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All Journal Journal of Business and Management Jurnal Tata Kota dan Daerah Journal of Business Management Education (JBME) Sebatik Jurnal Riset Bisnis dan Investasi Jurnal Maps (Manajemen Perbankan Syariah) JATI EMAS (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) Journal of Tourism Sustainability Jurnal Transportasi Multimoda Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal Research of Social Science, Economics, and Management Prosiding Seminar Nasional Pengabdian Masyarakat Journal Integration of Social Studies and Business Development Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Pengabdian UMKM Jurnal Maps (Manajemen Perbankan Syariah) Journal Integration of Management Studies Journal of Tourism, Hospitality and Travel Management (JTHTM)
Afgani, Kurnia Fajar
School Of Business And Management Institut Teknologi Bandung
Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Medicine & Pharmacology Public Health Social Sciences Transportation Other

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The Impact of Super Apps Usage on Financial Literacy and Financial Behavior of Generation Z in Indonesia: A Literature Synthesis Tabina Azzahra; Kurnia Fajar Afgani
Journal Integration of Management Studies Vol. 1 No. 1 (2023)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v1i1.32

Abstract

Based on a literature review, this study explores the relationship between financial technology, financial literacy, and financial behavior. The findings suggest that financial technology is interconnected with financial literacy and behavior. Future research using quantitative or qualitative studies is recommended to investigate this relationship further. The proposed conceptual model can be utilized to examine the impact of super apps on Generation Z's financial literacy and financial behavior in Indonesia. This study contributes to the existing body of knowledge by shedding light on the potential implications of financial technology on individuals' financial knowledge and behaviours, particularly among the younger generation.
Developing Sustainability Practices Reporting Measurement Framework For Islamic Banks in Indonesia: A Literature Synthesis Hanisfy, Ghanef Rayyan; Afgani, Kurnia Fajar
Journal Integration of Management Studies Vol. 1 No. 1 (2023)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v1i1.33

Abstract

This study aims to develop a theoretical model and measurement framework for reporting sustainability practices in Islamic banks in Indonesia. A survey of 58 selected works of literature was conducted to identify key concepts and insights related to sustainability, social, economic, and environmental dimensions. The theoretical model incorporates these sustainability values and aligns them with Maqasid Al-Sharia, the objectives and principles of Islamic law. By integrating these principles, the model ensures that Islamic banks' sustainability practices in Indonesia are socially, economically, and ethically responsible. The measurement framework facilitates assessing and reporting sustainability practices, enabling Islamic banks to evaluate their social, economic, and environmental impact. This study contributes to sustainable banking by providing a comprehensive model and framework tailored to Islamic banks, promoting transparency, accountability, and responsible finance in Indonesia.
The Identification of Potential Rafting Tourism Products in Citepok Village, Sumedang Regency, West Java Province Satriani Siti Nurlaila; Eko Susanto; Kurnia Fajar Afgani
Journal of Tourism Sustainability Vol. 1 No. 1 (2021): Volume 1 Number 1 (2021)
Publisher : Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jtos.v1i1.3

Abstract

Sumedang Regency is a natural, historical and cultural tourist destination. There are still many tourism potentials that have not been built and developed optimally. The natural resources of the Sumedang regency in rivers can be used as unique interest tourism resources, namely rafting. These resources can support the vision and mission of tourism in Sumedang regency who want to build their territory as a natural, historical and cultural tourism destination and special interests that are well known both nationally and internationally. To find out the potential of research conducted with the title Of Analysis of Tourism Product Potential in Sumedang Regency. The method of research conducted is qualitative. Data collection methods include observation, interviews, documentation and library studies. While the data analysis techniques used are descriptive. The results showed that, especially in the Cipeles river, Citepok village could develop rafting tourism products. The unique attraction of the Cipeles river is that the river flow is in grade 2 rafting path and a line flanked by beautiful rock cliffs. Tourist facilities such as inns and restaurants are adequate. Additional services such as financial, security, health and rafting services are available around Citepok village.
ANALYZING THE FINANCIAL FEASIBILITY OF PT. CROWN TEKNOLOGI INDONESIA'S MEDICAL GLOVE PRODUCTION EXPANSION Dewi, Rahma Ilahi Sari; Afgani, Kurnia Fajar
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 3 No. 1 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

