p-Index From 2021 - 2026
30.137
P-Index
This Author published in this journals
All Journal Jurnal Reviu Akuntansi dan Keuangan JURNAL ECONOMIA MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Jurnal Ilmiah Informatika Komputer Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Pendidikan dan Pembelajaran Khatulistiwa (JPPK) PREMISE LAW JURNAL Majalah Kedokteran Bandung Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Riset Akuntansi dan Bisnis JURNAL ILMIAH MANAJEMEN & BISNIS Jurnal Online Mahasiswa (JOM) Bidang Ilmu Sosial dan Ilmu Politik Jurnal Online Mahasiswa (JOM) Bidang Keguruan dan Ilmu Pendidikan Jurnal Ilmiah Mahasiswa FEB Jurnal Agribisnis Indonesia (Journal of Indonesian Agribusiness) MIX : Jurnal Ilmiah Manajemen IMAGE Global Review of Islamic Economics and Business Badamai Law Journal Jurnal Ilmiah Mahasiswa Ekonomi Manajemen Journal of Business Management Education (JBME) KAREBA : Jurnal Ilmu Komunikasi Jurnal Manajemen Pelayanan Publik Sistemasi: Jurnal Sistem Informasi Jurnal Akuntansi dan Pajak Jurnal Manajemen & Keuangan Perspektif : Jurnal Ekonomi dan Manajemen Universitas Bina Sarana Informatika BIOLINK (Jurnal Biologi Lingkungan, Industri, Kesehatan) Ekspektra: Jurnal Bisnis & Manajemen Jurnal EMT KITA Jurnal Ilmu dan Riset Akuntansi IJBE (Integrated Journal of Business and Economics) JURNAL MANAJEMEN MOTIVASI Jurnal ASET (Akuntansi Riset) Jurnal Riset Akuntansi dan Keuangan Jurnal Biologi Tropis PEDAGOGI JRMSI - Jurnal Riset Manajemen Sains Indonesia IJEBD (International Journal Of Entrepreneurship And Business Development) Jurnal Media Agribisnis (MeA) Pendas : Jurnah Ilmiah Pendidikan Dasar Khadimul Ummah Journal of Social Dedication JOURNAL OF APPLIED ACCOUNTING AND TAXATION JELL (Journal of English Language Learning) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Conference on Innovation and Application of Science and Technology (CIASTECH) JURNAL PENDIDIKAN TAMBUSAI JKM (Jurnal Kebidanan Malahayati) Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal JIKA: Jurnal Ilmu Keuangan dan Perbankan Journal of Humanities and Social Studies JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) EDUKATIF : JURNAL ILMU PENDIDIKAN JCRS (Journal of Community Research and Service) Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi dan Hukum The International Journal of Business Review (The Jobs Review) Jurnal Riset Akuntansi Aksioma Jurnal Onoma: Pendidikan, Bahasa, dan Sastra Komunikologi: Jurnal Pengembangan Ilmu Komunikasi dan Sosial JURNAL MUTIARA AKUNTANSI Jurnal Ekonomi Manajemen JURNAL AKUNTANSI Valid Jurnal Ilmiah International Journal of Economics, Business and Accounting Research (IJEBAR) JOURNAL EDUCATIONAL OF NURSING(JEN) Sainstek : Jurnal Sains dan Teknologi PREPOTIF : Jurnal Kesehatan Masyarakat Jurnal Riset Bisnis dan Manajemen Journal of Telenursing (JOTING) Jurnal Ilmiah Akuntansi Kesatuan International Journal of Business Economics (IJBE) Jurnal Penelitian Ekonomi Akuntansi (JENSI) Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Darma Agung Jurnal Bumigora Information Technology (BITe) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Management - Small and Medium Enterprises (SME's) Jurnal Filsafat Indonesia Journal of Sustainable Tourism and Entrepreneurship Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) REKA ELKOMIKA: Jurnal Pengabdian kepada Masyarakat Ainara Journal (Jurnal Penelitian dan PKM Bidang Ilmu Pendidikan) Jurnal Kebidanan Khatulistiwa MURHUM : JURNAL PENDIDIKAN ANAK USIA DINI Jurnal Promotif Preventif Jurnal Cahaya Mandalika Jurnal FASILKOM (teknologi inFormASi dan ILmu KOMputer) Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks Jurnal Kesehatan Tambusai Jurnal Edukes: Jurnal Penelitian Edukasi Kesehatan Bisnis Net : Jurnal Ekonomi dan Bisnis MAHESA : Malahayati Health Student Journal JURNAL MANAJEMEN AKUNTANSI (JUMSI) TEACHING : Jurnal Inovasi Keguruan dan Ilmu Pendidikan Plusminus: Jurnal Pendidikan Matematika IJORER : International Journal of Recent Educational Research Jurnal Riset Ilmu Ekonomi EkoPreneur ARRUS Journal of Engineering and Technology International Journal of Quantitative Research and Modeling