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All Journal JURNAL BISNIS STRATEGI Jurnal Bisnis dan Manajemen Jurnal Keuangan dan Perbankan Media Ekonomi dan Manajemen Jurnal Ilmiah Mahasiswa FEB JAM : Jurnal Aplikasi Manajemen Journal of Indonesian Applied Economics Wacana, Jurnal Sosial dan Humaniora JBTI : Jurnal Bisnis : Teori dan Implementasi Jurnal Manajemen Teori dan Terapan MIX : Jurnal Ilmiah Manajemen Jurnal Manajemen dan Kewirausahaan (JMDK) Asia-Pacific Management and Business Application Jurnal Ekonomi dan Bisnis Management and Economics Journal (MEC-J) Jurnal Abdimas Mahakam Dinasti International Journal of Management Science Jurnal Ilmiah Akuntansi Kesatuan Heart Science Journal JBMR: Journal of Business and Management Review Akuntansi Bisnis & Manajemen (ABM) SMBJ: Strategic Management Business Journal Journal of International Conference Proceedings Jurnal Manajemen Pemasaran dan Perilaku Konsumen Jurnal Management Risiko dan Keuangan Carmin: Journal of Community Service Jurnal Kewirausahaan dan Inovasi
Kusuma Ratnawati
Department Of Management, Faculty Of Economics And Business, Brawijaya University
Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Other

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Behavioral Biases in the Crypto Market: Disposition, Herding, and Heuristic Effects on Investment Decisions Putradia, Mikhael Kefas; Ratnawati, Kusuma
Jurnal Management Risiko dan Keuangan Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.4.02

Abstract

This study aims to analyze the influence of disposition bias, herding bias, and heuristics on the investment decisions of cryptocurrency investors in Malang City. The rapid growth of young investors in the digital asset market particularly in the highly volatile cryptocurrency sector highlights the importance of understanding behavioral biases due to their impact on investment decisions. This explanatory quantitative study uses primary data obtained through an online questionnaire distributed to 177 cryptocurrency investors domiciled in Malang City. The results of the analysis using Partial Least Squares (PLS) in SmartPLS show that all three independent variables disposition bias, herding bias, and heuristics have a significant influence on investment decisions. This finding indicates that psychological biases play a crucial role in investment decision-making, especially in the context of high-risk assets. This study contributes to the development of behavioral finance theory and provides insights for investors, industry players, and regulators in designing educational strategies and policies that better align with the characteristics and behaviors of young investors.
Using Social Media Mining to Understand Public Opinion towards Destination Image Budi, Tomas Setya Wahyu; Wen, Shen Chien; Ratnawati, Kusuma
APMBA (Asia Pacific Management and Business Application) Vol. 5 No. 3 (2017)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2017.005.03.3

Abstract

In the middle of highly competitive tourism market, development of successful destination image is paramount towards memorable experience for visitors. This study aims to support tourism stakeholders from the service providers and national tourism by analyzing, and extracting meaningful patterns from social media, e.g. Twitter, based on destination image information. This data plays an important role for destination marketers to distinguish their destination among others based on Twitter Statistics and key public opinion towards destination image attributes. London and New York were used as destination cities under the analysis of text mining with the concept linkage approach. Results shows five distinct keywords attributed to each city. Each keyword found to be relevant in representing the image of destination cities based on the public opinion on Twitter. For keyword “Culture and Cultural”, term "British” and "Black" represent London and New York the best, respectively. In keyword “Entertainment”, term "James Bond" and "Broadway" represent London and New York, respectively. In keyword “Festival”, term "Lumiere" and “Global Citizen Festival” are best in describing city of London and New York, respectively. In keyword “Food”, term "traditional British food" best describes London and "Food truck" best describes New York. The keyword “Shopping” exhibits term "Etsy" as the image of London and “Kate Spade" as the image for New York. This research reveals the value of social media analysis and the ability of text mining as an effective technique to extract opinions from vast amount of available social media data. Recommendations related to tourism strategic plan are made to facilitate possible future destination image studies.
Board Size and Gender Diversity on Boardrooms and Its Impact of Corporate Risk Taking: Evidence from Indonesia Ratnawati, Kusuma
APMBA (Asia Pacific Management and Business Application) Vol. 8 No. 2 (2019)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2019.008.02.6

Abstract

The role of company boards as well as it composition in the diversity issues (i.e gender) are very important to make strategic corporate decision. This paper investigates the determinant of corporate risk taking through the size of board and the existence of gender diversity on boardrooms. Focusing on the boards in the non-financial companies, there were 262 companies from period of 2013 to 2016 could be analyzed based on certain criteria. The result of multiple regression analysis showed that the corporate risk taking positively influenced by board size. In contrary, the gender diversity has small negatively effect on corporate risk taking. It suggested that the greater size of the board will increase the volatility of ROA, but the presence of female on boards tends to decrease the volatility of ROA. This paper contributes to the development of theory in the fields of corporate financial management in term of risk taking and lastly. this study also documented that the importance of determining the proportion between male and female boards, as a way to scheming appropriate board composition in company.
Identification of The Dimensions of Bank 4.0 Experiential Quality Based on Millennial Customer Perceptions abdillah, luthfi; Hussein, Ananda Sabil; Ratnawati, Kusuma
APMBA (Asia Pacific Management and Business Application) Vol. 9 No. 1 (2020)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

