Customer’s Cybersecurity Awareness in Indonesian Online Clothing Micro, Small and Medium Enterprises

In the current technological era, almost every business operation and transaction are conducted through cyberspace, including micro, small and medium enterprises (MSME). However, MSMEs pose the greatest vulnerability to cyber-attacks due to their limitation in both awareness and resources. Multiple research found that people significantly affect cybersecurity more than the technical aspect. Thus, making cybersecurity awareness vital for every business, especially MSMEs. Currently, most cybersecurity awareness research is focused on the perspective of MSMEs and their owners. Limited cybersecurity awareness research assesses MSMEs in Indonesia, especially in the online clothing sector. This research will contribute to assessing cybersecurity awareness from MSME customers’ perspective and aims to recommend Indonesian online clothing MSME environment to raise cybersecurity awareness. The researcher used a survey and a semi-structured interview to assess the overall cybersecurity awareness of Indonesian online clothing MSME customers. The semi-structured interview also explored respondents’ opinions on raising cybersecurity awareness in the Indonesian online clothing MSME. The result shows a variety of levels of cybersecurity awareness among respondents. Correlation tests were conducted and found several aspects that were affecting respondents’ cybersecurity awareness. The interview results also support the findings in the survey whilst also contributing to providing recommendations to raise cybersecurity awareness.Keywords: Customers, Cybersecurity, Cybersecurity Awareness, Cyber-attack, MSM

Improving Business Performance Using Financial Planning towards Application Based Business: Study Case of Antri.in

Indonesia is ranked as the fifth country with the greatest number of startups in the world (Yudistira), more than 80% of those startups were an application-based business. The problem arises that startup failure rates are around 90% (Neil, 2015). In fact, the financial aspect is the second most contributing factor that causes a startup to fail (Angelucci). In addition, we found that Antri. in also faced the same problem as most startups, which is financial problems. Antri.in is an application-based startup company that provides an integrated system to do online queueing. Antri.in implements the system of subscription fee as the company’s main revenue stream and advertisement as company’s secondary revenue stream. The researchers use financial modeling projection to project the company’s finance. In 5 years, antri.in is projected to lose 7 billion rupiah as we are still in the developing / early stage. From the discussion and root cause finding, the reason for Antri.in loss is because Antri.in cash flow is bad, it needs a huge cost to operate while the company revenue and income is still limited. As the result, there are 4 solutions to prevent Antri.in’s lost, which are cost priority, human resource plan, business model expansion, and exit strategy.Keywords: Application, Financial Modeling and Planning, Business Technology, Internet of Things

Decision-Making Process in Developing A “Quick Win” Program to Increase Oil Production in PHE Subholding Upstream

Throughout 2021, PT PHE as an Subholding Upstream, faced the issue of unachieveable drilling well target with the realization only 88.4% of the YTD RKAP Revisi target, and 84% of the RKAP Revisi target that were successfully onstream. This issue has an impact on the oil production target from August to December 2021 where the total realization of oil production up to Q4 in 2021 was 88.2% of the oil production target. This study aims to select and determine the decisionmaking process in order to find a solution to the issue of decreasing oil production volume in the Subholding Upstream, especially in Regional 2 area and determine proposed wells that are easy to execute as the main guide in developing the Quick Win Program in Subholding Upstream. The results of calculations using the Weight Sum Model method in the form of alternative rankings in the Regional 2 and from the calculation with the DTA method, the Quick Win Program simulation showed an increase in production compared to the original case in forecasted production profile of the RKAP 2023 development wells.Keywords: Weighted Sum Model, Decision Tree Analysis, Quick Win Progra

Esports’ Feasibility as an Entertainment Media: A Study

This research is conducted to find and determine the perks the public can get by engaging in Esports, the adverse effects that can affect Esports and making suggestions on how to improve the Esports scene. This study will be based on interaction in Esports, viewership in Esports, toxicity and aggressive behavior in Esports, as well as in-game purchases in Esports. The results of the data analysis showed that interaction in Esports, viewership in Esports, and in-game purchases in Esports have a positive effect on Esports’ feasibility as an entertainment media. On the other hand, no significant effect was found on toxicity and aggressive behavior in Esports to the feasibility of Esports as an entertainment media.Keywords: Esports; In-game purchases; Media consumption; Online gaming; Toxicity; Video game

