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Kurniasari, Florentina
Universitas Multimedia Nusantara
Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mechanical Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Transportation

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Pengaruh Teknologi Digital Terhadap Keputusan Pelanggan Dalam Memilih TekFin Pinjaman di Indonesia Kurniasari, Florentina; Endarto, Eko Agus Prasetyo
Manajemen Bisnis Kompetensi VOL. 13 NO. 02 JULI-DESEMBER 2018
Publisher : Manajemen Bisnis Kompetensi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Digital technology that is increasingly growing in Indonesia, characterized by an increase in the number of mobile phone users, has led to an increase in financial transactions carried out electronically by 24% in 2017. However, these developments are not in line with the level of financial inclusion of the Indonesian people, which only 64% of people have access to banks. This study aims to analyze the factors of digital technology that can influence customer decisions in using financial technology products (tekfin). The decision to use Tekfin services was influenced by how much customer knowledge was about Tekfin products. The sample in this study was MSME customers from the Rural Credit Bank (BPR) located in Central Java. Data is processed statistically using Structural Equation Method (SEM). The results showed that the customer’s decision in choosing Tekfin was strongly influenced by familiarity, level of literacy and knowledge possessed about Tekfin. Furthermore, this knowledge is formed by the existence of information communicated through social networks, the clarity of government regulations and the type and quality of financial services offered. This research emphasizes the need to provide information through education, intensive promotion supported by government protection so that tekfin users in Indonesia will grow. Keywords: Digital Technology, Customer Decisions, Financing Loans, BPR
THE FACTORS AFFECTING THE ADOPTION OF DIGITAL PAYMENT SERVICES USING TRUST AS MEDIATING VARIABLE Kurniasari, Florentina
Emerging Markets : Business and Management Studies Journal Vol. 8 No. 1 (2020)
Publisher : Directorate of Academic Research and Community Services

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33555/embm.v8i1.165

Abstract

The advance of technology development today brings an innovation in the financial industries, especially in the sector of payment. The purpose of this research is to analyze the effect of personal innovativeness, security concerns and perceived enjoyment into customer adoption of digital payment services using trust as mediating variable. As a quantitative research, the study distributed questionnaires to 186 respondents who are customers who used digital payment platform in settling their business transactions. The data collection was furthered processed statistically using Structural Equation Method (SEM). The study showed that the customer decision to using the digital payment services had significantly influenced by trust variable, in which security concerns had the highest influence in creating the borrower’s trust.
Effect of Earnings Per Share (EPS), Price to Earnings Ratio (PER), Market to Book Ratio (MBR), Debt to Equity Ratio (DER), Interest Rate and Market Value Added (MVA) on stock prices at commercial banks registered in 2016-2019 Indonesia Stock Exchange Amiputra, Satria; Kurniasari, Florentina; Ade Suyono, Kristianus
Conference Series Vol. 3 No. 2 (2021): International Conference on Global Innovation and Trends in Economy 2021
Publisher : ADI Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/conferenceseries.v3i2.590

Abstract

This research was conducted by using the object of research, 7 banks listed on the Indonesia Stock Exchange. The independent variable in this study is earnings per share (EPS), price earnings ratio (per), market to book ratio (MBR), debt to equity ratio (DER), interest rate (int) and Market Value Added (MVA). While the dependent variable in this study is the stock price (market price). The results of this study are earnings per share (EPS), price earnings ratio (per), and the Market to Book Ratio (MBR) have a positive effect on stock prices. While the Debt to Equity Ratio (DER), Interest Rate (INT), and Market Value Added (MVA) have a negative effect on stock prices. Earnings Per Share (EPS), Price Earnings Ratio (PER), Market to Book Ratio (MBR), Debt to Equity Ratio (DER), Interest Rate (INT), and Market Value Added (MVA) together influence and significantly against stock prices.
Data Integration Project in Robologee Misi, Ratu Upisika Maha; Prihanto, Johny; Kurniasari, Florentina; Silva, Noemi da
Conference Series Vol. 3 No. 2 (2021): International Conference on Global Innovation and Trends in Economy 2021
Publisher : ADI Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/conferenceseries.v3i2.592

Abstract

Robologee is a sub-unit of PT. Bangun Satya Wacana is part of Kompas Gramedia which is focused in Education section for ages 7 to 12 years. Robologee is a diversification of the existing sub-units in PT. Bangun Satya Wacana. Robologee has branches located at Gramedia World so it is expected that it will have an impact on Gramedia traffic. Currently, Robologee is transforming in order to integrate data that will be stored in the cloud by Amazon Web Service.The goal of this project is that data can be accessed by various users and stored in one platform. In the analysis of the digital transformation project, 15 respondents have been determined who are parents as external customers. Based on the indicators used in DMM. It was found that Robologee's current condition is at the Advancing level. Based on the Roadmap this project is implemented for 1 year and consists of four stages. In the Budgeting analysis, Robologee has payback period of 1.7 years with an IRR of 7.512% greater than the expected return of 5% by the company. Then the NVP is in a positive number, so this project is feasible to implement.
Digital Newspaper as An Alternative Solution to Maintain The Existence ff Print Media in PT Okt Oktoviani, Maria Bernadetta Erika; Kurniasari, Florentina; Juliadi, Rismi
Conference Series Vol. 3 No. 2 (2021): International Conference on Global Innovation and Trends in Economy 2021
Publisher : ADI Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/conferenceseries.v3i2.614

