This study examines readiness for, and perceived risks associated with, generative artificial intelligence (GenAI) adoption in Islamic digital banking institutions in Indonesia and Malaysia. Grounded in the Technology Acceptance Model and Perceived Risk Theory, the study employs a quantitative cross-sectional design with 287 banking professionals and digital banking customers selected through purposive sampling. Data were collected through a structured questionnaire and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings show that generative AI readiness exerts a significant positive influence on adoption intention (β = 0.423, p < 0.001), while Shariah compliance risk (β = -0.281), data privacy risk (β = -0.196), and operational risk (β = -0.163) each impose significant negative effects. Multi-group analysis indicates that Shariah compliance risk weighs more heavily on adoption intention in Indonesia than in Malaysia, a pattern potentially associated with differences in Shariah governance infrastructure and regulatory context between the two jurisdictions. The study contributes empirical evidence on GenAI adoption within the institutional constraints distinctive to Islamic finance and offers practical implications for regulators, Shariah boards, and banking practitioners navigating AI-driven digital transformation.
This study aims to analyze the role of TikTok as a digital promotion platform in encouraging purchase intention toward local culinary products at the MSME Es Teler Tidar Sukodono. The development of digital technology has significantly transformed consumer behavior, particularly in the process of information searching and purchasing decision-making. This study employs a descriptive approach using a mixed-method design, combining qualitative data obtained through interviews and observations with quantitative data collected through questionnaires distributed to 50 respondents. The data were analyzed using descriptive percentage techniques and qualitative interpretation. The results indicate that promotion through TikTok achieved an average score of 94.24%, which falls into the “very feasible” category. This finding suggests that TikTok is effective in increasing consumer purchase intention. Furthermore, interview results reveal that engaging visual content, the use of trends, and interactive features on TikTok are able to enhance product attractiveness and influence purchasing decisions.
ABSTRACT This study aims to examine the effect of Corporate Social Responsibility (CSR) disclosure and leverage on corporate dividend policy. Dividend policy is treated as the dependent variable and is proxied by the dividend payout ratio and dividend to sales. The independent variables are CSR disclosure, measured using the CSR Score, and leverage, measured by the debt-to-asset ratio. This study also employs firm size as a moderating variable, measured by the natural logarithm of total assets. The population consists of companies listed on the Indonesia Stock Exchange (IDX) during the 2021–2023 period, selected using a purposive sampling method. The study uses 92 observations as the sample. The data used are secondary data obtained from companies’ annual reports and sustainability reports. This research adopts a quantitative approach using panel data regression analysis. The results show that CSR disclosure has a positive and significant effect on the dividend payout ratio but does not have a positive effect on dividend to sales. Leverage has a negative and significant effect on dividend policy, both when proxied by the dividend payout ratio and dividend to sales. Furthermore, the moderating role of firm size in the relationship between CSR disclosure and dividend policy shows insignificant results when dividend policy is proxied by the dividend payout ratio, but shows a strengthening and significant effect when proxied by dividend to sales. The theoretical implication of this study supports stakeholder theory, which suggests that companies are not only responsible to shareholders but also to all stakeholders.
This study examines the interrelationship between market structure, bank conduct, and financial performance in Indonesia’s commercial banking industry using the Structure–Conduct–Performance (SCP) framework. The analysis focuses on the four largest banks—BCA, BRI, Mandiri, and BNI—over the period 2015–2024, representing a highly concentrated oligopolistic market. Using a balanced panel dataset and fixed-effects regression, this study investigates whether structural dominance, proxied by bank size, influences lending behavior and profitability. The results show that bank size has a positive and significant effect on credit distribution, indicating that larger asset bases enhance intermediation capacity. Credit distribution, in turn, significantly improves profitability as measured by Return on Assets (ROA). However, the direct effect of size on ROA is negative and significant, suggesting the presence of diseconomies of scale. These findings imply that while market structure determines conduct, financial performance is driven more by managerial efficiency and effective credit allocation than by structural dominance alone. The study concludes that the SCP paradigm operates sequentially but not symmetrically in Indonesia’s concentrated banking market. Policy implications emphasize the importance of operational efficiency and credit quality management alongside structural oversight
Penelitian ini bertujuan menganalisis pengaruh motivasi, disiplin kerja, dan lingkungan kerja terhadap kinerja karyawan PT Campina Ice Cream Industri, Tbk., dengan kepuasan kerja sebagai variabel mediasi serta menganalisis perbedaan hubungan antarvariabel berdasarkan kelompok generasi. Penelitian menggunakan pendekatan kuantitatif eksplanatif dengan teknik purposive sampling terhadap karyawan tetap yang memenuhi kriteria penelitian. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan Structural Equation Modeling–Partial Least Squares (SEM-PLS) dengan bantuan SmartPLS. Hasil penelitian menunjukkan bahwa motivasi, disiplin kerja, dan lingkungan kerja berpengaruh positif dan signifikan terhadap kinerja karyawan, dengan disiplin kerja menjadi faktor yang paling dominan. Kepuasan kerja tidak terbukti memediasi hubungan motivasi, disiplin kerja, dan lingkungan kerja terhadap kinerja. Selain itu, hasil analisis berdasarkan kelompok generasi menunjukkan bahwa tidak terdapat perbedaan yang signifikan dalam hubungan ketiga variabel tersebut terhadap kinerja karyawan antarkelompok generasi. Temuan ini mengimplikasikan perlunya penguatan disiplin, koordinasi lintas departemen, serta pengembangan karier dan kompetensi. Pengelolaan karyawan dapat diterapkan secara umum dengan tetap menyesuaikan pola komunikasi antargenerasi