Asian Management and Business Review Jurnal EduHealth Jurnal Riset dan Pengabdian Masyarakat Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) JIDAN (JURNAL ILMIAH KEBIDANAN) Juwara : Jurnal Wawasan dan Aksara International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Journal Evaluation in Education (JEE) Agrifitia: Journal of Agribusiness Plantation JRAM (Jurnal Riset Akuntansi Multiparadigma) Proceeding International Seminar of Islamic Studies Jurnal Kolaboratif Sains Wiga : Jurnal Penelitian Ilmu Ekonomi Journal of Education Research Excellent Midwifery Journal Tropical Health and Medical Research Journal Journal of Disruptive Learning Innovation (JODLI) JURNAL MANAJEMEN MODAL INSANI DAN BISNIS (JMMIB) Jurnal Transparansi Publik (JTP) Journal of Trends Economics and Accounting Research Jurnal Pemberdayaan dan Pendidikan Kesehatan Jurnal Ekonomika Dan Bisnis Jurnal Dunia Pendidikan Economic Reviews Journal JUITECH: Jurnal Ilmiah Fakultas Teknik Universitas Quality JURNAL AGROTEKNOSAINS Pro-Stek Soshum: Jurnal Sosial dan Humaniora Prosiding Seminar Nasional Universitas Serambi Mekkah International Journal Of Economics Social And Technology Journal of Community Service Jurnal Teknik Sipil Institut Teknologi Padang Journal of International Conference Proceedings Indonesian Journal of Community Empowerment Tsaqofah: Jurnal Penelitian Guru Indonesia Jurnal Pengabdian Masyarakat Bhinneka ANWARUL: Jurnal Pendidikan dan Dakwah JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Indonesian Management and Accounting Research Media Ekonomi International Journal of Community Service (IJCS) Worksheet : Jurnal Akuntansi Jurnal Komunikasi, Sains dan Teknologi (JKST) Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Jurnal Sosial dan Sains Journal of Islamic Economics and Business JRAP (Jurnal Riset Akuntansi dan Perpajakan) Journal of Artificial Intelligence and Digital Business Jurnal Ekbis (Ekonomi & Bisnis) JURNAL FIRNAS Jurnal Ilmiah Teknik Informatika dan Komunikasi International Journal of Entrepreneurship and Sustainability Studies International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Innovative: Journal Of Social Science Research Balale' : Jurnal Antropologi Health Research Journal of Indonesia Sintaks: Jurnal Bahasa dan Sastra Indonesia Vernacular JEKSya Jurnal Ekonomi dan Keuangan Syariah Global Education Journal Getsempena Health Science journal Ahsana: Jurnal Penelitian dan Pengabdian kepada Masyarakat Jurnal Ekonomi Kreatif Indonesia Jurnal Pengabdian Masyarakat Indonesia Sejahtera Sriwijaya Journal of Agribusiness and Biometrics in Agriculture Research JIM: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah West Science Social and Humanities Studies Kajian Akuntansi NHI Hospitality International Journal Journal of Chemistry Education and Integration IIJSE Prosiding Seminar Nasional Pengabdian Kepada Masyarakat: Peduli Masyarakat Jurnal Pendidikan Guru Sekolah Dasar Jurnal Pengabdian Bukit Pengharapan Prosiding Seminar Kesehatan Masyarakat Jurnal Pengabdian Masyarakat dan Riset Pendidikan VISA: Journal of Vision and Ideas Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Inovasi Global Jurnal Cendekia Ihya Moneta : Journal of Economics and Finance Journal of Social Work and Science Education AS-SHIHA: JURNAL KESEHATAN Indonesian Journal of Islamic Law (IJIL) Journal Education Innovation Trends in Infection and Global Health Journal of Management Education Social Sciences Information and Religion International Research Journal of Business Studies PITIMAS: Journal of Community Engagement in Health Ikhlas: Jurnal Ilmiah Pendidikan Islam Journal of Ekonomics, Finance, and Management Studies Celebes Nursing Journal Joong-Ki Research in Accounting Journal ETNOPEDAGOGI: Jurnal Pendidikan dan Kebudayaan Desultanah: Journal Education and Social Science Jurnal Ilmu Kedokteran dan Kesehatan Indonesia JURNAL TEKNOLOGI, KESEHATAN DAN ILMU SOSIAL Jurnal Punyimbang E-Jurnal Akuntansi Magister Scientiae Jurnal Ekonomi Kuantitatif Terapan Proceeding Banten International Conference on Health Advancement & Research (BINAR) Jurnal Kesehatan
Claim Missing Document
Check
Articles