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

Abstract

This feasibility study examines the expansion of PT. Crown Teknologi Indonesia (CTI) into the production of medical gloves, a market segment showing significant growth due to increased global awareness of infection control and the rising demand for healthcare products. The study evaluates the financial viability, market potential, and associated risks of establishing a new production facility in Padang, Indonesia, scheduled to begin operations in 2028. The market analysis reveals strong demand for medical gloves in the Asia-Pacific region, projected to grow at a compound annual growth rate (CAGR) of 11.1% from 2022 to 2029, with Indonesia's market expected to expand from USD 40.951 million in 2022 to USD 70.100 million by 2029. CTI’s new facility will produce high-quality nitrile gloves, crucial for maintaining hygiene standards in healthcare settings. Financial projections indicate the project's attractiveness, with a net present value (NPV) of IDR 461.56 billion, an internal rate of return (IRR) of 25.30%, profitability index of 25.30%, a payback period of 7.15 years, and discounted payback period of 8.83 years, all of which affirm the project’s profitability and alignment with CTI's strategic goals. The study concludes that this expansion is not only financially feasible but also strategically beneficial, positioning CTI to capitalize on growing market opportunities while contributing to the enhancement of Indonesia's healthcare infrastructure.
Analisis Keuangan dan Risiko Perusahaan Transportasi Angkutan Darat Selama Pandemi COVID-19 Nainggolan, Yunieta Anny; Syaputri, Annisa Rizkia; Afgani, Kurnia Fajar; Purbayati, Radia; Subaryata, Subaryata
Jurnal Transportasi Multimoda Vol 21 No 2 (2023): Desember
Publisher : Sekretariat Badan Kebijakan Transportasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25104/mtm.v21i2.2133

Abstract

Pandemi COVID-19 yang terjadi sejak awal tahun 2020 menyebabkan mobilitas masyarakat menurun secara drastis yang menyebabkan penurunan volume penumpang dan berdampak pada kelangsungan bisnis operator transportasi angkutan penumpang. Berbagai upaya dilakukan pemerintah untuk dapat mengendalikan penyebaran virus dengan anjuran berkegiatan di rumah. Selain anjuran tersebut, pemerintah juga mewajibkan penerapan protokol kesehatan yang ketat terutama di area public, termasuk transportasi umum. Hal tersebut berdampak pada biaya operasional kendaraan (BOK) operator bisnis transportasi. Penelitian ini bertujuan untuk mengidentifikasi kondisi keuangan dan risiko operator transportasi angkutan darat selama pandemi COVID-19 yang dilihat dari tiga aspek, yaitu struktur biaya, rasio keuangan dan risiko. Data yang dikumpulkan diperoleh melalui Focus Group Discussion (FGD) dan berbagai sumber daring. Hasil penelitian ini menunjukkan bahwa struktur biaya sangat memengaruhi pendapatan operator dikarenakan adanya biaya penerapan protokol kesehatan. Identifikasi rasio keuangan memprediksi terjadinya penurunan kinerja sebagai dampak pandemi. Hasil identifikasi risiko menunjukkan bahwa risiko paling tinggi adalah penurunan pendapatan dan terjadinya kredit macet serta meningkatnya biaya operasional. Hasil penelitian ini diharapkan dapat menjadi dasar bagi operator bisnis transportasi angkutan darat dalam menyusun strategi selama masa pendemi. Selain itu, penelitian ini diharapkan dapat menjadi dasar pertimbangan bagi pemerintah untuk memberikan stimulus agar operator dapat menjalankan bisnisnya. Adapun stimulus yang direkomendasikan adalah berupa subsidi biaya protokol kesehatan, subsidi perizinan serta keringanan pajak dan pinjaman.
REGENERATIVE CITIES: ECONOMIC MODELS AND FINANCIAL STRATEGIES FOR SUSTAINABLE URBAN GROWTH Rahadi, Raden Aswin; Ria, Poeti; Hapsariniaty, Alia Widyarini; Fajar Afgani, Kurnia; Firmansyah Hakam, Dzikri
Tata Kota dan Daerah Vol. 17 No. 2 (2025): Jurnal Tata Kota dan Daerah
Publisher : Department of Urban and Regional Planning, Faculty of Engineering, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.takoda.2025.017.02.9

