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Heskyel Pranata Tarigan
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Journal of Applied Financial Management (JAFM)
Published by Universitas Dehasen Bengkulu
ISSN : -     EISSN : 31089577     DOI : -
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Journal of Applied Financial Management (JAFM) is a peer-reviewed academic journal that publishes original research, case studies, and reviews in the field of financial management and its practical applications. The journal serves as a platform for scholars, practitioners, and policymakers to discuss issues related to corporate finance, investment strategies, financial planning, risk management, and capital markets.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 15 Documents
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The Role Of Information Technology In Modern Corporate Financial Management Fitri Anggraini; Karona Cahya Susena
Journal of Applied Financial Management Vol. 2 No. 1 (2026): Juni
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v2i1.788

Abstract

Information technology is essential for the financial management of modern organizations, which are fragmented by a highly competitive business environment. This article discusses the role played by information technology in the scope of corporate financial management. This technology has brought fundamental changes in processing and analyzing financial data. In addition, the emergence of this information technology has improved the operational capabilities of a company by mechanizing financial tasks, and also providing fast and accurate access to financial data, and enabling deeper data analysis. By offering quality services, this information technology ensures compliance with increasingly stringent regulations and is very important in financial risk assessment.
The Role of Financial Technology (Fintech) in Increasing Investment Participation among Millennials Liza Apriani; Karona Cahya Susena
Journal of Applied Financial Management Vol. 2 No. 1 (2026): Juni
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v2i1.789

Abstract

The advancement of digital technology has led to various innovations in the financial sector, one of which is financial technology (fintech). This innovation has significantly transformed how society, especially the millennial generation, accesses financial services and participates in investment activities. This study aims to examine in depth how fintech contributes to increasing investment participation among Indonesian millennials. A descriptive qualitative approach is employed through literature review methods, supported by secondary data from authoritative institutions such as the Financial Services Authority (OJK), Bank Indonesia, as well as various industry reports and academic publications. Findings indicate that fintech successfully reduces many conventional barriers that have long hindered young people from investing. These barriers include limited access to initial capital, a lack of credible investment information, and complex traditional investment procedures. Fintech platforms offer more inclusive access through user-friendly mobile applications, educational features, and more affordable and flexible investment options. These features play a significant role in increasing millennials' interest and confidence in investing. Nevertheless, challenges remain in the form of uneven financial literacy and data security risks, which must be managed seriously. This study concludes that fintech acts as a strategic driver of financial inclusion, with great potential to foster a more financially literate and empowered young generation of investors.
Analysis of the Community Satisfaction Index (CSI) toward Public Services at Bengkulu City Regional Water Utility (PDAM) Gilang Fajar Utama; Tito Irwanto; Iswidana Utama Putra
Journal of Applied Financial Management Vol. 2 No. 1 (2026): Juni
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v2i1.1692

Abstract

Public service delivery represents one of the government's primary functions in fulfilling citizens' basic needs and improving the relationship between the state and society. One essential form of public service is the provision of clean water managed by Regional Water Utilities (PDAM). As a public service provider, the Bengkulu City Regional Water Utility (PDAM Tirta Hidayah) is expected to deliver high-quality, effective, and citizen-oriented services. This study aims to analyze the Community Satisfaction Index (CSI) regarding public services provided by PDAM Tirta Hidayah Bengkulu City. A descriptive quantitative approach was employed in this research. Data were collected through a community satisfaction survey administered to PDAM service users using a questionnaire developed based on the Regulation of the Minister of Administrative and Bureaucratic Reform of the Republic of Indonesia Number 14 of 2017 concerning Guidelines for Community Satisfaction Surveys in Public Service Delivery Units. The CSI was measured using nine service elements, namely service requirements, systems, mechanisms and procedures, completion time, costs or tariffs, service product specifications, service provider competence, service provider behavior, complaint handling, and facilities and infrastructure. The results indicate that the overall level of community satisfaction with the services provided by PDAM Tirta Hidayah Bengkulu City falls within the excellent category. Among the nine service elements evaluated, the highest scores were achieved by the elements of systems, mechanisms, and procedures and complaint handling, suggestions, and feedback, with converted index scores of 88.25 and 85.25, respectively. These findings demonstrate the clarity of service processes and the responsiveness of the service provider in addressing public complaints and feedback. Therefore, the quality of public services provided by PDAM Tirta Hidayah Bengkulu City can be considered highly satisfactory from the perspective of service users.
Analysis of Working Capital Management in Improving Corporate Profitability Heskyel Pranata Tarigan; Fitri Khofifah
Journal of Applied Financial Management Vol. 2 No. 1 (2026): Juni
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v2i1.1712

Abstract

Effective working capital management is a crucial aspect of corporate financial management, as it directly influences a company's liquidity, operational efficiency, and profitability. This study aims to analyze the role of working capital management in improving corporate profitability by examining the relationship between key working capital components, including accounts receivable, inventory, accounts payable, and the cash conversion cycle, with profitability indicators. The study adopts a quantitative research approach using secondary data obtained from the financial statements of selected companies over a specified period. Data are analyzed using descriptive statistics and multiple regression analysis to determine the effect of working capital management on corporate profitability. The findings indicate that efficient working capital management significantly contributes to higher profitability by reducing unnecessary financing costs, improving cash flow, and enhancing operational performance. In particular, a shorter cash conversion cycle and optimal management of receivables and inventory are associated with improved financial performance. The study concludes that companies should implement effective working capital management strategies to maintain financial stability and maximize profitability in an increasingly competitive business environment. The findings are expected to provide valuable insights for corporate managers, investors, and policymakers in formulating financial management strategies that support sustainable business growth.
An Analysis of the Effectiveness of Inventory Management in Improving Operational Efficiency Vettyca Diana Saputri; Nevi Fitriani
Journal of Applied Financial Management Vol. 2 No. 1 (2026): Juni
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v2i1.1713

Abstract

Working capital management is a crucial aspect of corporate financial management because it directly influences a company's liquidity, operational efficiency, and profitability. Effective management of current assets and current liabilities enables firms to maintain smooth business operations while maximizing financial performance. This study aims to analyze the role of working capital management in improving corporate profitability by examining the relationship between working capital efficiency and financial performance. The study adopts a quantitative research approach using secondary data collected from the published annual financial statements of selected companies over the observation period. The data are analyzed using descriptive statistics and multiple regression analysis to evaluate the effect of working capital management on corporate profitability. The findings indicate that efficient working capital management contributes positively to corporate profitability by improving cash flow, optimizing inventory levels, accelerating accounts receivable collection, and effectively managing accounts payable. In addition, an efficient cash conversion cycle is associated with higher profitability because it enables companies to recover invested funds more quickly and reduce reliance on external financing. The study concludes that effective working capital management is an essential strategy for enhancing operational efficiency, maintaining financial stability, and improving long-term corporate profitability. The findings provide practical implications for corporate managers, investors, and policymakers in developing financial management strategies that support sustainable business growth and value creation.

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