Bank Administrative Research Articles

GREEN ECONOMY DENGAN PENGELOLAAN LIMBAH BERBASIS ILMU PENGETAHUAN DAN TEKNOLOGI PADA BANK SAMPAH 3G

Garbage remains a significant issue in Greenary Permai Bojong Gede Housing, leading to an unhealthy environment, particularly when waste collection is inconsistent. In response, the 3G waste bank initiated several waste reduction activities. However, progress has been slow due to limited waste management knowledge, incomplete equipment, low community awareness, and manual record-keeping. To address these challenges, training was provided on managing organic and plastic waste, and repurposing used cooking oil into candles and soap. Financial application training was also given to improve the recording process. The goal was to enable the community and partners to adopt a small-scale waste management system and integrate it into daily habits. Using Participatory Action Research (PAR), community members, including waste bank administrators, were directly involved in hands-on training to ensure participants understood the objectives. Since the socialization of this initiative in April 2024, significant progress has been made. Questionnaire results showed 95% of participants understood the activity's purpose. Monitoring and evaluation revealed that residents and partners have successfully adopted composting, ecobrick-making, and proper recycling of used cooking oil into candles or soap, demonstrating sustainable practices and optimal use of the financial applications.

Artificial Intelligence In The Central Bank: Benefits And Risks Of Public Administration

The article analyzes the benefits and risks of using artificial intelligence (AI) in the public administration of central banks. Using the method of discourse analysis, the advantages and risks of introducing AI into the activities of central banks are investigated. The author also considers the Concept of Artificial Intelligence Development in Ukraine, approved by the Resolution of the Cabinet of Ministers of Ukraine № 1156-r dated 02.12.2020, which defines the priority areas of AI development and the areas to which this initiative is directed. Using AI in central banks can help improve the analysis of large amounts of data, which in turn will help forecast economic trends and manage financial risks. One of the main advantages is the ability to automate routine processes, allowing employees to focus on strategic tasks. An important aspect is the collection of microeconomic and non-economic data from various sources, including the Internet. In addition, AI provides the ability to use synthetic data, which expands the possibilities for analysis. However, the use of AI also carries significant risks. These include problems with data privacy, the risk of false conclusions based on synthetic data, the impact of built-in biases in AI models, and the difficulty of explaining policy decisions. Cybersecurity is a separate issue, as the introduction of AI makes systems more vulnerable to cyberattacks. AI is expected to be increasingly integrated into key functions of central banks, including monetary policy-making and financial risk management. This will allow central banks to make more informed decisions and increase the efficiency of their operations. In addition, the introduction of AI will facilitate the development of information technology and improve analytical capabilities, which will ultimately reduce the workload of employees. At the same time, an important part of the analysis is the impact of AI on the transformation of modern approaches to public administration, especially in the context of the digitalization of the economy. AI can change traditional management methods by offering new tools for decision-making, but it also requires more careful regulation to avoid negative consequences. Therefore, a balanced implementation of these technologies is needed, taking into account potential risks and benefits. This study is a step in understanding how artificial intelligence can change the role of central banks in the modern economy, and how regulatory approaches need to be adapted to ensure the safe and effective implementation of these technologies.

Potential Waste Reduction Through 3R (Reduce, Reuse, and Recycle) in Surabaya City: Focus on East and South Surabaya

Surabaya, the second largest city in Indonesia, faces significant environmental challenges, particularly waste management. To address this issue, the Surabaya City Government, through the Surabaya City Environmental Service (DLH), has introduced an innovative solution: the waste bank program. This practical work aims to evaluate the potential for waste reduction in East Surabaya and South Surabaya using the 3R (Reduce, Reuse, and Recycle) system facilitated by the waste bank program. The waste bank involves the sorting and collecting of recyclable and reusable waste with economic value. Initially, waste sorting was done at the waste bank, but there has been progress. Now, many customers are sorting their waste by type at home. However, some waste bank administrators still need to sort waste on-site due to some customers' inability to do so. The waste bank program also maintains organized weighing and management procedures. All transactions are meticulously recorded in both cash books and passbooks. The results of this program show that waste reduction in active waste banks in East Surabaya and South Surabaya is 0.088%, while the overall waste reduction managed by the Environmental Service (DLH) is 0.571%. To enhance the effectiveness of the waste bank program, it is essential to conduct awareness campaigns to educate the public on the importance of waste management. Additionally, offering rewards to customers could further motivate them to actively participate in the waste bank program.