Abstract

PT OKT Print Media needs to do a dual transformation to reposition its business to survive in the industry, create a new form of media to reach long distribution distances and to reach market segments that were previously unreachable, as well as to gain new business benefits. The transformation into a Digital Newspaper is carried out by changing the manual marketing process into digital marketing, and creating new html-based media with distribution via data-based and whatsapp. By enriching photos and videos as product development and segmentation that were previously unaffordable, and overcoming the problem of unreachable distribution.There are not many other studies that discuss the digital transformation from physical newspapers to digital newspapers using the Digital Maturity Model (DMM) from TM Forum. Using a 5-dimensional DMM-based questionnaire and 100 samples of customer and employee research, the maturity level of the company's current digital transformation process can be mapped, for the results to be validated by the Commercial Director as the basis for compiling a road map for further improvement. The findings of this study recommend that PT OKT Digital Newspaper uses a digital transformation strategy in the form of Digital Newspaper in order to survive for the purpose of maintaining its existence and adapting to its business environment.
CEO Compensation and Firm Performance: The Role of ESG Transparency Chetna Rath; Florentina Kurniasari; Malabika Deo
Indonesian Journal of Sustainability Accounting and Management Vol 4, No 2 (2020): December 2020
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28992/ijsam.v4i2.225

Abstract

Chief executive officers (CEOs) of environmental, social, and governance (ESG) firms are known to take lesser pay and engage themselves in corporate social responsibility activities to achieve the dual objective of the enhancement of firm’s performance as well as benefit for stakeholders in the long run. This study examines the role of ESG transparency in strengthening the impact of firm performance on total CEO pay in ESG firms. A panel of 67 firms for the period of 2014–2019 has been analyzed using the two-step system GMM model, with NSE Nifty 100 ESG Index as the data sample and ESG scores from Bloomberg database as a proxy for transparency. Findings reveal that environmental and governance disclosure scores have the potential to intensify the negative relationship between firm performance and CEO compensation, while social disclosure scores do not. In addition, various firm-specific, board-specific, and CEO-specific attributes have also been considered controls affecting remuneration. This paper contributes to the literature by exploring the effect of exhibiting ESG transparency and its nexus with CEO pay as well as firm performance.
Implementation of GASING Stock Gamification to Increase Financial Literacy for High School Students Florentina Kurniasari
International Journal of Finance Research Vol. 2 No. 4 (2021): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijfr.v2i4.507

Abstract

Financial inclusion played an essential role in increasing the nation's welfare. Therefore, it is crucial to increase financial literacy since the literacy index in Indonesia is still 38,03%. Stock market investment had the lowest contribution toward the level of literacy index. The advancement of ICT and the penetration of internet users support the spreading of financial information among the young generation. Due to its low literacy rate, Indonesians are still vulnerable to false financial information, leading to investment fraud. Gamification is chosen as an alternative method in taking advantage of interactive game development that can easily download via smartphone. The gamification system design, which is named GASING, gives the younger generation adequate information related to secure financial investment. The target game user of GASING is high-school students. The feature of the GASING that offer attractive UI/UX design was expected to increase the knowledge of high-school students in learning stock investment. The usage of GASING gamification was also expected to increase more young generation participation in the Indonesian capital market while simultaneously increasing their knowledge, skills, and confidence in the stock market.
The Effects of Performance Expectancy, Effort Expectancy, Facilitating Condition, and Habit on Behavior Intention in Using Mobile Healthcare Application Prio Utomo; Florentina Kurniasari; Purnamaningsih Purnamaningsih
International Journal of Community Service & Engagement Vol. 2 No. 4 (2021)
Publisher : Training & Research Institute - Jeramba Ilmu Sukses

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijcse.v2i4.529

Abstract

South Tangerang Health Office had the responsibility in giving outstanding healthcare services to its resident’s despite of its limitation due Covid-19 pandemic. Some programs were initiated to reduce maternal, babies and toddler mortality, and in the same time reduce the number of malnourished children. The integrated healthcare mobile application called Si Pandai Kemas TangSel had been launched and can be downloaded easily through smartphone. The study is expected to measure the effectiveness of Si Pandai Kemas TangSel using UTAUT approach by measuring the influence of performance expectancy, effort expectancy, facilitating condition and habit toward behavior intention in using Si Pandai Kemas TangSel mobile application. The study showed that the effort expectancy and habit can increase the intention to use Si Pandai Kemas TangSel application. Meanwhile, performance expectancy and facilitating conditions did not affect behavioral intention in using Si Pandai Kemas TangSel application.
PENGARUH LITERASI DAN EFIKASI DIRI TERHADAP INKLUSI KEUANGAN PADA PENGGUNAAN LAYANAN PEMBAYARAN DIGITAL SHOPEE PAY DI JABODETABEK [THE EFFECT OF LITERATION AND SELF-EFFICIENCY TOWARDS FINANCIAL INCLUSION ON THE USE OF SHOPEE PAY DIGITAL PAYMENT SERVICES IN JABODETABEK] Florentina Kurniasari; Neskia Adyni
DeReMa (Development Research of Management): Jurnal Manajemen Vol 16, No 1 (2021): May
Publisher : Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19166/derema.v16i1.3150

