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p-Index From 2021 - 2026
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This Author published in this journals
All Journal Journal Of Human And Education (JAHE) International Journal of Multidisciplinary Sciences and Arts
Rola Nurul Fajria
Politeknik Negeri Semarang, Indonesia
Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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From Intuition to Automation: A Comparative Study of Traditional Investment Decisions and Robo-Advisory Adoption Among Retail Investors in Indonesia Kenneth Pinandhito; Prima Ayundyayasti; Rola Nurul Fajria; Toga Aldila Cinderatama; Dina Yeni Martia
International Journal of Multidisciplinary Sciences and Arts Vol. 4 No. 3 (2025): International Journal of Multidisciplinary Sciences and Arts, Article July 2025
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/ijmdsa.v4i3.6463

Abstract

The development of digital technology has transformed the investment decision-making process from being based on human analysis to automated algorithm-based solutions such as robo-advisors. This study aims to compare traditional and technology-based investment decision-making approaches among retail investors in Indonesia, focusing on adoption, perceived trust, and effectiveness of robo-advisor use. Using quantitative descriptive-correlational approach to compare traditional and technology-based investment decision-making methods, this study collected survey data from 120 individual. The results show a significant positive correlation between trust in traditional methods and the use of investment applications, although the adoption rate of robo-advisors is still low. The main barriers faced are low digital literacy and lack of trust in automated systems. These findings emphasize the importance of targeted investor education and increased transparency on robo-advisory platforms. This study contributes to the literature on fintech adoption in emerging markets and offers practical insights for fintech developers and policymakers.
An Analysis of The Impact of Work Life Balance and Flexible Arrangements on The Welfare of Banking Sector Employees Heriyana Heriyana; Risa Andriani; Taty Noorhayati; Diddo Adding Adove; Rola Nurul Fajria
Journal Of Human And Education (JAHE) Vol. 6 No. 4 (2026): Journal of Human And Education (JAHE)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v6i4.2903

Abstract

The banking sector is known as an industry with high levels of work pressure, long working hours, and strict performance target demands, which have the potential to reduce the level of welfare of its employees. This study aims to analyze the effect of Work-Life Balance (WLB) and Flexible Work Arrangements (FWA) on employee welfare in the banking sector. This quantitative research with a causal associative explanatory design involved 210 commercial bank employees selected using a purposive sampling technique. Primary data were collected through the distribution of structured questionnaires with a 5-point Likert scale and analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) through SmartPLS software. The results of the analysis indicate that Work-Life Balance and Flexible Work Arrangements have a positive and significant effect on employee welfare in the banking sector, both partially and simultaneously. These findings emphasize the importance of implementing work-life balance policies and work flexibility to reduce stress levels, prevent burnout, and improve the psychological and financial well-being of workers in the financial services industry. Keywords: Work-Life Balance, Flexible Work Arrangements, Employee Welfare, Banking Sector, SEM-PLS.
Co-Authors Diddo Adding Adove Dina Yeni Martia Heriyana Heriyana Kenneth Pinandhito Prima Ayundyayasti Risa Andriani Taty Noorhayati Toga Aldila Cinderatama