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

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.

Keeping engagement high between the bank and its customers proved to be a huge challenge for Rosemary, a digital bank based in Indonesia. Active rate as one of the key metrics within the bank has suffered and dropped significantly over the years. The existing initiatives to keep the engagement are mostly through financial benefits which tends to be effective in the short term but causes significant hit to the cost the bank must bear. There are needs to ensure high engagement from the users, as well as to reach sustainability for the business. One of the main challenges is on how to keep the balance between retaining customers as well as ensuring the business achieves its goals to profitability. In this research, a new Loyalty Program focused on organically engaging Users is proposed. The program should encourage user’s activity by giving them systematic rewards without causing the business to bleed due to the incurred cost. The writer also proposed a change to the usual Loyalty Program framework which mostly did not consider business strategy when initially designed. The proposed Loyalty Program would have several mechanics such as Tiering or Leveling, Point Systems, as well as non-monetary rewards such as Badges. When implemented, the proposed Loyalty Program is expected to increase user’s longevity within the bank as well as boost the bank profitability.

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.

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 used 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 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.

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.

In one of the telecommunications company's divisions, the wholesale division, performance measurement is carried out by the performance team through updates to several websites. The performance websites used are weekly web, monthly web, and quarterly web. Having quite a lot of websites used will create the possibility of unclear information and data when presented to the sales team to support the direction of sales movements in searching revenue. Revenue is needed by the team to achieve company targets. For sales employees, achieving a target will result in good incentives. Improvements in communication and website appearance are needed to support sales performance. The methodology used in this research includes quantitative to determine the most effective form of communication within a team, as well as qualitative to improve automation and website efficiency. Communication regarding the performance web within the team will be carried out intensively during the transition period from 3 performance webs to one form of integrated performance web. When communication is carried out effectively within the team, the sales team will be able to clearly know their performance on a weekly basis to help move sales direction. A form of embedded performance website in the form of an application into the sales team's device will also help the sales team in looking for order prospects or order progress movement until completion.

This study explores Indonesia's energy sector, focusing on PT PLN (Persero) and its transition from coal-dependent power generation to a more sustainable and diversified energy mix. Indonesia relies heavily on coal for electricity production, accounting for 70% of its electricity demand by 2021. This reliance poses significant environmental and health risks, necessitating a shift towards renewable energy sources such as solar, wind, and hydroelectric power. This 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, was pivotal in this transition. A company's strategic goals align with national and global efforts to mitigate climate change, focusing on sustainability, innovation, customer focus, and efficiency. PT PLN 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 needing new technological expertise, PT PLN can leverage technological advancements, government support, and public environmental awareness. The study reveals that replacing renewable energy power plants with 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 climate change mitigation's environmental impacts and future costs suggests a comprehensive financial and environmental assessment. This assessment underscores the importance of integrating environmental considerations into financial decision-making. This research employs SWOT, VRIO analysis, and financial projections to understand PT PLN's internal capabilities and external market dynamics. These findings highlight the significance of a holistic approach to addressing Indonesia's energy transition challenges. 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.

Onboarding is a critical phase for new hires. This is the phase where they are learning to adapt with the new organization to contribute through their role to achieve the organization’s goal. Managers play an important role to support the newcomers to perform and to meet the expectations that are given to them. This research conducted to new hire employees in Bank Pelopor – pioneer of digital bank in Indonesia to perceive the employee experience, the problem endured, also the support they needed during the onboarding period. This research aims to propose the onboarding program that can be implemented to Bank Pelopor to improve the new hire productivity and contribution to the organization. The research is using a mix method of qualitative and quantitative. Author started this research with collecting the feedback from new hire employees using a questionnaire followed by an In Depth Interview with Authorized Human Resources of Bank Pelopor to understand the needs and expectations both from employee and the Management sides during the onboarding period.

This study was conducted at Padma Hotel Bandung, a five-star hotel located in Bandung. The main objective of this research was to analyze the effects of a comprehensive training program on the overall performance of the hotel's employees, with a brief focus on the impact it had on the quality of service provided to guests. The training program spanned duration of four months and covered essential topics that were meticulously planned and organized by the Corporate Training Manager. In order to evaluate the efficacy of the training program, the researcher employs a refined qualitative approach, utilizing insightful interviews, analyzing using descriptive methods, and gathering supplementary data from reputable sources such as journals and internal company records. Moreover, researchers utilized the Kirkpatrick Model, a theoretical framework widely recognized for evaluating the outcomes of training programs. Findings of the research, the author discovered that the primary objective of the training program is to enhance the performance of employees. This training program has effectively contributed to the enhancement of employees' skills, knowledge, and overall performance. As a result, the improved performance has resulted in heightened satisfaction among all the guests who choose to stay at the hotel. Ultimately, the author concludes that while the training program implemented by the hotel has shown promising results, there are certain aspects that require evaluation and improvement in order to further enhance the quality of the core training program in the future. 

