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Green Banking Adoption Strategy (Case Study of Banks in Jabodetabek) Novsa Fakhira; Nimmi Zulbainarni; Megawati Simanjuntak
Indonesian Journal of Business and Entrepreneurship (IJBE) Vol. 9 No. 1 (2023): IJBE, Vol. 9 No. 1, January 2023
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.9.1.49

Abstract

Green banking is a bank’s operational activities to reduce environmental damage and preserve nature, thereby contributing to sustainable development. Green banking provides solutions for companies to various customer problems and business competition. The rapidly developing information and communication technology and the increasing number of people using the internet are opportunities for banks to transform to green banking. This study aims to prove the relationship between the variables that influence the adoption of green banking with the factors that influence the adoption of green banking, analyze the strategy by using SWOT analysis, and formulate managerial implications for increasing the adoption of green banking. The study was conducted on bank employees who have implemented green banking with 88 respondents who were determined by voluntary sampling. Data were collected using an online questionnaire. The statistical analysis used is the Structural Equation Model (SEM)-PLS. The results showed that all variables strongly correlate with the factors influencing green banking adoption. Banks can adopt green banking strategies based on the SWOT analysis results: green banking product innovation, increasing community empowerment programs, developing internal capabilities, collaboration with fintech and improving public education about the use of green banking. Several managerial implications that companies can carry out are with the latest marketing mix and formulating various green banking adoption strategies. Keywords: brand image, competitor pressure, green banking adoption, top management support, value creation
Do the Government Support Salt Small and Medium Enterprises’ Competitiveness? Rahmadi Sunoko; Asep Saefuddin; Rizal Syarief; Nimmi Zulbainarni
Binus Business Review Vol. 14 No. 1 (2023): Binus Business Review
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/bbr.v14i1.8580

Abstract

As a strategic commodity, salt in Indonesia faces the challenges of increasing imports rather than the capacity to produce locally, which SMEs almost produce. Therefore, the research explored the extent of the government’s role in the competitiveness of salt SMEs. The research applied a descriptive method with a qualitative approach. For policy analysis, literature review, observation, and in-depth interviews were conducted to analyze the effectiveness of government policies using Regulatory Impact Assessment (RIA) and Cost-Benefit Analysis (CBA). The results find that at least six issues on the existing policies need concern. It consists of local people who are allowed to produce salt, the President Decree 69/1994 role and position, the salt consumption, which is mandatory to have SNI, the changeable salt classification, the other SNI than voluntary iodized consumption salt, and SNI for food-grade salt and caustic soda (chlor-alkali products). The situation shows the government’s significant role in influencing the competitiveness of sustainable salt SMEs. Subsequently, the research proposes recommendations for the sustainable competitiveness of Small and Medium Enterprises (SMEs) on salt industry development, such as arranging new regulations or revising the existing regulation by integrating and harmonizing the interest cross-ministries, establishing the task force under the Coordinating Ministry for Economic Affairs or directly under the president to prepare the national salt industries development. The national salt classification needs to be considered as the applicable classification internationally. Salt is salt, so there is no need to differentiate it into local and imported salt. Therefore, the imported salt can be classified into food-grade and Chlor-Alkali products (CAP) salt, which should meet international standards and be mandatory.
Financial Performance of The Main Palm Oil Companies in Indonesia and The Influencing Factors Muhammad Siddik Elfian; Harianto; Nimmi Zulbainarni
Business Review and Case Studies Vol. 4 No. 1 (2023): BRCS, Vol 4 No 1, April 2023
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/brcs.4.1.62

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Palm oil is a promising agricultural commodity in Indonesia. Many companies enter this industry. Business development and area expansion done to fulfill the world market needs for oil palm plantation products, especially Crude Palm Oil (CPO). Business development requires capitals. Capitals obtained by oil palm plantation companies from investors and creditors through shares and loans. Investors and creditors need a criteria to invest in this industry. The criteria commonly used is seeing the company's financial performance. The company's financial performance can be analyzed using Economic value added. In this study, there are seven Indonesian oil palm companies that will be analyzed using Economic value added (EVA). EVA is chosen because it can decide the companies’ financial performance properly. There are several factors that affect the value of EVA. These factors are the Rupiah exchange rate, the Indonesian bank interest rate, corporate profits, pandemic dummy and CPO prices. These factors are seen for their influence on the value of EVA by using panel data regression analysis. The factors that affect the value EVA are the rupiah exchange rate and the company's profit. Oil palm companies can maximize the opportunity of those impacted factors to gain profit and fix their financial performance. Keywords: palm oil companies, financial performance, EVA, panel data regression
Performance Mapping Of Fintech Peer To Peer Lending (P2PL) in Indonesia Kaspar Situmorang; Hermanto Siregar; Nimmi Zulbainarni; Roy H. M. Sembel
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 9 No. 2 (2023): JABM Vol. 9 No. 2, Mei 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.9.2.501