Abstract

The advancement of digital technology had affected many industries included financial sectors. The most famous financial technology was digital payment services. Financial technology was expected to support the Indonesian government program to increase financial inclusion. The objective of this study is to analyze the effect of financial literacy and self-efficacy to increase financial inclusion using the Shopee Pay digital payment services in Jabodetabek region as its research object. This is a causal research with quantitative methods and non-probability sampling techniques. This research distributed questionnaires among 191 respondents and furthered analyzed with linear multiple regression using IBM SPSS 26. The findings of the research showed that financial literacy and self-efficacy had a positive effect into financial inclusion.Abstrak dalam Bahasa Indonesia Perkembangan teknologi digital berpengaruh pada berbagai macam industri termasuk industri keuangan. Salah satu layanan keuangan berbasis teknologi yang paling popular adalah pembayaran digital. Teknologi finansial ini diharapkan dapat mendukung program pemerintah Indonesia dalam meningkatkan inklusi keuangan. Tujuan penelitian ini adalah untuk mengetahui pengaruh literasi dan efikasi diri pada bidang keuangan terhadap tingkat inklusi keuangan dengan objek penelitian layanan pembayaran digital Shopee Pay di wilayah Jabodetabek. Penelitian ini merupakan penelitian kuantitatif dan menggunakan teknik non-probability sampling. Penelitian ini menyebarkan kuesioner terhadap 191 responden dan selanjutnya diolah secara statistic dengan menggunakan IBM SPSS 26 dan metode regresi linear berganda. Hasil penelitian ini menunjukkan bahwa literasi keuangan dan efikasi diri pada keuangan berpengaruh positif terhadap inklusi keuangan.
Indonesia PENGARUH LITERASI KEUANGAN TERHADAP INKLUSI KEUANGAN DENGAN MENGGUNAKAN SOCIAL CAPITAL SEBAGAI VARIABEL MEDIATOR Maya Angela Natalia; FLORENTINA KURNIASARI; Ernie Hendrawaty; Vina Medya Oktaviani
Ultima Management : Jurnal Ilmu Manajemen Vol 12 No 1 (2020): Ultima Management : Jurnal Ilmu Manajemen
Publisher : Universitas Multimedia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1345.785 KB) | DOI: 10.31937/manajemen.v12i1.1522

Abstract

Abstract-MSMEs plays an important role to support Indonesia’s economic growth. There is an urgency to increase the financial literacy and skills for MSMEs, especially in managing their fund to make their businesses alive. The government believed that the financial literacy was one way to achieve the society prosperity by taking advantage from the collectivisim culture of Indonesian. This study is to examine the effect of financial literacy on financial inclusion by using social capital mediation at MSMEs in South Tangerang City. The questionnaires were distributed to some MSME’s district in South Tangerang regency. All data collection were furthered analyzed using Structural Equation Model on AMOS 24. The research showed that financial literacy does not affect financial inclusion, financial literacy affects social capital and social capital as a mediator variable on the relationship of financial literacy affects financial inclusion in MSMEs in South Tangerang City. It can be concluded that there is an influence of social capital that connects financial literacy to financial inclusion. All the stakeholders in the financial ecosystem in Indonesia, including financial institutions and the government as regulators, will be better to use the power of social capital to increase financial literacy and financial inclusion in Indonesia. Keywords: Financial Literacy, Financial Inclusion, Social Capital, SMEs, South Tangerang City
Co-Authors Abubakar, Arlyana Ade Suyono, Kristianus Amiputra, Satria An Nisaa Syauqi Ul Jannah Andy Firmansyah Bonaventura Kusuma Jaya Budiyanto, Hendro Chetna Rath Daniel Antonius Deborah Naomi Tampoli Elissa Dwi Lestari, Elissa Dwi Endarto, Eko Agus Prasetyo Ernie Hendrawaty Evan Tehdi Farameita, Era Farica Perdana Putri Ika Yanuarti Imanuel Sudarsono Johny Natu Prihanto Juliadi, Rismi Juvy Reyes Kurniawan, Alvin Yuan Malabika Deo Maria Bernadeta Erika Oktoviani Maya Angela Natalia Meidy Nurindah Hasri Misi, Ratu Upisika Maha Natania, Davina Neskia Adyni Oktoviani, Maria Bernadetta Erika Prihanto, Johny Prio Utomo Purnamaningsih Purnamaningsih Santika, Febi Silva, Noemi da Tjahjana, David Utomo, Prio Vina Medya Oktaviani Wilson, Timothy Yoke Ranlym Arifin