financing, youth entrepreneurship training and multidimensional synergy to improve the competitiveness of Sambas weaving and woven products in order to grow in quality and sustainability.

This study delves into PT Takenaka Indonesia's approach to Knowledge Management (KM) amid the rapid digitalization landscape, aiming to bolster organizational performance. Recognizing KM's pivotal role in gaining competitive edges, the organization grapples with challenges in kickstarting KM practices and selecting appropriate tools. Their response involves merging KM and Organizational Learning across vital departments like construction, design and MandE to adapt to evolving information dynamics. Initial surveys and interviews uncover performance gaps, leading to a comprehensive analysis that integrates survey data and diagrams. PT Takenaka Indonesia's KM readiness evaluation reveals strengths in 'Technology' but underscores the necessity for enhancing 'People' aspects, positioning their readiness at 160.61, indicating a 'Refinement' stage in KM implementation. This emphasizes the need for bolstering employee development to uplift KM execution and company performance. Recommendations encompass leveraging the Kaizen methodology for incremental changes and adopting a five-step KM framework for innovation. The proposal to establish Communities of Practice (COP) stands out as vital for continuous employee learning in an era dominated by digital advancements. Ultimately, this study underscores KM's pivotal role amid digitalization, advocating strategic adaptations within PT Takenaka Indonesia to fortify KM practices and overall organizational performance.

Sustainable banking is growing in popularity, as sustainable finance practices have gained traction in the global banking sector. To ensure the long-term stability and resilience of the financial sector, banks promote sustainable practices, facilitate the transition to a low-carbon economy, and manage environmental risk. Consumer awareness of social and environmental issues is increasing. This study develops and evaluates a conceptual framework to identify the variables that influence Indonesian customers’ adoption of sustainable banking services. The study gathered data from a cross-sectional sample of 180 respondents through a survey, in accordance with the theory of planned behaviour (TPB). The study model was tested using a structural equation model method based on Partial Least Squares. The results indicate that purchase intention is positively and significantly influenced by attitude and perceived behavioural control. Subjective norms have a positive but insignificant influence, whereas attitude significantly mediates the relationship between purchase intention and subjective norms. This study contributes to the existing knowledge on sustainable customer behaviour in banking and provides guidance to managers and policymakers on how to support sustainable banking practices.

The aims of this research are to examine are the ESG rating score factor have any influence to stock return investment particularly in Raw Return and Abnormal Return in 5th-ASEAN Country (Indonesia, Malaysia, Philippines, Singapore, and Thailand) that listed in stock exchange their country from 2017 to 2019 periods. The research methodology used in quantitative with panel data regression analysis. The data consist about 255 firms with total data observation 717 sampling from all kind industries. The finding of result showed that the ESG rating score have influence positivity and statically significant with stock return investment both in Raw Return and Abnormal Return. This impact is accepted all null hypothesis development has same with most of previous literature studied. This implication should be aware in recently years to investor who investing in stock market to more concern about ESG practices in 5th-ASEAN Country.

ABC is a US-based multinational petrochemical company with global operations. The global economy is slowing down due to wars and high inflation globally. However, Southeast Asian economies are still growing more than the global average of around 5 - 6%. Therefore, a strategy to grow in the Southeast Asia region is important to continue to drive growth and profitability for the company. Within the Southeast Asia portfolio for ABC are commodity and specialty business lines. Currently, ABC is already a major player in the commodity business and in line with the company's direction, ABC needs to develop its specialty business under the system portfolio. Based on existing market knowledge, the fast-growing Southeast market is building and construction with a CAGR of 6-7% over GDP. Therefore, the roofing market is the most suitable for ABC PU's Business division to explore and the right strategy to grow in this market. Putting the right strategy in place to penetrate this market becomes important to increase the success rate. First, understanding the external factors affecting the industry and analyzing the internal capabilities will be done. This is to determine the opportunities and gaps between ABC and the existing players that dominate the roofing market. By having this kind of understanding, ABC can put its strategy into segmentation, targeting, and positioning. In addition, ABC will have their marketing mi. Lastly, from the strategy ABC expects to have a clear implementation plan alongside an opportunity review with real win-worth tools to use the opportunity for ABC to gain share from competitors. Having this ABC will have a list of projects and action items to be taken to increase their profitability as a business return.