Abstract

The development of Peer-to-Peer Lending (P2PL) fintech in Indonesia was growing fast. In the midst of this rapid growth, a volatile pattern shows the dynamics of the P2PL in terms of its performance. This study aims to map the performance of fintech P2PL. The data used are the total disbursement of loans and non-performing loans obtained from each company's website and aggregate data published by the Financial Services Authority (OJK). In this study, a website scraping from 102 fintech companies was obtained from each platform to obtain Non-Performing Loan (NPL) value and accumulated loan distribution. This study also uses the hierarchical clustering method to group each P2PL based on NPL and accumulated loan disbursement. Based on the hierarchical clustering analysis, three clusters distinguish the characteristics of grouping P2PL companies. In first cluster, there are 3 companies with high distribution and low NPL, while in the second cluster consists of 13 companies categorized as poor performance because they related to the low disbursement and high NPL value. In the third cluster there are 71 companies with moderate disbursement and NPL. Based on this mapping several things need to be improved, starting from developing a risk management and monitoring system, lending and operating supervision. Keywords: Fintech, peer to peer lending, clustering, hierarchical clustering, NPL
Studi Pemasaran Lobster Mutiara (P. Ornatus) di Provinsi Sulawesi Selatan Muhammad Hairul Haj; Nimmi Zulbainarni; Novindra Novindra
Jurnal Sosial Ekonomi Kelautan dan Perikanan Vol 18, No 1 (2023): JUNI 2023
Publisher : Balai Besar Riset Sosial Eonomi Kelautan dan Perikanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15578/jsekp.v18i1.11537

Abstract

Provinsi Sulawesi Selatan merupakan provinsi penghasil lobster terbesar di wilayah tengah Indonesia. Meningkatnya permintaan lobster di pasar dunia dan harga jual yang tinggi mendorong masyarakat untuk melakukan kegiatan usaha budi daya. Namun, permasalahan umum yang dihadapi oleh pembudidaya adalah pemasaran. Kondisi harga yang fluktuatif dan panjangnya rantai pemasaran harus dilalui oleh pembudidaya. Penelitian ini dilakukan untuk mengetahui mekanisme dan efisiensi pemasaran lobster mutiara (P. ornatus) di Provinsi Sulawesi Selatan. Penelitian berlokasi di Kabupaten Takalar, Kabupaten Pangkep, dan Kota Makassar. Metode penelitian yang digunakan adalah penelitian studi kasus berdasarkan ciri khas dari daerah penelitian. Jumlah sampel ditentukan dengan menggunakan metode stratified sampling yang terdiri dari 5 orang nelayan tangkap, 51 orang pembudidaya Karamba Jaring Apung (KJA), 11 orang pembudidaya Karamba Jaring Dasar (KJD), 2 orang pengumpul kecil, 1 orang pengumpul besar, dan 1 orang pengekspor. Metode analisis yang digunakan dalam penelitian ini adalah analisis lembaga, saluran, margin, biaya, keuntungan, dan efisiensi pemasaran. Hasil penelitian menunjukkan bahwa terdapat empat saluran pemasaran lobster. Ditemukan juga bahwa Saluran Pemasaran 4 adalah saluran yang paling efisien. Rekomendasi kebijakan yang dapat diusulkan berdasarkan hasil penelitian ini adalah (1) dibutuhkan bantuan dari pemerintah pusat (KKP) dan daerah (DKP) dalam membantu pengadaan kolam penampungan lobster pascapanen; (2) pengembangan iklim kemitraan, khususnya antara pembudidaya dan pihak pengekspor; dan (3) sistem informasi pasar, khususnya bagi pembudidaya yang harus diperbaiki agar sistem pemasaran dapat berjalan dengan baik dengan bantuan DKP.Title: Study on Marketing of Pearl Lobster (P. Ornatus) at South Sulawesi ProvinceSouth Sulawesi is the largest lobster producers in the central region of Indonesia. The increasing demand of lobster in global market and high selling prices have encouraged communities to farm the lobster. However, marketing was an issues to deal with by the farmers. Price fluctuation and extensive marketing chain were traversed by farmers. This research  aims to determine the marketing mechanism and efficiency of pearl lobster (P. ornatus) in South Sulawesi Province. This study was undertaken in Takalar, Pangkep and Makassar. This research employs case study research based on the characteristics of the research area. Number of samples was determined by stratified sampling method. A number of 51 floating net cages farmers, 11 bottom net cages farmers, 2 small collectors, 1 large collector and 1 exporter were interviewed. Institution analysis, marketing channels, margins, costs, profits and marketing efficiency were employed to answer the objectives of this research. The results show that there were four lobster marketing channels and marketing channel 4 found to be the most efficient channel. Some policy recommendations are proposed:  1) subsidies  are needed from the central government (MMAF) and regional offices in the form of post-harvest lobster ponds, 2) developing a partnership climate, especially between farmers and exporters, and 3) access to market information systems assisted by regional officer, especially for farmers to improve supply chain.
Strategi Pengembangan Usaha Pada Coffee Shop Int.Space Pasca Covid-19 di Kota Rangkasbitung: Business Development Strategy in Post Covid-19 Coffee Shop Int.Space in Rangkasbitung City Moh Faqih Dwi Saptaji; Musa Hubeis; Nimmi Zulbainarni
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 9 No. 3 (2023): JABM Vol. 9 No. 3, September 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.9.3.943

