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All Journal Jurnal Pengabdian Masyarakat Bhinneka (JUMPER)
Ponjaya Tri Handayani
Politeknik Negeri Pontianak, Indonesia
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Public Health Social Sciences

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The Influence of Overconfidence Bias, Loss Aversion, and Herding Behavior on Stock Investment Decisions among Retail Investors Liestyowati; Rahma Nurzianti; Ponjaya Tri Handayani; Seno Lamsir
Journal Management & Economics Review (JUMPER) Vol. 3 No. 10. 1 (2026): Special Issue: Call For Paper JUMPER
Publisher : Malaqbi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jumper.v3i10. 1.793

Abstract

This study investigates the influence of behavioral biases, specifically overconfidence bias, loss aversion, and herding behavior on stock investment decisions among retail investors. Grounded in the principles of Behavioral Finance, the research challenges the assumption of investor rationality by examining how psychological factors shape financial decision-making. A quantitative research approach was employed, using structured questionnaires to collect data from 250 retail investors. The data were analyzed using descriptive statistics, reliability analysis, correlation, and multiple regression techniques. The findings reveal that all three behavioral biases have a significant positive impact on investment decisions. Among them, overconfidence bias emerged as the most influential factor, indicating that investors who overestimate their knowledge and abilities are more likely to make assertive and frequent investment decisions. Herding behavior was also found to significantly affect decisions, suggesting that investors tend to follow the actions of others, especially in uncertain market conditions. Additionally, loss aversion plays a critical role, as investors exhibit a strong preference to avoid losses, consistent with Prospect Theory. The model explains a substantial proportion of variance in investment decisions, highlighting the importance of psychological factors in financial behavior. The study contributes to the growing literature on behavioral finance by providing empirical evidence on the role of cognitive biases in retail investment decisions. It also offers practical implications for investors, financial advisors, and policymakers by emphasizing the need for increased awareness, financial education, and strategies to mitigate the adverse effects of behavioral biases. Overall, the findings underscore the importance of integrating behavioral insights into investment decision-making frameworks to better understand and improve investor outcomes in modern financial markets.
Pelatihan dan Pendampingan Aparatur Desa dalam Meningkatkan Tertib Administrasi, Pengelolaan Keuangan, dan Digitalisasi Sistem Pelaporan di Kecamatan Sukamara Qisthi Ardhi; Yani Riyani; Susan Andriana; Mahyus Mahyus; Ponjaya Tri Handayani; Muhammad Noer Oktavian; Hasna Abdul Rahman; Alimaturraiyah Alimaturraiyah; Wahyudi Wahyudi; Henri Prasetyo
Jurnal Pengabdian Masyarakat Bhinneka Vol. 5 No. 2 (2026): November
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v5i2.1861

Abstract

Aparatur desa di Kecamatan Sukamara, Kabupaten Sukamara, menghadapi kebutuhan peningkatan kapasitas dalam tertib administrasi, pengelolaan keuangan, pengarsipan dokumen, dan pemanfaatan sistem digital untuk pelaporan. Kegiatan pengabdian kepada masyarakat ini dirancang untuk memperkuat kompetensi aparatur desa melalui pelatihan dan pendampingan yang terintegrasi. Sasaran kegiatan meliputi kepala desa atau sekretaris desa, bendahara desa, kepala urusan atau kepala seksi, serta pendamping lokal desa, dengan estimasi 26 peserta dari delapan desa/kelurahan di Kecamatan Sukamara. Pendekatan yang digunakan adalah partisipatif dan pendampingan intensif melalui observasi dan koordinasi, penyusunan modul, workshop, praktik pengelolaan administrasi dan keuangan, pendampingan lapangan, serta evaluasi melalui pre-test, post-test, uji keterampilan, dan survei kepuasan. Solusi yang dirancang mencakup penyusunan prosedur operasional standar, sinkronisasi pencatatan dengan aplikasi Sistem Keuangan Desa (Siskeudes), serta pemanfaatan penyimpanan awan dan dashboard pelaporan desa. Dokumen sumber memuat target peningkatan skor pengetahuan minimal 30%, 80% peserta mampu melakukan input data tanpa kesalahan, dan tersedianya modul serta dokumentasi. Namun, data numerik realisasi kegiatan dan hasil evaluasi aktual belum tercantum secara terukur dalam dokumen yang menjadi dasar penyusunan artikel ini.
Co-Authors Alimaturraiyah Alimaturraiyah Hasna Abdul Rahman Henri Prasetyo Liestyowati Liestyowati Mahyus Mahyus Muhammad Noer Oktavian Qisthi Ardhi Rahma Nurzianti Seno Lamsir Susan Andriana Wahyudi Wahyudi Yani Riyani