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All Journal Bisnis Net : Jurnal Ekonomi dan Bisnis Jurnal Bisnis Kompetitif
Nursan, Elvira
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Economics, Econometrics & Finance Social Sciences

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SARJANA TANGGUH BERDAYA ENTREPRENEUR DENGAN TEKNOLOGI KEUANGAN DIGITAL Marjohan, Masno; Nursan, Elvira; Ika Sari, Sandra Ayu
Jurnal Ekonomi Bisnis Kompetif Vol 4 No 1 (2025): Inovasi, Pemasaran, dan Keuangan dalam Bisnis dan Kewirausahaan Kontemporer
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v4i1.2260

Abstract

The digital economic transformation is driving university graduates to possess competitive edge as adaptive and innovative entrepreneurs. This study aims to examine the role of digital financial technology (Fintech) in empowering university graduates in Indonesia to become resilient entrepreneurs in the digital era. Based on literature analysis and empirical data, it was found that graduates require techno-financial, entrepreneurial, and socio-business competencies to compete and thrive in the Fintech ecosystem. Fintech has been proven to strengthen entrepreneurship through democratizing access to capital, enhancing techno-financial literacy, adaptive market and product validation, strengthening business collaboration and networking, and promoting inclusive entrepreneurship. Although Indonesia has a large digital market potential, including a projected e-commerce market value of USD 130 billion, challenges in digital literacy and complex regulations remain major barriers. This study recommends implementing the 4C strategy—Collaborative Innovation, Customer-Centric Design, Compliance First, and Capacity Building—as an effective approach to fostering sustainable and globally competitive graduate startups.pendekatan efektif untuk mendorong startup sarjana yang berkelanjutan dan berdaya saing global.
DINAMIKA KINERJA KEUANGAN PT GARUDA INDONESIA (PERSERO) TBK PERIODE 2019–2023 Nursan, Elvira; Ningsih, Sri Retnaning Sampurna; Affandi, Ahmad; Alfadilah, Maulidina
Bisnis-Net Vol 9, No 1: MEI 2026
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v9i1.8602

Abstract

This study aims to examine the dynamics of the financial performance of PT Garuda Indonesia (Persero) Tbk during the pre-crisis period, the COVID-19 crisis, and the post-crisis recovery phase from 2019 to 2023. A descriptive quantitative approach is employed using financial statement analysis, including vertical analysis, horizontal analysis, and financial ratio analysis covering profitability, liquidity, solvency, operational efficiency, and market ratios. The study utilizes secondary data derived from the company’s audited annual financial statements and official publications of the Indonesia Stock Exchange. The results indicate that prior to the pandemic, the company’s operational performance was relatively stable but exhibited underlying structural vulnerabilities. During the crisis period of 2020–2021, the sharp decline in air travel demand evolved into significant financial distress, as reflected in declining profitability, weakened operating cash flows, increased leverage, and the emergence of negative equity. In the post-crisis period of 2022–2023, financial performance began to recover in line with demand rebound and financial restructuring, although the recovery remained partial and was not yet fully supported by structural cost efficiency. These findings underscore the importance of strengthening cost efficiency and capital structure to enhance the long-term financial resilience of state-owned airlines in the face of external shocks.
Co-Authors Ahmad Affandi Alfadilah, Maulidina Ika Sari, Sandra Ayu Marjohan, Masno Ningsih, Sri Retnaning Sampurna