Article Per Year (5 Year)
p-Index From 2021 - 2026
3.624
P-Index
This Author published in this journals
All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Pendas : Jurnah Ilmiah Pendidikan Dasar Owner : Riset dan Jurnal Akuntansi BULETIN AL-RIBAATH JURNAL PRODUKTIVITAS J-Dinamika: Jurnal Pengabdian Kepada Masyarakat JURNAL PENDIDIKAN MIPA Jurnal Inovasi Pengabdian Masyarakat Pendidikan Jurnal Sadewa: Publikasi Ilmu Pendidikan, Pembelajaran dan Ilmu Sosial IECON: International Economics and Business Conference JESH: Journal of Economics, Social, and Humanities
Heni Safitri
Universitas Muhammadiyah Pontanak
Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

Published : 47 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 47 Documents
Search

 1   2   3   4   5 
The Influence of Cognitive Dissonance Bias, Overconfidence Bias, and Herding Bias on the Investment Decisions of West Kalimantan Society in the Indonesia Stock Exchange Pebriyanti; Dedi Hariyanto; Heni Safitri
IECON: International Economics and Business Conference Vol. 3 No. 1 (2025): International Conference on Economics and Business (IECON-3)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/3r1f6e85

Abstract

This study examines the influence of cognitive dissonance bias, overconfidence bias, and herding bias on investment decisions in stocks listed on the Indonesia Stock Exchange. The study employs a questionnaire method as a data collection technique, involving a sample of 150 respondents, all of whom are residents of West Kalimantan who invest in stocks on the Indonesia Stock Exchange. The data analysis techniques used include multiple linear regression analysis, multiple correlation coefficient (R), coefficient of determination (R²), simultaneous test (F-test), and partial test (t-test). The results of the study indicate that cognitive dissonance bias, overconfidence bias, and herding bias have a positive and significant influence on investment decisions. This suggests that these three types of behavioral biases play an important role in the individual investment decision-making process. In other words, when investors experience a mismatch between their beliefs and new information, exhibit excessive self-confidence, or tend to follow the decisions of the majority, they are more likely to make investment decisions without thoroughly considering rational analysis. These findings highlight the importance of understanding investor psychology and financial literacy in minimizing the impact of cognitive biases. Proper education and enhanced awareness of financial behavior are expected to help investors make more objective and rational decisions, thereby reducing potential losses and improving the quality of investment decisions in the capital market.
The Influence of Gold Price Fluctuations, Income, and Financial Management on Investment Decisions in Gold Savings with Investment Knowledge as a Moderating Variable Tina Ardianti; Dedi Hariyanto; Heni safitri
IECON: International Economics and Business Conference Vol. 3 No. 1 (2025): International Conference on Economics and Business (IECON-3)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/3gn1sj92

Abstract

This study aims to analyze the influence of gold prices, income, and financial management on the decision to invest in gold savings among employees of PT Bank Syariah Indonesia, Tbk in Pontianak and Kubu Raya, with investor knowledge serving as a moderating variable. An associative research design was employed, with data collected from 151 employees using a saturated sampling technique. The data were analyzed using multiple linear regression and moderated regression analysis (MRA). The results of the study indicate that gold prices have a significant effect on investment decisions, whereas income and financial management do not have a significant impact. Investor knowledge was found to moderate the relationship between gold price fluctuations and investment decisions. These findings highlight the importance of understanding gold price movements and effective financial management when making investment decisions. The study is expected to contribute to the enhancement of financial literacy among employees
The Influence of Loss Aversion, Herding Bias and Regret Aversion Towards Investment Decision to Shareholder in Pontianak Equeza Ermulyawati; Dedi Hariyanto; Heni Safitri
Journal of Economics, Social, and Humanities Vol. 1 No. 2 (2023): JESH: Journal of Social, Economics, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v1i1.149

