Analisis Risiko Penggunaan Sistem Pembayaran UKT Virtual Account Mahasiswa UIGM Menggunakan ISO 31000

Abstract

The application of information technology through a Virtual Account system in the payment of Single Tuition Fees (UKT) at Universitas Indo Global Mandiri aims to increase efficiency and transparency in the transaction process. However, in its implementation there are still a number of operational risks that can hinder the payment administration process. This study aims to analyze and provide risk mitigation suggestions in the Virtual Account-based UKT payment system by implementing the ISO 31000 method. The research method used is a quantitative descriptive through a case study approach, involving 40 student respondents. Data collection techniques were carried out through observation, literature studies, and questionnaire distribution. The results of the study indicate there are five main risks, namely system disruptions, late payments, failed transactions, unverified payments, and Virtual Account input errors. Based on the analysis results, most risks are in the high category (High), where the risk of system disruption recorded the highest value of 12.61. Therefore, preventive measures are needed in the form of routine system maintenance, server monitoring, and improving transaction verification mechanisms to reduce the risks that occur.