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All Journal MANAJEMEN HUTAN TROPIKA Journal of Tropical Forest Management Jurnal Pengelolaan Sumberdaya Alam dan Lingkungan (Journal of Natural Resources and Environmental Management) Prosiding Seminar Biologi Jurnal Akuntansi dan Pajak Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen AFEBI Management and Business Review JURNAL MANAJEMEN INDUSTRI DAN LOGISTIK Owner : Riset dan Jurnal Akuntansi Journal on Education JURNAL MANAJEMEN BISNIS Jurnal Ilmiah Edunomika (JIE) Jurnal Informasi dan Teknologi Jurnal Ekobis : Ekonomi Bisnis & Manajemen Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Ekonomi dan Bisnis Terapan Quantitative Economics and Management Studies Jurnal Studi Islam Lintas Negara (Journal of Cross-Border Islamic Studies) Jurnal Studi Ekonomi dan Bisnis Islam (SEBI) Daengku: Journal of Humanities and Social Sciences Innovation Jurnal Ekonomi Jurnal Kolaboratif Sains Journal of Social And Economics Research Jurnal Ilmu Pendidikan dan Sosial International Journal of Management and Business Economics Journal of Economic Education and Entrepreneurship Studies Nusantara Journal of Multidisciplinary Science Jurnal Pengabdian Masyarakat dan Riset Pendidikan Journal of Innovative and Creativity Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia International Journal of Economics, Accounting, and Management journal of social and economic research JAS (Jurnal Akuntansi Syariah) Journal of Digital Business Innovation Atestasi : Jurnal Ilmiah Akuntansi Indonesian Journal of Business and Entrepreneurship Research INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) IJEMA
Irsyad Kamal
Universitas Padjadjaran
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Transportation Other

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Metode Penilaian Startup: Systematic Literature Review atas Pendekatan Finansial dan Non-Finansial Irsyad Kamal
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.7898

Abstract

Determining startup valuation is an important aspect of investment decision-making and business strategy, but faces challenges such as limited financial data and market uncertainty. This study used Systematic Literature Review (SLR) to analyze 169 articles from Scopus (2015-2025), and selected 17 studies to examine startup valuation models. The results show that financial approaches, such as DCF and VCM, are more effective for startups with stable revenue, but less relevant for early-stage startups. On the other hand, non-financial approaches, such as Berkus and Scorecard Method, are more widely used for early-stage startups that do not yet have a strong financial track record. Technological innovations such as AI and machine learning are also being applied to improve valuation accuracy. This research suggests that a combination of financial and non-financial approaches is more effective and highlights the research gap in the integration of both approaches, as well as the valuation of blockchain and digital asset-based startups.
ANALISIS KUALITAS LAYANAN GRAB MENGGUNAKAN CHECK SHEETS DAN FISHBONE DIAGRAM Desty Hapsari Kirana; Irsyad Kamal; Muhammad Aqshel Revinzky; Rd. Rifqi Dwisanto; Andreas Recki Prasetyo
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 6 (2025): Desember 2025 - Januari 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk menganalisis kualitas layanan Grab di Indonesia berdasarkan ulasan pengguna selama enam bulan terakhir, menggunakan check sheet untuk mengidentifikasi kategori masalah utama dan fishbone diagram untuk menggali akar penyebabnya. Hasil analisis menunjukkan bahwa keluhan paling dominan berasal dari masalah pengemudi, proses operasional, dan aplikasi, yang berkontribusi terhadap ketidakpuasan pelanggan. Pengemudi yang kurang terlatih dan masalah teknis pada aplikasi menjadi penyebab utama keluhan, diikuti oleh masalah terkait pengiriman yang terlambat. Berdasarkan temuan ini, penelitian merekomendasikan peningkatan pelatihan pengemudi, perbaikan kestabilan aplikasi, dan penyempurnaan proses pemesanan dan pengemasan. Namun, penelitian ini memiliki keterbatasan terkait data yang bersifat subjektif, sehingga riset di masa depan perlu memperluas periode waktu dan menggunakan metode analisis yang lebih mendalam untuk mendapatkan gambaran yang lebih lengkap tentang kualitas layanan Grab.
BAD DEBTS IN BANKING: MANAGEMENT AND PREVENTION STRATEGIES Hety Devita; Irsyad Kamal; Lukman Hakim
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 4 (2025): APRIL
Publisher : Adisam Publisher

