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Cipto Wardoyo

Universitas Negeri Malang

Author-ID : 2521913

Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Neuroscience Nursing Physics Public Health Social Sciences Transportation Other

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Strategies for Reducing Heuristic Bias in Investment Decision Making: A Study of Individual Investors Putria, Marissa; Wardoyo, Cipto; Tien Irafahmi, Diana
International Journal of Science, Technology & Management Vol. 6 No. 4 (2025): July 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i4.1338

This study focuses on what strategies are used to reduce the negative impact of using heuristics in decision making. This study aims to examine in depth the relevant strategies that can be used to reduce heuristic bias in investment decision making, especially among individual investors. Qualitative research method with a case study approach, research data was collected using purposive sampling technique on individual investors who actively invest in the capital market, either through stocks or digital platforms such as online mutual funds and trading applications. The research findings consist of one main theme that is in accordance with the focus of the research, namely strategies to overcome heuristic bias, which includes four sub-themes consisting of systematic evaluation and planning, application of practical strategies and self-discipline, use of guidelines for consistency and objectivity, and training to increase awareness and self-control. The findings contribute to the literature in behavioral finance and financial psychology, especially by expanding the understanding of the self-control mechanisms used by investors in responding to cognitive biases. These findings also support and strengthen prospect theory by adding dimensions of contextual and individual control strategies in responding to investment risk and uncertainty.

Presupposition and Entailment in Molly Wright’s Ted Talk: Functions and Implications Malina, Yasa Nur; Wardoyo, Cipto; Permanaludin, Udayani
Journal of English Language and Education Vol 10, No 4 (2025)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jele.v10i4.1117

This study explores the pragmatic phenomena of presupposition and entailment in Molly Wright’s TED Talk, “How Every Child Can Thrive by Five.” Despite her young age, Wright employs advanced pragmatic strategies typically found in adult discourse. Using a qualitative case study approach, the speech was transcribed and analyzed with reference to frameworks by Stephen Levinson and Louise Cummings. The analysis identifies various types of presupposition existential, factive, lexical, structural, counterfactual, and non-factiv ussed to create shared assumptions and enhance message clarity. Entailment is employed to build logical connections and subtly guide audience interpretation. These devices contribute to the speech’s persuasive appeal, emotional resonance, and communicative effectiveness. Rather than directly instructing, Wright fosters reflection by embedding assumptions and cause-effect structures that reduce cognitive load and promote engagement. The findings underscore the strategic use of implicit meaning in persuasive discourse, illustrating that effective communication depends not on age but on the intentional use of language. This research highlights children's potential in formal speech settings and the power of pragmatics in shaping public understanding.

IMPLEMENTASI PANDANGAN FILSAFAT POSITIVISME, PROGRESIVISME, HUMANISME, DAN PANCASILA DALAM PRAKTEK PENDIDIKAN Umami, Nailariza; Wardoyo, Cipto; Hermawan, Agus
Civilia: Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan Vol. 3 No. 2 (2024): Civilia: Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan
Publisher : Civilia: Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Penelitian ini mengkaji implementasi pandangan filsafat Positivisme, Progresivisme, Humanisme, dan Pancasila dalam praktik pendidikan di Indonesia. Dengan metode tinjauan literatur, penelitian ini menganalisis peran masing-masing filsafat dalam membentuk sistem pendidikan yang inklusif dan adaptif. Positivisme memberikan kerangka kerja berbasis data empiris untuk evaluasi dan kurikulum yang terukur, sementara Progresivisme berfokus pada pembelajaran berbasis siswa yang fleksibel dan relevan dengan kebutuhan individu. Humanisme menekankan pengembangan potensi holistik siswa mencakup aspek intelektual, emosional, sosial, dan spiritual. Pendekatan Pancasila mengintegrasikan nilai-nilai moral dan kebangsaan untuk membentuk karakter siswa yang religius, demokratis, dan toleran. Gabungan pendekatan ini menciptakan keseimbangan antara modernisasi pendidikan dengan penguatan nilai-nilai lokal, meskipun menghadapi tantangan seperti ketimpangan sumber daya pendidikan dan kurangnya pemahaman mendalam oleh pendidik. Studi ini merekomendasikan sinergi berbagai filsafat pendidikan untuk menciptakan sistem yang komprehensif dan responsif terhadap kebutuhan masa depan.

