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All Journal Jurnal Keuangan dan Perbankan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) Journal of Islamic Monetary Economics and Finance Prosiding Temu Profesi Tahunan PERHAPI Management Studies and Entrepreneurship Journal (MSEJ) International Journal of Emerging Issues in Islamic Studies Priviet Social Sciences Journal IIJSE
Taufik Faturohman
Master Of Business Administration, School Of Business And Management, Institut Teknologi Bandung, Jl. Ganesha No. 10, Bandung 40132, Indonesia
Religion Chemical Engineering, Chemistry & Bioengineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Credit Card Cue Effect: Debt-Related Thought as Mediating Variable of Credit Card Cues and Spending Agustion Suhada; Taufik Faturohman
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 2 (2024): April
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i2.5332

Abstract

This study aims to examine the relationship between credit card cues, credit card associations (especially debt-related thought), and spending behavior in Indonesia. The data were collected through an online survey with 400 respondents and analyzed using PLS-SEM. The result showed that credit card cue has significant positive correlation to debt-related thought. Debt-related thought has no significant correlation to spending. Credit card cue has significant positive correlation to spending. Debt-related thought is not able to moderate credit card cues on spending which refers to direct only mediation.
The Demographical Analysis of Indonesian Young Adults' Financial Anxiety Abbya Pratiwi Ramadhani; Taufik Faturohman
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 2 (2024): April
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i2.5352

Abstract

This study aims to understand what causes financial anxiety among Indonesian Young Adults in terms of demographical. A survey from 400 respondents was collected through an online questionnaire from July to August 2023 and analyzed using descriptive statistics, and continued by using Kruksal Wallis and Mann Whitney U to test whether there is a statistically significant difference between two or more independent variables. The result of this study found that there are no significant differences in gender and income in financial anxiety, but there are significant differences in educational level and occupation in financial anxiety. Individuals with only a high school degree as their educational background, and unemployed individuals have higher levels of financial anxiety than other groups.
The Demographical Analysis Of Indonesian Buy-Now-Pay-Later Users Financial Wellbeing Daffa Kenian Irsya; Taufik Faturohman
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 4 (2024): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i4.6597

Abstract

This study aims to understand what causes financial wellbeing among Indonesian Buy-Now-Pay-Later Users in terms of demographical. A survey from 400 respondents was collected through an online questionnaire from January to June 2024 and analyzed using descriptive statistics, and continued by using Kruksal Wallis and Mann Whitney U in SPSS to test whether there is a statistically significant difference between two or more independent variables. This study is confirmed as the study demonstrates that demographic factors significantly influence financial well-being. These insights emphasize the importance of considering demographic variables when assessing financial health and tailoring financial education, policy-making, and service provision to effectively address the diverse needs of different demographic groups.
Investment Project Analysis For Offshore Complex Hydrocarbon Field Using Winiarti; Taufik Faturohman
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i4.8260

Abstract

This research is conducted with the following objectives evaluate the feasibility of developing oil and gas fields based on the application of new production techniques in multi-phase fluid reservoirs, to enalyze the primary parameters that distinctly impact the project’s NPV and IRR through sensitivity analysis, to estimate the probability of deficient NPV outcomes through Monte Carlo simulation which applies uncertainty in prices, production, and costs against a scenario of negative NPV, and to evaluate the value of advanced contractor pays as a result of the modified gross split contract in improving the overall project NPV. A quantitative research design is the type of research used in this study. The study finds that the feasibility of developing the GLB Field using advanced production techniques in multi-phase fluid reservoirs is limited under current conditions due to high financial uncertainty. Sensitivity analysis reveals that oil prices, production volumes, and capital expenditures are the primary drivers of NPV and IRR fluctuations. Monte Carlo simulation further confirms a significant probability of negative NPV outcomes, highlighting the project's vulnerability to market volatility. However, modifying the Gross Split PSC to include an additional contractor split substantially improves NPV expectations, indicating that a more flexible fiscal framework can enhance the project's commercial viability.
Turning A Burden Into Opportunity: A Strategic Scenario For Addressing Blue Oilfield’s Economic And Operational Challenges Alberridho S. Effendi; Taufik Faturohman
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i4.8264