Abstract

As urbanization accelerates amidst the escalating climate crisis, the paradigm is shifting from reactive to proactive response through regenerative urbanism. However, while the technical and ecological foundations are standardized, the economic pathways, especially in developing economies, are fragmented. This study bridges that gap by synthesizing foundational theories with recent empirical evidence (2022 – 2025) to construct a cohesive strategic framework for financing regenerative cities. Findings indicate that regenerative urbanism has evolved from a theoretical ideal into a pragmatic economic strategy applicable across diverse urban contexts. By leveraging advanced technological tools—such as AI-assissted spatial analysis and standardized valuation models—cities can now quantify and monetize “hidden” ecosystem services, transforming them into bankable assets that attract global institutional investment. Both external and internal financial instruments, such as Green Bonds and Land Value Capture (LVC), are proven applicable towards diverse urban contexts. Crucially, the research emphasizes on strong alignment between financial innovation and regulatory framework to ensure a successful regenerative urbanism transition. Policymakers must harmonize regulatory frameworks to resolve policy incoherence, ensuring that regenerative initiatives achieve substantive outcomes rather than mere procedural compliance. Ultimately, this study positions regenerative cities not just as ecological necessities, but as competitive, self-sustaining economic hubs for the future.
Evaluating the Socio-Economic Effects of Fly Ash and Agricultural Waste on the Construction Sector Irwanda Laory; Januarti Jaya Ekaputri; Andri Kusbiantoro; Raden Aswin Rahadi; Davin H. E. Setiamarga; Augusta Adha; Kurnia Fajar Afgani
Journal Integration of Management Studies Vol. 2 No. 2 (2024)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v2i2.232

Abstract

The building industry significantly impacts environmental degradation due to its reliance on conventional materials such as cement and concrete, which are associated with high carbon emissions and substantial energy consumption. This study explores the socio-economic impacts of substituting fly ash and agricultural waste for traditional construction materials. A comprehensive review of 50 peer-reviewed papers, industry reports, and online sources reveals that these alternative materials offer considerable benefits. Cost savings average between 15% and 20%, driven by reduced material costs and lower disposal requirements. Environmentally, using fly ash and agricultural waste significantly reduces greenhouse gas emissions, with fly ash cutting emissions by approximately 25% and agricultural waste by about 20%, primarily due to decreased energy consumption. Furthermore, technical assessments show that these materials enhance the strength and durability of concrete, meeting or exceeding conventional standards. The study also highlights broader socio-economic advantages, including support for rural economies through new markets for agricultural by-products and job creation in recycling and construction sectors. These findings suggest integrating fly ash and agricultural waste into construction practices can positively impact economic growth and environmental sustainability. However, the study acknowledges limitations such as reliance on secondary data and potential geographic biases. Future research should prioritize original data collection, long-term performance assessments, and investigation of regional material-use variations. This study underscores the practical and environmental benefits of incorporating these sustainable materials, contributing to a more eco-friendly construction industry.
A Financial Feasibility Study of New Product Line Healthy Children Food Business: Case Study of Lil'bites Fairuuz Fawwas Alfarizi Tantuayo; Kurnia Fajar Afgani
Journal Integration of Management Studies Vol. 2 No. 2 (2024)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v2i2.251

Abstract

Based on data from the Indonesian Nutrition Status Survey (SSGI) in 2022, 21.6% of Indonesian children suffer from wasting 7.7%. A disorder known as "wasting" in children occurs when their weight falls till it is higher than what is considered normal for their age. For children's growth and well-being, they must consume enough fruits. Although fruits provide vital vitamins and minerals that boost immunity and general health, many kids dislike them because of their flavor, texture, or inexperience with new meals. Lil'Bites, a startup focusing on children's health, sees this opportunity to create kid-friendly fruit jams as a viable approach to ensuring kids consume enough fruits. This research aims to assess the financial feasibility of developing a new product line, which is a healthy jam for kids, using a quantitative approach, utilizing company data as primary data and data from similar companies as secondary data. The study will evaluate the payback period, net present value (NPV), and internal rate of return (IRR) and assess risk through sensitivity analysis. The results based on the base scenario indicate that the Lil'Bites new product line project is financially feasible, resulting in a payback period of 1.9 years, an NPV of IDR401,807,628, and an IRR of 54.94%, which is significantly higher than the WACC of 9.36%.
Selective CAPEX-to-OPEX Transformation in Electricity Infrastructure Asset Management: Financial Trade-offs and Governance Implications for PT PLN (Persero) Arie Wibowo; Muhammad Khadafi; Raden Aswin; Kurnia Fajar Afgani; Radia Purbayati
Journal Integration of Management Studies Vol. 4 No. 1 (2026): Article In Press
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v4i1.518