The Role of Short-Term Memory in Understanding Spoken Language: A Study Inspired by Finding Dory Fauzyah, Martizha; Listiani, Toneng; Wardoyo, Cipto
Journal of English Education Forum (JEEF) Vol. 5 No. 3 (2025): JUL-SEP 2025
Publisher : Program Studi Pendidikan Bahasa Inggris

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jeef.v5i3.872

This research investigates the role of short-term memory (STM) in the comprehension of spoken language from a psycholinguistic perspective. Anchored in the theoretical frameworks of Alvarez & Cavanagh (2004), Norris (2017), and Jonides et al. (2008), the study explores how impairments in STM disrupt verbal processing, including the ability to retain, decode, and respond to linguistic input in real time. The analysis centers on Dory, a fictional character in Pixar’s Finding Dory (2016), who is depicted as experiencing persistent short-term memory loss. Employing a qualitative descriptive approach and narrative analysis, twenty scenes were selected to examine manifestations of memory-related language breakdowns in naturalistic conversational contexts. The findings reveal consistent disruptions in Dory’s verbal interactions, particularly in turn-taking, following instructions, and interpreting social cues—phenomena that align with contemporary models of STM as a distinct cognitive system from long-term memory. While emotionally salient information is occasionally retained, the character’s inability to maintain immediate verbal context leads to confusion and emotional distress. These results underscore both the linguistic and psychosocial consequences of STM deficits. By integrating psycholinguistic theory with narrative media, the study provides accessible insight into cognitive-linguistic disorders. Future research should explore real-world populations to substantiate these findings and inform educational or clinical interventions.

DETERMINANTS OF FINANCIAL TECHNOLOGY (FINTECH) ADOPTION BEHAVIOR IN PERSONAL FINANCIAL MANAGEMENT AMONG ECONOMICS EDUCATION STUDENTS IN EAST JAVA Kartini, Titin; Sugeng, Bambang; Wahyono, Hari; Wardoyo, Cipto
JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Vol. 13 No. 1 (2025)
Publisher : UNIVERSITAS NEGERI SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jepk.v13n1.p21-58

Rapid advancements in technology related to the fourth industrial revolution have transformed the way financial transactions are conducted, shifting from conventional cash methods to digital finance, also known as fintech. Despite this shift, the adoption of fintech is inconsistent, especially among students, who are an important group for promoting financial inclusion and literacy. This study aims to fill the existing gap by investigating the specific elements that influence fintech adoption among Economics Education students in Java, using the Theory of Planned Behavior (TPB) as a framework. An explanatory quantitative investigation involving 350 students from three accredited universities shows that attitudes, social factors, and digital financial literacy play an important role in shaping students' intentions to use fintech. Importantly, digital financial literacy stands out as a crucial element, both directly and indirectly encouraging responsible financial practices and the adoption of fintech. The originality of this research lies in its examination of the relationship between education and the use of fintech, emphasizing the importance of digital financial literacy in influencing students' financial actions in an increasingly digital economy.