Abstract

Background: The purpose of this research is to know the influence of Loss Aversion, Herding Bias And Regret Aversion Towards Investment Decision to Shareholder in Pontianak. Method: The research method being used is associational research, with the use of classical assumption test, including normality test, multicollinearity test, and linearity test, meanwhile the statistical analysis used multiple linear regression analysis, analysis of correlation coefficient, coefficient of determination analysis, simultaneous test, partial test. Results: Based on the result of multiple linear regression analysis, it is estimated that the regression equation is Y= 6,741 + 0,446X1 + 0,026X2 + 0,366X3, the analysis of correlation coefficient values is 0,768 showed that the influence of Loss Aversion, Herding Bias and Regret Aversion towards Investment Decision is strong. Coefficient of determination showed that 50,1% of investment decision is influenced by Loss Aversion, Herding Bias and Regret Aversion and the other 40,9% influenced by another variable unstudied in this research. The result of F-test showed that Loss Aversion, Herding Bias and Regret Aversion significantly influenced investment decision. The T-test showed that Loss Aversion alone has had influenced towards investors’ investment decision. The T-test showed that Regret Aversion has had influence towards investors’ investment decision. Conclusion: There is influence of Loss Aversion, Herding Bias and Regret Aversion towards Investment Decision to Shareholder in Pontianak.
PENGARUH MODEL PEMBELAJARAN RADEC (READ, ANSWER, DISCUSS, EXPLAIN, CREATE) TERHADAP KETERAMPILAN BERKOMUNIKASI DAN BERPIKIR TINGKAT TINGGI DALAM PEMBELAJARAN IPAS SEKOLAH DASAR Silvia Dwi Prastiwi; Rismita; Heni Safitri
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01 Maret 2026 Public
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.43819

Abstract

This study aims to determine the effect of the RADEC (Read, Answer, Discuss, Explain, and Create) learning model on communication and higher order thinking skills in elementary school science learning on energy transformation. This type of research is quantitative research. The method used in this study is a quasi-experimental design with a non-equivalent control group. The study population was 543 students with a sample of 66 students determined randomly purposive sampling. The data were analyzed using descriptive statistics, normality test, homogeneity test, and hypothesis test in the form of t-test with the help of SPSS versi 29 for windows program. Based on the results of the study on students communication skills, the average postest results of students in the experimental class were 81.15 after being given learning using the RADEC learning model, while in the control class it was 71.67 after being given learning using the lecture model. Meanwhile, based on the results of the study on students higher order thinking skills, the average postest results of students in the experimental class were 82.09 after being given learning using the RADEC learning model, while in the control class it was 71.09 after being given learning using the lecture model. Based on the results of the t-test on students communication skills, it is known that t count is 5.666>t table of 2.000. While the results of the t-test on students higher order thinking skills are known that t count is 3.900>t table of 2.000. Thus, it can be concluded that the RADEC (Read, Answer, Discuss, Explain, and Create) learning model has an influence on communication and high level thinking skills in elementary school science learning.
The Influence Of Financial Literacy, Financial Self-Efficacy, Financial Behavior Of Paylater Users In The Millennial Generation And Generation Z In Pontianak City Anisa Dinda Rizky; Heni Safitri; Dedi Hariyanto
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 1 (2025): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i1.7700

Abstract

His research aims to determine whether financial literacy, financial self-efficacy, and financial stress influence the financial behavior of PayLater users among millennials and Generation Z in Pontianak City. Using a positive data collection strategy and a sample size of 150 participants, this study adopts an associative methodology. Eligible participants are Pontianak City residents aged 17–44 years and PayLater users. Statistical methods employed in the analysis include multiple linear regression, correlation and determination coefficients, simultaneous testing (F test), and partial testing (t test). The analyzed data is linear, normally distributed, and shows no signs of multicollinearity, as confirmed by the classical assumption test. The research variables exhibit a strong relationship, as indicated by a correlation value of 0.753. According to the coefficient of determination (R²), the variables examined in this study explain 56.7% of the variance in financial behavior, while the remaining 43.3% is influenced by other factors not addressed in this study. Preliminary findings indicate that financial literacy and financial self-efficacy significantly influence financial behavior positively. In contrast, financial stress has a positive effect but is not statistically significant in influencing financial behavior.
COGNITIVE PRESENCE DALAM PEMBELAJARAN BERBASIS MOOCS: STUDI KOMPARATIF ANTARA DOSEN DAN MAHASISWA DI ICE INSTITUTE Titi Chandrawati; Fajar Arwadi; Afriani; Heni Safitri; Nur Hikmah; Laksmi Dewi; Andayani; Siti Julaeha; Monika Handayani; Uliya Khoirun Nisa; Mudayat; Dian Novita; Sri Tatminingsih; Muktia Pramitasari; Mukti Amini; Erna Risnawati; Isti Rokhiyah
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 2026 Release
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.49079