This study investigates the effects of exclusive talent management philosophies on employee engagement within Company ABC, a multinational private healthcare corporation. The research focuses on how talent management strategies influence employees’ levels of engagement. Company ABC, facing significant business challenges due to its dominant exclusive talent management strategy, emphasizes external recruitment and the development of a small group of high-potential employees. This approach has led to a decline in morale, employee engagement, and perceptions of fairness, as employees feel undervalued and overlooked. Primary data were collected through surveys administered to 104 Company ABC employees, ranging from entry-level to junior managers. The study employs quantitative analysis to assess the relationship between the company’s talent management philosophy and employee engagement levels. Pearson Correlation technique was used to analyze the data. Findings reveal a negative correlation between exclusive talent management and employee engagement, indicating that a focus on a small group of employees can lead to feelings of exclusion and decreased motivation across the workforce. The thesis concludes with recommendations for Company ABC to transition to a more inclusive talent management approach. It advocates policies ensuring fair and equal treatment, development opportunities for all employees, and a culture that values diversity and inclusion. These changes are expected to enhance overall engagement, satisfaction, and organizational performance, aligning talent management with long-term business success.

This study aims to investigate the relationship between audit report lag and audit committee characteristics including membership count, frequency of meetings, andlevel of competence.The population of the study consists of property & real state enterprises registered on the Indonesia Stock Exchange between 2020–2022.The study uses purposeful sampling out of the 55 companies in the population, 165 companies comprise the full sample. The multiple linear regression analysis approach is used in the study to analyze the data. According to the study’s findings, the audit committee’s experience and number of members have a beneficial impacton audit report lag, which postpones the distribution of financial reports to shareholders and could lead to poor judgments down the road. On the other hand, more frequent audit committee meetings minimize audit report lag, enabling shareholders to act promptly based on the financial reports they have been provided.

As Indonesian demographics shift towards an aging population, governments and regulatory bodies are re-evaluating pension systems to ensure long-term sustainability. Pension systems are undergoing significant reforms, including adjustments to funding regulations, payment scheme and changes in pension benefits. These changes have the potential to affect Bank Suguru in various ways, such as through their portfolio quality, risk exposure and financial stability. This study explores how Bank Suguru may be affected by shifts from Pay As You Go pension scheme to Fully Funded pension scheme. With this upcoming condition, Bank Suguru need to establish strategies that can overcome any challenges that will occur in the near future. This study employs the scenario planning method to assess the potential impact by identifying the most uncertain and the most important factors that drive this changes. Based on in-depth interviews and analysis with subject matter expert, the two main change factors identified were government’s regulation towards pension system and Indonesia’s economic growth. Four nation theme scenario narratives was developed to give a clear picture regarding the future direction of the Indonesia’s pension landscape. By understanding the challenges and opportunities in each scenarios presented, Bank Suguru can proactively strategize to align their services with the changing retirement landscape, thereby enhancing their competitiveness and better serving the needs of pensioners and future retirees in Indonesia.

This Final Project delves into the strategic methods employed by Independent Power Producer (IPP) companies, with a particular focus on their participation in state-owned project tenders in Indonesia. The study centers around a case study of the Minihydro Power Plant (PLTM) within the JAMALI Electricity System, examining the dynamics and challenges faced by IPP in the tender process. The research employs a variety of analytical tools, including SWOT-TOWS analysis, diamond strategy/five element strategy, and thematic analysis, to decode the complexities and develop strategic solutions. Key findings indicate that IPP need to align their strategies with evolving government policies, market demands, and environmental factors. The study underscores the importance of regulatory compliance, risk management, and sustainable business practices. It provides significant insights into the strategic necessities for IPP to be successful in bidding for state-owned project tenders, emphasizing the need for adaptability, ethical practices, and strategic collaboration. The thesis presents a comprehensive roadmap for IPP to boost their competitive edge and achieve success in Indonesia’s dynamic renewable energy sector.

The banking industry, previously recognized as a traditional sector, has evolved into a new stage within the digital era.The exponential growth of Information Technology (IT) has resulted in increased customer demands for financial services that are not only secure, but also seamless, simple to use, and unconstrained by location and time.Banks need to execute digital transformation to make essential enhancements to their business plans.To facilitate digital transformation, each company attempts to hire their most skilled digital professionals to support the company’s vision and mission by establishing Management Trainee IT program.The issue emerged when trainees completed their training program, resulting in the leaving of a lot of trained people who were prepared to become future leaders in the field of IT. The company has invested significant resources in cultivating digital talent from the ground up and equipping them for key leadership roles.However,once the service bond expires,trainees tend to leave from companies that have built in their expertise and experience since the beginning.The study draws on an explanatory sequentialmixedmethodscasestudyofoneoftheleadingdigitalBankinIndonesia.Theresearchfindingsindicate that job burnout and quiet quitting have a substantial influence on the intention to leave among graduates. According to the findings of the conducted data analysis, it is advised that the program implements regular project rotation, aspiration sessions, and mentorship in order to decrease the intention to leave of trainee graduates.