Abstract

The National Disaster Management Agency (BNPB) aims to increase the number of patients infected with the Covid-19 virus by 20% per day. This has disrupted the economic sector in all fields, including micro, small and medium enterprises (MSMEs), one of which is the coffee shop business. This study aims to establish a Business Development Strategy to increase Coffee Shop sales in the aftermath of Covid-19. The types of data used in this study are primary and secondary data. Primary data were obtained from observations and interviews with five informants, namely Coffee Shop Int.Space Owners, Coffee Shop Int.Space Consumers, the Tourism Office in the Creative Economy Sector, Food & Beverage Consultants, and the health Office; as well as secondary data obtained from literature studies, the internet, and related institutions. This research data processing uses Strengths, Weaknesses, Opportunities, and Threats (SWOT) Analysis to determine the Strengths and Weaknesses of Coffee Shop Int.Space and then determines the right business development strategy with the QSPM (Quantitative Strategic Planning Matrix). From this analysis, recommendations for the Coffee Shop Int.Space Development Strategy are obtained, namely increasing sales through alternative product development strategies. Keywords: business development, coffee shop, covid-19, coffee marketing, msme
SYMPATHY GIFT: INOVASI BISNIS PARSEL DALAM MEMPERKUAT INTERAKSI SOSIAL Muchamad Bachtiar; Nurul Syahara; Nimmi Zulbainarni; Hairunisa Dzulhira
JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Vol 9, No 1 (2023): Vol 9, No. 1 (2023)
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34203/jimfe.v9i1.7405

Abstract

ABSTRAKTujuan dari penelitian ini adalah (1) mengidentifikasi permasalahan dan peranan pemberian hadiah ungkapan simpati, (2) mengidentifikasi kemasan dan isi hadiah sesuai dengan keinginan masyarakat, (3) merancang model bisnis hadiah simpati yang bisa diterima oleh masyarakat luas. Sympathy Gift adalah cara untuk mengekspresikan perasaan, menjadi pengingat atas dukungan, simpati, serta kepedulian yang sedang dibutuhkan. Hasil akhir dari penelitian ini adalah kanvas model bisnis terverifikasi yang didapatkan dari wawancara mendalam calon konsumen. Produk sympathy gift berpeluang menjadi solusi dari permasalahan serta kebiasaan masyarakat saat mengungkapkan rasa simpati. Sympathy gift adalah cara untuk mengekspresikan perasaan, memberi penguatan penghargaan dan pengakuan satu sama lain. Sympathy gift membantu seseorang untuk mengekspresikan diri dan terhubung dengan orang-orang penting dalam kehidupanABSTRACTTherefore, the purpose of this study is (1) to identify the problems and roles of giving sympathy gifts, (2) to identify the packaging and contents of gifts according to the wishes of the community, (3) to design a business model of sympathy gifts that the wider community can accept. Sympathy Gifts are a way to express feelings, and serve as a reminder of the support, sympathy, and care that are needed. The final result of this research is a verified business model canvas obtained from in-depth interviews with prospective customers. Sympathy gift products have the opportunity to be a solution to people's problems and habits when expressing sympathy. Sympathy gifts are a way to express feelings, and reinforce appreciation and recognition for one another. Sympathy gifts help one to express oneself and connect with influential people in life.
Sri Kehati Stock Index Portfolio Optimization Deby Indah Mayriska; Hermanto Siregar; Nimmi Zulbainarni
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 1 (2024): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i1.5131