Risk Management in Collateral Credit: A Case Study in PT. Jamkrida (Perseroda) Sulawesi

This paper presents an exploratory study regarding risk management in collateral credit organizations, particularly in PT. Penjaminan Kredit Daerah (Jamkrida) (Perseroda) Sulawesi Selatan. The term collateral credit is unfamiliar to some people, even though the role of collateral credit is essential for MSMEs before applying for credit loans in a specific bank. In addition, the organization’s role in supporting MSMEs is in line with their vision, contributing to regional economic development. This paper aims to determine the business process of collateral credit organization; to identify its risk management application; to determine the internal and external analysis of the business in order to achieve public awareness regarding collateral credit. The research methodology used in this paper is a qualitative approach using by exploratory case study method. The data was collected from the interview with board of commissioners and collateral credit manager. Furthermore, the analysis of TOWS strategy resulted in an in-depth analysis of PT. Jamkrida’s business’s development purpose.Keywords: Collateral Credit; MSMEs; Regional Economic Development; Risk Management

The Effects Of Digital Maturity And Financial Performance On Stock Return: Evidence From Indonesian Tech Public Companies

As part of the digital technology trend, many companies disclose their digital activity to measure the firm’s digital maturity to welcome new wave of datadriven digital technologies. In Indonesia, the technology sector has significant growth. Although digital technology trends are new, the technology sector is categorized as a good performer, measured by the vast stock return. Therefore, this study uses technology companies that have a high digital maturity index recorded from 2016 to 2020 with a total sample of 10 companies. Digital maturity measurement using textual quantification method or text query in the annual report. The number of digital activities mentioned is quantified using a tercilebased to avoid noise. Panel data regression is used with a Common Effect Model as well as the robustness test. The results show that digital maturity and profitability, as measured by Return-on-Asset (ROA), have no significant effect on stock returns. On the other hand, Sales Growth has a significant positive effect on stock returns. Therefore, investors and managers can consider aspects of sales growth to get a good stock return performance in technology companies. However, sales growth is susceptible to the company’s external factors, so managers must focus on variables that affect sales growth.Keywords: Technology Companies, Digital Maturity, Profitability, Sales Growth, Stock Retur

Impact of Mutual Funds Online Platform in Increasing the interest in Investment from generation Z’s in Indonesia

Digital solutions and technologies have a lot of potential to bring solutions towards business services [36]. In the financial sector, Investment is an important component in the growth of the economy, especially in developing countries like Indonesia. Because it is a volatile component of GDP That brings direct contribution to economic activity. One of the forms of investment is Mutual Fund that is relatively safer and mostly used by youths in Indonesia. Current capital market is dominated by Generation Z and Millenials that reached a number of Single Investor Identification until 3.58 Million (KSEI, 2021). Because the number of investors from Gen Z is still relatively modest, this research aimed to study the impact of online mutual fund platforms in increasing the interest of Generation Z in investment. With a quantitative method using a survey to 215 Generation Z mutual funds online platform users in Indonesia, the result showed that the impact of it to its behavioral intentions toward the interest of investment is positively correlated. Also, factors generating that facts are performance expectancy, effort expectancy, facilitating condition and habit which are components of UTAUT 2 theory by Venkatesh, 2000

Analysis Of The Relationship Between Financial Literacy And Financial Behavior Toward Financial Distress In Generation Y And Z During Covid-19 Pandemic (Case Study Bandung)

