scholarly journals Financial Planning: Applications to Business Startups "Jamu Partnership" in Indonesia

2021 ◽  
Vol 8 (8) ◽  
pp. 483-487
Author(s):  
Noer Rachman Chakim ◽  
Rhian Indradewa ◽  
Tantri Yanuar Rahmat Syah
Keyword(s):  
Financial Planning ◽  
Financial Analysis ◽  
Feasibility Analysis ◽  
Strategic Decisions ◽  
Financial Decisions ◽  
Business Opportunity ◽  
Investment Plan ◽  
Traditional Health ◽  
Startup Company ◽  
Financial Plan

Background – PT OAM is a startup company in the field of jamu partnerships in Indonesia. Jamu itself is a traditional health drink product originating from Indonesia. As a startup company in running the jamu partnership business, of course PT OAM really needs to carry out financial analysis by calculating and analyzing existing parameters. The data obtained from this analysis will be able to assist company management in making strategic decisions both now and in the future. One of the analyzes is an investment feasibility analysis. In addition, a method to assess the feasibility of an investment is also needed in identifying the prospect of an investment plan. The prospect of an investment plan can be used as a basis for making a decision to accept or reject an unprofitable investment. Financial planning is one of the important aspects for the sustainability of PT OAM jamu partnership business. Method – Using financial plan framework Result – This financial analysis can help companies in financial decisions. Keywords: Financial Plan, Startups, Jamu Partnership, Business Opportunity, Indonesia.

scholarly journals Financial Analysis of Startups Company PT. Limatra Innovation of Subang Honey Pineapple Beverage

2021 ◽  
Vol 8 (10) ◽  
pp. 478-485
Author(s):  
Wisnu Harinugroho ◽  
Rhian Indradewa ◽  
Tantri Yanuar Rahmat Syah
Keyword(s):  
Financial Planning ◽  
Fruit Juice ◽  
Financial Analysis ◽  
Practical Reasons ◽  
Strategic Decisions ◽  
Pineapple Juice ◽  
Start Up ◽  
Pineapple Fruit ◽  
High Level

Background – Pineapple is one of the most popular types of fruit. In addition to delicious fruit, pineapple fruit also has a very high vitamin C content. With a high level of community mobility and practical reasons, many people turn to packaged fruit juice drinks. PT Limatra is a startups company engaged in the trading business that sells various packaged fruit juices, with the product name "NasNas", with the main ingredient being pineapple from the Subang area, West Java. The product is not only original pineapple juice but also has a variety of flavors. As a start-up company, investment considerations are needed, which are useful for making decisions in the short and long term, financial planning is one important aspect for business continuity. Method – Using elements of financial planning, financial statement projections, investment feasibility analysis, and ratios for financial performance analysis. Result – Investment analysis can assist management in making strategic decisions, both short term and long term. Keywords: Investment, Fruit Juice Drink, Financial Analysis, Startups, Financial Modelling, Strategic Financial, Business Plan.

An Analytical Study On Financial Planning And Strategy Formulation

2019 ◽  
Vol 118 (9) ◽  
pp. 28-34
Author(s):  
Dr P. Govindasamy ◽  
Dr.H. Premraj
Keyword(s):  
Financial Planning ◽  
Product Line ◽  
Financial Forecasting ◽  
Strategy Formulation ◽  
Wealth Maximization ◽  
Corporate Growth ◽  
Financial Plan ◽  
New Business ◽  
Future Income ◽  
A Company

Financial Planning and Forecasting is the estimation of value of a variable or set of variables at some future point. A Financial forecasting exercise is usually carried out in order to provide an aid to decision – making and planning of any line of business for future developments. This paper focuses insurance segments and tailored all the key areas of attention are such as assets, liabilities, marketing, human resources, expenditures, digitalization and technology inclusion, etc., all in one term called as wealth maximization. Financial planning and forecasting represents a blueprint of what a firm proposes to do in the future. So, naturally planning over such horizon tends to be fairly in aggregative terms. We need to focus on common elements which include economic assumptions, target forecast, proforma statements, asset requirements and the mode of financing the investments and so on. A financial plan can also be an investment plan, which allocates savings to various assets or projects expected to produce future income, such as a new business or product line, shares in an existing business. Financial forecast and financial plan can also refer to an annual projection of income and expenses for a company, division or department. This can also be an estimation of cash needs and a decision on how to raise the funds, such as through borrowing or issuing additional shares in a company. Forecasting is also used by outsiders to value companies and their securities. This is the aggregative perspective of the whole firm, rather than looking at individual projects. Growth is a key theme behind financial forecasting, so growth should not be the underlying goal of corporation – creating shareholder value is enabled through corporate growth.

scholarly journals PROSPECT BUDIDAYA USAHA LEBAH MADU (Trigona sp) DENGAN METODE TOPING DAN STUP

