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BIAS KOGNITIF TERHADAP KEPUTUSAN INVESTASI GEN Z Mochamad Malik Akbar Rohandi; PUTRI FARISKA; Ajeng Luthfiyatul Farida; Herdy Rahmat Maulana Martin
Jurnal Manajemen dan Bisnis Performa Vol. 20 No. 2 (2023)
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v20i2.3270

Abstract

Investasi merupakan salah satu kegiatan yang sedang tren dalam beberapa tahun terakhir. Di masa pandemi Covid-19, populasi investor di Indonesia semakin bertambah dan didominasi oleh Generasi Z yang menjadikan para pembuat konten yang tidak bertanggung jawab di media sosial. Total kerugian masyarakat yang berinvestasi, terutama pada investasi ilegal, telah melampaui lebih dari Rp1 T selama lima tahun terakhir. Hal ini menunjukkan bahwa keputusan investasi dipengaruhi oleh dinamika sosial. Dalam penelitian ini, peneliti ingin mengetahui pengaruh perilaku herding, bias overconfident, dan Rregret-Aversion Bias terhadap keputusan investasi yang diambil oleh investor Gen Z di Jawa Barat. Pendekatan penelitiannya adalah penelitian kuantitatif dengan menyebarkan kuesioner kepada 400 responden. Metode analisis data yang digunakan dalam penelitian ini adalah Analisis Regresi Linier Berganda. Hasil penelitian menunjukkan bahwa perilaku herding, overconfident, dan bias penyesalan-aversion berpengaruh terhadap keputusan investasi Generasi Z di Jawa Barat, baik secara parsial maupun simultan.
PURCHASE DECISIONS IN ECOMMERCE: IMPACT FROM INFLUENCER AND CONTENT MARKETING Mochamad Malik Akbar Rohandi; Putri Fariska
Jurnal Manajemen dan Bisnis Performa Vol. 22 No. 1 (2025)
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v22i1.6828

Abstract

Technological developments necessitate that entrepreneurs continuously adapt, particularly in the context of today’s emerging e-commerce landscape. This study aims to assess the impact of influencer marketing and content marketing on purchasing decisions in e-commerce. Employing quantitative research methods, the study seeks to generalize its findings through descriptive and verification research types. The population consists of Generation Z, with non-probability purposive sampling utilized for this research, Coefficient of Determination and anova test. The results indicate that, when considered together, both influencer marketing and content marketing have a positive and significant effect on purchasing decisions in e-commerce.
Telemedicine Implementation and Digital Health Innovation: An Empirical Study in Healthcare Services Mochamad Malik Akbar Rohandi; Putri Fariska; Qonidah Salsabila Senja
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 4 (2026): JIMKES Edisi Juli 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i4.5260

Abstract

The rapid development of digital technologies has encouraged healthcare organizations to adopt telemedicine as part of digital health innovation to improve healthcare service management. However, the effectiveness of telemedicine implementation in supporting healthcare service performance remains a critical issue in many healthcare institutions. This study examines the relationship between telemedicine implementation and digital health innovation in improving healthcare service performance. The research applies a quantitative empirical approach using a survey method involving 180 healthcare professionals working in hospitals and healthcare facilities in Bandung, Indonesia. Respondents were selected using purposive sampling based on their experience with telemedicine systems. Data were collected through structured questionnaires and analyzed using multiple linear regression analysis. The findings show that telemedicine implementation has a positive and significant effect on digital health innovation and contributes to improving service efficiency, communication quality, and patient management processes in healthcare services. The study also indicates that integrating telemedicine technologies strengthens healthcare organizations’ capacity to deliver more responsive and technology-driven services. These findings highlight the importance of telemedicine as a strategic tool for supporting digital transformation and improving healthcare service management.
PEMANFAATAN E-WALLET, INVESTASI DIGITAL, DAN KEAMANAN TRANSAKSI BAGI GURU DAN LEMBAGA PENDIDIKAN Ajeng Luthfiyatul Farida; Putri Fariska; Farida Titik Kristanti; Dwi Fitrizal Salim
Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Vol. 3 No. 6 (2025): Desember
Publisher : CV. Alina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59407/jpki2.v3i6.3196