Abstract

The purpose of this research is to analyze the composition of stocks to form the optimal portfolio of 25 issuers included in the SRI KEHATI Index for the period 2017 – 2021. The method used to form the portfolio is the Single Index Model (SIM) and the Capital Asset Pricing Model (CAPM), to measure stock performance using the Sharpe, Treynor and Jensen indices and equipped with a Monte Carlo simulation to measure the level of risk (Value at Risk). This research is a descriptive and quantitative research using secondary data. The calculation results show the composition of the portfolio and the proportion of funds: (1) SIM method, there are 5 stocks namely: BBCA (69%), BBRI (13%), EXCL (8%), JPFA (5%) , TINS ( 4%) with portfolio return of 1.49%, Sharpe index 0.16525, Treynor 0.00994, Jensen 0.0178 and the highest VaR value is found at the 99% confidence level in TINS stock , which is -44.3%. (2) CAPM method, there are 8 stocks namely: BBCA (23.59%), BBRI (16.27%), BMRI (16.19%), EXCL (13.95%), BBNI (11.50%), JPFA (7.08%), TINS ( 6.77 %), UNTR (5.56%) with a portfolio return of 0.47%, Sharpe index 0.02298, Treynor 0.00065, Jensen 0.00180 and the highest VaR value is found at a 99% confidence level in TINSstocks , which is - 45.1%.
The influence illegal fishing surveillance policies on marine fisheries business Saiful Umam; Syamsul Ma'arif; Nimmi Zulbainarni
Indonesian Journal of Multidisciplinary Science Vol. 3 No. 2 (2023): Indonesian Journal of Multidisciplinary Science
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/ijoms.v3i2.727

Abstract

Illegal fishing that occurs in Indonesian waters has the potential to harm the marine fisheries business. The government seeks to overcome losses due to illegal fishing through  policies and surveillance programs through increasing the fleet of surveillance vessels, increasing operations by sea and air and utilizing information technology. Surveillance  of illegal fishing is a public policy, in  order to measure the impact and benefits of the policy, economic valuation is needed as a basis for stating that the policy is feasible and provides benefits presented in a value. This study aims to analyze the direct and indirect impact of illegal fishing Surveillance policies on the marine fisheries business. The research method uses producer surplus and analysis uses Extended Cost Benefit Analysis (ECBA). The results showed that  the policy of increasing Surveillance provides  positive benefits of Rp.1.8 trillion/year, so the policy is feasible. The policy has the potential to save economic and social losses, when the supervision conditions before the policy of increasing Surveillance of social and economic impacts obtained amounted to Rp.466.9 billion / year and after the policy increased Surveillance to Rp. 2.3 trillion / year. The policy of increasing supervision greatly affects the fisheries business at sea, namely the needs and supply of fish for raw materials for the fishery industry are met, increasing the productivity of catches, absorption of labor as fishermen on ships, sufficient fuel stocks and for the government, state revenues from PNBP and fisheries taxes increase.
A Comprehensive Analysis: Perception, Innovativeness, and Intention of Consumers As Determinant Factors of Mobile Banking Usage Behavior Leo Candra Kirana; Megawati Simanjuntak; Nimmi Zulbainarni
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 10 No. 2 (2024): JABM, Vol. 10 No. 2, Mei 2024
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.10.2.520

