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All Journal Jurnal Pengabdian Kepada Masyarakat Sakai Sambayan Equity: Jurnal Ekonomi Jurnal Akuntan Publik Riset Ilmu Manajemen Bisnis dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan Jurnal Ekonomi, Akuntansi dan Perpajakan Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Jurnal Inovasi Ekonomi Syariah dan Akuntansi Jurnal Ekonomi Manajemen Bisnis dan Akuntansi Global Management: International Journal of Management Science and Entrepreneurship Research of Economics and Business
fitra dharma
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Agriculture, Biological Sciences & Forestry Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Medicine & Pharmacology Social Sciences Other

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The Impact of Overconfidence and Financial Literacy on Application-Based Investment Decisions: The Moderating Role of Religiosity Zahrul Zima; Fitra Dharma; Retno Yuni Nur Susilowati
ROE: Research of Economics and Business Vol. 1 No. 2 (2025): (October) ROE: Research of Economics and Business
Publisher : PT. Altaf Publishing Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70895/roe.v1i2.84

Abstract

This study aims to examine the effect of financial literacy and overconfidence on application- based investment decisions with religiosity as a moderating variable. The research method used a quantitative approach with a survey technique involving 384 respondents who are active users of digital investment applications in the Sumatra region. Data analysis was performed using Partial Least Square- Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The results showed that overconfidence had a positive and significant effect on app-based investment decisions, while financial literacy had no significant effect. Furthermore, religiosity was not found to moderate the relationship between overconfidence and financial literacy on digital investment decisions. These findings confirm that psychological factors, particularly overconfidence, are more dominant than financial literacy and religious values in influencing digital investment behavior. The implication of this study is the need for education that focuses not only on improving financial literacy but also on managing psychological biases so that investors can make more rational decisions.
Studi Pengaruh Intellectual Capital dan Corporate Social Responsibility terhadap Kinerja Pasar pada Perusahaan Bank Umum Konvensional di Bursa Efek Indonesia Periode 2021 - 2024 Reyhan Jaya; Fitra Dharma; Agrianti Komalasari; Doni Sagitarian Warganegara
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 1 (2026): Januari: Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i1.2049

Abstract

The banking sector plays a strategic role in supporting financial system stability and capital market development. Market performance, reflected through stock returns, represents investor confidence in a firm’s prospects and sustainability. In recent years, investors have increasingly considered non-financial factors such as intellectual capital and corporate social responsibility in evaluating firm value. However, empirical findings regarding the effect of these factors on market performance remain inconsistent, particularly in the Indonesian banking sector. This study aims to examine the effect of intellectual capital and corporate social responsibility on market performance of conventional commercial banks listed on the Indonesia Stock Exchange during the 2021–2024 period. This research employs a quantitative approach using secondary data obtained from annual reports and sustainability reports. Intellectual capital is measured using the Value Added Intellectual Coefficient method, while corporate social responsibility is measured using a disclosure index based on the Global Reporting Initiative. Market performance is proxied by stock returns. Data analysis is conducted using multiple linear regression with the Ordinary Least Squares approach. The results indicate that intellectual capital and corporate social responsibility have a positive and significant effect on market performance. These findings suggest that effective management of intangible assets and social responsibility disclosure can enhance investor perception and firm value. The results provide important implications for bank management in formulating value-enhancing strategies and for investors in making investment decisions.  
Co-Authors Adien Husnun Nabila Alhafiz, Aulia Aditiya Ayu Dwiny Octary Dadan Kurniawan Devi Saputri Doni Sagitarian Warganegara Fajar Gustiawaty Dewi Fajar Gustiawaty Dewi Fathur Rahman As Shiddiq Fidela Salsabilla Maheswari Imanuriea Annisa Putri Komalasari, Agrianti Liza Alvia Niken Kusumawardani Putri Yulfhita Claraini Retno Yuni Nur Susilowati Reyhan Jaya Rindu Rika Gamayuni rindu rika gamayuni Sevira Rahma Harmara Zahrul Zima