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Financial Literacy And Individual Financial Decision Among Millennials In Indonesia After Covid-19 Vinsensius Willson Limantoro; Sylviana Maya Damayanti
Cakrawala Repositori IMWI Vol. 6 No. 5 (2023): Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v6i5.508

At the end of 2019, the world was hit by the COVID-19 which caused restrictions on the activities of the world citizens. As a result of this pandemic, many people have lost their jobs and developments in technology (including fin-tech) are accelerating. Because many people have lost their jobs and find difficult to get income to survive, many people are using technology to find income. However, due to a lack of understanding of the technology used, many have been exposed to fraud or loss. This research was conducted to assess the financial literacy of millennials in Indonesia and its influence on individual financial decision, what factors affect the level of financial literacy, and how to increase the level of financial literacy of millennials. This research was conducted by processing data using Microsoft Excel and regression using SPSS from 403 respondents regarding 5 demographic questions (gender, age, occupation, last education, monthly income), 10 questions regarding financial literacy (budget planning, consumption, saving, investment, risk management), and 16 questions regarding individual financial decisions (consumption, saving, investment). The results of this research are: (1) there is a significant positive effect between the level of financial literacy and individual financial decisions. (2) there is a significant negative effect between gender and the level of financial literacy. (3) there is a significant positive effect between age, last education, and monthly income on the level of financial literacy. (4) there is no influence between occupation and level of financial literacy.

Financial Literacy And Individual Financial Decision Among Millennials In Indonesia After Covid-19 Vinsensius Willson Limantoro; Sylviana Maya Damayanti
Cakrawala Repositori IMWI Vol. 6 No. 5 (2023): Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v6i5.508

At the end of 2019, the world was hit by the COVID-19 which caused restrictions on the activities of the world citizens. As a result of this pandemic, many people have lost their jobs and developments in technology (including fin-tech) are accelerating. Because many people have lost their jobs and find difficult to get income to survive, many people are using technology to find income. However, due to a lack of understanding of the technology used, many have been exposed to fraud or loss. This research was conducted to assess the financial literacy of millennials in Indonesia and its influence on individual financial decision, what factors affect the level of financial literacy, and how to increase the level of financial literacy of millennials. This research was conducted by processing data using Microsoft Excel and regression using SPSS from 403 respondents regarding 5 demographic questions (gender, age, occupation, last education, monthly income), 10 questions regarding financial literacy (budget planning, consumption, saving, investment, risk management), and 16 questions regarding individual financial decisions (consumption, saving, investment). The results of this research are: (1) there is a significant positive effect between the level of financial literacy and individual financial decisions. (2) there is a significant negative effect between gender and the level of financial literacy. (3) there is a significant positive effect between age, last education, and monthly income on the level of financial literacy. (4) there is no influence between occupation and level of financial literacy.

The Impact of Debt Strucutre, Operational Capability, Liquidity, Profitability, and Capital Structure Toward Financial Risk (Case Research : PT. Gapura Angkasa) Bayu Indra Wibiksana; Sylviana Maya Damayanti
Journal of Economics and Business UBS Vol. 12 No. 1 (2023): Regular Issue
Publisher : UniSadhuGuna Business School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v12i1.140

In order to finance its operations and investment activities, one of PT. Gapura Angkasa's funding sources is debt, a kind of external funding for the company. Debt policy in a company is very important to be evaluated and analyzed properly because many companies will experience success with accuracy in making debt decisions. Debt policy can have an impact on optimizing the use of funds in the company. A company's financial troubles and likelihood of filing for bankruptcy may be impacted by its level of debt. The objective of research is for investigate the impact of debt structure, operational capability, liquidity, profitability, and capital structure on financial risk. This research utilizes secondary data sources in the form of financial reports from companies. The data utilized is PT. Gapura Angkasa's financial report data from 2017 to 2021. In this research, the independent factors include debt structure, operational capability, liquidity, profitability, and capital structure, whereas the dependent variable is financial risk. This research employs multiple regression with the aid of the SPSS application for its data analysis. Accordingly to the findings of the research, debt structure got a negative impact on financial risk. Similarly, operational competency negatively impacts financial risk. However, neither liquidity nor profitability nor capital structure had any impact on financial risk. The debt structure should be a concern for PT. Gapura Angkasa's management in order to retain the usage of debt while ensuring that the company's debt is not excessive and that its working capital continues to grow.

