Claim Missing Document
Check
Articles

Found 2 Documents
Search

Innovation Models and Business Concepts as Context for Radical Innovation in Freshwater Fish Trading Applications. Sandy, Muhammad Dwi Hary; Abdurrahman, Lukman; Fakhrurroja , Hanif
eProceedings of Engineering Vol. 12 No. 3 (2025): Juni 2025
Publisher : eProceedings of Engineering

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Indonesia is a maritime country with abundant fishsheries resources potential. However, fishsh farmers often face challenges in terms of profisht margins and marketing of their catches. An alternative is needed for fishsh sales activities that are anti-price wars and customeroriented. this is due to the lack of market information, so farmers think it is more e昀케cient to sell their harvest to middlemen or collectors because they don’t need to fishnd customers in the market and incur transportation costs for fishsh delivery. However, because of this, the price of fishsh sold will become more expensive with each transfer to a third party, and the profisht margin for fishsh farmers remains small. Based on these problems, the author aims to provide a solution for fishsh farmers by designing an application for fishsh trading transactions. this research utilizes a Design thinking approach simplifished into the stages of the RSM (Recognize, Scrutinize, Materialize) Design Approach in application development. this model is aligned with addressing issues such as low profisht margins and the challenges of independent sales. It also emphasizes the need for collaboration in sales management, such as the existence of digital fishsh cooperatives. Keywords : eFishery Fresh, Radical innovation, RSM model
Predictive Analysis of the Impact of Exchange Rate Fluctuations on the Financial Performance of Multinational Fintech Companies in Indonesia Ridwan, Abdullah; Fakhrurroja , Hanif
Eduvest - Journal of Universal Studies Vol. 5 No. 7 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i7.51249

Abstract

Exchange rate fluctuations are one of the main risks affecting the financial stability of multinational companies, including the digital banking sector in Indonesia. This study aims to analyze the impact of exchange rate fluctuations on the company's financial performance by using a case study on Bank BNI Digital. The financial data used covers the period January 2015 to December 2024, including variables such as exchange rate (IDR/USD), revenue, operating expenses, net profit, equity, liabilities, and exchange rate volatility. A machine learning-based predictive approach was applied through the Random Forest and XGBoost algorithms to evaluate the relationship between exchange rate fluctuations and the company's financial performance. The results showed that exchange rate fluctuations have a weak linear relationship with financial performance, especially company revenue, with a correlation coefficient of 0.01. Nevertheless, the simulation of the impact of the exchange rate on net profit shows that the company is able to maintain financial stability in a scenario of moderate exchange rate changes (±15%). The feature importance analysis of the XGBoost model shows that revenue and operating expenses are the dominant factors affecting financial performance, while exchange rates contribute less. Based on these findings, the study recommends the implementation of forward contracts to manage exchange rate risk, natural hedging strategies to balance currency exposure, and optimization of operational efficiency as a risk mitigation measure. This research provides strategic insights for Bank BNI Digital and similar companies in designing a resilient risk management strategy against exchange rate fluctuations in the global market.