Abstract

This study evaluates an internally developed strategic scenario aimed at revitalizing the Blue Oilfield, an offshore oil and gas field operated by Pertamina Hulu Energi Offshore South East Sumatra (PHE OSES), which currently facing high operating costs and declining production. Despite these challenges, the field remains economically promising. The proposed solution emphasizes renegotiation of Production Sharing Contract from Gross Split to Cost Recovery, cost optimization in surface facilities, selective reinvestment in drilling new infill wells, idle well reactivation, and workovers. The economical calculation of the proposed strategy was assessed through an integrated evaluation, combining capital budgeting, sensitivity analysis, and probabilistic modeling using Monte Carlo simulations. The findings reveal a strong financial outlook, with high Net Present Value (NPV) and consistent performance contract period. These results suggest that, with the right operational and contractual shifting, the Blue Oilfield has the potential to transition from a financial burden into a productive and value-added asset. This paper offers both a decision-making tool for stakeholders and a replicable model for similar brownfield revitalization efforts in Indonesia’s upstream sector.
Feasibility Study of Investment in New Conveyor Facility for CHF Supply Power Plant ABC PT XYZ Riana Muhammad Sutandar; Taufik Faturohman
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7289

Abstract

PLTU ABC is a coal-fired steam power plant that receives its coal supply from PT XYZ. At present, coal delivery relies on a single conveyor system with a capacity of 1,200 tons per hour. Since PT XYZ supplies coal based on the power plant’s demand, the conveyor must remain operational 24 hours a day. Any unplanned maintenance on the conveyor can disrupt supply and result in lost electricity production. Monthly coal delivery targets have been established, necessitating alternative delivery methods in case the conveyor system fails. Three alternative solutions have been identified: leasing a temporary conveyor, investing in a new conveyor system, or switching to direct coal delivery via trucks. The capital expenditure estimates are based on historical purchase data, adjusted for inflation over the past five years. The financial analysis indicates that direct truck delivery offers the highest return on investment and stronger cash flow compared to either leasing or constructing a new conveyor system. The project’s financial metrics include a Net Present Value (NPV) of IDR 51.22 billion, an Internal Rate of Return (IRR) of 60.13%, a Modified Internal Rate of Return (MIRR) of 24.54%, and a payback period of 1.55 years. Further validation using sensitivity analysis, scenario analysis, and Monte Carlo simulations showed that the probability of achieving a positive NPV (NPV > 0) is 65%. Based on these findings, it is concluded that direct delivery by trucks is more financially viable than investing in or leasing conveyor facilities.
Analysis Of Key Factors Influencing Behavioral Intention To Adopt Cryptocurrency In Indonesia: A Demographic Perspective I Gede Artha Juan Christian Lie; Taufik Faturohman
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 1 (2025): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i1.6912

Abstract

This study examines the key factors influencing the behavioral intention to adopt cryptocurrency in Indonesia from a demographic perspective. Utilizing descriptive statistics and non-parametric tests such as the Mann-Whitney U Test and Kruskal-Wallis Test, the research analyzes how gender, age, educational level, and occupation impact individuals' perceptions and intentions regarding cryptocurrency adoption. The findings reveal significant differences across these demographic groups, particularly in areas such as financial literacy, perceived risk, social influence, and awareness. Males, younger individuals, and those with higher education levels or finance-related occupations exhibit a stronger intention to adopt cryptocurrency, driven by lower perceived risks and higher financial literacy. Conversely, females, older adults, and those with lower education levels show more hesitation, primarily due to higher perceived risks and lower awareness. The study underscores the need for targeted educational initiatives and policy interventions to address these demographic disparities and promote a more inclusive adoption of cryptocurrency in Indonesia. These insights are crucial for developing effective strategies to support the growth of cryptocurrency as part of the digital economy.
Financial system transformation and growth strategy: A case study of inartgrity's sustainable expansion preparation Anchilia Alexandra; Taufik Faturohman
Priviet Social Sciences Journal Vol. 6 No. 2 (2026): February 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i2.1103

