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All Journal Ilomata International Journal of Management Journal of Financial and Behavioural Accounting Amkop Management Accounting Review (AMAR)
Hermajiwandini, Chandra Murti Dewi Widowati
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Factors That Affect the Value of Non-Financial Companies in Indonesia Saputro, Dio Bimo; Afaqa Hudaya; Hermajiwandini, Chandra Murti Dewi Widowati
Journal of Financial and Behavioural Accounting Vol. 4 No. 2 (2024):
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/jfba.v4i2.11384.2024

Abstract

Abstract The purpose of this study is to examine the variables that affect business value. These elements consist of company size, leverage, profitability, liquidity, and dividend policy as a moderating variable. Non-financial enterprises that were listed on the Indonesia Stock Exchange between 2021 and 2023 make up the research's population. Purposive sampling was used to choose the sample, and 102 businesses satisfied the requirements. Multiple regression analysis is used in the study to process the data. The results show that business value is highly impacted by profitability, liquidity, profitability, and leverage, all of which are regulated by dividend policy. On the other hand, firm value is not significantly impacted by liquidity, leverage, firm size, dividend policy, or firm size moderated by dividend policy.
Financial Inclusion Based on Fintech Lending (Peer to Peer Lending) in Indonesia Pradana, Hasta Dwi; Hermajiwandini, Chandra Murti Dewi Widowati; Rahmawati, Dwi
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2617

Abstract

This study aims to analyze the effect of fintech lending on the level of financial inclusion in Indonesia, considering the moderating roles of financial literacy and the Information and Communication Technology Development Index (IPTI). The research applies a mixed methods approach using a convergent parallel design. Quantitative analysis was conducted using panel regression data from 34 provinces in Indonesia for the period 2019-2022, while qualitative data were obtained through in-depth interviews with fintech lending users in two cities. The findings reveal that fintech lending significantly improves financial inclusion. However, financial literacy has a negative moderating effect on the relationship, suggesting that increased literacy may lead to more selective behavior in adopting fintech services. These findings highlight the importance of incorporating financial literacy and ICT infrastructure considerations into fintech policies to optimize its role in expanding financial inclusion.
Integrating Circular Economy and Sustainable Innovation to Drive Value in Ergo-Iconic Agricultural Products Andriyansah; Fatimah, Fatia; Hermajiwandini, Chandra Murti Dewi Widowati; Nurhayati, Suci; Graciafernandy, Maria Augustine; Nurdiyah
Ilomata International Journal of Management Vol. 7 No. 2 (2026): April 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v7i2.2152

Abstract

The circular economy (CE) has moved to the center of sustainability-driven innovation, with agriculture playing a pivotal role due to its large biomass flows and potential for resource optimization. This study investigates how CE practices relate to sustainable innovation, specifically highlighting value creation for “ergo-iconic” agricultural products—goods that uniquely combine ergonomic functionality (usability, durability, and human-centered design) with culturally embedded, sustainability-oriented identity attributes (place-based branding, heritage value, and symbolic meaning). Employing a qualitative exploratory design in Banten, Indonesia, we conducted semi-structured interviews with ten key informants comprising five agro-industry practitioners, three industry analysts, and two NGO representatives. We complemented this primary data with rigorous document analysis to ensure a holistic understanding of the context. Thematic analysis and triangulation were employed to establish the credibility of the findings. The results indicate that circular business models not only reduce waste but also serve as catalysts for broader innovation processes. Three primary drivers consistently emerged: (1) stakeholder engagement, (2) cross-sector collaboration, and (3) the adoption of environmentally friendly technologies. Building on these insights, we propose the CircAgriResilient Nexus (CAR-Nexus)—a comprehensive framework that conceptualizes circularity as a dynamic nexus connecting four pillars: Circularity, Agri-Innovation, Resilience, and Nexus Governance. CAR-Nexus differs from existing sustainable circular bioeconomy models by explicitly positioning resilience as a core system capability and by integrating a provisional Resilience Index Score (RIS)—a conceptual tool that synthesizes resource efficiency, social progress, and economic robustness to guide balanced assessment of circular transitions. This framework clarifies how circular resource flows, eco-innovation, and inclusive governance jointly enhance market, environmental, and social value within the Industry 4.0 era. The study contributes theoretically by articulating an integrative CE-innovation-resilience nexus tailored specifically to agri-food systems, and practically by outlining actionable levers for firms and policymakers to accelerate circular transitions in developing economies.
Co-Authors Afaqa Hudaya Andriyansah . DWI RAHMAWATI Fatia Fatimah Maria Augustine Graciafernandy Nurdiyah Pradana, Hasta Dwi Saputro, Dio Bimo Suci Nurhayati