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THE EFFECT OF RISK BASED BANK RATING ON FIRM VALUE Dadan Rahadian; Artiar Anjani Handono
TRIKONOMIKA Vol 21 No 1 (2022): June Edition
Publisher : Faculty of Economics and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (276.904 KB) | DOI: 10.23969/trikonomika.v21i1.4303

Abstract

Bank Indonesia has transforms since 1746 influenced various policies issued by Bank Indonesia, one of which is the policy of assessing the soundness of banks. This policy underwent a change which was originally based on CAMEL, until now it became RBBR. This policy is made to assess the performance of banking institutions which will have an impact on the value of the company. Using panel data regression with a total sample of 15 foreign exchange banks for 5 years of research, this study found that the ratios of RBBR are LDR, PDN, NPL, GCG, ROA, NIM and CAR together have a considerable influence on the value of the company as proxied by Tobin's Q of 76.61%, capital being a variable has a positive and significant effect on firm value.
Analysis of digital wallet acceptance factors and market potentials among college students Rama, Adilla Meitri; Rahadian, Dadan
BISMA (Bisnis dan Manajemen) Vol. 15 No. 1 (2022)
Publisher : Universitas Negeri Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/bisma.v15n1.p1-19

Abstract

One of the fintech products is a digital wallet, an electronic money service in the form of a mobile application that can use for payment transactions. This study aims to determine the acceptance factor and potential of the digital wallet market by university students. The theory used in this study is the UTAUT2 model, with performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), hedonic motivation (HM), price value (PV), habit (HA) as the independent variables. Meanwhile, behavioural intention (BI) and use behaviour (UB) are dependent variables. The population in this study were all university students, while the sample was 400 people. This study collected data by distributing online questionnaires. The sampling technique used is random sampling, and the data analysis technique used is PLS-SEM with the help of SmartPLS 3.2.9 software. This study proves that the influence of the independent variables on the dependent variables is significant. In contrast, the variable effort expectancy (EE), social influence (SI), facilitating conditions (FC), and hedonic motivation (HM) were weak predictors of behavioural intention (BI). The results of this study are supposed to be useful for government and digital wallet companies to improve the market potential level of digital wallets by optimising the function of the factors that affect the use of the digital wallet. In contrast to other studies, this study investigates all the many kinds of digital wallets that operated in Indonesia, which becomes the novelty of this research.
Pengembangan Aplikasi Pencatatan Keuangan pada Desa Wisata Karang Sidemen dalam Upaya Peningkatan Potensi Perekonomian Daerah Frima, Mariana; Firli, Anisah; Rahadian, Dadan; Rikumahu, Brady; Romadhony, Ade
Jurnal Pengabdian Masyarakat Akademisi Vol. 3 No. 3 (2024)
Publisher : Jurnal Pengabdian Masyarakat Akademisi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/jpma.v3i3.1034

Abstract

Desa Wisata Karang Sidemen merupakan salah satu desa di Kabupaten Lombok Tengah, Kecamatan Batukliang Utara. Desa ini memiliki berbagai destinasi wisata unggulan yaitu Danau Biru, Taman Hutan Raya Nuraksa, Glamping Lembah Surga, Lembah Gaharu, Penimproh datu bajang, Pemandian Awet Muda Nyeredet, dan River Tubing. Namun, hasil observasi menunjukkan bahwa pengelolaan yang dilakukan oleh pengelola dirasa belum maksimal dan belum siap untuk menghadapi transformasi digital sehingga membatasi cakupan pasar wisatawan yang berkunjung. Maka dari itu, studi ini dilakukan untuk membahas upaya yang telah dilakukan untuk mendukung proses transformasi digital melalui program digitalisasi keuangan, karena pengembangan desa ini dirasa potensial, terutama dengan dengan predikat sebagai desa wisata. Berdasarkan hasil dari kegiatan ini dapat disimpulkan bahwa peningkatan peran teknologi e-wallet yang telah dilakukan masih merupakan tahapan persuasi atau tahapan kedua dari model bauran teknologi (Rogers, 1983). Dalam haal proses transformasi digital, masyarakat masih akan membutuhkan bantuan lanjutan untuk mendukung tahapan 2, yaitu penguasaan teknologi (Haryanti et al., 2023). Kedepannya akan diperlukan berbagai kegiatan kunjungan serupa untuk terus menerus membantu mengedukasi pelaku usaha desa wisata sehingga dapat sampai melewati tahapan selanjutnya dalam proses bauran teknologi dan transformasi digital.
The Influence Of Fintech And Digital Financial Services On Financial Inclusion Among Generation Z At Telkom University Rahadian, Dadan; Multarida, Nieda
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 7, No 3 (2023): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v7i3.8743

