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Peran bias perilaku investor dalam proses pengambilan keputusan dan kinerja investasi Anwar, Roseline Mannuela; Wijaya, Hendry; Amelinda, Rita
Journal of Business & Banking Vol 14 No 1: May-October 2024
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i1.4618

This study aims to determine whether investor bias, including heuristic and herding biases, has an impact on investors’ investment behaviour, particularly in Indonesia. The sample was taken by purposive sampling, which is a non-probability sampling technique. This technique is used to identify respondents who have already made stock investments on the stock exchange. This study used 154 investor respondents, specifically those who started investing in stock from various range of age. The study employs path analysis using the Smart-PLS software tool for data analysis. The results of this study show that heuristic bias is proven to have a significant positive effect on investors’ investment decisions and performance. Furthermore, investment decisions are proven to mediate the effect of heuristic bias on investor investment performance. On the other hand, herding bias is not proven to have an effect on investor investment decisions and performance. In addition, investor investment decisions are also not proven to mediate the effect of herding bias on investor investment performance. Based on the results of this study, investors need to be aware of the role of heuristic bias to make more rational decisions that can ultimately improve investor investment performance.

Financial Well-Being Gen Z: Eksplorasi Investment Interest, Materialisme, dan Financial Ignorance Amelinda, Rita; Oktavini, Eva; Magdalena, Febriani Christina Susianti; Anwar, Roseline Mannuela
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 11 No. 1 (2025): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jemp.v11i1.728

This study investigates the influence of Investment Interest, Materialism, and Financial Ignorance on students' Financial Well-Being, with Propensity to Plan serving as a mediating variable. Data were collected from 185 students of the Faculty of Economics and Business in West Jakarta through questionnaires. The analysis employed Structural Equation Modeling (SEM) using SmartPLS 3.0 software. The findings reveal that Investment Interest and Materialism positively affect Propensity to Plan, whereas Financial Ignorance has a negative impact. Furthermore, Propensity to Plan significantly enhances Financial Well-Being. However, Investment Interest does not directly influence Financial Well-Being, underscoring the necessity of comprehensive financial planning to translate investment enthusiasm into tangible financial benefits. The relationships between Materialism and Financial Ignorance with Financial Well-Being exhibit complex dynamics, indicating the need for further research to understand the underlying mechanisms. Overall, the study emphasizes that meticulous financial planning and comprehensive financial education are crucial for achieving sustainable financial well-being.

Exploring The Relationship between Financial Awareness and Lifestyle Indulgence in Influencing Personal Finance Strategies and Investment Decisions Among Generation Z Tanoni, Meisien Elfira; Ann, Sheryl; Amelinda, Rita
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3943

This study examines the influence of financial literacy and a hedonistic lifestyle on personal financial management and investment decisions among Generation Z. Using a quantitative approach and purposive sampling technique, data were collected from 172 respondents aged 17–27 who manage their own finances and have investment experience. The data were analyzed using SmartPLS 3.0, which included tests for measurement models, structural models, and hypotheses. The results show that financial literacy and personal financial management positively and significantly affect investment decisions. On the other hand, a hedonistic lifestyle has a negative and significant impact on both personal financial management and investment behavior. The study also found that personal financial management mediates the relationship between financial literacy and investment decisions, as well as between hedonistic lifestyle and investment decisions. These findings highlight the importance of financial education and lifestyle control in improving investment outcomes among Gen Z. Encouraging better financial knowledge and responsible money habits can lead to more effective and informed investment decisions.

The Impact of Financial Literacy, Self-Control, and Digital Payment Usage on Generation Z's Consumer Behavior in West Jakarta Elaine, Angelica; Dharma, Evani Kurnia; Amelinda, Rita
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3941

