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All Journal Griya Journal of Mathematics Education and Application Economic: Journal Economic and Business
Simarmata, Riris Apriani
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Mathematics

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Financial Feasibility Analysis of Green Cleosa Apartment Project Tambunan, Angelica Carolina; Naibaho, Aura Patresia Br; Purba, Laura Annisa; Simarmata, Riris Apriani
Economic: Journal Economic and Business Vol. 4 No. 2 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i2.970

Abstract

This article aims to examine the financial feasibility of the Green Cleosa Apartment development project by PT Bhakti Agung Propertindo Tbk. The analysis was conducted using Net Present Value (NPV), Internal Rate of Return (IRR), Net Benefit Cost Ratio (Net B/C), and Payback Period. The following study uses a quantitative approach based on financial statements for 9 months and the assumption of a 5-year project with a discount rate of 10%. The results of the analysis show that the project has a negative NPV of Rp 49,450,558,543 and an IRR <0.1%, far below the expected discount rate (10%), so the project is considered financially unfeasible. Although the Net B/C of 1.46 indicates a ratio between benefits and costs exceeding 1, this is not enough to cover the negative NPV and low IRR. The Payback Period reaches 99.8 years, indicating that the investment takes a very long time to return, increasing the risk of the project. Thus, the Green Cleosa Apartment project is not financially feasible under current conditions. To improve investment feasibility, it is recommended to re-evaluate the construction cost structure, apartment selling price, and marketing strategy. With improvements in these aspects, it is expected that the project can become more attractive to investors and increase its chances of success.
Analisis Faktor-Faktor yang Mempengaruhi Biaya Asuransi Kesehatan dengan Diagnosa Multikolinearitas Simarmata, Riris Apriani; Nur Maulydia Rizky; Siregar, Raihan Riyadi; Febi Hijriana; Sianturi, Femi Ezrani; Situmorang, Rut Remita A.; Hutabarat, Hanna Dewi Harina
Griya Journal of Mathematics Education and Application Vol. 5 No. 4 (2025): Desember 2025
Publisher : Pendidikan Matematika FKIP Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/griya.v5i4.896

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi biaya asuransi (insurance charges) menggunakan data sekunder dari Kaggle. Data terdiri dari delapan variabel independen dan satu variabel dependen. Analisis dilakukan dengan metode regresi linear berganda, setelah terlebih dahulu dilakukan uji korelasi dan deteksi multikolinearitas. Validasi model menggunakan K-Fold Cross Validation dengan 10 fold menunjukkan model yang stabil dan andal dengan nilai RMSE 6373,668 dan R-squared 0,7245. Hasil penelitian menunjukkan bahwa variabel age (usia), children (jumlah anak), dan discount eligibility memiliki pengaruh signifikan terhadap biaya asuransi, dengan arah hubungan positif. Sementara itu, variabel gender dan region tidak berpengaruh signifikan. Nilai R-squared sebesar 0,7245 mengindikasikan bahwa model mampu menjelaskan 72,45% variasi biaya asuransi. Dengan demikian, faktor usia dan jumlah anak dapat dijadikan acuan penting dalam perhitungan premi, sementara kebijakan discount eligibility perlu ditinjau ulang karena memberikan pengaruh yang sangat besar terhadap biaya. Hasil validasi model mengkonfirmasi keandalan temuan ini untuk diterapkan dalam praktik. Hasil penelitian ini dapat menjadi dasar pertimbangan perusahaan asuransi dalam strategi penetapan harga yang lebih adil dan akurat.
Co-Authors Febi Hijriana Hutabarat, Hanna Dewi Harina Naibaho, Aura Patresia Br Nur Maulydia Rizky Purba, Laura Annisa Sianturi, Femi Ezrani Siregar, Raihan Riyadi Situmorang, Rut Remita A. Tambunan, Angelica Carolina