The impact of construction management patterns on housing quality in housing residences Muhammad Yusuf Ali; Sylviana Maya Damayanti; Mulya Amri
Jurnal Ilmiah Manajemen dan Bisnis Vol 12, No 1 (2026): Jurnal Ilmiah Manajemen dan Bisnis
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jimb.v12i1.37944

This study examines how construction management patterns, self-performance versus subcontracting, and Project Manager (PM) leadership relate directly to housing quality in a residential project. Using a case study of the Vila Rizki Insani development (IDR 3,800,000/m²), a mixed-method approach integrated unit-level complaint records during a 90-day retention window, pre-handover homecare checklists for ready-stock units, project documents, and semi-structured interviews with PMs, foremen, and estate staff. Quantitative analysis compared the outcomes across two contractors: a self-performing contractor delivering 297 units and a subcontracting contractor delivering 106 units. Self-performing output showed lower normalized complaint rates (minor 2.36%, moderate 2.36%) but included a small incidence of serious defects (0.34%), whereas subcontracting showed a higher minor-complaint rate (8.4%), lower moderate complaints (1.88%), and no serious cases recorded during retention period. Qualitative findings indicate that contracting schemes structure accountability and inspection routines, shaping the PM’s practical leverage over workmanship; transactional control is easier to operationalize under self-performing teams, whereas fragmented trade packages in subcontracting increase interface gaps and finishing rework risk. Overall, contracting schemes and workforce capacity emerged as primary drivers of quality consistency under tight pricing, with complaint response speed influencing perceived quality. The study recommends aligning work packages with supervision capacity and formalizing inspection and post-sales response routines.

Peningkatan Literasi Digital dan Literasi Keuangan Digital melalui Aplikasi Pencatatan laporan Keuangan Digital: SMART untuk UMKM Anak Berkebutuhan Khusus di Rancaekek, Kabupaten Bandung, Jawa Barat Sylviana Maya Damayanti; Arry Akhmad Arman; Arinda Mentari Putri; Octaviani Ratna Sari Santoso
Jurnal Abdimas Mahakam Vol. 10 No. 01 (2026): Januari
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24903/jam.v10i01.3882

Kegiatan pengabdian kepada masyarakat ini bertujuan memberdayakan UMKM yang beranggotakan ABK, yaitu kelompok keluarga dengan Anak Berkebutuhan Khusus (ABK). Berdasarkan hasil analisis kondisi awal, kelompok UMKM ini memiliki potensi ekonomi melalui usaha mikro berbasis produk, namun masih menghadapi kendala utama berupa minimnya pencatatan keuangan dan lemahnya kapasitas pemasaran digital. Untuk menjawab tantangan tersebut, kegiatan pengabdian kepada masyarakat ini dirancang dengan dua tujuan utama. Pertama, mengembangkan aplikasi pencatatan keuangan sederhana dan mudah digunakan oleh UMKM ABK bernama SMART guna meningkatkan kemampuan mereka dalam memonitor arus kas, mencatat transaksi, dan memahami kondisi keuangan usaha. Kedua, memberikan pelatihan pemasaran dan marketing digital agar UMKM ABK mampu mempromosikan produk secara lebih efektif, memanfaatkan media sosial, serta meningkatkan jangkauan pasar. Kegiatan pengabdian dilakukan di Kampung Rancakihiang, RT 01/RW 10 Desa Bojongloa, Kecamatan Rancaekek, Jawa Barat, Indonesia dengan dihadiri oleh 29 peserta. Metode yang digunakan adalah penelitian action research dan workshop dimana para peserta mendapatkan pelatihan dan tutorial dalam penggunaan aplikasi SMART untuk pencatatan laporan keuangan secara digital. Integrasi aplikasi keuangan dan pelatihan pemasaran ini diharapkan dapat meningkatkan kapasitas digital dan kemandirian ekonomi UMKM ABK secara berkelanjutan. Penyebaran penggunaan SMART kepada banyak UMKM baik ABK ataupun tidak dapat menjadi keberlanjutan dari kegiatan pengabdian ini.