2020 ◽  
Vol 4 (2) ◽  
pp. 13-22
Author(s):  
Safrin Edy ◽  
Laode Al Hemawan Ardi
Keyword(s):  
Honey Bee ◽  
Carrying Capacity ◽  
Honey Bees ◽  
Business Development ◽  
Feasibility Analysis ◽  
Business Opportunity ◽  
Honey Production ◽  
Business Opportunities ◽  
Additional Costs ◽  
Bee Colonies

This study aims to analyze the feasibility of the business and analyze the opportunities and threats of Trigona Ongka farm in Laompo Village, Batauga District, South Buton Regency. The research was conducted from January to February 2020 in Laompo Village, Batauga District, South Buton Regency. The sample in this study was 1 (one) honeybee breeders (Trigona sp). The method used is the independent sample t-test and the R / C feasibility analysis. Business opportunities and threats are analyzed qualitatively. The results showed that the business feasibility of Trigona sp honey bee livestock through the STUP and topping method was 1.5, (R/C > 1), meaning that each additional cost incurred resulted in a larger increase in revenue as much as IDR 1,400,000 for the STUP method and IDR 1,500,000 for the topping method instead of additional costs or simply profitable business activities. The honey bee livestock business opportunity of Trigona sp, namely honey as a favorite that is popular, relatively stable price, partially known production of the community, the location is easy to reach by vehicles, the availability of large land for business development. While the threat of Trigona sp honey bee livestock, namely: lack of environmental carrying capacity, so that environmental improvements and increasing the number of bee colonies are needed to increase honey production, do not have a product brand to be widely commercialized, product quality standardization is still poorly understood by breeders, there is no internal coordination between breeders to strengthen institutions and lack of access to assistance from capital institutions in terms of capital.  Keywords: Prospects, Business Feasibility, Honey Bees

Crisis Situation and Financial Planning for Sustainability

2021 ◽  
pp. 59-82
Author(s):  
Jarmila Duháček Šebestová
Keyword(s):  
Financial Planning ◽  
Research Data ◽  
Financial Resources ◽  
The Czech Republic ◽  
Financial Decisions ◽  
Internal Resources ◽  
Money Flows ◽  
Business Conditions ◽  
The Relationship ◽  
A Company

In any crisis or uncertain situation, it is necessary to carefully decide about three main points: when, what to invest, and which financial sources will be used. A profit reinvestment would be an effective and safe way of circulating money flows in a company. The first wave of COVID-19 has changed business conditions not only in the Czech Republic, but also it has an influence on financial decisions of entrepreneurs on how to use financial resources in individual segments of the company. The main goal of this chapter is to compare the reinvestment behavior in the company before the crisis based on primary research data (at least 425 respondents). The chapter includes results of different preferences influenced by COVID-19 uncertainty, and factor analysis has shown that availability of internal resources was important to survive restrictions and to be able to continue in financial planning to sustainably develop the business. Unfortunately, the relationship between business experience and main motives to invest wasn't confirmed.

scholarly journals Inflation, tax shields and borrowing: Why is the balance sheet of the corporate sector becoming vulnerable?

1987 ◽  
Vol 18 (3) ◽  
pp. 145-151
Author(s):  
N. Biger
Keyword(s):  
South African ◽  
Financial Planning ◽  
Balance Sheet ◽  
Corporate Sector ◽  
Financial Policies ◽  
Equity Financing ◽  
Financial Decisions ◽  
Real Cost ◽  
Tax Shields ◽  
High Inflation

The en-masse bankruptcies of many corporations in high inflation countries in recent years is attributed partially to the pre-recession high-risk financial planning. This paper elaborates on the type of considerations which govern the financial decisions of local firms in an inflationary environment and shows that the real cost of borrowing, even index-linked or hard currency funds may be very low and even negative. This might happen due to common tax laws. This phenomenon lead many business firms to prefer debt over equity financing. The analysis indicates the kind of risk assessment which South African firms might have to conduct when they formulate their credit and financial policies in a high-inflation environment.

scholarly journals RELATIONSHIP BETWEEN FINANCIAL LITERACY AND INDEBTEDNESS: A CASE OF UNIVERSITY OF NAIROBI STUDENTS

2021 ◽  
Vol 8 (65) ◽  
pp. 14993-15007
Author(s):  
Morris Irungu Kariuki
Keyword(s):  
Financial Literacy ◽  
Financial Planning ◽  
Financial Education ◽  
Money Management ◽  
Study Objective ◽  
Financial Decisions ◽  
Descriptive Research ◽  
Study Population ◽  
Level Of Significance ◽  
The University

The study objective was to determine the relationship between financial literacy and indebtedness a case of University of Nairobi Students. The study used a descriptive research design. The study was based at the University of Nairobi, Mombasa Campus. The study population was 2101. The sample size was 336 students. A questionnaire was used to collect the data. SPSS was used to analyze the data. The study attained 83% response rate. Money management, financial planning and financial planning were found to correlate strongly and positively with indebtedness and also significant at 5% level of significance. Therefore, they were found to be major contributors to student indebtedness. The study therefore found that money management, financial planning and financial decisions, affect indebtedness of the students at University of Nairobi. The study concluded that financial literacy affected indebtedness of the students at University of Nairobi. The study recommended that the University of Nairobi should roll out financial education, training, advice and counseling programs targeted at its students.