The growing recognition of climate change and sustainability among the public necessitates companies to demonstrate their dedication to Environmental, Social, and Governance (ESG) principles. This is evident in the criteria adopted by certain banks, investors, and lenders, who now exclusively support companies exhibiting a strong commitment to sustainable practices. As a company engaged in the exploration and production of oil and gas, PT Pertamina Internasional EP (PIEP) is facing significant hurdles with lenders who demand ESG Risk Ratings as a crucial parameter for loan applications. Quantitative methods are used in this research, utilizing data sourced through the analysis of annual reports, sustainability reports, third-party databases, and online information. The acquired data undergoes processing using the Sustainalytics methodology to generate an ESG Risk Rating. The findings indicated that PIEP's ESG Risk Rating value fell within the severe risk category. Furthermore, there is room for improvement in PIEP's ESG Risk Rating, particularly in the areas of carbon emissions related to products and services, carbon emissions-own operations, and waste emissions. Identifying the areas that require enhancement is intended to offer valuable feedback to the company, aiming to improve the management of ESG aspects and ultimately achieve a more favorable ESG Risk Rating.

This paper aims to comprehensively review existing studies on the diverse and evolving aspects of affiliate marketing in the digital era. It seeks to understand the impact of affiliate marketing strategies on various sectors, including e-commerce, online advertising, and consumer behaviour. Employing a systematic literature review approach, this study synthesizes information from 66 research papers. It analyses studies that cover topics like the effectiveness of affiliate programs, the role of technology in affiliate marketing, and the intersection of affiliate marketing with social media advertising. The review identifies key trends and patterns in affiliate marketing, highlighting its growing importance in e-commerce and digital advertising. Studies indicate the significant role of affiliate marketing in enhancing customer reach, engagement, and conversion rates. Factors such as influencer marketing email marketing, customer segmentation, and technological innovations in tracking and analytics are found to be crucial in the effectiveness of affiliate marketing strategies. The research also sheds light on challenges like fraud detection, risk management, and the need for transparent and ethical marketing practices. Future research could benefit from a more standardized approach and explore the impact of affiliate marketing across different cultural and economic landscapes. This literature review brings together diverse research perspectives on affiliate marketing, providing a holistic view of its evolution and current state. It offers valuable insights for marketers, advertisers, and businesses looking to leverage affiliate marketing strategies effectively in an increasingly digital marketplace.

This Final Project discusses a transformative shift in the procurement of ICT solutions within MNC Group, a leading conglomerate in the Media sector in Indonesia. This shift was triggered by the recognition of the pivotal role of ICT in contemporary business operations following the abatement of the COVID-19 pandemic in early 2022. The Executive Chairman designated PT Infokom Elektrindo (Infokom), one of MNC Group's subsidiaries, as the exclusive provider of ICT solutions for all Business Units, necessitating a comprehensive restructuring initiative. The implementation of this appointment faced resistance from various stakeholders in some of the Business Unit, as they were accustomed to sourcing ICT solutions from external vendors. The previous procurement process was managed by PT. Prima Permata Nusantara (PPN), incurred a 3% service fee for projects exceeding 250 million Indonesian Rupiahs, while projects below this value were managed by respective procurement units within the Business Units. To address these challenges, a strategic framework known as 3D-Negotiation was applied, encompassing Tactics, Deal Design, and Setup, effectively navigating stakeholder complexities. Qualitative interviews and the Power-Interest Grid played a crucial role in understanding the perspectives and influences of the stakeholders. Additionally, the Stakeholder Analysis Framework provided insights into the complex relationships among business units. This research yields a comprehensive approach, offering valuable insights for decision-makers facing similar restructuring efforts in large corporate conglomerates with a Single-Family Office (SFO) type, ultimately aiming to enhance operational efficiency and align with organizational objectives.