WE PREFER TO WORK ABROAD THAN TO SCHOOL: THE RELATIONSHIP BETWEEN EDUCATIONAL DILEMMA AND ECONOMIC CONDITIONS OF INDONESIAN MIGRANT WORKERS FAMILIES IN PONOROGO Sari, Novita Erliana; Djatmika, Ery Tri; Wahyono, Hari; Wardoyo, Cipto
JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Vol. 12 No. 2 (2024)
Publisher : UNIVERSITAS NEGERI SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jepk.v12n2.p251-272

This research explores various factors that influence the decision of young people in Ponorogo who prefer to work abroad as Indonesian Migrant Workers (PMI) rather than continuing their education and how the family's economic conditions influence the choice to work overseas rather than continuing their education. This research took a qualitative approach with a grounded research design conducted in Pondok Village, Babadan District, Ponorogo Regency. Data was collected by observation and interviews with informants as many as 10 PMI children with ages ranging from 6-20 years. The data was then analyzed descriptively and qualitatively. The research results show that changes in economic activities give rise to a welfare dilemma for young people in Ponorogo who want to become migrant workers rather than continue their education. These results provide valuable insight into the factors that encourage individuals to choose to work abroad rather than continue their education and provide input for better policies to support the education and economic well-being of families in the region.

The Role of Entrepreneurial Self-Efficacy in Measuring the Entrepreneurial Motivation of Vocational High School Students in Lumajang Regency Andrianto, Ahmad; Cipto Wardoyo; Satia Nur Maharani
International Journal of Business and Quality Research Vol. 3 No. 04 (2025): October - December, International Journal of Business and Quality Research (IJ
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v3i04.2392

This study aims to analyze the influence of creative projects and entrepreneurial mindset on entrepreneurial motivation, considering the role of entrepreneurial self-efficacy as a mediating variable. This study uses a quantitative approach with a survey method through hypothesis testing. The sample for this study involved 156 vocational high school students in grade XII in Lumajang Regency. Data analysis was performed using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method. The results of this study indicate that creative projects have a significant positive effect on entrepreneurial self-efficacy and entrepreneurial motivation. In addition, entrepreneurial mindset has a significant and positive effect on entrepreneurial self-efficacy, but does not have a significant and negative effect on entrepreneurial motivation. Self-efficacy plays an important role in this study in mediating the significant and positive effect of creative projects and entrepreneurial mindset on entrepreneurial motivation. Self-efficacy also has a significant and positive effect on the entrepreneurial motivation of vocational high school students in Lumajang Regency. The implications of this study can help vocational high school educational institutions in Lumajang Regency to improve their entrepreneurship programs by directing them towards the development of creative projects to realize entrepreneurial motivatio.

Self-Confidence And Digital Literacy Mediate: The Effect Of Entrepreneurial Knowledge On The Intention To Start An E-Business (A Study Of Vocational High School Students In Pasuruan) Yusuf, Yusuf; Cipto Wardoyo; Ludi Wishnu Wardana
International Journal of Technology and Education Research Vol. 3 No. 04 (2025): October - December, International Journal of Technology and Education Research
Publisher : International journal of technology and education research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijeter.v3i04.2394

This study aims to analyze the effect of entrepreneurial knowledge on the intention to start an e-business among students at SMKN Pasuruan, with digital literacy and self-confidence as mediators. The main issues raised are whether entrepreneurial knowledge directly affects the intention to start a business and what role digital literacy and self-confidence play in this process. The method used is a quantitative approach with data collection through questionnaires from vocational high school students in Pasuruan. The data were analyzed using a path analysis model to test the relationship between the variables studied. This study also adopted a cross-sectional design to see the relationship between variables at a certain point in time. The results show that entrepreneurial knowledge does not have a direct impact on e-business entrepreneurial intention, but it has an indirect effect through self-confidence and digital literacy. In conclusion, increasing self-confidence and digital literacy is very important to encourage entrepreneurial intention, while entrepreneurial knowledge needs to be supported by students' psychological factors and digital capabilities.