Assessing The Viability of Strategic Expansion: A Case Study on Opening A New Mcg Coffee Branch Nadhila Dzikrina Yusuf; Sylviana Maya Damayanti
Journal of Social Research Vol. 4 No. 7 (2025): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v4i7.2577

This study evaluates the financial feasibility of expanding MCG Coffee by opening a new branch in Tebet, Jakarta. Using a mixed-methods approach, the research combines qualitative strategic analysis—including SWOT and Porter’s Five Forces—with quantitative financial modeling tools such as Net Present Value (NPV), Internal Rate of Return (IRR), and Payback Period (PP). Data collection involved both primary sources (surveys and interviews) and secondary sources (financial records and industry benchmarks). The findings reveal that the proposed expansion is financially viable, with a positive NPV of Rp 145,349,219, an IRR of 25%, and a payback period of 4 years and 7 months. Sensitivity analysis indicates that revenue fluctuations have the highest impact on investment outcomes. The study also presents a detailed implementation roadmap to guide the setup of the new branch, emphasizing community engagement and diversified revenue streams. These results provide actionable insights for SME coffee shop owners seeking sustainable growth through strategic expansion.

Strategic Expansion in the Construction Business: A Financial Feasibility Study of a New Fabrication Workshop Muhaimin Hasbi; Sylviana Maya Damayanti
Journal Research of Social Science, Economics, and Management Vol. 5 No. 12 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i12.1540

This study evaluates the financial feasibility of establishing a steel fabrication workshop for ZAN Construction, a design-and-build contractor in Bandung, and compares two candidate locations: Bekasi City and West Bandung Regency. The research addressed the firm’s dependence on third-party fabrication, which previously caused an estimated opportunity loss of IDR 793 million in a single bridge project. Using a single embedded case design, the study combines quantitative capital budgeting with qualitative strategic analysis. The quantitative model projects a ten-year investment for a workshop with an annual capacity of 1,200 tons, financed equally by debt and equity. The discount rate is calculated through CAPM and adjusted using the firm’s capital structure, producing a Weighted Average Cost of Capital of approximately 11.5%. Financial feasibility is assessed using Net Present Value, Internal Rate of Return, Profitability Index, and Payback Period.The results show that both locations are financially feasible. Bekasi City generates an NPV of approximately IDR 30.1 billion, an IRR of 25.9%, a PI of 2.04, and a discounted payback period of 5.8 years. West Bandung Regency performs better, with an NPV of IDR 33.6 billion, an IRR of 31.8%, a PI of 2.52, and a discounted payback period of 4.7 years. The stronger performance of West Bandung Regency is mainly driven by lower land and labor costs, while both locations use the same revenue and utilization assumptions. Sensitivity analysis identifies raw steel price as the most critical variable, followed by production volume and labor cost.

The Impact of Construction Management Patterns on Housing Quality in Housing Residences Muhammad Yusuf Ali; Sylviana Maya Damayanti; Mulya Amri
Jurnal Ilmiah Manajemen dan Bisnis Vol. 12 No. 1 (2026): Jurnal Ilmiah Manajemen dan Bisnis
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jimb.v12i1.37944

This study examines how construction management patterns, self-performance versus subcontracting, and Project Manager (PM) leadership relate directly to housing quality in a residential project. Using a case study of the Vila Rizki Insani development (IDR 3,800,000/m²), a mixed-method approach integrated unit-level complaint records during a 90-day retention window, pre-handover homecare checklists for ready-stock units, project documents, and semi-structured interviews with PMs, foremen, and estate staff. Quantitative analysis compared the outcomes across two contractors: a self-performing contractor delivering 297 units and a subcontracting contractor delivering 106 units. Self-performing output showed lower normalized complaint rates (minor 2.36%, moderate 2.36%) but included a small incidence of serious defects (0.34%), whereas subcontracting showed a higher minor-complaint rate (8.4%), lower moderate complaints (1.88%), and no serious cases recorded during retention period. Qualitative findings indicate that contracting schemes structure accountability and inspection routines, shaping the PM’s practical leverage over workmanship; transactional control is easier to operationalize under self-performing teams, whereas fragmented trade packages in subcontracting increase interface gaps and finishing rework risk. Overall, contracting schemes and workforce capacity emerged as primary drivers of quality consistency under tight pricing, with complaint response speed influencing perceived quality. The study recommends aligning work packages with supervision capacity and formalizing inspection and post-sales response routines.