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Abstract

This research produced key findings related to the causes, handling, and preventive efforts of non-performing loans. The analysis revealed that the main causative factors are the debtors' inability to manage their finances and economic fluctuations. This inability is often caused by miscalculations or a sudden drop in income, such as a decline in business sales or job loss. Conversely, economic turmoil such as inflation, high interest rates, or recession also exacerbates the situation, making it difficult for debtors to meet payment obligations. Dealing with non-performing loans requires a layered approach that is customized, depending on the specific conditions of the debtor and creditor. One effective method is loan restructuring, which involves modifying the terms and conditions of the loan to make it more affordable for the debtor. In addition, asset seizure and liquidation is also a last resort to reduce losses for creditors. Enforcement of credit risk management through stricter evaluation of creditworthiness and utilization of advanced technology is also important to minimize the risk of future non- performing loans. For the prevention of non-performing loans, continuous financial education and good communication with debtors are essential first steps. Financial education programs can help individuals and businesses understand better financial management, while proactive communication between lenders and borrowers provides early warning of potential financial problems. In addition, the implementation of stricter credit policies and closer monitoring of creditor performance are also important steps in the prevention of non-performing loans before the problem becomes unmanageable. Overall, the handling and prevention of non-performing loans requires good coordination and a comprehensive approach from various relevant parties. Lenders need to develop more sophisticated procedures and tools for risk evaluation and management, while borrowers need to be adequately educated on financial management. With these collective efforts, the risk of non-performing loans can be minimized and financial stability at the micro and macro levels can be better ensured.
Entrepreneurial Skills and Financial Access: The Mediating Role of Entrepreneurship Education in Shaping Entrepreneurial Interest Kamal, Irsyad; Rafiah, Kurnia Khafidhatur; Diarra, Salim
Indonesian Journal of Business and Entrepreneurship Research Vol. 3 No. 1 (2025): Vol. 3, No. 1, January 2025: Indonesian Journal of Business and Entrepreneurshi
Publisher : Department of Business and Entrepreneurship, Faculty of Economics and Business, Universitas Negeri Makassar

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Abstract

Student entrepreneurial interest is very important to encourage economic growth through job creation. This study aims to analyze the effect of entrepreneurial skills and access to capital on entrepreneurial interest with entrepreneurship education as a mediating variable in Universitas Padjadjaran students. The research method used is quantitative with explanatory descriptive design. Data were obtained using a closed questionnaire distributed digitally through Google Form with a Likert scale to students, then analyzed using path analysis techniques to test the direct and indirect effects between variables. The results showed that entrepreneurial skills have a significant direct effect on entrepreneurial interest and entrepreneurship education. Entrepreneurship education is also proven to have a significant effect on entrepreneurial interest. However, entrepreneurship skills have no significant effect indirectly through entrepreneurship education, while access to capital has no significant effect either directly or indirectly. This study highlights the importance of developing entrepreneurial skills and strengthening practice-based entrepreneurship education programs to increase students' interest in becoming entrepreneurs. Support in the form of relevant training is also recommended to enrich students' skills in starting and running a business.
Perumusan Strategi Bisnis Menggunakan Pendekatan Business Model Canvas (Studi Pada PT Mojadi Aplikasi Indonesia) Nasya Anggia Putri Napitupulu; Irsyad Kamal
Indonesian Journal of Economics Management and Accounting Vol. 1 No. 1 (2024): IJEMA - Januari 2024
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Dalam era teknologi yang sudah semakin canggih dan modern, sudah muncul banyak inovasi bisnis yang mempermudah dan menyederhanakan pekerjaan manusia dalam kehidupan sehari-hari. Inovasi dalam setiap sektor bisnis menciptakan persaingan pasar yang ketat. Hal yang sama terjadi dalam sektor pendidikan. PT Mojadi Aplikasi Indonesia berdiri pada tahun 2020 yang sehingga tergolong baru dan harus bertahan dalam persaingan yang ketat dengan stratup edukasi lainnya yang sudah lebih populer dan dikenal oleh banyak orang. Penelitian ini bertujuan untuk membantu PT Mojadi Aplikasi Indonesia dalam menganalisis business model canvas, dan menyusun strategi bisnis untuk PT Mojadi Aplikasi Indonesia Penelitian ini berjenis kualitatif dengan metode wawancara dan menggunakan 3 narasumber dari PT Mojadi Aplikasi Indonesia untuk menganalisis business model canvas, dan setelah mendapatkan informasi, setiap blok BMC akan dianalisis dengan SWOT dan dihitung bobotnya menggunakan matriks IFAS dan EFAS. Hasil dari semua penelitian ini menyimpulkan bahwa posisi PT Mojadi Aplikasi Indonesia berada pada kuadran I dengan skor internal 3,25 dan skor eksternal 3,18. Hal ini menunjukkan bahwa strategi yang tepat adalah Grow and Build dimana perusahaan melakukan penetrasi pasar, pengembangan produk, dan pengembangan pasar.
Liquidity Risk Management in Corporate Finance: Strategies for Financial Resilience Adzka Rosa Sanjayyana; Irsyad Kamal; Muhammad Rispan Affandi; Medeilia Bernike Br Ginting; Abdul Rosid
Jurnal Informasi dan Teknologi 2025, Vol. 7, No. 2
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jidt.vi0.677

