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All Journal Jurnal Ilmiah Akuntansi dan Bisnis Jurnal Keuangan dan Perbankan Jurnal Akuntansi Multiparadigma EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Akuntansi : Kajian Ilmiah Akuntansi (JAK) AKRUAL: Jurnal Akuntansi Jurnal Riset Akuntansi dan Keuangan Primanomics : Jurnal Ekonomi & Bisnis JURNAL PENDIDIKAN TAMBUSAI Journal on Education Gorontalo Development Review Research In Management and Accounting (RIMA) Business and Finance Journal Jurnal Aplikasi Akuntansi Jurnal Review Pendidikan dan Pengajaran (JRPP) Tonika: Jurnal Penelitian dan Pengkajian Seni EconBank : Journal Economics and Banking Jurnal Akuntansi Bisnis Journal of Enterprise and Development (JED) Ilomata International Journal of Tax and Accounting Reviu Akuntansi dan Bisnis Indonesia Jurnal Performa : Jurnal Manajemen dan Start-up Bisnis Jurnal E-Bis: Ekonomi Bisnis Journal of Accounting, Entrepreneurship and Financial Technology (JAEF) Perspektif Akuntansi JURNAL LENTERA AKUNTANSI Bima Journal : Business, Management and Accounting Journal Journal of Education Research BIP'S : Jurnal Bisnis Perspektif COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat SENGKUNI Journal (Social Science and Humanities Studies) Jurnal Akuntansi AKUNESA Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal Research of Social Science, Economics, and Management Eduvest - Journal of Universal Studies Innovative: Journal Of Social Science Research J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi Research In Management and Accounting (RIMA)

Cliff Kohardinata

Universitas Ciputra

Author-ID : 4366836

Aerospace Engineering Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Other

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PENGARUH REGULASI DAN KOLABORASI TERHADAP LITERASI KEUANGAN DALAM UPAYA PENERAPAN FINANCIAL TECHNOLOGY PADA USAHA KECIL DAN MENENGAH Herdinata, Christian; Kohardinata, Cliff
Jurnal Bisnis dan Keuangan Vol 4 No 2 (2019): Business and Finance Journal
Publisher : UNUSA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v4i2.1358

Financial Technology (Fintech) telah memberikan akses kepada banyak pihak yang tidak memiliki rekening bank untuk masuk ke sektor usaha formal. Penerapan Fintech terbukti mampu membuka akses yang lebih besar terhadap layanan jasa keuangan formal, mendorong pertumbuhan ekonomi, serta pembangunan inklusif dan berkelanjutan. Untuk mendukung penerapan Fintech di Indonesia, maka tujuan penelitian ini adalah mengetahui pengaruh regulasi dan kolaborasi terhadap literasi keuangan pada usaha kecil dan menengah di Jawa Timur - Indonesia. Penelitian ini dilakukan melalui pendekatan kuantitatif dengan menggunakan teknik analisis regresi berganda. Hasil dari penelitian ini yaitu regulasi dan kolaborasi berpengaruh signifikan terhadap literasi keuangan. Maka dari itu, penelitian ini dapat membantu banyak pihak yaitu pemerintah, pengusaha, dan konsumen dalam memberikan pemahaman secara lengkap dan menyeluruh berkaitan dengan literasi keuangan pada usaha kecil dan menengah berkaitan penerapan financial technology.

KEPEMILIKAN MANAJERIAL DAN KEPEMILIKAN INSTITUSIONAL TERHADAP KEBIJAKAN LEVERAGE MELALUI PENDEKATAN KESEMPATAN BERTUMBUH DAN RISIKO PERUSAHAAN Cliff Kohardinata; Christian Herdinata
Jurnal Keuangan dan Perbankan Vol 17, No 3 (2013): September 2013
Publisher : University of Merdeka Malang

The main purpose of company was to increase companys value through increased prosperity of owner orshareholders. However, the management often had other objectives that caused conflicts of interest betweenmanagement and shareholders of the company, in which the conflict was referred to as Agency Problem (Jensen Meckling, 1976). To minimize the differences between the interests of owners and managers, the owner couldgive shares to managers or increased stock ownership by institutional in order to monitor managers. If theowner of the company wanted to reduce agency conflicts by increasing managerial ownership and institutionalownership, they will affect corporate leverage policy because managerial ownership and institutional ownershipcould reduce the financial risk that occurred from leverage. This study aimed to analyze the effect ofmanagerial ownership and institutional ownership on leverage policy. This study used the entire populationof companies listed in Indonesia Stock Exchange. Sampling was purposive sampling, and analytical techniquesused was ordinary least squares. The control variables were structure of assets, return on assets, financialdistress, asset utilization, asset growth. Furthermore, this paper considered growth opportunities and risksof the company. This study found that managers considered risk factors more than growth opportunities, andthe institutional shareholders considered growth opportunities more than company risk

Financial Literacy Effect and Fintech in Investment Decision Making Yopy Junianto; Cliff Kohardinata; Diana Silaswara
Primanomics : Jurnal Ekonomi & Bisnis Vol 18 No 3 (2020): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v18i3.472

