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Journal : International Journal of Business, Law, and Education

Influence of Financial Literacy, Herding Behavior, and Risk Perception on Financial Behavior: Case Study in West Java, Indonesia Hidayat, Gustina; Anwar, Mokhamad; Affandi, Azhar
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.948

Abstract

This study investigates the influence of financial literacy, herding behavior, and risk perception on financial behavior in West Java, Indonesia, while examining the moderating role of financial literacy. Employing a quantitative approach, data were collected from 400 respondents through structured questionnaires and analyzed using Structural Equation Modeling (SEM). The results reveal that financial literacy significantly enhances financial behavior, mitigates the adverse effects of herding behavior, and strengthens the positive impact of risk perception. Herding behavior negatively affects financial behavior, while risk perception has a positive influence. The findings highlight the crucial role of financial literacy in promoting informed and independent financial decision-making, underscoring the need for targeted financial education initiatives. These insights provide valuable implications for policymakers, financial institutions, and educators aiming to improve financial well-being in Indonesia.
The Influence of Corporate Governance, Capital Structure, and Profitability on Firm Value in Banking Sector in Indonesia Hidayat, Gustina; Affandi, Azhar; Anwar, Mokhamad
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.991

Abstract

This study investigates the influence of corporate governance, capital structure, and profitability on firm value in the Indonesian banking sector. Using a quantitative research design, data were collected from publicly listed banks’ financial reports and analyzed through multiple regression. Results indicate that corporate governance and profitability positively impact firm value, while high capital structure negatively affects it. Control variables, such as bank size and liquidity, also show significant relationships. These findings highlight the importance of robust governance, prudent debt management, and operational efficiency for sustainable growth. The study offers practical insights for managers, regulators, and investors while addressing limitations for future research.
ENTREPRENEURIAL CHARACTER DEVELOPMENT STRATEGY FOR PRODUCTIVE AGE HOUSEWIVES Avianti, Widiya; Affandi, Azhar; Djulius, Horas
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.246

Abstract

The creative economy industry can develop and progress with support from the Creative Economy Agency owned by the Government of Indonesia. The role of a woman is to take care of the family and manage household activities. When a woman owns or manages a business enterprise, the majority of locals seem to question her ability to strike a balance between work and family responsibilities. The significant function of micro, medium and small enterprises in Indonesia is owned and managed by women entrepreneurs. Respondents of productive age housewives in the DIY Upload community to illustrate and produce Human Resource Development Strategies for the formation of a strong Entrepreneurial Character in productive age housewives. The Strategy of Cooperation with External Parties and the Strategy for Increasing Management and Business Knowledge are strategies needed to improve weaknesses and seize opportunities for the formation of a Resilient Entrepreneurial Character.
Co-Authors *Wala Erpurini Abdurohim, Dindin Achmad Rozi Ading Rahman Sukmara Adiputra, I Gede Ahmad Nurhadi Akbar, Irfan Rizka Akhmad Sobarna Andari Andari, Andari Andiyanga Udobong Angga Pratama Apriansyah, Muger Aprih Santoso Asep Dedi Sutrisno Atang Hermawan Atty Tri Juniarti Catur Setiya Sulistiyana Dadang Suwanda Dadang Suwanda Daniel Happy Putra Delly Sukmanawan Denok Sunarsi Denok Sunarsi Denok Sunarsi Denok Sunarsi Denok Sunarsi Denok. Sunarsi Diah Asdiani Didik Setiyadi Djuhriah, Nany Djulius , Horas Dodi Ilham E. Nurzaman AM Eddy Jusuf Eddy Yusuf, Eddy Effendi Effendi Effendi Effendi Effendi, Effendi Ellen Rusliati Emaya Kurniawati Erik Alghifari Erlangga, Heri Erpurini, *Wala Erpurini, Wala Eti Ariyanti Eyo Itam Eyo Farida Agustin, Farida Finny Redjeki Fresy Nugroho Ganar, Yulian Bayu Gojali Supiandi Graha Prakarsa Haedar Akib Hartuti, Elizabeth Tika Kristina Hastono, H. Herling Herling Herling Herling Hermansyah, Taufik hernawan hernawan Heru Setiawan Heru Setiawan Herwani, Aldrin Hidayat, Gustina Hindriari, Reni Horas Djulius I Gede Adiputra I Gede Adiputra Iman Sudirman Irmal, Irmal Ivan Gumilar Sambas Putra Iwan Sidharta Jaja Suteja Jasmani Jasmani Jhoni Maslan Kahpi, Heri Sapari Kamaludin, Yamin Kholili, Irfan Komariyah, Iis Kosasih Kristianti, Lily Setyawati Laila Irawati Luluh Abdillah Kurniawan MADUNINGTIAS, LUCIA Maludin Panjaitan Moh. Sidik Priadana Mohamad Duddy Dinantara Mokhamad Anwar, Mokhamad Mujahidin Mujahidin Mulyaningrum Mulyaningrum Mutaqin, Ghani Mutaqin, Rizal Nani Nani Nila Nurochani Nuriawati, Umi Nurjaya Nurjaya Nurwijayanti Nyoman Suprastha Okti Rahma Jyana Rahadyan Tajuddien Rahmat Heryat Furqon Rahmat Heryat Furqon Rahmi Andini Syamsuddin Rasfiuddin Sabaruddin Rozi, Achmad Rr Titie Purwaningsari Rusyani, Erni Sahary, Fitry Taufiq Santoso, Ferry Sarman, Rohmat Sarwani Sarwani Senen Machmud Setyaning, Aldilla Nadhira Ayu Siti Rohaya Solihin Sudarso, Aden Prawiro Sudirman, Imam Sukenda, Enda Sunarsi, Denok Supriyadi Supriyadi Suwanto Suwanto Suyatin Suyatin Tatang Suhidayat Teguh Budi Prijanto, Teguh Budi Triyadi Triyadi Turmudzi, Didi Ulfa Ika Putri Umi Nariawati Umi Narimawati Umi Narimawati Umi Narimawati Umi Rusilowati Umi Rusilowati Undang Juju Wahyitno Wahyitno Wahyu Nurul Faroh Wayan Ardani Widhi Wicaksono Widiya Avianti Widodo, Adji Widya Intan Sari Win Hendrawan Yahya, Adibah Yudhi Koesworodjati