Abstract

Liquidity risk management is one of the crucial aspects in maintaining the operational continuity and financial stability of companies. This study aims to explore various strategies employed by Indonesian companies in managing liquidity risk, as well as their impact on financial resilience. The main focus of this research includes cash flow management, financing source diversification, technology utilization, debt management, and the use of hedging strategies. The research findings show that companies with effective liquidity management strategies, such as the use of cash flow projections and cloud-based technology, are more resilient in uncertain market conditions. Furthermore, financing diversification through revolving credit, capital markets, and equity provides flexibility in accessing the necessary funds during liquidity crises. Managing debt with a balance between short-term and long-term debt also plays an important role in reducing liquidity pressure. On the other hand, hedging against exchange rate and interest rate fluctuations using derivative instruments helps companies mitigate external risks that could affect their liquidity. The study concludes that the implementation of these strategies is essential in maintaining liquidity stability and the competitiveness of companies in the face of global economic challenges. Therefore, companies need to develop adaptive and sustainable liquidity management policies to face future economic uncertainties.
Co-Authors A. Malik Fajar Abdul Rosid Adhadian Akbar Adi Putra Adinugroho, Wahyu Catur Adzka Rosa Sanjayyana Agung Anggara Rudini Agus Santoso Amalis Karisma Amaliya Shofiana Andi Salamah Andreas Recki Prasetyo Anindita Nirkin Maheswa Aprih Santoso Arida Susilowati Iswanto Arif Rahman Ariyanto M Arrofaha, Nawwall Asyifa Anandya Athallah, Muhammad Ariq Baiq Farhatul Wahidah Bastanta Prawira Tarigan Cakranegara, Pandu Adi Carmeline, Benedicta Christina Cattleya Rejito Chitra Indah Sari Choeriyah, Siti CNAWP, Rizal Perlambang Cuk Jaka Purwanggono Darmawanto Darmawanto Deru R Indika (Universitas Padjadjaran - Indonesia) Desty Hapsari Kirana DEWI SARTIKA Diarra, Salim Dj, Arifhan Ady Etty Susilowati Farhany Richas Fathimah Azzahra Rahadian Fifi Gus Dwiyanti Fitria Sari Hapsari Widayani Hasan Basri Hety Devita Hety Devita ISKANDAR ZULKARNAEN SIREGAR Iwan Setiawan Jamaludin, Endang Johnny Chandra Joval Ifghaniyafi Farras Judijanto, Loso Komalasari, Ika Kurnia Khafidhatur Rafiah Kurnia Khafidhatur Rafiah KUSUMADEWI SRI YULITA Latifa Mischa Saqina Layyinaturrobaniyah Lukman Hakim Lukman Hakim M. Aqshel Revinzky M. Chairul Ihsan Medeilia Bernike Br Ginting Miradji, Moh. Afrizal Miswari Miswari Muhamad Aqshel Revinzky (Universitas Padjadjaran - Indonesia) Muhammad Aqshel Revinzky Muhammad Aqshel Revinzky Nizar Muhammad Hisyam Nadhir Muhammad Rispan Affandi Muhammad Rizki Perdana Nasya Anggia Putri Napitupulu Nur Hayati Pandu Adi Cakranegara Prihastuti, Asepma Hygi Putra, Agus Rachmat, Henti Hendalastuti Rahlana Shidiq Azqar Ratih Pratiwi Rd. Rifqi Dwisanto Rini Armin Riri Cornellia Rizkiati Khasanah Rizky Ramadhan Rosari, Renya Safaruddin Saipul Al Sukri Siska Yuli Anita Sonia Sischa Eka Putri Sulwani Husna Afrizal Sunu Widianto Supriyanto Susila, Susila Susilo Surahman Syaputra, Dhika Tuti Dharmawati Tuti Dharmawati Ubbadul Adzkiya' Yudi Azis Zet Ena