Indonesia is a country that has a fairly good level of investment from year to year, based on KSEI 2020 data. This indicates that Indonesia's business opportunities are quite promising. This increase in investment was also followed by technological developments in the financial sector as we know fintech. The results of this fintech product have been widely used by many groups, especially for investment activities. This is one of the driving points for increasing investment in Indonesia. In general, investments are usually made by people who have sufficient literacy skills. Because various experiences state that someone who has good financial literacy will be able to make good decisions in terms of finances that have both short and long term impacts. However, the current condition has a different pattern where even without financial literacy the cloud community is currently able to invest even if they only get a little information. This research was conducted to see and explain the phenomena that occurred and provide confirmation that the shift in perspective patterns occurred. The result of the research states that financial literacy does not influence a person in making decisions, while fintech is a factor that influences someone in making investment decisions.

The Role of Entrepreneurial Role Model Influencer and Entrepreneurship Education towards Entrepreneurial Intention Kylie Julia Ahmad; Cliff Kohardinata; Clarissa Rachmadella Roshidawati
Primanomics : Jurnal Ekonomi & Bisnis Vol 19 No 3 (2021): Jurnal Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v19i3.615

The purpose of this research is to find out the effect of entrepreneurial role model influencer and entrepreneurship education towards entrepreneurial intention. The concept of entrepreneurial role model influencer combines the concept of social media influencer with entrepreneurial role model, this is new variables and have never been used in any research. This research uses a multiple linear regression approach, the sample of this research is 153 International Business Management students of Ciputra University. The result of this research shows that the entrepreneurial role model influencer and entrepreneurship education have a significant impact on entrepreneurial intention.

PENGARUH REGULASI DAN KOLABORASI TERHADAP LITERASI KEUANGAN DALAM UPAYA PENERAPAN FINANCIAL TECHNOLOGY PADA USAHA KECIL DAN MENENGAH Christian Herdinata; Cliff Kohardinata
Jurnal Bisnis dan Keuangan Vol 4 No 2 (2019): Business and Finance Journal
Publisher : UNUSA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v4i2.1358

Kebijakan Dan Strategi Pengelolaan Manajemen Modal Kerja Christian Herdinata; Cliff Kohardinata; Meidiahna Kusuma
BIP's JURNAL BISNIS PERSPEKTIF Vol 9 No 2 (2017): Juli
Publisher : Fakultas Ekonomi Universitas Katolik Darma Cendika

Working capital (capital) ie cash, accounts receivable, inventory. Companies follow a working capital cycle. Some things related to this are: (1) the cash conversion cycle is how much time the funds are tied up in working capital or how much time between the payment for working capital and cash collection from the sale of working capital (Brigham and Houston, 2014 ); (2) the average collection period is the average time required to convert raw materials into finished goods and sell them (Brigham and Houston, 2014); (3) the average collection period is the average time required to change a company's receivables into cash or to collect cash after a sale; (4) the payable period (payables deferral period) is the average time between the purchase of raw materials and labor with cash payments. The results of this study explain the strategies and policies that can be used in medium-sized businesses.

Gold Reserves in Majority Non-Muslim Countries and Muslim Majority Countries Cliff Kohardinata; Clarissa Rachmadella Roshidawati; Helena Sidharta
Gorontalo Development Review Volume 4 Nomor 1 April 2021
Publisher : Universitas Gorontalo

This study aims to analyse the priority of gold reserves compared to other reserves between non-Muslim countries with Muslim-majority countries, considering that Muslim scholars often put forward studies on gold or gold reserves, and even become a discourse on using gold as a transactional tool. The research methodology used in this study is a quantitative approach using secondary data. The results of this study indicated that non-Muslim majority countries more considering to use gold based on a reserve motive or precautionary motive for preventing risk. On the other hand, the precautionary motive has no effect on the decision of Muslim majority countries to prioritize gold as a reserve over other reserves.

DETERMINANT EFFECT OT CASA AND NPM ON MARKET RATIO OF BANKS LISTED IN IDX Jennifer; Wirawan Endro Dwi Radianto; Cliff Kohardinata
Jurnal Bisnis dan Keuangan Vol 7 No 2 (2022): Business and Finance Journal
Publisher : UNUSA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v7i2.3490

Banks are intermediary firms that have an important function in society and countries. Banks’ existence drives the banking industry to increase its financial performance through market ratio growth. This research aims to analyze the influence of CASA and NPM on market ratio for banks listed in the IDX during the period of 2010-2020. The originality of this research is that it focuses on the influence of affordable funds and profitability on market ratio PBV in the banking sector. The research type used is quantitative method with multiple linear regression approach. Sampling techniques used is purposive sampling. The population is 43 banking firms listed in the IDX on December 2020. The sample used is 200 sample data from 21 banks in BUKU II until BUKU IV categories in Indonesia during 11 periods, from 2010-2020. Testing techniques used in this research are descriptive statistics, hypothesis test, and classic assumption test with robust standard error. The research variables consist of a dependent variable (PBV), independent variables (CASA, NPM), control variables (PER, DPR, ROE), and a dummy variable (SOE and private owned). The result of this research is that CASA and NPM have a positive and significant effect on PBV. Hopefully, this research can add consideration for banking management, financial supervisory agencies, investors, and the public about investment making decisions.

