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All Journal Primanomics : Jurnal Ekonomi & Bisnis Optimal: Jurnal Ekonomi dan Manajemen
Abdul Aziz Fuadi
Universitas Yudharta Pasuruan
Economics, Econometrics & Finance

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Pengaruh Persepsi Kemudahan Dan Persepsi Kegunaan Pada Platform Investasi Digital Terhadap Sikap Dan Minat Investasi Generasi Milenial Di Kota Malang Antin Rakhmawati; Nurma Leny Yanatul Hikmah; Abdul Aziz Fuadi
Primanomics : Jurnal Ekonomi & Bisnis Vol. 23 No. 1 (2025): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : LPPM Universitas Buddhi Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v23i1.3234

Abstract

The current millennial generation also utilizes digital technology to make investments, such as transacting through digital investment platforms. However, it still depends on the perception of convenience and usefulness. This phenomenon creates a potential market for digital investment platforms, but it also raises questions about how literate millennials are about financial information and how their perception of the platform influences their investment decisions. This research was conducted with the aim of determining the Influence of Perception of Convenience and Perception of Usability on Digital Investment Platforms on the Attitude and Investment Interest of the Millennial Generation in Malang City. The sample used in this study is the millennial generation who are using one of the Digital Investment Platforms with a total of 106 respondents.  The research method in this study is the Quantitative Method and data are obtained from the distribution of Questionnaires offline and online. This study uses the Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) models. Data processing is carried out using the SPSS version 25 application. The results obtained in this study are that the variables of perception of convenience and perception of usability have a significant positive effect on the variables of the attitude of users of the Digital Investment platform. In addition, the variable of perception of convenience has a significant positive effect on the interest of investment users.  Then, in the variable of perception of usability to the variable of user interest of digital investment platforms, it is significant but not statistically fulfilled. Meanwhile, the attitude variable has a significant positive effect on the variable of interest of investment platform users.
Overconfidence Bias dalam Pengambilan Keputusan Keuangan pada PT Alumindo Light Metal Industry TBK: Studi Komparatif Model Altman Z-Score dan Springate dalam Memprediksi Kebangkrutan Abdul Aziz Fuadi; Lailatul Faizziyah; Alfi Maulidatus Sholihah; Inayatul Maula; Dera Fetrisiya
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 5 No. 3 (2025): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v5i3.7468

Abstract

This study aims to analyze the influence of overconfidence bias in the financial decision-making of PT Alumindo Light Metal Industry Tbk and to evaluate the company’s financial condition using two bankruptcy prediction models: the Altman Z-Score and the Springate model. Overconfidence bias refers to the managerial tendency to overestimate their abilities and underestimate risks in making strategic decisions. This research adopts a descriptive quantitative approach using a case study method, with data collected from the company’s financial statements from 2019 to 2023. The results show a consistent decline in both Z-Score and Springate scores, placing the company in the distress zone over the last four years. Despite these warning signs, management continued to pursue expansion strategies and increase debt levels, indicating the presence of overconfidence bias. Both models demonstrated consistent results and proved to be effective early warning tools for detecting bankruptcy risk. This study contributes to a deeper understanding of the importance of mitigating psychological bias in corporate financial decision-making.
Co-Authors Alfi Maulidatus Sholihah Antin Rakhmawati Dera Fetrisiya Inayatul Maula Lailatul Faizziyah Nurma Leny Yanatul Hikmah