The SME sector in Indonesia, currently comprising 62 million businesses, plays a pivotal role as a catalyst for economic growth and employment, particularly evident during crises such as the COVID-19 pandemic. In this context, banking institutions like Bank ARTMS have been offering services such as loans and other activities that directly support and strengthen SME businesses. As part of its strategic initiatives, Bank ARTMS aimed to create a digital bank facilitating swift and contactless financial transactions for SME customers called ARTMS Bisnis. However, the historical perception of the bank primarily as a loan provider, rather than a transactional bank, has hindered the product's traction. Currently, ARTMS Bisnis has garnered only 1,700 customers, with less than 50% actively participating in transactions. This limited traction is also attributed to a lack of features compared to competitors, highlighting the need for enhanced functionality to attract and engage customers effectively. In this study, the author will conduct interviews with various respondents, including existing customers, non-customers, internal employees, and experts. The aim is to gain insights into enhancing the digital experience of SME customers through a digital bank. The author will employ strategic tools such as Pestel analysis, competitor analysis, STP analysis, persona analysis, root cause analysis, and SWOT analysis to formulate an effective strategy. This comprehensive approach aims to develop a unique and valuable product tailored to the specific needs and preferences of SME customers. After conducting the research, this study led to the necessity of developing a comprehensive digital bank that offers end-to-end integration, digital assistance, gamification, award incentives, business reporting tools, digital loan applications, and the introduction of derivative digital products that support multiple facets of SME customer businesses, including Payroll, Request Payment, Bills, and QRIS transactions.

Purpose: Current existing social impact measurement tools only covers poverty measurement, while women’s empowerment have also become critical for measuring company’s financing impact to the society, in this case Bank Nusa Syariah (BNS), in order to support the realization of SDGs and to align with BNS’s business philosophy of “Do Good Do Well”, a business approach that integrates financial performance with a commitment to social responsibility. This paper aims to develop a simple, up-to-date and scalable social impact measurement tool for ultra-micro financing products that target the women productive underprivileged segment that could measure for both household welfare and women’s empowerment. Methodology: The research primarily focuses on identifying indicators that accurately reflect household welfare levels and women's empowerment level within households. A key aspect of this investigation involves the development of a predictive model, serving as a user-friendly tool for Bank Nusa Syariah. Leveraging public data from Indonesia's Statistical Bureau (Biro Pusat Statistik or BPS), specifically the Survei Sosial Ekonomi Nasional (SUSENAS) 2020 and employing methodologies like Principal Component Analysis (PCA), Weight of Evidence (WoE), Information Value (IV) and Logistic Regression, this predictive model aims to measure both household welfare and the level of women’s empowerment based on selected indicators. Findings: The predictive model plays a crucial role in the development of the Household Welfare (HW) Score, enabling the simultaneous measurement of both household welfare and women's empowerment levels. By incorporating various socio-economic and ownership indicators, the HW Score offers a comprehensive understanding of the economic status and living conditions of the targeted segment. The analysis not only provides insights into the distribution of wealth, access to essential amenities, digital and technology savviness and women’s empowerment but also reveals a positive correlation between higher Household Welfare Scores and enhanced Women's Empowerment Index. A higher score on the Household Welfare Score signifies improved economic status and better living conditions, indicating enhanced women's empowerment within households. This insight underlines the interconnectedness of economic prosperity and women's empowerment, emphasizing the dual impact of financial well-being on the overall welfare of the household. Practical Implications: Financial institutions that operate in micro-enterprise financing with a similar target segment can easily use this measurement tool to measure and monitor the improvement of customers’ household welfare level and women’s empowerment level. Originality/value: The limitations of existing poverty measurement tools in the market, such as the absence of indicators and measurements related to women's empowerment and an outdated baseline that does not consider the post-pandemic context, underscore the need for an innovative approach. This paper brings forth a distinctive contribution to the field in two key aspects. Firstly, it addresses the contextual uniqueness by incorporating both household welfare and women’s empowerment indicators into the measurement tools. This novel approach aligns with the specific needs of Bank Nusa Syariah (BNS), offering a more comprehensive evaluation of the impact of ultra-micro financing products on the productive underprivileged women segment. Secondly, the paper utilizes the latest post-COVID-19 dataset as a baseline for the analysis, providing an updated perspective that reflects the current socio-economic landscape. Beyond resolving the current challenges faced by BNS, this Household Welfare (HW) Score presents a valuable and scalable solution for broader implementation, offering similar financial institutions operating in comparable segments an effective tool to measure both household welfare and women's empowerment. 

This research objectives is to analyze the factors that determine the value of manufacturing companies that is listed on the BEI in 2018 - 2022. This research used a positivistic paradigm. The population in this study are manufacturing companies that is listed on the BEI for the 2018-2022 period. The data analysis method used is multiple regression analysis. The research results showed that the higher the Managerial Ownership, the greater the increase in Company Value. The research results showed that the hypothesis is accepted that managerial ownership has a positive effect on company value and institutional ownership has a positive effect on company value. The research results which showed that the hypothesis is rejected are that leverage has no effect on company value and company size has no effect on company value. The implications of the results of this research related to the importance of strengthening good corporate governance, especially for public companies.