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Journal : JOURNAL OF APPLIED INFORMATICS AND COMPUTING

Analysis of BRIsat Investment Success from Financial and Nonfinancial Perspectives Adyasari, I Gusti Ayu Agung Wiwin; Dwi Putri, I Gst. Agung Pramesti; Dewi, Eka Grana Aristyana
Journal of Applied Informatics and Computing Vol. 10 No. 1 (2026): February 2026
Publisher : Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaic.v10i1.11895

Abstract

Investment in information technology within the banking sector requires not only financial viability but also public acceptance, particularly for state-owned enterprises (SOEs) that carry both commercial and social mandates. This study aims to evaluate the success of PT Bank Rakyat Indonesia (Persero) Tbk.’s BRIsat satellite investment from both financial and nonfinancial perspectives. A Cost–Benefit Analysis (CBA) was employed to assess financial feasibility using BRI’s publicly available financial statements from 2014 to 2024, while sentiment analysis using the Naive Bayes algorithm was conducted to examine public perception based on social media data from platform X covering the period 2016–2024. The financial analysis indicates that the BRIsat investment is financially feasible, with a Return on Investment (ROI) of 2.58%, a Payback Period of 6.2 years, a positive Net Present Value (NPV) of IDR 166,161,960, and a Benefit Cost Ratio (BCR) of 184.9, suggesting that every IDR 1 invested generates IDR 184.9 in economic benefits. From the nonfinancial perspective, sentiment analysis of 10,066 valid tweets reveals that 55.90% of public sentiment is negative (5,627 tweets), while 44.10% is positive (4,439 tweets), with the Naive Bayes model achieving an accuracy of 96.76%. Positive sentiment is primarily associated with keywords such as “successful,” “fast,” and “service,” reflecting appreciation for BRIsat as a strategic innovation, whereas negative sentiment is dominated by terms such as “error,” “failed,” and “disruption,” indicating persistent technical issues in digital banking services. These findings highlight a clear contradiction between the strong financial performance of the BRIsat investment and the predominantly negative public perception of service quality. The study implies that the success of large-scale technology investments in SOEs cannot be assessed solely through financial metrics, but must be accompanied by continuous improvements in operational reliability and digital service quality to ensure sustainable value creation and public trust.
Co-Authors A. A. Istri Ita Paramitha A.A Istri Ita Paramitha Adyasari, I Gusti Ayu Agung Wiwin Anak Agung Ngurah Redioka Ardhi Putra , Ida Bagus Asih, Ni Kadek Rita Astri Astawa, Ni Luh Putu Ning Septyarini Putri Ayyubi, Vieri Nurgracie Al Bagus Putu Wahyu Nirmala Baskara, Ida Bagus Gede Dewi, Desak Putu Nitya Dewi, Dewa Ayu Eka Ratna Dewi, Putri Anugrah Cahya Dharma, Eddy Muntina Dwi Putri, I Gst. Agung Pramesti Evayanti, Ni Luh Putu Nestri Farikha Dwi Nur Qossina Januar Febriana Santana Febriana Santana Giri Wijaya, Gede Wesbyana Givari, I Made Ardian Gunawan, Putu Amelia Chrysilla Helmy Syakh Alam I Gede Budasi I Gede Juliana Eka Putra I Gede Juliana Eka Putra I Gede Putu Krisna Juliharta I Gst. Agung Pramesti Dwi Putri I Nyoman Yudi Anggara Wijaya I Nyoman Yudi Anggara Wijaya I Putu Satwika I Wayan Darma Yasa I Wayan Darma Yasa Jemris Obet Beay Kanoko, F. Maheswara Jevero Kumaraarta, Kadek Rian Lingga Wiguna Muhamad Aji Pandean Mertayasa Ni Kadek Cindy Andini Ni Kadek Pebriyanti Ni Luh Aristya Dewi Ni Luh Aristya Dewi Ni Made Nadila Firda Yanti Nitya Dewi, Desak Putu Purnawan, Nathanael Putrapratama Putra, A.A.Gede Adi Mega Putra, Anak Agung Gede Adi Mega Putra, I Kadek Pande Dheva Brahmantya Putra, I Komang Yoga Gangga Putri Anugrah Cahya Dewi Putu Kerti Nitiasih Santana, Febriana Satwika, I Putu Sudiatmika, Ida Bagus Kresna Sutresna, I Made Utami, Nengah Widya Wardani, Wina Pertiwi Putri Yasa, I Gusti Agung Made Suparta Yasa, I Wayan Darma Yoga, I Gede Prana Yoga, I Putu Agus Tirta