Abstract

Pengabdian ini bertujuan untuk meningkatkan literasi keuangan digital bagi guru dan lembaga pendidikan melalui pemanfaatan e-wallet, pengenalan investasi digital, serta penguatan keamanan transaksi. Metode pengabdian menggunakan pendekatan participatory learning yang mencakup sosialisasi literasi keuangan digital, pelatihan praktik penggunaan aplikasi, simulasi transaksi, diskusi studi kasus, serta evaluasi kegiatan melalui kuesioner skala Likert dan pertanyaan terbuka. Hasil kegiatan menunjukkan bahwa 92% peserta memahami tujuan pengabdian, 90% menilai materi relevan dengan kebutuhan, dan seluruh peserta merasakan peningkatan pengetahuan mengenai penggunaan e-wallet, investasi digital, serta praktik keamanan transaksi. Simpulan, bahwa pelatihan berbasis partisipatif efektif dalam meningkatkan kemampuan guru memanfaatkan layanan keuangan digital secara produktif dan aman, serta mendorong lembaga pendidikan untuk mengadopsi sistem keuangan digital secara lebih optimal.  
Determinant of Earnings Management: Financial Distress, Tax Planning, Audit Quality, and Public Accountant Firm Size Ajeng Luthfiyatul Farida; Putri Fariska Sugesti
JASF: Journal of Accounting and Strategic Finance Vol. 6 No. 1 (2023): JASF (Journal of Accounting and Strategic Finance) - June 2023
Publisher : Accounting Department, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jasf.v6i1.386

Abstract

Profit can show the information to the public in making investment decisions. The motivation of management to practice earnings management is to attract external parties, one of which is investors by increasing profits (income creating) and tax motivation by decreasing profits (income decreasing). This study aims to determine the effect of financial distress, tax planning, audit quality, and public accountant firm size on earnings management in mining sector companies listed on the Indonesia Stock Exchange (IDX) for the 2016-2020 period simultaneously or partially. The sample used was purposive sampling from 29 samples with 145 observational data. The method used panel data regression analysis. The results showed that financial distress positively affects earnings management, meaning that when a company is in a financial distress condition, it tends to practice earnings management to make better financial statements. While tax planning and audit quality do not affect earnings management, the size of public accountant firms has a negative effect on earnings management.
Analysis of Factors Influencing User Interest in Adopting Fintech Robo-Advisor in Indonesia Using Utaut 2 Faza Fariha Zhafira; Brady Rikumahu; Putri Fariska Sugestie
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 4 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i4.404

Abstract

In Indonesia, robo-advisors were introduced around 2017, driven by the increasing penetration of internet usage and the adoption of digital technology in the financial sector. The use of robo-advisors grew significantly during the pandemic, as retail investors sought convenient ways to invest without the need for in-person meetings. Several fintech companies, including Bareksa, Bibit, and Moduit, offer wealth management services utilizing robo-advisor technology. While the total Assets Under Management (AUM) in Indonesia have increased, the growth rate of AUM has declined, which may indicate reduced new investment inflows. This study examines the factors influencing users’ intention to adopt fintech robo-advisor services in Indonesia, using the Unified Theory of Acceptance and Use of Technology (UTAUT 2) framework. The research is a quantitative descriptive study focusing on individuals in Indonesia who have used robo-advisor services via Bibit, Bareksa, or Moduit. Using purposive sampling, the study surveyed 150 respondents, with data analyzed through Partial Least Squares-Structural Equation Modeling (PLS-SEM). The study finds that all independent variables—performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit—significantly influence the adoption of fintech robo-advisors. Moreover, age, gender, and experience were identified as moderating factors. The strongest predictors of behavioral intention were performance expectancy, habit, and hedonic motivation, while habit, behavioral intention, and facilitating conditions were key drivers of use behavior. The study concludes that all factors significantly affect the adoption of fintech robo-advisors in Indonesia, and recommends that fintech companies leverage these findings to improve their features, communication strategies, and digital financial literacy initiatives.
Cash Position, Free Cash Flow, Firm Size, and Leverage as Determinants of Dividend Payout: Does Profitability Mediate? FX Rahardian Eka Permadi; Abdul Mukti Soma; Putri Fariska
International Journal of Economics Development Research (IJEDR) Vol. 7 No. 3 (2026): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/dfnbq154

Abstract

This study investigates whether cash position, free cash flow, firm size, and debt-to-equity ratio explain dividend payout and whether profitability transmits those relationships in Indonesian healthcare firms. The final balanced panel contains 17 companies listed on the Indonesia Stock Exchange over 2019-2024, yielding 102 firm-year observations after outlier trimming. Random-effects panel regressions estimate the direct paths, while Sobel tests assess the indirect paths through return on equity. Cash position and firm size are positively associated with dividend payout ratio, whereas free cash flow, leverage, and profitability have no signifi-cant direct association with payout. Free cash flow and firm size are positively associated with profitability, while leverage is negatively associated with profita-bility; cash position is not significant. None of the four indirect effects through profitability is significant. The evidence indicates that liquidity available at the payment date and organizational scale matter more for healthcare dividend deci-sions than accounting profitability alone. It also suggests that internally generated cash can strengthen profitability without necessarily being distributed, particularly where medical facilities, technology, and service expansion compete for funds. The study contributes a post-pandemic sector-specific test of dividend policy by separating cash availability from free cash flow and by examining profitability as a formally tested mediator.
LITERASI KEUANGAN BERBASIS AI UNTUK MENINGKATKAN KESIAPAN DIGITAL PELAJAR DI SEKOLAH INDONESIA SINGAPURA LTD Farida Titik Kristanti; Dudi Pratomo; Putri Fariska; Ratih R. Raihanun
Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Vol. 4 No. 4 (2026): Agustus
Publisher : CV. Alina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59407/jpki2.v4i4.4073

