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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.
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.