Abstract

INARTGRITY, an education center based in Kelapa Gading, Jakarta, Indonesia, is nearing full capacity and plans to expand by opening a second branch in the near future. This study evaluates company readiness, project feasibility, and strategic recommendations for long-term sustainability, supported by risk management, and an implementation plan. Readiness is assessed using the RBV, VRIO, and financial ratio analyses. The expansion is modelled under two alternatives: buying or renting a commercial house. The buy option requires an initial investment of IDR 5,185,000,000 with a 12,52% discount rate over a 10 years horizon, while the rent option requires IDR 985,000,000 with an 11,57% discount rate over 5 years. Discounted cash flow analysis is used to compute NPV, PBP, IRR, PI, and ANPV, complemented by sensitivity analysis and Monte Carlo simulation to identify key drivers and the probability distribution of the NPV. The buy option yields NPV IDR 3,571,624,197, IRR 21,34%, PI 1,36, PBP 7 years 10 months, and ANPV IDR 645,679,440. The rent option yields NPV IDR 1,743,809,195, IRR 44,75%, PI 2,77, PBP 3 years 2 months, and ANPV IDR 478,293,264. Although buying provides a higher ANPV, renting is recommended because it offers a much higher IRR and PI, faster payback, lower initial capital, and remains robust under sensitivity and simulation, with approximately 99% probability of a positive NPV.
Financial Performance And Stock Valuation: An Analysis Of PT FKS Food Sejahtera Tbk Post-Acquisiton Tanti Kurnia Sutanto; Taufik Faturohman
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 5 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/s4n95s73

Abstract

This study explores the financial performance and market valuation of PT FKS Food Sejahtera Tbk (FFS, IDX: AISA), formerly PT Tiga Pilar Sejahtera Food Tbk, following its acquisition by FKS Group. The research is motivated by the gap between the company’s improving fundamental performance and declining market price, which raises questions about valuation efficiency, information asymmetry, and optimal capital allocation. The study uses a qualitative methodology consisting of Discounted Cash Flow (DCF) model based on Free Cash Flow to the Firm (FCFF), relative valuation using Price to Earnings and Price to Book multiples benchmarked against average food manufacturing peers, and sensitivity analysis across WACC and plausible terminal growth assumptions. The fundamental analysis indicates consistent operational improvement period 2021–2025, along with consistent revenue growth. Despite these improvements, DCF and relative valuation confirm significant market gap. The DCF model yields an intrinsic value of IDR 234 per share against a prevailing market price of IDR 134 representing a discount of approximately 43% to intrinsic value with a margin of safety validated across all sensitivity scenarios. To address this gap, the study develops three share buyback scenarios using a fixed-price tender offer mechanism. The study concludes that FFS exhibits the characteristics of a value recovery situation requiring both a credible shareholder return mechanism and sustained investor relations initiatives to reduce the persistent market discount
Co-Authors Abbya Pratiwi Ramadhani Agustion Suhada Alberridho S. Effendi Anchilia Alexandra Arienka Prilitaningtyas Arson Aliludin Daffa Kenian Irsya Hasna Nabila Laila Khilfah I Gede Artha Juan Christian Lie Irfan Hassandi Muhamad Anindya Hiroshi Purbayanto Raden Aswin Rahadi Reni Romaulina Riana Muhammad Sutandar Rindawati Maulina Riza Zahrotun Nisa Saeful Aziz Salma Fadhilah Widityani Tanti Kurnia Sutanto Teguh Nugraha Wawan Dhewanto Winiarti Yulianti Yulianti Yulianti Yulianti Yunieta Anny Nainggolean