Cliff Kohardinata

Dr. Cliff Kohardinata, S.E., M.M., Ak.

Joined:

2010

Major:

Accounting

Academic rank:

Associate Professor

Cliff Kohardinata, SE., M.M., Ak. is a Assistant Professor in Universitas Ciputra. He joined Universitas Ciputra since 2010 and currently part of Management.

Author Pages

ORCiD	https://orcid.org/0000-0003-2769-5503
Google Scholar	https://scholar.google.co.id/citations?user=4JeJAYEAAAAJ
Scopus	https://www.scopus.com/authid/detail.uri?authorId=57214994595
SINTA	https://sinta.kemdikbud.go.id/authors/profile/6656650

International Journal indexed by Scopus/WoS

• The Role of Peer-to-Peer Lending in Supporting Rural Banks and Expanding Financial Access in Less-Developed Provinces. QUALITY Access to Success (2025)
• Carbon emission disclosure and PROPER: Are they attractive to foreign investors?. Uncertain Supply Chain Management (2024)
• Enhancing Micro, Small, and Medium Credit (MSME) through P2P Platforms in Normal and Tight Banking Liquidity. QUALITY: Access to Success (2024)
• P2P lending and banking credit for MSMEs and Non-MSMEs post COVID-19 pandemic: Does it matter?. Decision Science Letters (2024)
• Peer-To-Peer Lending (P2P) As Disruptive, but Complementary In COVID-19 Exogenous Shock. Business: Theory and Practice (2024)
• Renewable Energy Consumption, ESG Reporting, and Fixed Asset Turnover: Does it Work in Asia?. International Journal of Energy Economics and Policy (IJEEP) (2024)
• Collaborative enhancement of non-MSME credit and optimization of banking idle funds through P2P platforms. Uncertain Supply Chain Management (2023)
• INDONESIAN PEER TO PEER LENDING (P2P) AT ENTRANT’S DISRUPTIVE TRAJECTORY. Business: Theory and Practice (2020)
• Peer-to-Peer lending platform: from substitution to complementary for rural banks.. Business: Theory and Practice (2020)

International Journal

• Capabilities and Failure: Can support a person to start a business?. International Journal of Accounting, Finance and Business (IJAFB) – Ini yang International Journal (2020)