Consumer Confidence in Digital Finance: Trust Dynamics in Online Banking

Consumer Confidence in Digital Finance: Trust Dynamics in Online Banking

PEMANFAATAN TEKNOLOGI INFORMASI DI BANK SAMPAH KAMPUNG RAMAH LINGKUNGAN KAMPOENG BERSERI, KECAMATAN CILEUNGSI, KABUPATEN BOGOR

The waste bank program at KRL Kampoeng Berseri is an effort to use waste as economic value. However, savings management is still done manually, so officers find it difficult when residents don't bring notes. As a result, the savings collected were taken immediately so that local residents received less benefit. This causes the enthusiasm of waste bank customers in Kampoeng Berseri to decrease so that the waste bank program does not run optimally. so it is necessary to apply information technology. For this reason, information technology is applied to manage waste savings and provides information technology training on waste savings management to waste bank administrators as managers and residents of the Kampoeng Berseri KRL environment. This service activity starts from preparation by identifying problems, determining solutions and developing applications. Then the implementation consisted of grants and training in managing the waste bank and residents around Limus Nunggal village. Lastly, evaluation to measure the results of community service activities. Based on the survey results, it shows that implementing community service can increase citizens' interest in using the application. Apart from that, residents also stated that this community service activity had good benefits and could be applied in everyday life and agreed to continue this service program in the future. The community service program has succeeded in improving the management of waste savings using information technology and increasing citizen participation and support for the program.

Building sustainability and community involvement at Tangguh Waste Bank

Tangguh Waste Bank is located in Wonosuko Hamlet, Tegalrejo Village, Tegalrejo District, Magelang Regency. The Tangguh Waste Bank has recently been established, so there are several shortcomings, including a lack of understanding of community ecoliteracy, which hinders community involvement in managing waste more broadly. To overcome these obstacles, community service activities were carried out with program targets for waste bank administrators based on a green economy. The implementation of the service uses a participatory approach method, focusing on: 1) socialization of the management of waste banks and reading corners, 2) training and guidance on the management of waste banks and reading corners, 3) outbound management of waste banks and the community to increase cooperation and cohesiveness between members. The results achieved through this activity include the preparation of a one-year work program for Tangguh Waste Bank management, equipped with a timeline and the person responsible for each sub-work program. Additionally, the level of management participation in activities increased by 53%.

Innovation Diffusion of Digital Application in Supporting Waste Management in Sidoarjo Regency

Indonesia's waste management capabilities are still weak. The majority of waste is still handled by collecting-transporting-disposing and even many are still not handled. This has caused many landfills to experience over capacity, including those in Sidoarjo Regency. However, the process of Reduce, Reuse, Recycle (3R) waste is also being carried out by the people of Sidoarjo Regency. Waste banks apply these principles and contribute significantly to reducing waste entering the landfill. Therefore, there needs to be an effort to improve the performance of waste banks, for example through training on the use of digital waste bank applications. The process of innovation diffusion is important so that work processes become more efficient and data can be stored properly. However, there are many obstacles in diffusing these innovations. This study aims to examine the diffusion innovation of digital application in supporting waste management in Sidoarjo Regency. Authors adopt qualitative research methods. The result shows that the innovation diffusion process encountered quite a lot of obstacles both from the change agent and from the client, in this case the waste bank administrator. Therefore, the objectives of the innovation diffusion have not been achieved.

Politics and civil society in regional waste management

Indonesia, like the majority of countries throughout the world, is grappling growing waste management issues. On a national or regional level. As a result, an effective program to limit garbage disposed of in landfills is required. Collaboration between municipal government and civic society is one option. This study examines the pattern of synergy between local government and community organizations in enhancing trash management through the case of coordinating waste management in Garut Regency, West Java Province, Indonesia. We modified the Collaborative Governance Framework and performed in-depth interviews with stakeholders, as well as a search for documentary sources and transect tracing. We gathered qualitative information from stakeholders about their experiences and perceptions of synergy patterns between sub-district trash bank administrators and district governments. The data was analyzed in three stages: data reduction, presentation, and conclusion. The collaborative governance paradigm of Anshell and Alison is applied to data analysis. As a result, it was discovered that the Garut Regency waste bank WhatsApp group offered sub-district waste bank administrators with an effective waste management communication space. Waste managers might be subject to a variety of local government laws. However, because the number of Waste Bank management members is still restricted, it is insufficient to address regional waste management issues.