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

Abstract

The development of the Bank 4.0 industry that is reflected through increased experiential quality, which is started with the identification of the dimensions of Bank 4.0 experiential quality is getting popularity for millenial. This research attempt to discover the dimensions of Bank 4.0 experiential quality based on perceptions of millennial customers. Bu surveying 673 millenials and adjusted to the characters of Bank 4.0 and millennial generation this study aims to theoretical and empirically testing the hyotehesis by using SMPLS. Results revelaed that functional quality, convenience, innovations, trust, value, risk mitigation, and security have been empirically proven as dimensions of Bank 4.0 experiential quality based on millennial customer perception.This research was only conducted in the city of Malang, so that research with larger demographic and geographic data sets is needed in order to describe the perceptions of millennial customers more accurately. Further research can be developed with new dimensions that may emerge along with the development of Bank 4.0 in both commercial banks and fintech companies.
Influence of Intellectual Capital on Operational Performance through Innovation Capability in Indonesia’s Defence Industry Citrasari, Pratiwi Dwi; Ratnawati, Kusuma; Hadiwidjojo, Djumilah
Media Ekonomi dan Manajemen Vol 37, No 2 (2022): July 2022
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24856/mem.v37i2.2934

Abstract

This research examines the impact of intellectual capital on operational performance through innovation capabilities in the defence industry in Indonesia, PT. Pindad (Persero). Network processes within the company are assessed by internal performance, which is described by the company's operational performance. 142 employees who work in the production function were sampled in this research using the probability-sampling method with a stratified random sampling type. SEM-PLS was used as a data analysis model. Human capital, structural capital and social capital are three components used in the research. This study provides empirical evidence that these three components influence operational performance. In addition, it is known that human capital, structural capital, and social capital affect innovation capability, and the company's operational performance is influenced by innovation capability. In an indirect relationship, the results interpret that the influence of human capital, structural capital and social capital on the company's operational performance can be through innovation capability. This research provides input to the defence industry to improve performance by increasing the intellectual capital owned by the company without ignoring the importance of innovation capability.
The Effect of Financial Knowledge and Financial Attitudes on Financial Behavior through Financial Literacy Qordhowi, Yusuf; Ratnawati, Kusuma
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 6 (2025): JIAKES Edisi Desember 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i6.4766

Abstract

The rapid development of digital technology in the era of Industrial Revolution 4.0 has transformed lifestyles, particularly among Generation Z, who tend to exhibit more consumptive behavior and face challenges in managing personal finances. This condition highlights the importance of understanding the factors that influence students’ financial behavior as part of the productive-age population. This study aims to examine the effects of financial knowledge and financial attitudes on financial behavior, with financial literacy serving as a mediating variable among Generation Z students at Universitas Brawijaya. This study adopts a quantitative approach using a survey method involving 375 undergraduate and postgraduate students. Data were collected through a Likert-scale questionnaire and analyzed using SEM-PLS. The results indicate that financial knowledge and financial literacy have a significant effect on financial behavior, whereas financial attitudes do not have a significant direct effect. However, financial literacy is found to play a significant mediating role, indicating that financial knowledge and financial attitudes indirectly influence financial behavior through financial literacy. The study concludes that enhancing financial literacy is a key factor in shaping healthy financial behavior among Generation Z students and should be prioritized within higher education to support students’ long-term financial well-being.
Co-Authors A. Dewantoro Marsono abdillah, luthfi Achmad Helmy Djawahir Achmad Helmy Djawahir Afriani Afriani Ananda Sabil Hussein Armanu, Armanu Arta Kusuma Athifah Hanun Atim Djazuli Bintang Nurrama Putra Christin Susilowati Citrasari, Pratiwi Dwi Clara Shinta Wiryana Cokorda Agung Mahadika Damayanti, Renata Desy Eka Kartika Sari Dewantara, Prasetya Putra Djumahir . Djumahir Djumahir Djumahir Djumahir Djumilah Hadiwidjojo Djumilah Hadiwidjojo Djumilah Zain Edi Purwanto Edi Purwanto Eka Zahra Solikahan Eko Purwanto Ekromi Fraida Tsalasah Esther Novelina Hutagalung Firdaus, Ema Zahra Hanifa Bennu Nur Hanun, Athifah Hedwigh Hendrikus Temai Lejap Herdina, Ajeng Mira Humaira, Khaula Fathia Kesuma, Satrio Fajar KEWAKUMA, ANGELINE STELLA VENTARI Kurniasari, Irma Lana Emilia Gondowahjudi Lia Pranata Putri Liana, Esti luthfi abdillah M.S. Idrus Made Sudarma Mahadika, Cokorda Agung Margono Setiawan Mochamad Rizky Pratama Moeljadi Moeljadi MujiLestari, Dian Muliawati, Elisa Cahya Nazzal, Ayman Ni Nyoman Suli Asmara Yanti Noermijati, Noermijati Nova Juwita Hersanti Nur Khusniyah Indrawati Nurmasari, Nuraini Desty Nushobah, Ahmad Royan Pertiwi, Nanda Putra, Kevin Surijanto Putradia, Mikhael Kefas Putri, Belinda Nursabila Putri, Rizki Ariendra Ammellia Qordhowi, Yusuf R Safiroh Febrina Reka Yusmara Mardiputra Rico Eka Wahyu Hudiwijono Riyadi, Indra Rofiaty, Rofiaty Rosyanti, Daisy Marthina Santika, IBM Shen Chien Wen Shen Chien Wen, Shen Chien Siahaan, Andriyuda Siti Aisjah Slamet Mulyono Sri Muljaningsih Sumiati Sumiati . Sumiati Sumiati Surachman Surachman Tomas Setya Wahyu Budi Tomas Setya Wahyu Budi Ubud Salim Wahdiyat Moko Wardani, Salsabilah Herman Putri Wati, Cicik Retno Yolanda Efionita ZAINUL ARIFIN Zainul Arifin Zaroug, Yousef Ali Mohamed