UNAIR NEWS A student from (UNAIR) has earned second place and the Best Individual award at the Astra Credit Companies (ACC) Business Case Competition, held Wednesday (April 30, 2025), at Berijalan Office in Yogyakarta. The honors went to Ivan Wijaya Kusumo, a Management student at UNAIR檚 Faculty of Economics and Business (FEB).
Kusumo explained that he initially registered for the competition as an individual. However, upon being selected as a finalist, he was placed in a team with two students from other universities. 淚 ended up working with two teammates from different universities. Despite coming together only during the final round, we successfully identified the core issue and delivered a compelling presentation, he said.
Shifting preferences in car financing
For the competition, Kusumo檚 team addressed the evolving preferences of Generation Z regarding car financing. 淲e were challenged to analyze a real-world problem攊n this case, Gen Z檚 changing attitudes toward car financing. Our aim was to explore what Gen Z expects from companies like Astra, particularly within Indonesia, he explained.
Through their research, they found that Gen Z tends to favor flexibility and avoids long-term commitments. 淎 traditional five-year car loan feels restrictive to many in Gen Z. They generally prefer options that allow them more mobility and freedom, he noted.
To address this issue, the team proposed a concept called Flexible Car Financing, which offers various payment plans and timeframes tailored to individual financial capacities. 淭his model allows Gen Z to purchase cars with the option to trade or delay payments based on their needs, explained Kusumo, who also serves as a teaching assistant.
Best Individual achievement
Alongside the team award, Kusumo received the Best Individual accolade among all competition finalists. He shared that the selection was based on several factors, including participation, presentation ability, analytical skills, and teamwork.
He emphasized that having a strong understanding of the automotive financing industry was critical to his performance. 淐ar financing is still relatively unfamiliar to many in Gen Z, which made it all the more important to study the industry in depth, he said.
In addition to industry knowledge, Kusumo stressed the importance of key competencies such as problem-solving, analytical thinking, and critical thinking. 淭hese three skills are essential in nearly every business case competition. They檙e central to how judges assess participants, added the UNAIR DWDG Vice President.
Author: Rizma Elyza
Editor: Yulia Rohmawati