Internet Bandwidth Management using a MikroTik Router at Shanti Bhuana Institute Sari, Maya; Noviyanti P, Noviyanti P; Cahyaningtyas, Christian; Mira, Mira; Dedy, Dedy
Sistemasi: Jurnal Sistem Informasi Vol 15, No 4 (2026): Sistemasi: Jurnal Sistem Informasi
Publisher : Program Studi Sistem Informasi Fakultas Teknik dan Ilmu Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32520/stmsi.v15i4.6218

Abstract

This study aims to evaluate the effectiveness of bandwidth management using a MikroTik router in optimizing network capacity distribution at Shanti Bhuana Institute. The methods employed include designing a bandwidth allocation scheme based on the priority needs of each unit, implementing the configuration on a MikroTik router, and measuring network performance parameters such as throughput, delay, packet loss, and jitter before and after the implementation of bandwidth management. The testing was conducted in a campus environment involving active users from various academic and administrative units. The results show that the implementation of bandwidth management increased the average throughput from 412 kbps to 1,105 kbps, reduced the average delay from 22.4 ms to 5.2 ms, and decreased jitter from 8.7 ms to 2.1 ms. Packet loss remained below the 1% threshold both before and after implementation. All units received proportional bandwidth allocation according to their operational needs, enabling activities such as web browsing, email communication, and lecture material downloads to run without mutual interference. This study concludes that MikroTik-based bandwidth management is more effective than relying solely on high bandwidth availability, as it is capable of preventing network congestion in multi-user campus environments.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT BELANJA MASYARAKAT DI PASAR TRADISIONAL STUDI KASUS: PASAR TRADISIONAL KECAMATAN NGAMBUR, KABUPATEN PESISIR BARAT Muhammad Luthfi; Maya sari
Jurnal Ekonomi Kreatif Indonesia Vol. 4 No. 1 (2026): January
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jeki.v4i1.162

Abstract

ABSTRAK Pasar tradisional masih berperan strategis dalam mendukung aktivitas ekonomi masyarakat dan menyediakan kebutuhan pokok harian. Meski demikian, tingkat ketertarikan konsumen berbelanja di pasar tradisional dipengaruhi sejumlah elemen yang perlu diteliti secara empiris. Penelitian ini difokuskan untuk menguji pengaruh harga barang, mutu produk, serta posisi strategis pasar terhadap minat belanja pembeli di Pasar Tradisional Kecamatan Ngambur, Kabupaten Pesisir Barat. Pendekatan kuantitatif diterapkan melalui survei dengan sampel 77 responden konsumen yang dipilih secara random. Pengumpulan data primer menggunakan kuesioner, dianalisis dengan Partial Least Squares–Structural Equation Modeling (PLS-SEM) melalui software SmartPLS 4.0. Temuan riset mengindikasikan bahwa mutu produk dan aksesibilitas lokasi memiliki pengaruh positif signifikan terhadap minat belanja, sementara faktor harga tidak menunjukkan pengaruh yang bermakna. Fakta ini menggambarkan prioritas konsumen lebih condong pada kualitas barang dan kemudahan menjangkau lokasi belanja. ABSTRACT Traditional markets still play a strategic role in supporting community economic activities and providing daily necessities. However, the level of consumer interest in shopping at traditional markets is influenced by a number of factors that require empirical research. This study focuses on examining the influence of product prices, product quality, and the market’s strategic location on shoppers’ interest in the Traditional Market of Ngambur Subdistrict, Pesisir Barat Regency. A quantitative approach was applied through a survey of 77 randomly selected consumer respondents. Primary data was collected using a questionnaire and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) via SmartPLS 4.0 software. The research findings indicate that product quality and location accessibility have a significant positive influence on shopping interest, while the price factor does not show a significant influence. This fact illustrates that consumer priorities lean more toward product quality and ease of access to shopping locations.
Kritik Sosial dalam Novel Belenggu Karya Armijn Pane Sari, Maya; Zulfadhli, Zulfadhli
TSAQOFAH Vol 6 No 3 (2026): MEI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/tsaqofah.v6i3.9070

Abstract

This study aimed to describe the forms of social criticism in the novel Belenggu by Armijn Pane, encompassing criticism of gender injustice, family disorganization, and cultural shift. It employed a descriptive qualitative approach in literary studies, with data consisting of linguistic units (words, phrases, clauses, and sentences) drawn from character dialogues and the narrator’s discourse that represent social criticism in the text. The researcher served as the main instrument through intensive reading, note-taking, and data classification. Data were collected through close reading, systematic note-taking, and the inventory of relevant quotations, while data validity was ensured using theoretical triangulation. Data analysis was conducted by grouping the findings according to the forms of social criticism and then interpreting them descriptively in line with the social context underlying the text. The results showed that the novel Belenggu contains criticism of a patriarchal structure that restricts women’s roles, fractures in family relationships caused by weak emotional communication, and the dominance of Western culture that displaces local cultural values. Overall, the novel reflects the dynamics of social change in Indonesian society during a transitional period toward modernity through its representation of gender conflict, family crisis, and cultural transformation.
Research Collaboration and Epistemic Gaps in Public Sector Financial Sustainability: A Global Bibliometric Perspective Lekettey, Edem; Nugraha, Nugraha; Sari, Maya
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 5 (2025): Dinasti International Journal of Economics, Finance & Accounting (November - De
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i5.4880