Positive Politeness on Strategies of Expressing Apologies by English Department Students of UIN Sunan Gunung Djati Bandung Wardoyo, Cipto
Buletin Al-Turas Vol. 23 No. 2 (2017): Buletin Al-Turas
Publisher : Fakultas Adab and Humaniora, Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/bat.v23i2.5786

This paper tries to describe the strategies of English department students in expressing apologies and their positive politeness strategy while expressing apologies. The data sources are students of UIN Sunan Gunung Djati Bandung, the data are taken by using DCT (Discourse Completion Test). Students of UIN Sunan Gunung Djati use various strategies in expressing apologies when they express apologies to the lecturer for coming late to class; they tend to use IFID followed by the explanation and IFID followed by request. Moreover, when students express an apology to their friends, they use IFID + Promise and IFID+ Explanation. The strategies of expressing apologies to the parent show that the highest number of strategies in expressing apologies by students is IFID+ Explanation and IFID+ Responsibility + Explanation. Positive politeness strategy is performed by students by using the honorific “sir”. On the other hand, positive politeness strategy of expressing apology to a friend, the students use more intimacy words such as “bro, mate, friend”. Students who express an apology to parents tend to use intimacy words such as “Mom, Dad, and Mommy”.Keywords: pragmatics, politeness, speech acts, strategies of expressing apologies. AbstrakPenelitian ini mencoba mendeskripsikan strategi mahasiswa jurusan Bahasa Inggris dalam mengungkapkan permintaan maaf dan strategi kesantunan positif yang digunakan ketika melakukan tindak tutur meminta maaf. Sumber data siswa UIN Sunan Gunung Djati Bandung, datanya diambil dengan menggunakan DCT (Discourse Completion Test). Mahasiswa UIN Sunan Gunung Djati menggunakan berbagai strategi dalam mengungkapkan permintaan maaf. Ketika mereka mengungkapkan permintaan maaf kepada dosen karena datang terlambat mereka dominan menggunakan strategi IFID diikuti dengan penjelasan, dan IFID diikuti oleh permintaan. Ketika mahasiswa menyampaikan permintaan maaf kepada teman, mereka menggunakan IFID + Janji dan IFID + Penjelasan,. Ketika mahasiswa mengungkapkan permintaan maaf mereka lebih banyak menggunakan strategi IFID + penjelasan dan IFID+ tanggungjawab+ penjelasan. Strategi kesantunan positif dilakukan oleh mahasiswa dengan menggunakan kata "sir”. Di sisi lain, strategi kesantunan positif untuk mengekspresikan permintaan maaf kepada teman, para mahasiswa menggunakan kata-kata yang lebih intim seperti "bro, mate, friend", sedangkan ketika dengan orang tua mereka menggunakan “Mom, Dad dan Mommy” Kata kunci: pragmatik, kesantunan, tindak tutur, strategi permintaan maafDOI : 10.15408/bat.v23i2.5786

Accounting from Chinese Entrepreneur Perspectives Windasari, Ihsanul; Handayati, Puji; Wardoyo, Cipto
International Journal of Applied Business and International Management Vol 5, No 3 (2020): December 2020
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v5i3.983

This research aims to describe the meaning of accounting on Chinese businessperson perspective. It was conducted at Chinese beekeeping in Malang Regency. Observations, interviews, and documentations were used as data collection technique on this study. This study is qualitative research with phenomenology approach focusing on thought, individual and society as the object of analysis. It was interesting to determine how Chinese entrepreneurs perceive accounting since many entrepreneurs believe Chinese entrepreneurs can be relied on. This study contended that Chinese entrepreneurs see accounting as (1) information; (2) calculation (decision based); and (3) accountability.