FINANCIAL RESTRUCTURING, COST OPTIMIZATION, AND HUMAN RESOURCE TRANSFORMATION IN A DISTRIBUTION COMPANY (PT ASAR ABADI INDONESIA) Adrian Satrioutomo; Erman Arif Sumirat; Sylviana Maya Damayanti
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 4 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/t8rppq26

Penelitian ini bertujuan untuk mengevaluasi kondisi keuangan serta beban operasional PT Asar Abadi Indonesia (AAI), sekaligus menyusun strategi restrukturisasi yang tepat guna meningkatkan kestabilan finansial dan efisiensi biaya operasional. Hasil analisis rasio keuangan menunjukkan adanya penurunan signifikan dalam performa perusahaan, yang ditandai dengan melemahnya Return on Equity (ROE), meningkatnya Debt to Equity Ratio (DER) hingga mencapai 11,99, serta turunnya skor Altman Z menjadi 3,33 pada tahun 2023. Proyeksi keuangan dalam berbagai scenario baik pesimistis, moderat, maupun optimistis secara konsisten memperlihatkan tren negatif terhadap laba bersih dan ekuitas perusahaan. Sebagai langkah penanganan, penelitian ini merekomendasikan strategi utama berupa Debt-to-Equity Swap (DES), dengan fokus pada pengurangan utang kepada pihak berelasi guna menurunkan DER menjadi 5,91. Di samping itu, dilakukan analisis terhadap beban umum dan administrasi (G&A) menggunakan metode common size, dengan pembanding empat perusahaan distribusi yang tercatat di Bursa Efek Indonesia (BEI). Hasil analisis benchmarking menunjukkan bahwa alokasi biaya AAI dinilai kurang efisien, khususnya dalam aspek sumber daya manusia, operasional kantor, dan layanan profesional. Untuk mendukung efisiensi operasional, studi ini juga mengusulkan struktur organisasi baru untuk seluruh entitas dalam grup perusahaan, lengkap dengan rencana implementasi bertahap. Selain itu, penelitian ini menyoroti pentingnya kepatuhan terhadap batas wilayah distribusi sebagai upaya untuk menghindari lonjakan biaya yang tidak perlu. Serangkaian strategi ini diharapkan mampu memperbaiki struktur biaya G&A perusahaan serta memulihkan profitabilitas jangka panjang.

RISK MANAGEMENT IN PROJECT FINANCING OF FERRONICKEL PROJECT: A CASE STUDY OF PT NIKEL MAJU BERSAMA Edward Veldman; Sylviana Maya Damayanti
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 4 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v8i4.15561

This study aims to identify key financial risks in the financing strategy of the Venus Project by PT Nikel Maju Bersama (PT NMB), and to develop effective mitigation plans to ensure the project's continuity and success. The Venus Project is part of Indonesia’s nickel down streaming agenda supporting the electric vehicle (EV) battery ecosystem. A qualitative approach was applied through in-depth interviews and Focus Group Discussions (FGDs) with internal and external stakeholders. Data analysis employed coding methods, SWOT, PESTEL, and stakeholder mapping. The findings reveal that financial risks such as funding delays, capital cost overruns, and market uncertainty significantly threaten project viability. Moreover, the lack of formal documentation on mitigation strategies was noted. Based on these findings, the study proposes a comprehensive risk management framework, including mitigation strategies such as optimized capital structure, financial hedging, and robust covenant design. This study contributes practical insights into financial risk management for large-scale mining projects, especially those utilizing project finance structures. Keywords: Risk Management, Project Financing, Ferronickel, Nickel Down streaming, PT Nikel Maju Bersama

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