Design of Waste Management and Accounting Information System (SITAMPAH 35) Based on Android at BERSERI 35 Waste Bank

One of the achievements of the Sustainable Development Goals (SDG’s) is Sustainable Consumption, which means managing waste residu from consumption. Waste management that is less than optimal will result in environmental, pollution, and poor public health. Therefore, strategic efforts are needed to empower sustainable waste management to reduce the volume of waste with awareness of applying the 5M concept, namely reducing, sorting, utilizing, recycling, and saving waste; increasing the role of the waste bank;and focusing on the nature of self-reliance. Berseri 35 carries out weighing and waste management administration activities without using an integrated information system which is manual. Customer members are not yet able to obtain information regarding the amount of savings in real time. In addition, the Waste Bank Management has difficulty reporting the amount of organic and inorganic waste management Environmental Department every month. Nowadays is technology era to facilitate access requires a Technology System and Waste Social Capital. The right technology system requires knowledge transfer and technology transfer as social capital engineering such of waste literacy knowledge. The aims of this program is creating an Integrated Information System application for managing organic and inorganic waste (My Waste For Berseri SITampah 35 to provide waste reports in a timely manner. Waste bank administrators can report the amount of managed waste in a timely and accurately. Strengthening the Waste Bank Institution in order to increase human resource skills for sustainable waste management. This research findings is an application of the accounting information system of for waste management digitally that will support financial recording that closure is more effective and efficient namely SITAMPAH 35.

Analysis of Community-Based Waste Management through Waste Bank in Tinjomoyo Urban Village, Semarang City, Central Java

Waste is a problem that, until now, has been difficult for the Indonesian government to solve. The emergence of waste banks can make people aware of the need to manage waste properly. The community eventually became more educated about managing and sorting household waste. The household waste consists of used cardboard, used plastic drink bottles, used shoes, and other used items. If waste banks exist in a community and whether they have an impact on that community or other "aspects" is a question unto itself. This study aims to see the impact of waste banks on the community and help local governments realize effective waste bank management. The type of research used in this study is observational-descriptive research. In addition, interviews were also conducted with waste bank administrators, and questionnaires were distributed to waste bank customers. The data was analysed with simple quantitative descriptive. The results of this study reveal the underlying aspects of the establishment of a waste bank in Tinjomoyo Urban Village and the impact of the waste bank on the surrounding community, especially on waste bank customers. As a result, some people feel a positive impact from the waste bank in Tinjomoyo Urban Village.

Pengelolaan Sampah Melalui Bank Sampah Berkah Di Desa Sucenjurutengah, Bayan, Purworejo

This research aims to determine the waste management process and the impact of managing the Berkah Waste Bank in the villages of Sucenjurutengah, Bayan, Purworejo. This research uses a descriptive research model through a qualitative approach. Data collection methods use interviews, observation, video and documentation. Data analysis using this method aims to determine the waste management process and the impact of waste bank management. The Berkah Waste Bank has been running well, namely by using sorting, weighing and depositing methods. As well as Waste Bank administrators who have worked in their respective fields. The impact caused by the management of the Berkah Waste Bank on the environmental aspect is very good because it makes the environment cleaner and waste does not accumulate, on the social aspect the existence of the Waste Bank increases community familiarity, on the economic aspect it is enough to provide additional income for its customers. So, the Waste Bank is the best way to manage waste.

Solving the insolvency of troubled banks: a theoretical and applied aspect

The European election of Ukraine takes place in the context of scaling military conflicts, global shifts from geo-economic fragmentation, and new economic challenges that require the determination of the legal status of the participants in insolvency relations, procedures of temporary administration, financial rehabilitation, and liquidation of banks. Methodological and applied approaches are characterized to track the growth of Ukraine's external financial vulnerability and the specific weight of cross-border banking operations in European integration. It is found that it is essential to determine the impact of gross flows on financial stability, geographical and financial determinants of cross-border banking requirements, and the impact of internal, external, and global factors. In the applied aspect, it is argued that in the event of insolvency, banks will use the same rights for protection, regardless of whether these measures were adopted under EU or national law. It was established that Ukraine's entry into international business cycles would spread financial innovations between countries, forming a critical channel for the transmission of financial shocks. The macroeconomic volatility of economies influences the occurrence of bank insolvency; the uncertainty of the macroeconomic situation affects the market balance and complicates the regulator's road maps. It was determined that monitoring trends between insolvency and illiquidity is expedient to form an additional equity buffer to cover additional costs. It was established that it is expedient to systematize measures to prevent insolvency from resolving the insolvency of problem banks and financial recovery considering modern realities; improve the efficiency of financial liability management; negotiations with debtors; protect the interests of managers and shareholders; consulting on issues of international insolvency. Keywords: bank insolvency, financial security, banking supervision, resolution tools, financial sector, financial recovery, capital, risks, creditors.

