An Effective Model for Consumer Need Prediction Using Big Data Analytics

Big data is an unstructured data set with a considerable volume, coming from various sources such as the internet, business organizations, etc., in various formats. Predicting consumer behavior is a core responsibility for most dealers. Market research can show consumer intentions; it can be a big order for a best-designed research project to penetrate the veil, protecting real customer motivations from closer scrutiny. Customer behavior usually focuses on customer data mining, and each model is structured at one stage to answer one query. Customer behavior prediction is a complex and unpredictable challenge. In this paper, advanced mathematical and big data analytical (BDA) methods to predict customer behavior. Predictive behavior analytics can provide modern marketers with multiple insights to optimize efforts in their strategies. This model goes beyond analyzing historical evidence and making the most knowledgeable assumptions about what will happen in the future using mathematical. Because the method is complex, it is quite straightforward for most customers. As a result, most consumer behavior models, so many variables that produce predictions that are usually quite accurate using big data. This paper attempts to develop a model of association rule mining to predict customers’ behavior, improve accuracy, and derive major consumer data patterns. The finding recommended BDA method improves Big data analytics usability in the organization (98.2%), risk management ratio (96.2%), operational cost (97.1%), customer feedback ratio (98.5%), and demand prediction ratio (95.2%).

ANALISA LAPORAN KEUANGAN DAN INDIKATOR KEBANGKRUTAN PADA PT. MAYORA INDAH TBK

One way that the company can do so that the company survives, namely by analyzing the company's financial statements, which aims to find out the company's financial situation and development from year to year. The author conducted research on PT. Mayora Indah Tbk, a company engaged in the processed food industry. The purpose of this study is to compare the balances that are considered related, which can reflect the company's financial position and the company's performance. This comparison is better known as the ratio. In addition to the analysis of financial statements, an analysis of indicators of bankruptcy is also carried out on the company's financial statements. Which aims to be able to find out how the condition of a company, whether the company is experiencing financial difficulties and or the possibility of bankruptcy. The research method used in this research is a case study research method with data analysis techniques that use the financial ratio method to determine the performance and financial position of PT. Mayora Indah Tbk, and the bankruptcy method of Altman Models to determine the viability of PT. Mayora Indah Tbk. From the results of the analysis, it shows that the performance and financial position of PT. Mayora Indah Tbk in 2014 to 2018 can be said to be still quite good in the midst of unstable economic turmoil in the period concerned. Where seen from the liquidity ratio and debt management ratio, the company is able to pay off its obligations; for asset management ratios, the company is able to utilize its resources effectively and efficiently; for its profitability ratio, the company has decreased. For the analysis of bankruptcy indicators, the results obtained from 2014 to 2018, the company entered the gray area. Thus, the company is expected to be able to improve itself by knowing the existing weaknesses, and be able to immediately make improvements in order to obtain better results in the coming year.

Spatial and Temporal Patterns of Forest Management Activities from 1990 to 2019 to Demonstrate Additionality for Climate Change Mitigation in the Forest Sector of South Korea

Forest management is key to maintaining and increasing carbon sinks in forests. In the context of climate change mitigation, the exact number of carbon sinks associated with forest management is estimated as the additionality of activities, which means net greenhouse gas (GHG) removals or carbon sequestration over and above those that would have arisen even in the absence of a given activity. This study analyzes the spatial and temporal patterns of forest management activities to present the forest management ratio, of managed area to the total forest area, as an indicator of additionality in forest management in South Korea. Forest management activities based on the IPCC guidelines were spatially constructed, and the characteristics of managed and protected forests from 1990 to 2019 were analyzed. The results indicate that between the managed forests and roads, 90% of the management activities in private forests occurred within 214 m of the road, and 70% of the activities in the national forest occurred within 234 m. Management took place in easy-to-access places with gentle slopes and low elevations. The proportion of protected forests above 40 years old is 87.2%, higher than the average of 72% in South Korea, and it is expected that most forests will age and their carbon absorption capacity will decrease by 2050. The area of tree planting and thinning is approximately 290 thousand ha per year, which could potentially increase the forest management ratio by up to 4.5% per year. However, the actual increase was at an average of 1.4%, owing to the omission of exact information on management activities, such as spatial coordinates and overlapping practices in the same management unit. The forest management ratio in South Korea as of 2019 was 53.4%; therefore, the amount of GHG removal in the forest sectors was 53.4% of total absorption per year. Thus, it is necessary to make efforts to increase the ratio to enhance the contribution of forest sectors to climate change mitigation for the country.