Abstract

This study examines trends in international cooperation within Local Government Financial Sustainability (LGFS) research, a discipline that is becoming increasingly significant owing to the financial difficulties encountered by subnational governments and the need for equitable governance in accordance with Sustainable Development Goals (SDGs). Despite ongoing studies, disparities persist in the involvement of industrialized versus developing nations in LGFS research. This study uses bibliometric methodology with 627 Scopus-indexed data from 2007 to 2025 and VOSviewer to illustrate the co-authorship and keyword networks. Richer countries like the US, UK, and Australia are at the heart of the core-periphery structure, according to the research, while underdeveloped countries are mostly unrepresented on the periphery. Prominent writers and advocacy organizations are within European institutions. The Global South provides only limited intellectual guidance. Keyword co-occurrence mapping shows a shift during the COVID-19 epidemic from austerity and accountability to decentralization and governance. This study revealed disparities in worldwide LGFS research networks, potentially benefiting from donor-driven initiatives. It advocates equal co-authorship policies, enhanced training in underrepresented fields, and open-access distribution to promote inclusive knowledge advancement. The results provide guidance for establishing a framework for global and regional cooperation.
THE RELATIONSHIP BETWEEN CORPORATE GOVERNANCE AND FINANCIAL PERFORMANCE Kamola , Yusufova; Sari, Maya; Qudratov, Inomjon
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 5 No 1 (2026): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v5i1.285

Abstract

In corporate management, corporate governance is a framework that integrates accountability and control Long-term competitiveness and better financial performance are directly impacted by this system. The purpose of this literature study is to determine how important corporate governance mechanisms such as board composition, ownership concentration, CEO tenure, audit committees, internal control, and information disclosure transparency affect financial performance. The consequences of governance change for businesses and decision-makers in emerging nations like Uzbekistan are also examined in this research. The sources used in this study's structured thematic evaluation were chosen based on their applicability to agency theory, governance systems, and developing market financial performance. The evolution of the financial sector, state ownership structure, and governance circumstances are contextualised by integrating World Bank reports on Uzbekistan with scholarly literature.This analysis demonstrates how effective company governance enhances financial performance by lowering agency costs, increasing capital availability, enhancing the calibre of strategic choices, and boosting investor trust. But this impact is also influenced by the institutional setting. Concentrated ownership can improve monitoring but also increase the risk of conflicts of interest, therefore having an independent board of directors is not always beneficial. Moreover, disclosure regulations work best when they are backed by reliable enforcement. Crucially, when governance measures operate as an integrated system rather than a compliance checklist, the best financial performance is attained. These conclusions apply to businesses and officials seeking governance reform in developing nations, such as Uzbekistan, where investor protection is inadequate, state ownership is still predominant, and disclosure procedures are applied unevenly.
Islamic Religious Education Learning Strategy Pujianti, Etika; Mutoharoh, Latifatul; Wahidatussa'diyah, Binti; Sari, Maya; Padilah, Siti; Maulana, Rizki
Global Education Journal Vol. 4 No. 2 (2026): Global Education Journal (GEJ)
Publisher : Civiliza Publishing, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/gej.1540

Abstract

Islamic Religious Education (PAI) plays a strategic role in shaping students' character to become faithful, pious, and morally upright individuals. However, in practice, PAI learning still faces various challenges, such as the dominance of conventional teaching methods, low student participation, and a lack of innovation in the use of instructional strategies. This study aims to analyze effective PAI learning strategies, including approaches, models, methods, and their implementation in improving the quality of learning in the modern era. This research employs a qualitative approach using a library research method, drawing on books, scientific journals, and other relevant references. The findings indicate that effective PAI learning strategies must integrate contextual, humanistic, and spiritual approaches, and be supported by active learning models such as cooperative learning, problem-based learning, and inquiry learning. In addition, the utilization of educational technology is a crucial factor in enhancing learning effectiveness. In conclusion, the success of PAI learning is highly dependent on teachers' creativity in designing innovative, adaptive, and relevant strategies in accordance with contemporary developments
Digital Payment Adoption and Financial Management Efficiency of Culinary MSMES: A Study of QRIS Users in Bandung, Indonesia Sopian, Erik; Nugraha, Nugraha; Waspada, Ika Putera; Sari, Maya
Journal of Social Work and Science Education Vol. 7 No. 3 (2026): Forthcoming Issue
Publisher : Yayasan Sembilan Pemuda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52690/jswse.v7i3.1561