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Background: The average increase in mobile banking users in Indonesia in the last five years has reached 135.3% per year. The wide diversity of users forms diverse user preferences and intentions, which is a crucial thing for banks to consider. Purpose: The objective of this study is to determine the determinant factors of mobile banking usage behavior using quantitative research and structural equation modeling.Design/methodology/approach: The population of this study is users who have not maximized the use of Bank XYZ mobile banking and used a random sampling technique using the Slovin technique to determine the research sample.Findings/Result: This research contributes to the understanding of consumer behavior concerning technology-based bank products, specifically mobile banking. Findings indicate that PU, PEoU, PR, PC, and personal innovativeness are crucial factors in maximizing mobile banking adoption. This study provides practical strategies for banks, particularly Bank XYZ, to develop policies that enhance these factors, ultimately encouraging mobile banking utilization by improving application design and service quality.Conclusion: This study found significant relationships between all the relationship variables tested which between PU, PEoU, PR and PC to behavioral intention to use mobile banking; and personal innovativeness and behavioral intention to use mobile banking to mobile banking usage behavior.Originality/value (State of the art): This research uses the Technology Acceptance Model (TAM) theory with the addition of PR and PC. Keywords: behavioral intention, digital transaction, mobile banking, perception of customer, usage behavior
Co-Authors . Jihad Abdullah, Asaduddin Abgusta Fajri Wiranata Achmad Fahrudin Aditya Hikmat Nugraha Adler Haymans Manurung Adriani Sunuddin Agung Jat Wibowo Arsa Aida Vitalaya Hubeis Alvi Rahmah Amandra, Miko Novri Andi Alamsyah Andi Irman Patiroi Andina Oktariani Anggraeni, Aniesya Sefia Arief Daryanto Arif Satria ASEP SAEFUDDIN Asep Taryana Bayu Koen Anggoro Benny Osta Nababan Budi, Moch Wahyu Ksatria Budy Wiryawan Bustanul Arifin Daniel Johan Deby Indah Mayriska Deni A. Soeboer Dirgantara, Ahmad Fauzan Edoardo Stevie Wayangkau Ekananta, Arry Eko Sri Wiyono Epiet Dwi Anggoro Fadhila Hukmi Fathan Kamil Fredinan Yulianda Galang Prakasa Yusuf Putra Gena Bijaksana Gigih Budiarto Ginoga, Andina Nuraini Hairunisa Dzulhira Haj, Muhammad Hairul Hapsari, Umi Indah Harianto Harianto Harits Adli Tegar Nevada Hartoyo Hartoyo Hartoyo Hartoyo Hartoyo Hartoyo Hendilen Hendilen Hendro Sasongko Hermanto Siregar Hermanto Siregar Ika Prafitriandini Indra Jaya Indrawan, Dikky Insaniah Rahimah Irman Hermadi Iwan Dirwana Kamilia, Ghina Kaspar Situmorang Khumaera, Nur Ifra Krisna Fery Rahmantya Leo Candra Kirana Lubis, Muchdy Lukman M. Baga M. Joko Affandi M. Syamsul Maarif M. Syamsul Ma’arif Ma'arif, Mohammad Syamsul Megawati Simanjuntak Miko Novri Amandra Moh Faqih Dwi Saptaji Muchamad Bachtiar Muhammad Gunawan Sani Saputro Muhammad Hairul Haj Muhammad Siddik Elfian Mulianto, Heri Musa Hubeis Mustaruddin Nisa Ayunda novindra . Novsa Fakhira Novsa Fakhira Nunung Nuryartono Nur Hasanah Nurul Syahara Pratita Budi Utami Putri Claristha Violetta Rahmadi Sunoko Rahmadi Sunoko Ratna Mutia Aprilia Rina Uswatun Hasanah Rizal Syarief Rizal Syarief Ronny I. Wahju Rosdyani Rachmi Rosmina Rose Sasarari Roy H. M. Sembel Saiful Umam Saiful Umam Sari, Fadhila Cynthia Satriadi, Dharma Siti Jahroh Sukarsih, Yayuk Sulaeman Martasuganda Syaiful Rachman Syamsul Bahri Agus, Syamsul Bahri Syamsul Ma'arif Tanti Novianti Tarlan Subarno Tri Wahyu Budiarti Tri Wiji Nurani Trias Andati Trias Andati Tridoyo Kusumastanto TSNB Hutabarat TSNB Hutabarat Widyastutik Yulian Anita Yusgiantoro, Purnomo Yusuf Iskandar