The Effect of Company’s Fundamental, Market Return and Macroeconomic to Stock Return: A Case Study of Consumer Goods Companies Listed in BEI Period 2009-2018

The aim of this study was to understand whether the company’s fundamental factors through liquidity ratio, asset management ratio, profitability ratio, debt management ratio and market value ratio, specifically represented by current ratio, Total Assets Turnover (TATO), Return on Assets (ROA), Debt to Equity ratio (DER) and Earnings per Share (EPS) yield; market return and macroeconomic factors (Gross Domestic Product, interest rate, exchange rate) affect the stock return of Consumer Goods companies’ listed in BEI period 2009-2018. There were various former studies did to correlate stock return with financial ratios or macroeconomic partially. This study was done to understand the effect of the stock return with both company’s factors and macroeconomic factors, partially and simultaneously. This study used quantitative approach, in the area of Consumer Goods companies listed in BEI during period of the research, covering 23 companies that represented 84% of Consumer Goods market capitalization. The methodology being used was data panel regression using Common Effect Model, through 886 observations. The results were (1) partially, TATO, EPS yield, market return and exchange rate affected the stock return (2) simultaneously company’s fundamental, market return and macroeconomic affected the stock return. This means in consumer sector, investors put attention on asset management, earnings yield, market condition and macroeconomic. Therefore, the author recommended that many extended researches can be done on the financial ratios, market return and macroeconomic, using different variable, especially due to TATO affect the stock return while conversely ROA and DER were not.

Rasio Spesifik dan Kinerja Keuangan Bank Umum di Indonesia

<div class="Section1"><p><strong>Abstrak</strong><strong></strong></p><p><strong>Tujuan</strong> - Penelitian yang dilakukan memiliki tujuan untuk menguji dan menganalisa apakah peningkatan kinerja keuangan dapat dipengaruhi oleh rasio permodalan pada perbankan di Indonesia.</p><p><strong>Des</strong><strong>ain</strong><strong>/Met</strong><strong>odologi</strong><strong>/</strong><strong>Pendekatan</strong>- Rasio permodalan diproksikan dengan 5 rasio yaitu <em>loan ratio</em>, <em>deposit ratio, efficiency of management ratio, liquidity assets ratio dan capital adequacy. </em>Untuk menjawab permasalahan yang ada penulis menggunakan sampel dari Bank Umum yang telah tertera pada Bursa Efek Indonesia. Teknik analisis yang digunakan untuk penelitian ini adalah analisis regresi linear data panel. Setelah melakukan proses pengolahan data, peneliti menggunakan metode <em>random effect model</em> untuk memperoleh hasil atas percobaan yang dilakukan<em>. </em></p><p><strong>Temuan - </strong>Hasil yang diperoleh pada penelitian ini menyarankan bahwa untuk meningkatkan kinerja keuangan perbankan harus memperhatikan strategi dalam pemberian pinjaman, alokasi penganggaran dana untuk biaya operasional perusahaan, ketersediaan dana dan nilai kecukupan modal yang dimiliki oleh bank tersebut..</p><p> </p><p><em><strong>Abstract</strong></em></p><p><em><strong>Purpose</strong> - This study aims to test and analyze whether the capital ratio can have a significant impact on improving banking performance. <strong></strong></em></p><p><em><strong>Des</strong><strong>ign</strong><strong>/Met</strong><strong>hodology</strong><strong>/</strong><strong>Approach</strong><strong> -</strong>The capital ratio is proxied by 5 ratios, namely the loan ratio, deposit ratio, efficiency of management ratio, liquidity assets ratio and capital adequacy. To answer the existing problems the author uses a sample from a conventional commercial bank listed on the Indonesia Stock Exchange. The sample is then solved by a linear data panel regression analysis method. After processing data, the method used to give results in this study is a random effect model.</em></p><p><em><strong>Finding </strong>- The results of this study provide advice to those who have an interest that to improve performance must pay attention to the strategies in lending, budgeting allocation of funds for company operational costs, availability of funds and the capital adequacy value of the bank.</em></p></div>

