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All Journal Journal The Winners Prosiding Working Papers Series In Management Business and Entrepreneurial Review
Christiana Fara Dharmastuti
Universitas Katolik Indonesia Atma Jaya
Decision Sciences, Operations Research & Management Social Sciences

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Regional Financial Performance and Human Development Index Based on Study In 20 Counties/Cities of Level I Region Freska Gousario; Christiana Fara Dharmastuti
The Winners Vol. 16 No. 2 (2015): The Winners Vol. 16 No. 2 2015
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v16i2.1568

Abstract

This research aimed to know the financial performance of local government through regional financial ratio analysis, i.e. regional financial independence ratios, regional financial effectiveness ratios, regional financial efficiency ratios and regional expenditure harmony ratios,as well as analyzing the impact of regional financial performance against the Human Development Index (HDI).This research was conducted in 20 counties/cities in level I region. Analysis techniques used was multiple linear regression analysis with SPSS Statistics 21. The results shows that: (1) Ratio of regional financial independence contributes positive and significant effect to HDI, (2) Ratio of the regional financial effectiveness contributes no significant effect to HDI, (3) Ratio of regional financial efficiency contributes no significant effect to HDI, and (4) Ratio of regional financial harmony expenditure contributes no positive effect to HDI.
PERENCANAAN BISNIS SULAM ALIS “FEELTHEBROWS” Priscilla Pasaribu; Christiana Fara Dharmastuti
Prosiding Working Papers Series In Management Vol 10, No 1 (2018): Prosiding Working Papers Series In Management
Publisher : Prosiding Working Papers Series In Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (658.597 KB)

Abstract

Sulam alis “feelthebrows” is a business that do an eyebrow embroidery and located at East Jakarta. Feelthebrows is offering a service for eyebrow embroidery to fulfill what people need especially woman who wants to look more beautiful and appealing. Feelthebrows offer three variant of eyebrow embroidery, there are microblading, misty powder, and micropowder. The calculations NPV of this business for five years is Rp 2.305.694.328 and the result is positive, so its worth it to run this business. Keywords : eyebrow embroidery, service, woman
RENCANA PENDIRIAN BISNIS BARU CUCI MOBIL “JOJO’S CLEAN” Joshua Radityo Adiwijaya; Christiana Fara Dharmastuti
Prosiding Working Papers Series In Management Vol 10, No 1 (2018): Prosiding Working Papers Series In Management
Publisher : Prosiding Working Papers Series In Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (630.065 KB)

Abstract

Jojo's Clean "car washing business is a car washing business with the vision of" Makes the fastest car wash business that prioritizes customer satisfaction and convenience ". Jojo's Clean car wash business has the concept of "Quick clean" where customers can wash the car in just 15-20 minutes. Car wash process in Jojo's Clean is more safety than conventional car wash business, because it does not use hydraulics to minimize the fall of the car from the hydraulic top due to broken hydraulic rod. The car wash process is carried out by directing the customer's car coming to the washing spot that has been provided, then it will be cleaned by "Jojo's Clean" employees and rinsed using a rinse machine. After the flushing stage, then the customer's car was directed to the parking lot that has been provided for drying. The price is set for a car wash of Rp 50,000 per car and the initial capital needed to set up this business is Rp 585,000,000. Based on the results of the business feasibility analysis, the NPV generated amounted to Rp 898,959,050, the payback period was estimated for 3 years 3 months 6 days, and the profitability index generated by 3.05. Keywords : car wash process, Cibubur and its surrounding, fastest car wash business, middle and upper society, Cibubur and its surroundings, quick clean.
ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL) TERHADAP KINERJA PERBANKAN (ROA) PADA PERUSAHAAN PERBANKAN PERIODE 2015-2016 Sheilla Sheilla; Christiana Fara Dharmastuti
Prosiding Working Papers Series In Management Vol 10, No 1 (2018): Prosiding Working Papers Series In Management
Publisher : Prosiding Working Papers Series In Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (629.514 KB)

Abstract

The bank must have good health and improve its performance in order to gain the trust of the community. The rating of bank soundness is regulated by Bank Indonesia called RGEC method (Risk Profile, Good Corporate Governance, Earnings, Capital). Therefore, this study aims to analyze bank soundness with RGEC method using NPL, GCG, OER, CAR, and bank book category as a moderating variable to banking performance (ROA). This research uses quantitative approach with multiple regression analysis method. The data used are secondary data from 66 banks operating in Indonesia during the period 2015-2016. Analysis of panel data using SPSS. The result is that all independent variables have no significant effect on ROA except OER variable and book category of bank does not moderate NPL, GCG and CAR relationship to ROA but moderate OER relationship to ROA.Keywords: Non Performing Loans, Good Corporate Governance, Operational Efficiency Ratio, Capital Adequacy Ratio, Return on Assets, RGEC, Bank soundness.
Consistency of Mobile Payment Usage, Performance, and Financial Inclusion Christiana Fara Dharmastuti; Stevanus Pangestu; Teresia Angelia Kusumahadi
Business and Entrepreneurial Review Vol. 22 No. 2 (2022): October
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (529.993 KB) | DOI: 10.25105/ber.v22i2.14179

Abstract

The development of financial technology impacts different human lives, including business processes. The public increasingly favors mobile payment as a fintech application because of its practicality, ease, and speed. In addition, its application could improve business performance and financial inclusion for business people. This study aims to analyze the consistency of mobile payment usage that will impact tenant performance and financial inclusion, influenced by perceived risk, perceived benefit (return), and brand image of mobile payment. The sample used in this study consisted of 338 respondents who are business people in the Jabodetabek area who use mobile payments.The results showed that perceived benefit and image influence business people to consistently use mobile payments in their business, which will impact business performance and increase their financial inclusion.The managerial implication for fintech companies is to maintain product quality and the benefits of mobile payments. People often ignore the risks of using mobile payments, so fintech companies mustmaintain their performances in terms of information, fraud, and speed of response to reduce consumer risks.
Co-Authors Freska Gousario Joshua Radityo Adiwijaya Priscilla Pasaribu Sheilla Sheilla Stevanus Pangestu Teresia Angelia Kusumahadi