National Journal indexed by Sinta

• Bridging The Gap: Peran Platform P2P Dalam Mengatasi Penjatahan Kredit bagi UMKM. EKOMA (2026)
• Analysis of Word of Mouth and Social Media Marketing on Purchase Decisions with Brand Awareness as Intervening Variable at Mitrakuli.Id. Journal Research of Social Science, Economics, and Management (2025)
• Fixed Assets Optimization To Increase Recurring Income In The Property and Real Estate Sector. Jurnal Akuntansi Bisnis (2025)
• Pengaruh Kinerja Tata Kelola terhadap Harga Saham Perusahaan : Peran Mediasi Kinerja Sosial. Perspektif Akuntansi (2025)
• Predicting Year-End Financial Performance: Can Quarterly Earnings Be Used as an Indicator?. Journal of Accounting, Entrepreneurship and Financial Technology (JAEF) (2025)
• The Role Of Assets In Driving Recurring Revenue In Property And Real Estate. Ekombis Review – Jurnal Ilmiah Ekonomi dan Bisnis (2025)
• HOW DO ORGANIZATIONS SHARE RESPONSIBILITY FOR AUDITOR JOB SATISFACTION AND POOR PERFORMANCE?. Jurnal Akuntansi Multiparadigma (2024)
• The Indonesia's Financial Landscape: P2P Loan Growth, Banking Performance, and The Covid-19 Connection. AKRUAL: Jurnal Akuntansi (2024)
• Literasi Keuangan dari Drama Korea: Studi Netnografi Atas Konstruksi Nilai. Journal of Education Research (2024)
• Sinyal Pertumbuhan Laba Bersih: Apakah Triwulan-Triwulan Sebelumnya Menentukan Kinerja Akhir Tahun?. EKOMA (2024)
• Peran Platform P2P Sebagai Komplemen Bagi Perbankan dalam Meningkatkan Akses Keuangan Pada Wilayah-Wilayah Tertinggal. EKOMA:Jurnal Ekonomi, Manajemen, Akuntansi (2024)
• Platform P2P dan Perbankan: Akses Keuangan Bagi Provinsi-Provinsi Tertinggal. J-CEKI:Jurnal Cendekia Ilmiah (2024)
• Impact of Tax Implementation on Fintech P2P Loans in Indonesia. EconBank: Journal Of Economics and Banking (2023)
• Impact of tax regulation on the development of financial technology in Indonesia. Journal of Enterprise and Development (JED) (2023)
• Is There God in Postmodern Accounting?. Journal of Education Research (2023)
• Pengaruh Pinjaman Peer To Peer (P2P) Terhadap Kredit Perbankan untuk UMKM Dan Non UMKM Saat Pandemi COVID-19. Business and Accounting Education Journal (2023)
• Pertumbuhan Pinjaman Peer-to-Peer (P2P) Terhadap Pertumbuhan Kredit Modal Kerja, Investasi, dan Konsumsi: Disruptif pada Perbankan di Indonesia-kah?. Jurnal E-Bis: Ekonomi-Bisnis (2023)
• Efek Substitusi Pertumbuhan Pinjaman Peer-to-peer (P2P) terhadap pertumbuhan kredit bank konvensional di Indonesia. Jurnal Lentera Akuntansi (2023)
• Kinerja Perusahaan dan Nilai Pasar: Bukti Empiris Pada Sektor Perbankan Dengan Tingkat Current Account Saving Account Rendah. INNOVATIVE: Journal Of Social Science Research (2023)
• Kontribusi Penelitian Universitas terhadap Pendapatan Industri: Bukti Empiris dari Top University di Indonesia. Journal on Education (2023)
• Mediating Effect Of Return on Asset on The Effect Between Internal Capital Disclosure And Stock’s Return. Bima Journal –Bussiness Management and Accounting (2023)
• Menjadi Hamba Publikasi, Berdampakkah pada Education index di Asiatic Region?. Journal on Education (2023)
• Pengajaran dan Pendapatan Industri untuk Meningkatkan Pandangan Internasional pada Universitas-Universitas di Indonesia. Journal on Education (2023)
• Pengaruh Digital skill dan Literasi Keuangan terhadap Penyaluran Pinjaman P2P di luar Pulau Jawa. Jurnal Pendidikan Tambusai (2023)
• Pengaruh DPR Dan NPM Terhadap Roe Pada Situasi Casa Rendah. Sengkuni Journal (2023)
• Pengaruh Financial Technology terhadap Indeks Pembangunan Manusia di Indonesia. Journal on Education (2023)
• Pengaruh Inklusi Keuangan Untuk Penyebaran Pinjaman P2P di Indonesia Pasca Covid-19. INNOVATIVE: Journal Of Social Science Research (2023)
• Pengaruh Literasi Teknologi Informasi dan Komunikasi (TIK) terhadap Pinjaman P2P di Indonesia. Jurnal Pendidikan Tambusai (2023)
• Pengaruh Pinjaman P2P Terhadap PDB Indonesia Pasca PandemiCovid-19. Jurnal Pendidikan Tambusai (2023)
• Pengaruh Video Online-Music Streaming terhadap Literasi Digital di Indonesia. Tonika: Jurnal Penelitian dan Pengkajian Seni (2023)
• Determinant Effect of CASA and NPM on Market Ratio of Banks Listed in IDX. Business and Finance Journal (2022)
• Perilaku Herding Investor Coronial yang Bertransaksi Pada Akun Saham Syariah. Jurnal Ilmiah Ekonomi Islam (2022)
• [file:///C:/Users/Cliff/Downloads/615-61-1716-1-10-20211019%20(1).pdf The Role of Entrepreneurial Role Model Influencer and Entrepreneurship Education towards Entrepreneurial Intention. PRIMANOMICS : JURNAL EKONOMI DAN BISNIS (2021)]
• Financial Literacy Effect and Fintech in Investment Decision Making. Primanomics : Jurnal Ekonomi & Bisnis (Universitas Buddhi Dharma) (2020)
• Pengaruh Regulasi dan Kolaborasi Terhadap Literasi Keuangan dalam Upaya Penerapan Financial Technology pada Usaha Kecil dan Menengah. Business and Finance Journal (2019)

National Journal

• Dampak Packaging dan Product Quality terhadap Kepuasan Konsumen Pada Produk Sambal Dapoer Kuno. PERFORMA: Jurnal Manajemen dan Start-Up Bisnis (2018)
• KEBIJAKAN DAN STRATEGI PENGELOLAAN MANAJEMEN MODAL KERJA. Jurnal Bisnis Perspektif (2017)

International Proceeding

• Benjamin Graham's Stock Valuation Formula (Case study of PT. Wintermar Offshore Marine). The 2nd international seminar and call paper in management and business (Universitas Mercubuana) (2015)
• Finding company with durable competitive advantage through interpreting income statement (a case study of go public poultry feed's companies in Indonesia. 12th Insyma (International annual symposium on management) (2015)

National Proceeding

• ANALISIS MANAJEMEN MODAL KERJA PADA USAHA SKALA MENENGAH DI SURABAYA. Prosiding CMBS 2017 (2017)

Copyright

• Modul Prinsip (2021)

Formal Educations

Year	Level	School/Institution/University
2000	S1	Universitas Airlangga
2005 - 2008	S2	Universitas Airlangga