Abstract

This study aims to analyze the level of cognitive presence among lecturers and students in MOOCs-based online learning at ICE Institute using the Community of Inquiry (CoI) framework. The study employed a quantitative descriptive approach. The instrument was adapted from the CoI Survey and validated through expert judgment. The respondents consisted of 38 students and 10 lecturers who actively participated in courses at ICE Institute during the odd semester of 2024. The sampling technique used purposive sampling with the criterion that respondents had completed at least four weeks of lectures. Data were analyzed using descriptive percentage statistics and proportion difference tests. The results showed that 80% of lecturers were categorized as having a high level of cognitive presence, while only 50% of students reached a similar level. Furthermore, 47.3% of students were categorized at a moderate level and 2.7% at a low level. This 30% gap indicates differences in perception and cognitive capacity between lecturers and students. Lecturers were considered highly competent in designing learning activities based on critical reflection; however, students had not fully utilized these opportunities. The study recommends the need for pedagogical interventions such as cognitive scaffolding, collaborative project-based learning, and self-regulated learning training for MOOCs students.
Digital Literacy Paradox: Moderating Effects on E-Commerce Adoption and Financial Planning Among MSMEs Dedi Hariyanto; Heni Safitri
Indonesian Journal of Business and Entrepreneurship Vol. 12 No. 2 (2026): IJBE, Vol. 12 No. 2, May 2026
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.12.2.361

Abstract

Background: Micro, Small, and Medium Enterprises (MSMEs) in West Kalimantan face substantial financial management challenges amid accelerating digital transformation. As a border province geographically distant from Indonesia’s primary economic centers, Pontianak’s entrepreneurial ecosystem is characterized by informal financial practices, uneven digital infrastructure and limited access to formal financial services. These structural conditions create disparities in financial capability and digital readiness among MSME actors.Purpose: This study examines the effects of financial behavior, fintech development, online shopping platforms, and present bias on MSMEs’ financial planning, with digital literacy as a moderating variable within an integrated behavioral–technological framework.Methods: A quantitative causal research design was employed using structured online questionnaires distributed to 262 MSME owners selected through purposive sampling. Six validated constructs were measured using a five-point Likert scale and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 to assess both direct and moderating effects.Results: Financial behavior was the strongest predictor of financial planning, followed by online shopping platform utilization and fintech development. The present bias did not have a significant direct effect. Digital literacy showed no direct influence on financial planning; however, it negatively moderated the relationship between online shopping platforms and financial planning, indicating diminishing marginal returns of e-commerce utilization among MSMEs with higher digital capabilities.Conclusion: Behavioral financial discipline remains the cornerstone of MSME financial planning, regardless of technological sophistication. Digital tools contribute to financial planning when they are integrated with structured managerial practices rather than functioning as standalone solutions.Originality/value: This study extends behavioral finance and technology adoption theories within the urban entrepreneurial ecosystem of Pontianak. The identification of a negative moderating effect of digital literacy reveals non-linear and context-dependent dynamics between digital capability and financial planning outcomes, offering policy-relevant insights into inclusive digital transformation strategies in developing urban economies. Keywords: digital literacy, e-commerce, financial behavior, financial planning, fintech
Co-Authors Aam Amrulloh Afriani Ali Yusuf Altikari Ambo Anas Andayani Andika Fahruzzi Anggi Berlian Safitri Anisa Dinda Rizky Aprianti, Rika Aris Sanjaya Bayu Adi Wijaya Chandra Purna Irawan Cindyros Cindyros Dedi Hariyanto Dedi Haryanto Devi Yasmin Dian Novita Edy Suryadi Edy Suryadi Eka Fitryani Equeza Ermulyawati Fadhilah, Raudhatul Fajar Arwadi Galih Puji Widodo Giriati Giriati Heru Niurmiaswari Isti Rokhiyah Istifani Sucimanah Jestica Arifani Dilla Hardanti Kurnyanti Bela Laksmi Dewi Leni Suharni Maulida Maulida Miea Sari Monika Handayani, Monika Mudayat, Mudayat Muhammad Faturinaldi Mukti Amini Muktia Pramitasari Mustaruddin Mustaruddin Mustika Mustika Nada Wulantika Nadiyyah, Khoirotun Nirmalasari Nirmalasari Nur Hikmah Okka Andy Cahyono Pebriyanti Rian Sofiani Rismita Risnawati, Erna Romi Ferdian Rudi Alfian Samsul Bahari Sarinah Sarinah Selly Septiana Silvia Dwi Prastiwi Siti Julaeha Siti Khatijah Sofi Zulfarida Sri Tatminingsih Sukhesy Eka Putri Supeno Supeno Syifa Azizah Tina Ardianti Titi Chandrawati Tri Nanda Aulia Tuti Purwoningsih Uliya Khoirun Nisa Vebriani Vebriani Virani Mbere Wahyu Darmawan Wendy Widiasih Yusawinur Barella Zakirman