Pengaruh Intellectual Capital terhadap Sustainable Growth Rate di Masa Pandemi COVID-19 pada Sektor Perbankan dan Jasa Keuangan Lainnya Elvina Florensia; Cliff Kohardinata; Kazia Laturette
Jurnal Akuntansi Vol 11 No 1 (2022): AKUNESA (September 2022)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/akunesa.v11n1.p36-48

Pandemi COVID-19 menyebabkan penurunan penyaluran kredit, piutang pembiayaan, dan premi asuransi pada perusahaan perbankan dan jasa keuangan lainnya. Hal tersebut berdampak pada penurunan pendapatan dan laba di beberapa perusahaan. Sektor perbankan dan jasa keuangan lainnya yang berfokus pada jasa sehingga integrasi informasi, pengetahuan, sumber daya manusia, teknologi informasi memerlukan pengelolaan yang baik di masa pandemi untuk mendukung pertumbuhan berkelanjutan, tidak hanya pertumbuhan yang cepat. Penelitian dilakukan dengan tujuan menguji pengaruh intellectual capital terhadap sustainable growth rate. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan analisis regresi linier berganda, terdapat 94 perusahaan sektor perbankan dan jasa keuangan lainnya yang terdaftar di Bursa Efek Indonesia pada periode 2020-2021. Analisis data menggunakan perangkat lunak STATA 16. Hasil penelitian menunjukkan tidak terdapat pengaruh signifikan antara human capital dan structural capital dengan sustainable growth, sedangkan terdapat pengaruh signifikan negatif antara capital employed dengan sustainable growth

Pengaruh Pinjaman P2P terhadap Kredit Perbankan Pada kondisi Literasi TIK (Digital) Rendah-Tinggi: Cliff Kohardinata; Riyan Suwhikno; Pian Sopian
Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital Vol. 1 No. 2 (2022): JULI-DESEMBER
Publisher : Badan Penerbitan Fakultas Pertanian Universitas Ratu Samban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58222/jemakbd.v1i2.130

Penelitian ini menguji pengaruh pinjaman peer-to-peer (P2P) terhadap kredit perbankan konvensional pada kondisi literasi teknologi informasi dan komunikasi (TIK) rendah dan tinggi. Penelitian ini menggunakan regresi linear berganda dengan menggunakan data bulanan dari 33 provinsi pada periode Januari-Juli 2022, kecuali provinsi Kalimantan Utara. Hasil pengujian regresi berganda menunjukkan bahwa pinjaman P2P berpengaruh positif signifikan atau merupakan komplementer pada kredit perbankan di Indonesia pada kondisi literasi TIK rendah maupun tinggi. Tingkat koefisien pinjaman P2P lebih besar pada literasi TIK tinggi dibandingkan dengan literasi TIK rendah, hal ini menunjukkan bahwa tingginya literasi TIK mendukung platform P2P untuk dapat berkolaborasi dengan perbankan konvensional dalam menyalurkan kredit kepada masyarakat yang memerlukan pendanaan.

Co-Authors Aldo Christian Budiharjo Alexandre Desousa Guterres Alexandre Desousa Guterres Anabella, Tania Adeline Anastasia Filiana Ismawati Anastasia Filliana Ismawati Anastasia, Michelle Bambang Tjahjadi Bella Novyana Christian Herdinata Clarissa Rachmadella Roshidawati Deandra Vidyanata Diana Silaswara Elvina Florensia Evi Thelia Sari Fabian Benediktus Gissella Ezar Heinrich Tunky Helena Sidharta Idelia Idelia Jennifer Jennifer Jennifer Jevan Andreas Talahaturusun Jevan Andreas Talahaturusun Jevan Andreas Talahaturusun Joshua Laurens Kamil Baraja Karen Aurelia Kazia Laturette Kusuma, Meidiahna Kylie Julia Ahmad Laurentia Yuke Elsinta Lieanto, Calvin Timothy Luky Patricia Widianingsih Maria Asumpta Evi Marlina Mega Brilliant Chandra Natalia, Karisma Ni Made Gianti Nicklaus Stanley Nicklaus Stanley Nico Selim Nike Ardiansyah Novita, Rena Novrys Suhardianto Nugroho, Alexander Yonathan Nydia Wirawati Ongkowijoyo, Meliana Kristin Ongkowijoyo, Meliana Kristin Pian Sopian Puspa Kirana Harwinanda Renata, Madeline Riyan Suwhikno Soetedja, Venny Stanley, Nicklaus Suryanto, Dicky Tanzila Talahaturusun, Jevan Andreas Trevina, Valisha Vania Caroline Hanjaya Verra Okti Purwananti Wiliam Santoso Wirawan ED Radianto Yopy Junianto

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