AI-enabled human capital management (HCM) software adoption using full consistency method (FUCOM): evidence from banking industry

PurposeArtificial intelligence (AI)-based human capital management (HCM) software solutions represent a potentially effective way to leverage and streamline a bank’s human resources. However, despite the attractiveness of AI-based HCM solutions to improve banks’ effectiveness, to the best of the authors’ knowledge, there are no current studies that identify critical success factors (CSFs) for adopting AI-based HCM in the banking sector. This study aims to fill this gap by investigating CSFs for adopting AI-based HCM software solutions in the banking sector.Design/methodology/approachFull consistency method methodology and technology–organization–environment, economic and human framework are used for categorizing and ranking CSFs.FindingsThe study identifies the technological and environmental dimensions as the most and least important dimensions for AI-based HCM adoption in banks. Among specific CSFs, compatible technology facilities, sufficient privacy and security and relative advantages of technology over competing technologies were identified as the most important. Implementation of AI-based HCM solutions requires significant outlays of resources, both human and financial, for banks.Originality/valueThe study provides bank administrators a set of objective parameters and criterion to evaluate the feasibility of adopting a particular AI-based HCM solution in banks.

Development of the PREMIUM computerized adaptive testing for measuring the access and care coordination for patients with severe mental illness

Severe mental illness (SMI) patients often have complex health needs, which makes it difficult to access and coordinate their care. This study aimed to develop a computerized adaptive testing (CAT) tool, PREMIUM CAT-ACC, to measure SMI patients' experience with access and care coordination. This multicenter and cross-sectional study included 496 adult in- and out-patients with SMI (i.e., schizophrenia, bipolar disorder, or major depressive disorder). Psychometric analysis of the 13-item bank showed adequate properties, with preliminary evidence of external validity and no substantial differential item functioning for sex, age, care setting, and diagnosis, making it suitable for CAT administration. A post-hoc CAT simulation demonstrated that the tool was efficient and accurate, with an average of seven items, compared to the full item bank administration. Its use by clinicians can contribute to optimizing patient care pathways and transitioning towards more person-centered healthcare.

Corporate Governance Enhances the Performance of Financial Institutions: A Comparative Study on Banking Industry of Bangladesh

Corporate Governance refers to the manner by which organizations are administered and to what reason. It distinguishes who has power and responsibility, and who simply decides. Corporate Governance has become visible noticeably over the world particularly in business regions like banks, NBFIs, insurances, administrative bodies, and autonomous bodies. This study intends to critically notice the exhibition of financial institutions improved by ensuring great corporate governance and what are the deterrents holding behind to accomplish it. From this examination we can gather that, various sorts of financial scams and advance defaulting hampering the business enormous. We had compared information gathered from 20 banks including both conventional and Islamic bank contrasting year 2020 with year 2022 recorded and controlled under Bangladesh Bank's administration. The corporate governance practices in Bangladesh have been largely limited to financial Sector and the Banking sector can serve as a motivation for better corporate governance through its requirements and procedures for approving and monitoring loans. These results suggest that better corporate governance mechanisms are imperative for every banking company and should be encouraged for the interest of the investors and other stakeholders as well as company’s both financial & operational activities.

The dissipation of a bank assets by its administrator in the administration process: legal and criminal implications

The present scientific approach is dedicated to the elucidation of the social and legal essence of the act of wasting the bank’s goods by its administrator in the administration process, criminalized in para.3) art.197 of the Criminal Code of the Republic of Moldova, identifying the factual modalities and the premises that were the basis of the diversification of criminal liability for such an act, as well as its delimitation from some related criminal acts. The author came to the conclusion that the act of wasting goods committed by the bank administrator with regard to the bank’s assets, meets the features of a crime in the business field, not only because of the qualified subject, but more importantly, the ambience in which the crime is committed – the exercise of service duties and the realization of the corporate social interest in the process of managing a business, which involves many more responsibilities and risks, especially in the financial-banking field.