Abstract

This study examines the effect of digital payment adoption on the financial management efficiency of culinary micro, small, and medium enterprises (MSMEs) using the Quick Response Code Indonesian Standard (QRIS) in Bandung, Indonesia. Amid rapid digitalization, many MSMEs continue to face challenges in transaction recording and cash flow management, despite the potential of digital payment systems to automate and streamline these processes. A quantitative approach with a descriptive-causal design was employed. Data were collected through a Likert-scale questionnaire (1–5) administered to 100 culinary MSME owners who actively used QRIS for at least three months, selected through purposive sampling. Data analysis included validity and reliability testing, classical assumption tests (normality, linearity, heteroscedasticity), and simple linear regression. The results show that digital payment adoption has a positive and significant effect on financial management efficiency (β = 0.571, t = 6.884, p < 0.001). The coefficient of determination (R² = 0.326) indicates that 32.6% of the variance in financial management efficiency is explained by digital payment adoption. The use of QRIS automates transaction records, enhances data accuracy, minimizes manual errors, and simplifies reconciliation. Two items (ease of use and frequency of use) were dropped due to a ceiling effect, as active users exhibited homogeneous positive perceptions. This study concludes that QRIS adoption plays a meaningful role in improving MSME financial governance. Practical implications include the need for enhanced digital literacy training for MSME actors and integrated policy design by regulators. Limitations include the cross-sectional design and moderate explanatory power; future research should incorporate mediating variables such as digital financial literacy.
Pengaruh Current Ratio, Debt to Equity Ratio dan Firm Size terhadap Return on Equity Jufrizen, Jufrizen; Sari, Maya
Jurnal Riset Akuntansi Vol 18 No 1 (2019): Jurnal Riset Akuntansi Aksioma, Juni 2019
Publisher : Jurusan Akuntansi Fakultas Ekonomi Dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/aksioma.v18i1.58

Abstract

The purpose of this study is to analyze whether variables such as Current Ratio, Debt to Equity Ratio and Company Size have a partial or simultaneous influence on Return On Equity. The approach taken in this study is an associative approach. The population in this study were all Agriculture Subsector Companies listed on the Indonesia Stock Exchange (IDX) which numbered 14 companies, while the samples that met the criteria in sampling for this study were 6 Agricultural Subsector Companies listed on the Indonesia Stock Exchange (IDX). Analysis of sample data used in this study is Multiple Linear Regression. The results of the study show that partially Current Ratio has no significant effect on Return On Equity, Debt to Equity Ratio has no significant effect on Return On Equity and Firm Size does not have a significant effect on Return On Equity. Simultaneous Results show that Current Ratio, Debt to Equity Ratio and Company Size have no significant effect on Return On Equity.
Moderation Study In the Influence of Neurotransmitters on Investment Bias in Female Investors in Indonesia Lestary, Lena; Nugraha, Nugraha; Sari, Maya; Disman, Disman; SA, Erik
Journal Evaluation in Education (JEE) Vol 6 No 3 (2025): July
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jee.v6i3.2022