Abstract

Financial Technology (FinTech) in the field of finance is currently being embraced by all segments of society, including Generation Z. This study aims to examine the influence of Financial Technology and Digital Financial Services on Financial Inclusion. Financial Technology and Digital Financial Services are investigated based on several factors, including Behavioral Intention (BI), Social Influence (SI), Service Trust (ST), and Usability (UB). The research employs a quantitative research method, collecting data through questionnaires. The study population consists of students from Telkom University, particularly those from the 2019 to 2022 cohorts, belonging to the Generation Z category. The sample size for this study is 400 respondents. The collected data is analyzed using the Partial Least Square-Structural Equation Model (PLS-SEM), utilizing the software SmartPLS 3. The factors that serve as the approach for FinTech and Digital Financial Inclusion in this research are interconnected with each other. Therefore, the results of this study demonstrate that FinTech and Digital Financial Institutions have a positive and significant influence on Financial Inclusion.
Indonesian Sharia Fintech Peer to Peer (P2P) Lending Business Model Fikar, One Yusril; Rahadian, Dadan; Krisnawati, Astrie
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 4 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v3i4.11974

Abstract

This study examines the business model of sharia P2P lending fintech in Indonesia by utilizing the Business Model Canvas (BMC) and Value Design Model (VDM) frameworks. The research aims to provide insights into how sharia fintech companies in Indonesia are structured, focusing on key elements such as value propositions, revenue streams, and customer segments. The study involves three sharia P2P lending companies—ES, PS, and AS—and analyzes their business models through qualitative methods. Key findings highlight the importance of sharia-compliant, transparent, and flexible financing to build customer trust, alongside partnerships with sharia banks, tech providers, and communities. The sector’s growth is driven by targeting customers with stable incomes and familiarity with sharia principles, but challenges remain in financial literacy and regulatory support. Recommendations include product innovation (e.g., wakaf or zakat-based financing), expanding digital channels, and improving operational efficiency to ensure sustainable growth.
Sharia Fintech Securities Crowdfunding (SCF) Business Model Budi Prasetyo, Rifqi; Rahadian, Dadan; Krisnawati, Astrie
International Journal of Science, Technology & Management Vol. 6 No. 1 (2025): January 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i1.1231

Abstract

The growth of the sharia economy, especially in the Securities Crowdfunding (SCF) sector, is increasingly in demand because it offers a fair financial concept. This great potential encourages startups to establish sharia-based SCF companies, such as LBS Urun Dana. However, the main challenge is the lack of public understanding of the sharia SCF business model, which often creates negative perceptions, especially among MSMEs and investors. This study aims to describe the LBS Urun Dana business model using the Business Model Canvas and Value Design Model approaches, and to analyze the strengths of sharia SCF as a driver of industrial growth in Indonesia. The method used is qualitative with data collection techniques through interviews and documentation, as well as descriptive and SWOT analysis. The results of the study show that LBS Urun Dana has integrated sharia principles comprehensively, with strong strategic partnerships and effective risk management. The focus on transparency, financial inclusion, and investor education strengthens public trust. Strengths in sharia SCF, such as solid partnership networks and sharia analysis competencies, are identified as the main factors for the growth of the sharia SCF industry in Indonesia.
Analisis Pengukuran Kinerja Investasi PT. Taspen (Persero) dengan Menggunakan Metode Economic Value Added Karina Oktaviani; Dadan Rahadian
Jurnal Manajemen Maranatha Vol 13 No 2 (2014)
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jmm.v13i2.133

Abstract

Corporate performance measurement will indicate the condition of a company when running operational activities for a certain period. Economic Value Added (EVA) in this case is very relevant for measuring the value or values performance because EVA is a measure of economic value added resulting from theactivities of the company or enterprise management strategy. However, be a mistake when limiting EVA only to measure the performance of the company alone. EVA can be used as the implementation of a strategy that is associated with the main function of the company. The problem in this research is to try to evaluate the performance of investment PT TASPEN (Persero) with measurement of performance using Economic Value Added (EVA), which aims to get the composition of the investmentportfolio of financial assets PT TASPEN (Persero) which provide value-added for priority. The method used in this research is descriptive quantitative method. Used in this study is a secondary data such as data accounting, financial statements and annual report PT TASPEN (Persero). The results showed that, based on the value of Economic Value Added (EVA) PT TASPEN (Persero) advised to invest with established priority that is: (1) Bonds, (2) Stocks, (3) Mutual funds, (4) directinvestment and (5) deposits.Keywords: Economic Value Added, PT TASPEN (Persero), investment
Designing A Fintech Crowdfunding Business Model to Support the Sustainability of Small-Scale Coffee Farmers in Dairi Regency Simangunsong, Denny Indra Simson; Rahadian , Dadan
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 4 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i4.398