Assessing the Impact of COVID-19 on Bank Customers and their Use of Electronic Banking in Ghana – A Bank Administrative Perspective

There is much empirical evidence that Ghanaian banks have adopted electronic banking. By using an automated teller machine, the internet, a phone call, or a mobile device, customers of a bank can request information and conduct majority of banking transactions without having to physically visit the bank branch. Electronic banking, entails all kinds of bank transactions carried out through an electronic medium. This study evaluates how COVID-19 has affected bank clients' adoption of electronic banking in Ghana. Using explanatory research approach and purposive sampling technique, we applied SPSS tool on data collected from four-hundred (400) respondents of a targeted customer population to meet the study's goal. Self-administered close-ended questionnaires were used to collect primary data from the respondents.

Terrorism and economic governance in Africa: analysis of the impact of Boko-Haram on banking administration in Nigeria

Purpose Using system theory, this paper aims to interrogate the impact of Boko-Haram on bank administration. The paper explains how death, injury and property destruction caused by terrorism affect banking supervision and structures. Design/methodology/approach With the aid of a mixed research method, this paper conducted 47 interviews. It extracted secondary data from the Central Bank of Nigeria database, the National Deposit Insurance Corporation publications, Enhancing Financial Innovation and Access Survey, the World Bank database and the Global Terrorism Index. Descriptive, content and regression analysis was used in this research. Findings With a significant regression model (p-value < 0.05), the analysis shows that terrorism accounts for 84.02% variation in banking administration. The impact of Boko-Haram on banking administration is negatively significant, especially in the areas like on-site supervision of Money Deposit Banks/Micro-finance Institutions and citizens’ accessibility to financial systems. Originality/value This paper generates new knowledge in the thematic area, which is still grey. The influence of terrorism on financial institutions as an element of economic governance is less researched. Hence, the strategic linkage of the impact of Boko-Haram on banking administration as a component of financial institutions. Therefore, this paper contributes to the existing body of literature on terrorism and economic governance.

Influence of Non-Accounting Information on Credit Decisions of Microfinance Banks in Kenya

Supporting the operation and administration of microfinance banks over a lengthy of time is becoming a rather difficult and challenging concern for microfinance banks in developing countries. Among other issues, their customers’ non-performing loans greatly affect the microfinance banks profitability, leading to failure to sustain themselves over a reasonable length of time. This calls for proper credit management by the microfinance banks, thus need to manage and formulate policies related to credit risk management. One method is to put in place suitable credit approval methods aimed at reducing loan default rates. This study assessed the influence of non-accounting information that is utilized by microfinance banks in making lending decisions. The research was underpinned by four theories namely; equilibrium theory of credit rating, agency theory, theory of planned behaviour and decision-making theory respectively. The study adopted a quantitative methodology in which case data was gathered using structured questionnaires. In this study the main data collection instrument used was questionnaires which were carefully designed, tested and evaluated to assure validity of the research instrument. The correlation analysis showed that credit history, credit utilization and financial literacy significantly and positively influence credit decision in microfinance banks in Kenya. These findings were confirmed by the regression analysis where credit history, credit utilization and financial literacy each registered a positive and significant beta coefficient. The study made the conclusion that financial literacy, credit utilization and credit history were very instrumental in credit decision making among the microfinance banks in Kenya. It is therefore recommended that microfinance banks keep information about both current and potential borrowers which may be useful on decisions concerning credit to customers. On further studies, this study recommends that similar research be done using other variables to establish which other factors have impact on the credit decisions among microfinance banks in Kenya.

Role of corporate governance in asset quality of banks: comparison between government-owned and private banks

PurposeThis paper compares the impact of corporate governance determinants of asset quality between India’s public and private sector banks. The article identifies which corporate governance determinant is better utilized between the two sectors. The findings empower the banking regulatory authorities and individual bank administrators to handle asset quality in a better manner through a robust corporate governance framework. The study’s findings are also helpful for other nations to make informed judgments by countries with economic relations with India.Design/methodology/approachThe article uses a dynamic panel data analysis method on novel data to achieve the purpose of this article. Using the General Method of Moments, the authors analyze 21 public and 24 private sector banks. The data used in this study span over a decade from 2010 to 2019.FindingsAccording to the estimates, there is a significant difference in the impact made by corporate governance determinants on public sector banks vis-à-vis private sector banks. The results find that while board size has a greater impact on the asset quality of private banks, board independence has a lesser impact. Gender diversity contributes to more reduction of NPAs in private banks. The article also concludes that public banks perform better in the utilization of audit committee while private banks are better at using board meetings, CEO duality and ownership concentration.Originality/valueSeveral papers have identified the determinants of asset quality in banks in various nations. However, to the authors' knowledge, none of the papers has identified the difference in the impact of corporate governance determinants between India’s public and private sector banks separately. This article is the first to do so.