KINERJA KEUANGAN PADA PERUSAHAAN ASURANSI SYARIAH DI INDONESIA DAN PERUSAHAAN ASURANSI SYARIAH DI MALAYSIA PERIODE 2013-2015

The purpose of this research is to determine the differences in financial performance of Islamic insurance in Indonesia and Islamic insurance in Malaysia during the period of 2013-2015. This research method uses quantitative methods, and using sample of three Islamic insurance companies in Indonesia and eight Islamic insurance companies in Malaysia. Subsequently, do different test by using Mann-Whitney Test and Independent Sample T-Test. Assessment of financial performance is measured by the ratio of change of surplus ratio,underwriting ratio, incurred loss ratio, commission ratio, management ratio, premium growth ratio, and retention ratio. The data used is secondary data which is being collected of annual financial report from 2013-2015. The comparison shows that there’s significant difference in, underwriting ratio, andthere are no significant differences in surplus ratio, incurred loss ratio, commission ratio, management ratio, premium growth ratio, retention ratio.

Implimentasi Sistem Bunga dan Bagi Hasil Terhadap Kinerja Keuangan Perbankan

This research is aimed to know difference of the financial performance of the conventional banking and the syariah banking. Financial is measured by using ratios: ratio of capital to asset deliberated by according to risk, ratio of earning asset which classified to earning asset (KAP. I), ratio of allowance for possible earning losses to classified earning asset ( KAP.II), ratio of net operating income to operating income (NPM) representing proxy from management, ratio of profit before interest and tax to total asset ( ROA), ratio of operating expenses to operating income (BOPO), ratio of current assets to current liabilities and ratio of loan to deposit (LDR). This research use the saturated simple, that all bank of state of the public ownerships (BUMN) and bank of the Muamalat Indonesia, by using data of the secondary publicized by the Bank Indonesia each of semester, between period 2003-2011. The analysis instruments used was Multivariate Discriminant Analysis (MDA). Results of this research indicate that the CAMEL approach can determine banking financial performance. Pursuant to statistical test really there was financial performance difference between conventional banking and syariah banking, where conventional banking has better finance performance from syariah banking. This research found that CAR dan LDR; significantly differentiate conventional banking finance performance and syariah banking, in which the CAR was the most dominant

Analysis of the Resilience of Common-Pool Resources during Globalization: The Case of Jeju Common Ranches in Korea

A common-pool resource (CPR) is a type of good consisting of a natural or human-made resource system. Jeju common ranches are historical CPRs located in Jeju Province where mid-mountainous grassland has been shared for livestock farming by the members of adjacent villages since the 10th century. Because of the recent globalization movement, the number of ranches has decreased from 126 in the 1940s to only 53 in 2015; while the majority of the ranches did not survive the transformation, others have remained active by adopting various solutions. In this study, we analyzed the administrative characteristics of the CPRs to explain their current status (i.e., extinction or continuance as a common property) using logistic regression analysis. From this analysis, four statistically meaningful variables were extracted using a forward stepwise selection method; these include the type of ranch management, ratio of land area to population, number of internal committees in the village, and number of local government grants. These variables correlate well with previously recognized ‘community resilience dimensions’ and can be used to explain the fate of the Jeju common ranches during the study period. This study elucidates what community dimensions should be fortified to promote the resilience of Jeju common ranches in order to effectively cope with the on-going effects of globalization.

A BLUEPRINT OF RATIO ANALYSIS AS INFORMATION BASIS OF CORPORATION FINANCIAL MANAGEMENT

Ratio analysis, due to its simplicity, has, for a long time, been one of the most frequently used methods of financial analysis. However, the question is how its results are a good basis for assessment of financial condition of a company by the external users of financial reports. If one takes into account numerous limitations, one can rather say that ratio analysis is a rough approximation of financial situation. What are the limitations, can they be overcome and in what way, can they, at least, be reduced, and to what extent the user has to take a reserved attitude when making business decisions on the basis of ratio analysis? The last but not the least, we should accept the fact that by insisting on financial analysis other aspects of the analyses are, in practice frequently marginalized, thus neglecting the fact that actually they themselves in the most direct manner point to the causes of potential disorders in business activities of a company. Key words: financial management, ratio analysis, reliability.