Abstract

Pengabdian ini bertujuan untuk meningkatkan literasi keuangan berbasis Artificial Intelligence (AI) dan kesiapan digital pelajar di Sekolah Indonesia Singapura Ltd (SIS) melalui penguatan pemahaman pengelolaan keuangan digital, pemanfaatan teknologi AI, serta perlindungan terhadap risiko kejahatan keuangan digital. Metode pengabdian yang digunakan adalah pendekatan edukasi interaktif dan partisipatif yang dilaksanakan melalui tahapan analisis kebutuhan, persiapan, implementasi pelatihan, serta evaluasi dan keberlanjutan program. Pelaksanaan kegiatan meliputi penyampaian materi, simulasi deteksi phishing, edukasi pencegahan pinjaman online ilegal, pengenalan Economic AI, serta praktik pengelolaan keuangan digital, yang dilengkapi dengan pre-test, diskusi, dan kuesioner evaluasi pascakegiatan. Hasil pengabdian menunjukkan bahwa kegiatan memperoleh respons positif dari 32 peserta, dengan akumulasi penilaian sebesar 39% pada kategori setuju dan 36% pada kategori sangat setuju terhadap berbagai aspek pelaksanaan program, sementara pada indikator kejelasan materi sebanyak 43,8% peserta menyatakan sangat setuju dan 37,5% menyatakan setuju, serta pada indikator pelayanan panitia sebanyak 53,1% menyatakan sangat setuju dan 31,3% menyatakan setuju. Hasil tersebut menunjukkan bahwa materi literasi keuangan digital, pemanfaatan AI, dan perlindungan keamanan siber dapat diterima serta dipahami dengan baik oleh peserta. Simpulan pengabdian menunjukkan bahwa program literasi keuangan berbasis AI dapat menjadi pendekatan yang relevan untuk memperkuat kesiapan digital pelajar, khususnya dalam memahami pengelolaan keuangan, memanfaatkan teknologi secara produktif, serta meningkatkan kewaspadaan terhadap risiko kejahatan keuangan digital.
Strengthening the financial management of traditional art groups based on SAK EMKM in the Tarawangsa community of Rancakalong Village, Sumedang Putri Fariska; Nora Amelda Rizal; Fanji Farman
Society : Jurnal Pengabdian Masyarakat Vol. 5 No. 5 (2026): September
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/vw6s1m45

Abstract

Traditional art groups in rural Indonesia function as genuine economic units, yet rarely treat their receipts and expenditures as transactions requiring systematic records. This community engagement activity addressed that problem among the Tarawangsa art groups of Rancakalong Village, Sumedang Regency, West Java, where seven groups sustain a ritual music tradition bound to the Ngalaksa ceremony. Preliminary mapping involving fourteen key informants across two field visits identified three core weaknesses: the absence of structured bookkeeping, the mixing of group funds with the personal funds of administrators, and the absence of any inventory of the musical instruments serving as their principal productive assets. The activity applied a participatory action research approach through four stages: situational analysis, interactive training, technical assistance, and evaluation. A four-hour training session attended by fourteen participants introduced basic accounting concepts, the separation of group and personal cash, and the three financial statement components required under SAK EMKM. Technical assistance guided partners in developing a simple cash book, an asset inventory card, and a written format for recording performance revenue sharing. The activity demonstrates that barriers to adopting accounting standards among traditional art groups lie not in the complexity of the standards, but in the absence of assistance translating them into formats suited to seasonal, ritual-based transactions. 
Generation Z Investment Decision: An Analysis Using Behavioral Factors Iqbal Fadhiil; Putri Fariska
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2803

Abstract

Investment has gotten more known and popular since a few years back, particularly during the pandemic. The growth itself was majorly contributed by people within the age group of Generation Z. One of the most contributing factors of their participation is their fear of missing out, especially with the exposure of social media investment content.  Their behavioral biases oftentimes result in loss instead of return, due to the unwise investment decisions. This research investigates the behavioral bias within the investment decision-making of Generation Z in the area of Greater Bandung, with the sample of 489 individuals. The collected data from the sample through questionnaires analyzed using SPSS software with Multiple Linear Regression method. The results show that trait anger does not partially influence investment decision significantly, while trait anxiety, overconfidence, herding behavior, and self-monitoring partially influence investment decision significantly. All the independent variables simultaneously influence investment decision.