The world’s economic contraction in recent years is unavoidable, given the increasing number of deaths caused by Covid-19 infection. Economically, Indonesian people are unprepared to deal with the country’s economic paralysis. People of all income levels, from the poorest to the richest, are seeing income declines, implying that many previously financially secure people have become poor or were on the verge of becoming poor. As the result, the number of Indonesians making loans is growing. However, this rapid disbursement was followed by a drop-in borrowers’ compliance to pay installments. In this research, multiple linear regression was used to analyze the relationship between financial literacy and financial behavior toward financial distress in generations Y and Z. The result was financial literacy and financial behavior have a positive and moderate relationship toward financial distress. Furthermore, generations Y and Z in Bandung have a moderate level of financial literacy, and during the Covid-19 Pandemic, based on the InCharge Financial Distress/Financial WellBeing scale (IFDFW), generations Y and Z in Bandung experienced moderate financial distress.Keywords: financial literacy, financial behavior, financial distress, IFDF

Formation Of Indonesia Economic Policy Uncertainty Index For 2014-2021

This research uses information in printed newspapers to create a proxy for measuring uncertainty by forming Indonesia Economic Policy Uncertainty Index for 2014-2021. The index was built by analyzing an extensive data set of articles containing the terms ‘economics’ and ‘uncertainty’ in Bahasa. The text-mining topic modeling method of the Latent Dirichlet was applied to look for terms in the articles that referenced ‘policy.’ Based on the frequency of article publication, an index with a mean of 100 and a standard deviation of 1 was created. The IEPU index topics consist of eight main policy categories; monetary, fiscal, trade, domestic regulation, international regulation, geopolitics, energy/ resources, and politics. In addition, its movement can be described based on economic uncertainty events that happened on the timeline. This research also compares the formed index with pre-existing uncertainty indices, namely the VIX index, the GEPU index, and the WUI index for Indonesia.Keywords: Uncertainty, Policy, Volatility, Text-Minin

The Influence Of Environmental Awareness In Consumer Towards Purchase Intention For Eco-Friendly Detergent Products Of DET-URGENT

Abstract - Environment is an aspect of life that is largely inseparable from how human beings cultivate and nurture their lives. However, recent events have perpetuated the damage taken by the environment around the world. One of which is Indonesia, where it is projected that the effect of damage suffered by its environment could increase the probability of natural disasters of every possible kind. Simultaneously, there is also a shift in lifestyle in how the people live their livelihood. There is a surge of green products and lifestyle trends in the world, Indonesia included. Several researchers have found the connection between the awareness of how susceptible the environment is to harm and the purchase intention of green products. Det-Urgent is a company that focuses on environmentally friendly products, more specifically detergents. The company utilizes the local resources of Belimbing Wuluh as well as Lerak fruits, where they mostly rely on local farmers as the main supplier for raw materials needs. For this reason, extensive market research is absolutely necessary, because currently limited studies that specifically divulge deeply about environmentally friendly detergents are quite limited. Det-Urgent has integrated environmental awareness in their marketing strategies and with this research would like to understand better if there is a profound relationship between environmental awareness and purchase intention towards eco-friendly friendly detergents. This research will delve deeply into the relationship between environmental awareness and purchase intention towards eco-friendly friendly detergent. The method that will be utilized is a quantitative method with survey as its main data collection instrument. Furthermore, the data that have been collected would then be analyzed using the multiple regression method. Regression method would then be used to deeply study the relationship between environmental awareness and purchase intention in potential customers. The variables that would be considered are as follows, purchase intention as the dependent variable whereas for the independent variables there would be environmental awareness, subjective norm, perceived behavior and finally attitude towards the product. This is because the basis of this research is the theory of planned behavior by Icek Ajzen. The minimum required of respondents for this research is a total of 105 people, where anything below that number is considered to be insufficient and unfit for data processing. Based on the survey, there are a total of 142 respondents that fulfilled the criteria that is needed for this research. The criteria that are applied for this research is the respondents must have a prior experience of cleaning products or detergents and they must reside within Bandung, Surabaya and Gresik. From the data that had been collected and subsequently analyzed, it is determined that environmental awareness on its own does not affect purchase intention towards eco-friendly friendly detergents. Said variable must run through an attitude towards a product first, meaning its influence is an indirect one. It can be concluded that should Det-Urgent wanted to utilize environmental awareness in their marketing strategy, they need to make sure positive attitude towards the products is shaped so that it can subsequently increase the chances of purchasing intention from potential customers.Keywords - Business;EnvironmentalAwareness;Purchase Intentio