Abstract

PT PLN (Persero) faces increasing pressure to expand and modernize electricity infrastructure while maintaining financial resilience, operational reliability, and technological adaptability. This study examines the strategic implications of selectively transforming infrastructure investment from capital expenditure (CAPEX)-based ownership toward operational expenditure (OPEX)-oriented arrangements. The study employed an integrated analytical design, combining documentary analysis, global benchmarking, financial scenario simulation, cost–benefit analysis, and regulatory assessment. The simulation assumes total investment requirements of Rp2,780 trillion for 2025–2034, a 2024 CAPEX baseline of Rp63.45 trillion, and the transfer of 70% of generation investment to Independent Power Producers while 30% of generation and 100% of transmission and distribution remain under PLN CAPEX. The results show a clear trade-off. Interest-bearing debt decreases by 6.75%, and the Debt Service Coverage Ratio increases by 3.8%, while OPEX rises by 24.88%, EBITDA declines by 36.99%, operating income by 7.63%, net income by 9.93%, ROA by 7.0%, and leverage increases by 48.1%. The cost–benefit analysis further shows that OPEX generates higher estimated ten-year benefits of Rp1,598.62 trillion than CAPEX at Rp726.45 trillion, whereas CAPEX produces a higher benefit–cost ratio of 17.01 than OPEX at 8.83. These findings indicate that OPEX should not be treated as a universal substitute for CAPEX. Instead, the optimal configuration is a selective portfolio in which OPEX or hybrid arrangements are applied to technologically dynamic and contractible assets, while strategically critical and long-lived infrastructure remains under direct ownership. The study contributes a contingent asset-governance perspective that integrates asset characteristics, financial consequences, risk allocation, and governance requirements in infrastructure investment decisions.
Co-Authors Adam Aliya Silmi Agil Krisna Rivanda Agil Krisna Rivanda Alda Ricederia Ali, Qaisar Andri Kusbiantoro Anggoro, Yudo Annisa Rizkia Syaputri Arie Wibowo Asep Darmansyah Astari, Airen Widhia Augusta Adha Ayudiatri, Safira Boediman, Alfred Davin H. E. Setiamarga Dematria Pringgabayu Desy Kharohmayani Dewi, Rahma Ilahi Sari Eko Susanto Fairuuz Fawwas Alfarizi Tantuayo Firmansyah Hakam, Dzikri Fitria Rahayu Khaerani Fitria Rahayu Khaerani Fitriana Dewi, Emilia Fitrianda, Saldy Hakam, Dzikri Firmansyah Halim, Robbyson Hanisfy, Ghanef Rayyan Hapsariniaty, Alia Widyarini Hifzhan Frima Thousani, Hifzhan Frima Indrayana, Gun Gun Irawan, Gendis Ayu Satiti Irwanda Laory Januarti Jaya Ekaputri Louis, Evannia Immanuel Marziana Madah Marzuki Marziana Marzuki Mega Fitriani Adiwarna Prawira Mirzanti, Isti Raafaldini Muhammad Khadafi Octaviani Ratnasari Santoso Pramuwidyatama, Muchammad Gumilang Purbayati, Radia Raden Aswin Raden Aswin Rahadi Radia Purbayati Radia Purbayati Radia Purbayati Rahadi, Raden Aswin Rasyad, Rafi Kennaufal Ria, Poeti Ricederia, Alda Ricederia, Alda Rivanda, Agil Krisna Satriani Siti Nurlaila Satriani Siti Nurlaila Septyandi, Chandra Budhi Subaryata, Subaryata Suryana, Marceilla Sutardi, Acip Syaputri, Annisa Rizkia Syifaa Novianti Tabina Azzahra Vincentia Yani Pujiwati Yunieta Anny Nainggolan, Yunieta Anny