Co-Authors Achmad Maulana Adyaksa Adam Gumilang Rahmawan Adi Sucipto, Adi Aditya Eka Trisnawati Agry Pramita Agung Hariyono Agung Haryono Agus Hermawan Agus Hermawan Agus Salim Mansyur, Agus Salim Agus Wibowo Ahmad Rifki Amar Salahuddin Amoret, Zuvika Andang Saehu, Andang Andini, Nauriyah Andrianto, Ahmad Andryani Andryani Anggini, Novia Dwi Anindya Apriyanti Anwar, Syahlafiya Ar'Reza, Ida Fatmawati Ardiansyah, Edi Irgi Azhar Ibrahim Bagus Shandy Narmaditya Bambang Sugeng Bayu Permata Bety Nur Achadiyah Brillian Rosy Budi Eko Soetjipto Cahya Maulana, Yudha Christine Desideria Jahi Citra Kusuma Dayat, M Dennis Kumala Sari Denny Bernardus Devi Aprilia Ratnasari Dewi Rahayu Diana Tien Irafahmi Dimas Putri Mega Pratesa Djoko Dwi Kusumojanto Dudung Ma'ruf Nuris Dwi Wulandari EF, Abd Hannan Ega Saiful Subhan Eliza Silviana Miftakh Ely Siswanto Endang Sri Andayani Erlan Aditya Ardiansyah Erlan Aditya Ardiansyah Ery Tri Djatmika RWW Etika Novitasari Fahriza, Muhammad Fajriyah, Lutfiana Fauzyah, Martizha Fazlur Rahman Rahawarin Febriani Putri, Sheila Fery Dwi Candra Fulgentius Danardana Murwani Hanif Rani Iswari Hanif, Muhammad Nabhan Hari Wahyono Hariyono, Agung Heri Pratikto Ida Fatmawati Ar'Reza Ihsanul Windasari Iis Nurindah Sari Iis Nurindah Sari Iis Ristianingsih, Iis Ika Nur Khomariyah Imanuel Deny Krisna Aji Indah Dzikriah, Sukmawati Jatiperwira, Stefan Yudana Kamaluddin, Mohamad Ihsan Kaulika, Adinya Kalya Khilmatul Mauludah Kurniawan Kusumojanto, Djoko Dwi Laksono Trisnantoro Liestya Padmawidjaja Lisa Rokhmani Listiani, Toneng Ludi Wishnu Wardana Lutfiana Fajriyah Lu’luul Mukaromah M Dayat M. Dayat M. Dayat Madziatul Churiyah Mahmud Mahmud Malina, Yasa Nur Martha, Jefry Aulia Maulana, Muhamad Trian Moliani, Ayuneng Indah Mukti, Muhammad Abdee Praja Mustofa, Muhammad Ifan Ali Mutiara Anggela, Ucha Nailariza Umami Nanda, Hanjar Ikrima Noor Faresi Putra Novia Dwi Anggini Novita Erliana Sari, Novita Erliana Novitasari, Etika Nugraha, Muhammad Fajar Cahya Nujmatul Laily Nur Astaman Putra Nurhasanah Nurholis Nurika Restuningdiah Permanaludin, Udayani pramita, agry Puji Handayati Purwantiningsih, Estu Setyo Putri, Arum Serina Putri, Reni Sovia Putria, Marissa Ramadani, Tri Ramadhani, Jihan Medina Ratna Dwi Nastiti Rayyan Ramadhan, Wildan Restya Dwi Amalia Rheza Hafid Prastia Risnawati Risnawati Rizky Firmansyah Rohim, Ahmad Miftahur Rosmiza Bidin RR. Ella Evrita Hestiandari Ruminda Ruminda Saptaria, Lina Sari, Dennis Kumala Satia Nur Maharani Satrio, Yogi Dwi Septiandari, Fika Sheila Febriani Putri Slamet Fauzan Sri Andayani , Endang Sri Pujiningsih Sri Umi Mintarti Sudarmiatin Sugeng Hadi Utomo Sulis Rochayatun Sunaryanto Syafiq, Alif Muhammad Titin Kartini Umami, Nailariza Ummi Saadah Vega Wafaretta Vindi Kusuma Wardani Wahyu Kawitaning Kinasih Wardana3, Ludi Wishnu Wardani, Vindi Kusuma Windasari, Ihsanul Wisman Wisman, Wisman Yatmikasari, Ika Yoga Mestika Putra Yongky Teguh Setiaji Yongky Teguh Setiaji Yuliani, Syafhara Dewi Yusuf Yusuf Zulfida, Bilqis Rizqia

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