Ferry Novindra Idroes
Universitas Bunda Mulia

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Financial Knowledge Financial Attitudes and Personality as Key Determinants of Financial Management Behavior Among Young Adults Michelle Phang; Tannia Tannia; Elkunny Dovir Siratan; Ferry Novindra Idroes; Hendri Setiadi
Journal of Accounting and Finance Management Vol. 6 No. 6 (2026): Journal of Accounting and Finance Management (January - February 2026)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v6i6.2995

Abstract

This study examines determinants of financial management behavior among Indonesian youth aged, a productive cohort that is central to economic resilience yet faces persistent challenges in budgeting, saving regularity, and long-term planning. Building on behavioral finance perspectives, the framework integrates financial knowledge, financial attitude, and personality to address a documented research gap in Indonesian youth contexts where cognitive explanations are often examined without sufficient integration of affective and psychological factors. Using a quantitative survey design with a five-point Likert scale, data were collected from 435 purposively selected respondents meeting criteria related to age, residence, income/allowance, and active financial management experience. Data were analyzed in SPSS (v25) through instrument testing and multiple regression procedures (validity, reliability, t-test, F-test, and model fit indices). The result is intended to inform youth-focused financial education and policy initiatives by emphasizing integrated interventions that strengthen literacy, cultivate constructive attitudes, and support self-regulatory development through practical learning.
Optimization of Human Resource Analytics to Support Strategic Decision Making in Modern Talent Management Abdurrahman Sadikin; Sulistiyanto Sulistiyanto; Berlianingsih Kusumawati; Siti Mahmudah; Ferry Novindra Idroes
SOSIOEDUKASI Vol 15 No 2 (2026): SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/sosioedukasi.v15i2.8671

Abstract

This study examines the optimization of human resource analytics in supporting strategic decision making within modern talent management. The research employs a library research approach by reviewing books, scientific journals, research articles, reports, and other relevant literature related to HR analytics, talent management, and strategic decisions. Data were collected through literature review techniques and analyzed using content analysis to identify patterns, relationships, and significant findings. The results indicate that HR analytics plays a strategic role in improving recruitment effectiveness, performance management, employee retention, workforce planning, leadership development, and organizational performance. Furthermore, the study finds that the successful implementation of HR analytics depends on data quality, technological capabilities, analytical competencies, leadership support, and strategic integration. The findings suggest that organizations can enhance decision quality and achieve sustainable competitive advantages by optimizing the use of workforce data. Therefore, HR analytics should be considered a strategic organizational capability that supports evidence-based talent management and long-term business success.
Cryptocurrency regulation challenges for financial stability, investor protection, and monetary policy effectiveness worldwide across economies Hendri Setiadi; Andam Dewi Syarif; Gregorius Paulus Tahu; Ferry Novindra Idroes; Barnabas Tridig Silaban
Jurnal Indovisi Vol. 8 No. 1 (2026): Jurnal Indovisi
Publisher : Indonesian Indovisi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32698/19075308

Abstract

The rapid growth of cryptocurrency markets has created significant regulatory challenges for governments, financial authorities, and policymakers worldwide. This study examined how regulatory fragmentation affected financial stability, investor protection, and monetary policy effectiveness across different economies. A qualitative library research approach was employed by reviewing academic literature, international policy reports, and regulatory documents concerning cryptocurrency governance. The findings revealed that differences in regulatory frameworks across jurisdictions created governance gaps, facilitated regulatory arbitrage, complicated cross-border supervision, and weakened risk management. Regulatory fragmentation also increased vulnerabilities to financial instability, limited the effectiveness of investor protection mechanisms, and created challenges for monetary policy implementation in increasingly digitalized financial systems. These challenges were interconnected and could not be effectively addressed through isolated national measures. The study concluded that stronger international regulatory coordination and greater consistency in cryptocurrency governance are essential to strengthen market integrity, financial resilience, investor confidence, and long-term monetary stability in the evolving global digital economy.