Abstract

Purpose of the study: This study aims to meticulously explore the moderating effect of financial literacy on the influence of neurotransmitters on investment bias. As a pioneering effort in behavioral finance, this research highlights cognitive and psychological aspects of investors, focusing specifically on female investors, and represents the first study to integrate financial literacy as a moderating variable in the context of neurotransmitter effects. Methodology: A quantitative approach was employed, targeting female stock investors in Indonesia. Purposive sampling was used alongside a semantic differential scale. Data were collected through the distribution of closed-ended questionnaires, preceded by instrument testing and a pre-survey. A total of 581 respondents participated, and data were analyzed using Structural Equation Modeling (SEM) Main Findings: The main findings reveal that financial literacy negatively affects investment bias, indicating that greater financial knowledge tends to reduce behavioral bias. However, even financially literate individuals may still exhibit bias. Furthermore, neurotransmitter activity shows a significant positive effect on investment bias, suggesting that biological factors amplify biased decision-making. Importantly, financial literacy significantly moderates this relationship in a negative direction, meaning that higher levels of financial understanding weaken the influence of neurotransmitters on investment bias. Novelty/Originality of this study: This research contributes novel insights to the development of behavioral finance theory by introducing financial literacy as a moderating factor in the biological–psychological pathway influencing investment behavior. The practical implications highlight the critical role of financial education in reducing behavioral biases in investment decision-making, especially among female investors.
Co-Authors ,, Erwansyah Abdul Aziz, Nor Farradila Abdul Hamid Abdul Muhaimin Elyusufi Abdul Rozak Abdul Rozak Achmad Rizki Azhari Ade Gunawan Ade Gunawan Adilla Bahri Lubis, Nur Afdhal Surya Hamid Afkar, Alysa Humairah Aghnia Meilana Putri Agus Rahayu Agustian, Aldy Agustin, Roro Rian Agustini, Kamelia Agustinus Ngadiman Ahiase, Godwin Ahmad Afandi Ahmad Sabri Ahmad Sabri Ahmad Saeroji Aidhya Irhash Putra Akma Khairunnisa Al Muna, Nuna Alfiana, Rinta Alghifari, Erik Alhadi, Fahmi Ali Hasan Al Bahar Ali Usman, Ali Allenidekania Allenidekania Alwinda Manao Amalia, Shendy Amirah, Eva Ammar, Muflih Ampomah, Philipina Anang Shophan Tornado Anayati, Wan Andriana, Denny Andrieta Shintia Dewi Anita, Apriliawati Antonius Antonius Arfina, Angga Arianto, Tezar Arifin, Adip Arista, Dora Arman Bemby Sinaga Armansyah Arrum Dwi Wahyuni Arus Reka Prasetia Asana, Annur Ramadhani Asih Rahayu Ajeng Agesti Askolani Askolani, Askolani Asma Asma Asriani, Elza Astuti, Fitri Diana Asya, Shadrina Aulia Rahman Harahap Awudu, Shaibu Ayu Juni Sihombing Ayu Nurwitasari Aziz Muradovich, Kayrdinov Aziza Maharani Azti, Tengku Mutiara Baehaqi Bahri, Aisyah Amanda Baihaqqi, Mhd Anggi Baihaqqy, Mochammad Rizaldy Insan Bakry, Mohammad Iqbal Balang, Fransiskus Barokah, Tetty Baso Pallawagau Budhi Pamungkas Gautama, Budhi Budiharto, Toto Caesarya, Sesy Cahyaningsih, Desi Cahyaningtyas, Christian Chairul Furqon, Chairul Chandra, Dicky Chatarina Umbul Wahyuni Ciptagustia, Annisa Dabi, Rowland Dabi, Rowland Seyram Koku Dahrani, Dahrani Daviq Chairilsyah Davu Raissa Elazar Dedy dedy dedy, dedy Desi Desi, Desi DESSY ADRIANI Destrinelli Destrinelli Desy Tri Anggarini Dewantara, Bachtiar Dewi, Intan Kumala Dian Kurnianingrum, Dian Dibias Lazuardi Maulid Dinda Adela Disman Disman Disman Disman, Disman Diwa Ardhaza Dona Afriyani Dwi Budi Santoso Dyan Eka Tamara Dynaria Siregar, Yetti Edem Lekettey Edi Suryadi, Edi Edisah Putra Nainggolan Efendi, Rinja Eka Nurmala Sari Eko Prihandono Eli Ratni Elni Fatimah Elviana Elviana, Elviana Elvina Sari Ema Nur Amalia Endah Wahyuni Erika, Friti