scholarly journals Dysfunctionality of two-part transfer pricing in investment centers' performance assessment

2020 ◽  
Vol 25 (2) ◽  
pp. 291-304
Author(s):  
Liudmila A. Guzikova ◽  
Igor A. Nechitaylo
Keyword(s):  
Real Options ◽  
Financial Analysis ◽  
Transfer Pricing ◽  
Theory Of Constraints ◽  
Transfer Payment ◽  
Strategic Decisions ◽  
Negative Effects ◽  
Real Options Theory ◽  
Pricing System ◽  
Options Theory

The paper discusses the question of the ability of the two-part transfer pricing system to stimulate investment centers to reject projects with positive NPV and to accept projects with negative NPV when there is no external market for intermediate products. The study revealed under which circumstances investment centers can take such dysfunctional decisions and it investigated if these systems can be modified to eliminate negative effects of such circumstances. In order to solve these problems, methods of financial analysis, real options theory and theory of constraints were used and several hypothetical business situations were modelled to exemplify possible dysfunctional behavior of investment centers when strategic decisions are taken in a decentralized manner. The paper considers the reasons for taking such decisions, such as using average rates of resource costs in calculating the transfer payment, presence of the real options in related projects complex and breaking the five focusing steps of the theory of constraints.

scholarly journals A Discount Technique-Based Inventory Management on Electronics Products Supply Chain

2021 ◽  
Vol 14 (9) ◽  
pp. 398
Author(s):  
Md. Sujan Miah ◽  
Md. Mominul Islam ◽  
Mahmudul Hasan ◽  
Abu Hashan Md. Mashud ◽  
Dipa Roy ◽  
...  
Keyword(s):  
Inventory Management ◽  
Capital Investment ◽  
Financial Risk ◽  
Financial Analysis ◽  
Optimization Technique ◽  
Optimal Strategies ◽  
Business Environment ◽  
Selling Price ◽  
Electronic Products ◽  
Financial Decisions

Inventory management is becoming very challenging for the retailer over the years due to the uncertainty in the demand and supply of products in financial risk and management systems. In a competitive market, running a business smoothly in a highly suitable place is day by day becoming tough due to the very high fare for those locations. Thus, limited storage is available in those elite places with high fares, and a retailer takes a financial risk by stocking huge amounts of products in those limited storage stores. Thus, the appropriate financial analysis is required to find out optimal strategies (financial decisions) to sustain a business organization of electronic products in a global competitive business environment. As a result, when bulk purchases of electronic products, for example, T.V., Fridges, Oven, etc., have been made by the retailer, he faces two problems. The first one is related to the limited storage; as a result, he has to pay a considerable amount to hold the products for a long time. The second one is shortages of liquid money as he invested massive amounts. To avoid these problems, he offers some price discounts on the market’s original selling price to sell the products quickly for a limited time prior to recovering his capital investment. For that reason, a price, time, and stock dependent realistic demand function have been considered in this proposed paper with two modes of discount policy. The proposed model has been solved by a classical optimization technique from calculus and provides some insights for the retailer. Some numerical examples and graphs are provided to illustrate the model.

Financial planning for retirement of self-employed workers in the Ghanaian economy

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Edmond Ofori
Keyword(s):  
Financial Planning ◽  
Driving Forces ◽  
Developing Economies ◽  
Private Insurance ◽  
Probit Model ◽  
Credit Union ◽  
Risk Level ◽  
Retirement Plans ◽  
Content Type ◽  
Financial Plan

PurposeThe purpose of this study was to ascertain the types of financial plan Ghanaian self-employed workers have towards their retirement, and the main forces that motivate these workers to financially plan for their pension.Design/methodology/approachThe study focused on self-employed workers aged from 15 to 60 years. Questionnaires were administered in gathering data for the study. The researcher used probit model in analysing the driving forces behind self-employed workers' financial planning for retirement.FindingsThe study revealed that bank/credit union/savings and loans savings, building of apartments for renting, investment in SSNIT pension, investment in treasury bills/fixed deposits, investment in ownership of business and private insurance pension are the types of financial plan that exist for self-employed workers towards their retirement. The study found that age, marital status, level of education, household size, number of children, renting a house, life style of the future retiree, income, risk level of job and types of retirement plan are the driving forces behind the retirement plans of self-employed workers.Practical implicationsUsing the identified types of financial plan and driving forces in this study, governments in the developing countries can develop and implement self-employed pension schemes, educate and encourage more self-employed workers to plan for their retirement.Originality/valueAnalysing the driving forces behind retirement plans of self-employed people in developing economies.

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