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Eka Kurnia Patmasari
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Journal : Dharma Ekonomi

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Determinan Keputusan Penggunaan Paylater pada Platform E-commerce (Studi Kasus Mahasiswa FEB Universitas Selamat Sri) Eka Kurnia Patmasari; Ayu Akhiri Ana; Siti Abdillah Nurhidayah
Dharma Ekonomi Vol. 31 No. 2 (2024): DHARMA EKONOMI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharmaputra Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59725/de.v31i2.151

Abstract

This study is motivated by the irresponsible use of paylater services, which is influenced by factors such as financial literacy, risk perception, and trust. The purpose of this research is to examine the impact of financial literacy, risk perception, and trust on students’ decisions to use paylater services at the Faculty of Economics and Business, Selamat Sri University. A quantitative survey method was employed, targeting a sample of 107 students from the 2020 cohort who actively utilized paylater services. The findings reveal that financial literacy significantly and positively influences the use of paylater services. Similarly, risk perception and trust also exhibit significant positive effects on paylater usage.
Analisis Kelayakan Usaha Industri Tembakau Sebagai Komoditas Unggulan Berorientasi Ekspor dalam Upaya Restrukturisasi Ekonomi Pasca Pandemi Mahfud Nugroho; Eka Kurnia Patmasari; Septian Dwi Cahyo
Dharma Ekonomi Vol. 31 No. 2 (2024): DHARMA EKONOMI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharmaputra Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59725/de.v31i2.152

Abstract

This study evaluates the investment feasibility of UD Al-Mustofa, a tobacco business in Kendal, by considering aspects of production, storage capacity, waste management, and market expansion opportunities. UD Al-Mustofa is strategically located, ensuring high mobility, optimal production scale, and an effective waste management system, which includes recycling solid waste into organic fertilizer, processing liquid waste, and mitigating gas emissions by conducting tobacco drying in areas far from residential zones. Although the business has not yet obtained certification for international markets, financial analysis indicates that investment in this venture is viable. The calculations show a payback period of 2.01 years, significantly shorter than the projected 10-year investment lifespan. The Net Present Value (NPV) reaches IDR 489,345,567, indicating positive returns, with a profitability index of 0.854. The Internal Rate of Return (IRR) of 46% significantly exceeds Bank Indonesia’s interest rate of 5.75% in 2024, while the Average Rate of Return (ARR) of 78.8% is higher than the cost of capital. Based on these findings, UD Al-Mustofa has strong potential for further development, both in terms of production and market expansion..
Co-Authors Ageng Prasetyo Ananda Putri Iswari Andanawarih, Parasdya Pandhu Ardiani Ika Sulistyawati Ayu Akhiri Ana Cahyo, Septian Dwi Defiyatun Nur Safitri Dwi Sunarti Farikhatul Azizah Fauziah, Annisa Fitri Feri Tristiawan Fitria Yuni Astuti Haifa Hannum Arija Inayah, Nila Nihayatul Kesi Widjajanti Kuwatno Lukman Zaini Abdullah Mahfud Nugroho Marlon R. Astillero Mohamad Saufi Che Rusuli Monika Mustiani[ Nurifa Laksmitasari Azizah Prasetyo, Ageng Sathit Puttachaiyong SEPTIAN DWI CAHYO Sherli Junianingrum Siti Abdillah Nurhidayah Sri Supriyati Suparti Umi Hanifah Wahid Nugroho Wahyu Adi Wibowo Zaumil Zifa Titaningrum