Sinta Erric Wijaya, Erric Erwan Efendi Etika Pujianti Euis Bandawaty Fachrur Rozi Fajar, Pipih Nurul Fajri, Arinal Fanji Wijaya Fauziah, Sheilla Nurul Febri Nur Salamah Febrimeli, Dwi Febtrina, Rizka Feskaharni Alamsjah Feti Karfiati Memed Fidiana, Fidiana Fikri, Rizal Firman Ganda Manik Fitmawati Fitmawati Frido Sarita Simatupang Fuad Muchlis Furqan, Andi Chairil Gaol, Liska Yuni Br Lumban Ghotan Rolandi Ginting, Intan Anisa Gudiato, Candra Gunawan, Fany Gusmaneli Gusmaneli Gusmita Zalianti Habiddin Hairani, Debby Riana Hakiki, Iqbal Hanafi Nasution Handayani, Oktavia Hanif, Faizira Nur Hanifah Yusuf Harahap, Yanti Novita Hardita, Lisha Febrianty harisandi, Prasetyo Harun, Muhammad Fiqri Hasibuan, Ira Maulida Sari Haugesti Diana Helty, Mestika Riza Hendra Budiono Henny Herwina Heny Hendrayati HERI SUSANTO Herliani Herliani Heryana, Toni Heskia, Carlo Hidayat, Arman Hilman Firmansyah, Hilman Hilman, Shinta Indriawati Hindriyanto Dwi Purnomo Ho, Thuy Tien Hukmi Hukmi, Hukmi Husnul Khatimah Ibnu Rawandhy N. Hula Ika Putera Ika Putera Waspada Ikaputera Waspada, Ikaputera Ikaputra Waspada Ikhsan, Sugiyanto Ikin Solikin Ilahi, Wahyu Ilaina, Shofy Imas Purnamasari Indriyani Handyastuti Ingsun Kumala Irti Intan Royana Silalahi Irawan, Rini Larasati Irawati Irfani Irfan, Irfan Irfanny, Riza Irvandi, Wandra Irwan Sembiring Isnaniar Istiqamah, Istiqamah Iwan Kurniawan Iwan Kurniawan Jalaludin, Engga Januri, Januri Japo Alberto Jasmi Jasmi Jaya, Andi Eka Putra Jiye Jin Jufrizen Juju Masunah Julia Famor Pratami Julia Rahmah, Julia Juliana Br Simbolon Juliana br Simbolon br Simbolon Juliana, Nur Julita, Sety Kadewi, Ami Kamola , Yusufova Karimaliana, Karimaliana Karo, Tiy Kusmarabbi Karsiwan Karsiwan Kartika Sari, Lia Kasmiruddin " Khamiliyah, Lili Komariah, Elis Kpodo, Percy Chris Krishna Yuliawati, Ayu Kuntum Khaira Kurniadi, Elika Kurniawan, Ahmad Afrideni Kusnendi, Kusnendi Kusumah, Echo Perdana Kusumah, Reni Risnawati Laisya Okta Preyera Laster Jujanwar Bancin Latifah Sukmawati Yuniar Lekettey, Edem Leonardo, Enrico Lesmana, Hendy Lestari, Firda Maulani Lestari, Jayanti Rida Lestari, Nining Puji Lestari, Popy Lestary, Lena Lili Adi Wibowo Lilies N Tangge Lindesi Yanti Lisna, Yusi Yusnita Juwita Livia Fransiska Lubis, Febby Putri Anasya Luckyardi, Senny Lumbatoruan, Astuti Lusha Natasya Lusi Marleni, Lusi M. Arief Ramdhany M. Yazid Mac-Moqu, Francis Kortey Mahara, Khairunnisa Maimunah R Maimunah R Maimunah, Ai Maini Sitepu, Juli Maisyarah, Rini Mar Atun Saadah Mardhatilla, Mely Mardin, Mardin Maria Angela Siokalang MARIA BINTANG Mariana Mariana Mariati Siregar, Laura Marsia, Marsia Masriani . Masripah, Imas Siti Masrul Mathewi, Mathewi Maulana, Yono Maulana mawar sari Maysarah Nabila Mayta Novaliza Isda Mega Yusdian Puteri Mia Adilla Mira Mira Mira MMSI Irfan ,S. Kom Mochammad Imron Awalludin Moh. Yuddy Yudawirawan Mufarizuddin Mughni, Gilman Muh. Fahrudin Alawi Muhamat, Amirul Afif Muhammad Afif Muhammad Andi Prayogi Muhammad Baihaqki Muhammad Basyir Muhammad Firza Alpi, Muhammad Firza Muhammad Idris Muhammad Irfan Nasution Muhammad Luthfi Muhammad Luthfi Muhammad Nadjib, Muhammad Muhammad Nur Kholis Muhammad Nur Kholis Muhammad Ridho Muhammad Shareza Hafiz Muhammad Sofwan Muhammad Syahrizal MUHAMMAD YUSUF Muhammad, Saiful Muhyarsyah, Muhyarsyah Munaya Fauziah Muntholib Muriati, Dewi Sri Mursyidin Muslih Muslih Muslima Muslima, Muslima Mutata Uwi’ah Mutoharoh, Latifatul Nababan, Donal Nabila, Alfina Nadeak, Thomas Nadia Putri Nadia, Sherly Nadira Nurul Fathiyah Nasution, Affrina Nasution, Alamsyah Nasution, Mayang Sari Nasyalia, Cut Natasya, Lusha Natonis, Rolfi Nengsih, Luluk Wahyu Nery Sofiyanti Netti Siska Nurhayati Ngadimin Ngadimin Niha, Sarah Atun Niken ananda Nirzalin Nopiazinda, Adelia Nopita Yanti Sitorus Nopitasari, Nopitasari Novel Ersa Ilfada, Dwi Novi Anggelia Tratama Noviani, Doris Novien Rialdy Novitry, Viony Noviyanti P, Noviyanti P Nugraha Nugraha , Nugraha Nugraha Nugraha Nugraha Nugraha Nugraha, H. Nugraha, N