This research seeks to examine the impact of financial literacy, self-control, and digital payment usage on the consumer behavior of Generation Z in West Jakarta. As a generation raised in the digital age, Generation Z demonstrates spending habits that are shaped by technological developments, including the convenience offered by digital payment platforms. The study adopts a quantitative approach, utilizing surveys through questionnaires distributed to Generation Z individuals living in West Jakarta. Data analysis is carried out using Outer Model and Inner Model evaluations. The findings reveal that financial literacy negatively influences consumer behavior, indicating that individuals with higher financial literacy are less likely to engage in excessive spending. Similarly, self-control also shows a negative relationship with consumerism, suggesting that those with stronger self-regulation tend to make more thoughtful purchasing decisions. In contrast, digital payment usage has a positive effect on consumerism, implying that transaction convenience may lead to increased impulsive buying. These results highlight the importance of developing more effective financial education programs tailored for Generation Z

Peran bias perilaku investor dalam proses pengambilan keputusan dan kinerja investasi Anwar, Roseline Mannuela; Wijaya, Hendry; Amelinda, Rita
Journal of Business & Banking Vol 14 No 1: May-October (2024)
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i1.4618

This study aims to determine whether investor bias, including heuristic and herding biases, has an impact on investors’ investment behaviour, particularly in Indonesia. The sample was taken by purposive sampling, which is a non-probability sampling technique. This technique is used to identify respondents who have already made stock investments on the stock exchange. This study used 154 investor respondents, specifically those who started investing in stock from various range of age. The study employs path analysis using the Smart-PLS software tool for data analysis. The results of this study show that heuristic bias is proven to have a significant positive effect on investors’ investment decisions and performance. Furthermore, investment decisions are proven to mediate the effect of heuristic bias on investor investment performance. On the other hand, herding bias is not proven to have an effect on investor investment decisions and performance. In addition, investor investment decisions are also not proven to mediate the effect of herding bias on investor investment performance. Based on the results of this study, investors need to be aware of the role of heuristic bias to make more rational decisions that can ultimately improve investor investment performance.

Pengaruh Work freedom, E-Commerce, Risk tolerance, dan Entrepreneurship education terhadap Minat Berwirausaha Mahasiswa FEB Jakarta Barat Evelin, Catherine; Amelinda, Rita
Jurnal Baruna Horizon Vol 8 No 2 (2025): JURNAL BARUNA HORIZON
Publisher : Sekolah TInggi Ilmu Administrasi dan Manajemen Kepelabuhan (STIAMAK) Barunawati Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52310/jbhorizon.v8i2.311

Abstract. This study aims to examine the influence of work freedom, e-commerce, risk tolerance, and entrepreneurship education on the entrepreneurial intention of students in the Faculty of Economics and Business at campuses located in West Jakarta. The research method applied is quantitative, using purposive sampling in the sample selection process. Primary data were collected from students of the Faculty of Economics and Business at campuses domiciled in West Jakarta, while secondary data were obtained from books and journals previously studied by other researchers. The findings reveal that the independent variables—work freedom, e-commerce, risk tolerance, and entrepreneurship education—explain or influence the dependent variable, entrepreneurial intention, by 0.945 or 94.5%, while the remaining 5.5% is influenced by other factors outside the study. The results further indicate that work freedom, e-commerce, risk tolerance, and entrepreneurship education have a positive and significant effect on entrepreneurial intention.

STRATEGI KEUANGAN UNTUK SISWA SMK: MENYIAPKAN FONDASI KEUANGAN SEJAK DINI Amelinda, Rita; Tanudjaja, Fahrentz Antonio; Onassis, Gabrielle; Ardiyansah, Rio; Erlina, Annastassia; Wijaya, Kevin
Jurnal AbdiMas Nusa Mandiri Vol. 8 No. 1 (2026): Periode Januari 2026
Publisher : LPPM Universitas Nusa Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33480/abdimas.v8i1.6613

Financial planning education is very important including for Vocational High School (SMK) students to prepare for a better future. This topic was chosen due to students' low awareness of the importance of early financial management, which can lead to financial difficulties in the future. This community service programme aims to increase understanding and practical knowledge of financial planning through interactive and applicable methods, such as seminars, questions and answers, and simple budgeting simulations. The results of the activity showed an increase in students' understanding of basic financial concepts, such as saving, managing expenses, and planning small investments. In addition, students were able to develop a more structured and realistic personal budget. The programme succeeded in raising awareness of the importance of financial literacy as a foundation for economic independence. These results confirm that financial planning education at the SMK level can be an important step towards building a financially savvy younger generation.

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