This study aims to test and assess what factors influence BRImo mobile banking customer satisfaction at PT Bank Rakyat Indonesia Pontianak City, utilizing user experience as an intervening variable. A survey is used to collect data for this quantitative study. Purposive sampling was used to get the sample. The gathered data were examined using partial least squares structural equation modeling to evaluate the hypothesized hypothesis. The findings revealed that system quality has a direct and considerable impact on both user experience and satisfaction. The indirect relationship between system quality and customer satisfaction is mediated by user experience. However, the relative advantage does not affect user satisfaction, either directly or indirectly through user experience. The study's conclusions include recommendations to banking industry stakeholders about the necessity of good system quality.

Augmented Reality (AR) technology has been quickly changing different businesses, including the tourism sector. This study examines the influence of augmented reality (AR) installation on the purchasing intentions of domestic tourists towards Banten ethnic food. The objective is to evaluate whether the perceived simplicity of use, perceived usefulness, and perceived enjoyment of Augmented Reality (AR) have an impact on tourists' intentions to make a purchase. This study utilized quantitative methodology, employing survey questionnaires to gather data from a sample of 168 domestic visitors that visited Banten. The data were examined utilizing SmartPLS. The study found a significant relationship between the perceived ease of use of augmented reality (AR) and domestic tourists' intentions to make purchases. Furthermore, the perceived utility of augmented reality (AR) has a substantial impact on tourists' intents to make a purchase. Perceived enjoyment, albeit significantly less powerful, nevertheless has a considerable impact on visitors' purchase intentions. This research highlights the crucial influence of Augmented Reality (AR) in changing tourists' intentions to buy Banten's ethnic food. The results emphasize that tourists' perception of the convenience, utility, and pleasure derived from AR applications have a substantial influence on their inclination to participate in gastronomic experiences. The study offers useful information for the tourism industry in Banten and other areas, allowing stakeholders to utilize augmented reality (AR) technology to improve tourists' gastronomic experiences and stimulate economic development. This research supports future exploration of creative methods for promoting and maintaining culinary history, which will ultimately contribute to the development of sustainable tourism. As technology continues to transform the landscape of tourism, this research stimulates further exploration of novel tactics.

This research explores the correlation between knowledge management practices, incidents in digital products at BNI, and the role of IT Quality Assurance (QA) in maintaining product quality. Focusing on the digital products of BNI, the study investigates incidents reported over the past three years, aiming to identify patterns and root causes. This research employs a comprehensive approach, utilizing the APO Knowledge Management Assessment tool for Knowledge Management (KM) assessment within the IT Testing & Quality Assurance department at BNI. The study combines quantitative data from the APO KM Assessment with qualitative insights gathered through thematic analysis to determine the current knowledge management maturity level within the department. The culmination of the research involves providing recommendations to address the identified knowledge management challenges within the IT Testing & Quality Assurance department. The proposed solutions offer a holistic approach to enhancing knowledge management practices. The findings contribute to the broader goal of optimizing digital product quality and fortifying BNI's competitive position in the digital landscape.

The global nickel market is predicted to experience substantial growth, reaching an estimated value of $59.14 billion in 2028. Indonesia, particularly Sulawesi, holds the highest nickel reserves globally, with significant contributions to the world's nickel production. PT. Terratrust Harmony Nickel actively engaged in nickel mining in Southeast Sulawesi. The company faces challenges in monitoring overall performance, impacting managerial decision-making. In order to survive the intensely competitive nickel mining industry, PT. THN seeks to improve its performance management system. The research utilized both primary and secondary data. Primary data, gathered through group interviews and surveys, underwent qualitative processing via coding. Quantitative data gathered through scaled survey responses. Secondary data were sourced from the company's performance management system and literature review. The company's journey started with the identification of any deficiencies in its performance management system by utilizing the four foundations and five rules of designing an effective performance management system, and the root causes of the business issue were identified through causal analysis using Current Reality Tree. The performance dashboards, specifically strategic dashboards, then were chosen as solutions for the offered benefits and the company readiness. The formulation of dashboard metrics, formulated based on the corporate-level objectives and the balanced scorecard perspectives. Technical requirements established to compliment the data processing and user interface aspect of the performance dashboards. Initiatives ensuring data quality also implement the data sources throughout the company that supply the performance dashboards. In the end, the dashboard resolved the root causes and significantly improved the performance management system.

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 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.

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, 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.

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.

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.

Strategic marketing serves as a vital tool for corporations aiming to boost product sales and increase awareness among consumers. In the case of Siomay Bandung Wibisana, under 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 5 th -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 observation717samplingfromallkindindustries.ThefindingofresultshowedthattheESGratingscore 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 stockmarkettomoreconcernaboutESGpracticesin5th-ASEAN Country.