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Abstrak :
ABSTRAK
Penelitian ini bertujuan menguji pengaruh kepemimpinan, ketersediaan sumber daya dan training, strategi dan kebijakan, penerapan proses manajemen risiko, budaya, dan teknologi informasi terhadap tingkat kematangan penerapan manajemen risiko di lingkungan Kementerian Keuangan. Metode analisis data yang digunakan yaitu binary logistic regression. Analisis ini berdasarkan hasil kuesioner 45 responden. Hasil penelitian menunjukkan proses manajemen risiko, budaya dan teknologi informasi berpengaruh signifikan positif terhadap risk maturity level Tingkat Kematangan Penerapan Manajemen Risiko . Pengaruh ketersediaan sumber daya dan training dan strategi kebijakan terhadap TKPMR tidak terbukti. Sementara itu, kepemimpinan berpengaruh negatif terhadap TKPMR.

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ABSTRACT
This research aims to examine the influence of leadership, availability of resources and training, strategies and policies, risk management processes, culture, and information technology to the maturity level of risk management ministry of finance. Data analysis method uses a binary logistic regression. This analysis based on the feedback of the questionnaire from 45 respondents. The results show the risk management processes, culture and information technology have a significant positive effect to risk maturity level. The influence of the availability of resources and training and policy strategies to risk maturity level are not proven. Meanwhile, the leadership has a negative effect on risk maturity level.

Abstrak :
ABSTRACT
As services are increasingly becoming driving forces of economies, the introduction of new services to satisfy customer needs is becoming a critical issue for telecommunication company. Telkomsel as a telecommunication company that holding the biggest market share in Indonesia, still struggle with its competitors, especially in its post paid services namely Kartu Halo. This research attempts to address the consumer issue and impact of service innovation on consumer loyalty. The study observes service innovation loyalty from the consumer perspective specifically, technology leadership, service leadership, switching cost, brand equity, and customization. The conceptual model examines the relevant relationships among the constructs by using structural equation modeling SEM with the help of LISREL 8.51 software. Findings from the research sample support the argument that service leadership, brand equity, and customization are the key determinants of loyalty, but not with the technology leadership. The further explanation, and suggestion based on the conducted research and questionnaires that spread in Jabodetabek area will be shown in this research.

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ABSTRAK
Karena layanan semakin mendorong pertumbuhan ekonomi, pengenalan layanan baru untuk memenuhi kebutuhan pelanggan menjadi isu penting bagi perusahaan telekomunikasi. Telkomsel sebagai perusahaan telekomunikasi yang memegang pangsa pasar terbesar di Indonesia, masih berjuang dengan pesaingnya, terutama dalam layanan pasca bayar yaitu Kartu Halo. Penelitian ini mencoba untuk menjawab permasalahan konsumen dan dampak inovasi layanan terhadap loyalitas konsumen. Studi ini mengamati loyalitas inovasi layanan dari perspektif konsumen; khususnya, technology leadership, service leadership, switching cost, brand equity, dan customization. Model konseptual menguji hubungan yang relevan antara konstruksi dengan menggunakan structural equation modeling SEM dengan bantuan software LISREL 8.51. Temuan dari sampel penelitian mendukung argumen bahwa switching cost, service leadership, brand equity, dan customization merupakan faktor penentu utama loyalitas, namun tidak dengan technology leadership. Penjelasan lebih lanjut, dan saran berdasarkan penelitian yang dilakukan dan kuesioner yang tersebar di wilayah Jabodetabek akan ditunjukkan dalam penelitian ini.