Nugroho, Very Sapto Nur Afifah Harahap Nuranti Rumela Sirait Nurbani, Tri Nurcahyo, Azriel Christian Nurlinda, Andika Nurmala, Eka Nurohmah, Endah Nursayuti, Nursayuti NURUL HIDAYAH Nurul Ilmi, Nurul Nurul Siti Jahidah Nuryadin, Rully Nyimas Heny Purwati Oce Ridwanudin Olieviani, Marisa Onsardi, Onsardi Osep Yasier Almunsiri P, Noviyanti P, Noviyanti. Padilah, Siti Panab, Fridon D. Pane, Yuni Sarah Pardede, Rachel Christa Masniari Pawitra, Mohammad Tyas Perdana, Yoga Perdananti, Primanola Pohan, Mukmin Pranata, Syafroni Pratama, Siswa Pri Agung Danarahmanto Prihadi, M Dana Primawita Oktarima Puji Lestari, Sri Purnawati, Tri Purnomo, Budi Supriatono Purwandari, Istiti Purwati, Nyimas Heny Puspo Dewi Dirgantari Puteri, Mega Yusdian Putra Santoso Putri Lilis Dyani PUTRI WULANDARI Putri, Ariana Diyah Anesti Putri, Izmi Adinda Qudratov, Inomjon Rachmadi, Moch Faizal Raden Mohamad Herdian Bhakti Radiman Radiman Radiman Rahayu, Sri Ulfa Rahma Siska Utari Rahmayati Rahmayati, Rahmayati Rahmi Safitri, Rahmi Rakhmaji, Iqbal Rakhman, Ani Rakhmanita Ramadhan, Nanda Ramadhani, Indi Ramadhaniyah, Mona Rambe, Rizkina Ramadhani Ramdhonah, Zahra Rapida Saragih Rasdiana, Rasdiana Rasyidah Ratna Gumilang, Risa Ratri Harida Ratu Dinny Fauziah Renhoran, Farida Rennyta Yusiana Resti Indriarti Retno Wahyuningrum Rifani, Putri Ardila Rifda Afifah Rifki Hafas, Hafriz Rikawati Ginting Munthe Rinta Alfiana Ririn Ariyanti, Ririn Risdalina Risnati Malinda riswanto riswanto Rita Tri Yusnita Rizki Anugrah, Rizki Rizki Maulana, Rizki Rizki Yunanda Robert Sinaga Rofi Rofaida Rohan Ghaffaruddin, Muhammad rohmawati Rohmawati, Wahidah Roida Ervina Sinaga Rony, Zahara Tussoleha Rosadi, Asep Rosina Sitohang Rostina Sundayana RR. Ella Evrita Hestiandari Ruliandari, Latifa Rulli Hidayatullah S, Rizki Eka SA, Erik Sabinus Beni SABRINA, ELSA Safina, Nila Sahra, Maidina Sahureka, Marthine Salamah, Febri Nur Salfarini, Eligia Monixa Sandrina Dwi Melany Saputra, Yoerdy Agusmal Saputri, Diska Ayu Sara Wandari Saragih, Aji Fadillah Sarbaini Sarbaini Sari, Denny Novita Mayang sari, Mutia Satari, Karmelita Satyadharma, Maudhy Sayono Senny Luckyardi Sentot Purboseno Setiawati, Dewi Nur Shafira, Aliya Shafitri, Novia Mahera Sherlyna Puasari Shofy Ilaina Siolimbona, Indra Siregar, Ayu Irmayana Siregar, Marlina Siti Hawa Siti Kurniasih Siti Mujiatun Siti Rahayu Sitorus, Mido Ester Situmorang, Menara Wati Siwi Istiana Dinarti, Siwi Istiana Sobana , Dadang Husen Solihat, Deti Farida Sopian, Erik SORAYA, RATNA Sri Anum, Dani Sri Fitri Wahyuni Sri Puji Lestari SRI RAHAYU Sri Utami Widyaningrum Sriana Dewi Stefanus Laga Tukan Sua Betria Dhani Sugianto, Helena Anggraeni (Reni) Tjondro Sugiyono . Suhono Suhono, Suhono Sukma Lesmana, Sukma Sulistiawati, Reni Sumari Sumari Sundari, Aisyah Suryadi, Yopi Susanti Susanti Susiyanti Susiyanti Suwarno Swandi, Monica Kharisma Syafiqo, Syafira Auliani Syafitri, Yenni Syafrida Hani Syah, Razha Jamsik Syahputra, Fahmy Syaiful Amri Syamsiati . Thomas, Shanti Tia Yuliawati Tika Arwinda Tinjung Desy Nursanti Tita Maulidya Titin Supriatin TITIN SUPRIATIN, TITIN Titin Sutini Toni Wandra Tri Wulandari Triyono Adi Tristanto Ulfa Nurullita Utama, Wahyudayanto Utami, Nyda Utin Desy Susiaty Uwi’ah, Mutata Valina Julia Cahyani Vanessa Gaffar Veithzal Rivai Zainal Vemy Suci Asih, Vemy Suci Wahidatussa'diyah, Binti Wahyuni, Agus Wakhyuni, Emi Waluyanti, Fajar T Wardatus Sholihah Wartini, Tini Waspada, Ika Putera Wazdi, Babay Parid Wellyalina, Wellyalina Widia Astuti Widia Astuty Widodo, Melly Andani Widya Sastika Willma Fauzzia Wimpi Siski Pirari Winanda, Yola Wiwik Norlita Yani Nurhayani Yanti, Pitri Yasir Maulana Yayat Supriyatna Yeremia Niaga Atlantika Yoga Pratama Yono Maulana Maulana Yukans, Septy Sari Yulandri, Elsa Yuliana Yuliana Yuliantie, Putri Yuni Listiarini Yunika Afryaningsih Yusi Nurmalasari Zahro, Naila maulani Zainol, Fakhrul Anwar Zakariya Pamuji Aminullah Zakiah Zakiah Zalianti, Gusmita Zein, Jus Yuly Evi Zein Zulfadhli Zulfadhli Zulia Hanum