Abstract

Small-scale coffee farmers in Dairi Regency, Indonesia, face significant challenges in accessing capital, primarily due to low financial literacy, coffee price volatility, and limited assets for collateral. These issues hinder farmers from adequately maintaining their coffee plants, resulting in constrained production and declining crop productivity. Financial technology (fintech) crowdfundingcrowdfunding offers a potential solution to improve access to financing and enhance the sustainability of farming enterprises. This study aims to design a fintech crowdfundingfintech crowdfundingcrowdfunding business model that addresses the needs of small-scale coffee farmers in Dairi Regency, facilitating easier access to capital, enhancing supply chain transparency, and promoting the sustainability of their businesses. The study employs a qualitative approach, incorporating in-depth interviews with coffee farmers, lending service providers, and investors, alongside secondary data analysis. The Business Model Canvas (BMC) is applied to map customer segments and revenue streams, while the Value Design Model (VDM) is utilized to create value among stakeholders. This research is expected to produce an effective crowdfundingcrowdfunding business model tailored to support coffee farmers while inspiring investors to develop fintech crowdfundingfintech crowdfundingcrowdfunding solutions that align with the unique characteristics of small-scale coffee farmers in Indonesia.
Pengaruh Persepsi Manfaat dan Persepsi Kemudahan Terhadap Minat Penggunaan Quick Response Code Indonesian Standard (QRIS) pada Pelaku Usaha Kecil di Lingkungan Kampus Telkom University Zain, Dhiya‘Ulhag Zulfa; Rahadian, Dadan
eProceedings of Management Vol. 11 No. 5 (2024): Oktober 2024
Publisher : eProceedings of Management

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

Abstract

Bersumber pada konsep Technology Acceptance Model ( TAM ), penelitian ini bertujuan untuk menganalisis sertamengetahui pengaruh secara parsial dan simultan persepsi manfaat dan persepsi kemudahan penggunaan terhadapminat penggunaan Quick Response Code Indonesian Standard ( QRIS ) pada usaha kecil di Universitas Telkom.Penelitian ini mengenakan metodologi kuantitatif dengan rancangan penelitian asosiatif kausal. Sumber informasiyang digunakan merupakan sumber data esensial yang diperoleh lewat penyebaran survei dari 98 responden. Populasidalam penelitian ini merupakan pelaku usaha kecil di Lingkungan Universitas Telkom, serta pengolahan datadilakukan dengan memakai aplikasi IBM SPSS 25 for Windows. Strategi pengujian dalam penelitian ini memakai tatacara pengujian non-probability. Analisis regresi linier berganda, pengujian hipotesis, serta koefisien determinasidigunakan dalam penelitian ini. Berdasarkan hasil analisis regresi linear berganda menunjukkan bahwa variabelpersepsi manfaat dan persepsi kemudahan secara parsial dan simultan memberikan pengaruh positif dan signifikanterhadap minat penggunaan. Kata Kunci-fintech, QRIS, persepsi manfaat, persepsi kemudahan, usaha kecil
Project Risk Mitigation in Construction Projects (Case Study of Medan Station Building and Emplacement Development Project Phase II) Hardiputra, Andrew; Noviaristanti, Siska; Rahadian, Dadan
Jurnal Manajemen Indonesia Vol. 25 No. 1 (2025): Jurnal Manajemen Indonesia
Publisher : Fakultas Ekonomi dan Bisnis, Telkom University.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25124/jmi.v25i1.6074

Abstract

The success of a construction project can be determined by the achievement of targets in terms of time, cost and quality. The data shows that several construction projects undertaken by Waskita Karya experienced delays in the completion of work and increased costs. Risk mitigation has an important role in project control from the start in order to find out the causes of risk and how to handle them. This study aims to determine the risk mitigation strategy in the Medan Station Building and Emplacement Development Project Phase II. The research phenomenon is explored using a case study method through a quantitative approach. Data collection techniques are interviews, observation, and documentation. Construction risk factors include internal, external and project risks. More in-depth studies are limited to project risks, which have a direct impact on time, cost, quality, construction and technology. The results showed that 43 relevant risk factors had been identified. Obtained 11 risk factors with a very high level of risk, including (1) delay in handing over the project to the owner, (2) failure to achieve the productivity plan for the contractor's equipment, (3) delay in land acquisition, (4) delay in finalizing the design, (5) increase in BK/PU, (6) increase in material prices, (7) waste material exceeding plan, (8) potential for extreme weather to hinder project implementation, (9) there are existing utilities, buildings, or other objects that need permits in in terms of demolition in the work area, (10) delays in fulfilling labor and work tools, (11) innovative working methods.