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All Journal Jurnal Manajemen dan Bisnis (Performa) IMAGE JURNAL ILMU MANAJEMEN DAN BISNIS al-Uqud : Journal of Islamic Economics YUME : Journal of Management The International Journal of Business Review (The Jobs Review) Kumawula: Jurnal Pengabdian Kepada Masyarakat JURNAL AKUNTANSI Jurnal Pasca Dharma Pengabdian Masyarakat International Journal of Quantitative Research and Modeling Pattimura Proceeding : Conference of Science and Technology Jurnal Pengabdian Masyarakat Paguntaka Ta'allum: Jurnal Pendidikan Islam
Tia Yuliawati
Universitas Pendidikan Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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Journal : IMAGE

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Efek Faktor Moderasi Gender pada Relasi Financial Literacy dan Financial Ignorance terhadap Perilaku Keuangan Sari, Maya; Nurhayati, Netti Siska; Yuliawati, Tia
Image : Jurnal Riset Manajemen Vol 11, No 2 (2023): Image : Jurnal Riset Manajemen
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image.2023.015

Abstract

Financial well-being can be achieved through good financial behavior in the short and long term. Within the household group, financial behavior was associated with financial well-being, such as paying bills on time, saving, and investing. Financial literacy is one of the factors that form good financial behavior, on the other hand, financial ignorance leads to bad financial behavior. This study aims to examine the effect of gender moderation on the relationship between financial literacy and financial ignorance on financial behavior in household workers in Kota Bandung, Kabupaten Bandung and Kabupaten Bandung Barat. Primary data was taken through the distribution of google form questionnaires and collected as many as 75 samples. Data were analyzed using Moderated Regression Analysis (MRA). The results show that gender acts as a moderator in the relationship between financial literacy and financial ignorance on financial behavior. The partial test shows that an increase in financial literacy will have an impact on increasing positive financial behavior, on the contrary, an increase in financial ignorance will have an impact on decreasing positive financial behavior among respondents. The results of this study can be continued or developed by the next researcher, by adding several other moderating variables, such as class position, income, ethnicity, and others.
Overconfidence and Herding: How These Biases Affect Generation Z Investments Decision Making Yuliawati, Tia; Nugraha, Nugraha; Sari, Maya; Waspada, Ikaputera; Purnamasari, Imas; Hendrayati, Heny; Muhamat, Amirul Afif
Image : Jurnal Riset Manajemen Vol 12, No 1 (2024): Image : Jurnal Riset Manajemen
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image.2024.012

Abstract

The purpose of this study is to understand and analyze the impact of overconfidence bias and herding bias on the investment decisions of Generation Z. This research employs a survey method with a confirmatory approach. Data was collected from a sample of 104 respondents through questionnaires distributed via Google Form. Hypothesis testing was conducted using SEM Analysis with the assistance of SmartPLS 4.0 software. The results of the study indicate that overconfidence bias has a positive and significant influence on the investment decisions of Generation Z, while herding bias does not have a significant influence. Furthermore, this research reveals that the variables of overconfidence bias and herding bias can explain 45.4% of the variation in the investment decisions of Generation Z. However, it is important to acknowledge the limitations of this study, such as the relatively small number of respondents (only 104 respondents) and the absence of comparative analysis with demographic factors of other generational groups (e.g., older generations). This study is expected to provide deeper insights into the investment behavior of Generation Z and serve as a foundation for the development of wiser risk and financial management approaches for this demographic group.
Adopsi Literasi Fintech untuk E-Money di Kalangan Generasi Z Yuliawati, Tia; Hendrayati, Heny; Cintyawati, Cici; Furqon, Chairul
Image : Jurnal Riset Manajemen Vol 11, No 1 (2023): Image : Jurnal Riset Manajemen
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image.2023.001

Abstract

The purpose of this study was to determine and analyze the effect of fintech literacy on actual usage of electronic money in Generation Z, as well as to determine and analyze the influence of perceived ease of use, perceived usefulness, and personal innovativeness on actual usage of electronic money in Generation Z. The method used in this study is a survey method with a verification approach. Where data is collected from a sample of 100 respondents through a questionnaire distributed through Google Form. Hypothesis testing is done using SEM Analysis with the help of SmartPLS 3.0 software. The results show that fintech literacy has a positive and significant effect on actual usage of electronic money. Perceived ease of use and perceived usefulness have no significant effect on actual usage of electronic money, while personal innovativeness has a positive and significant effect on actual usage of electronic money. Personal innovativeness is also known to be a factor that has the greatest influence on actual usage of electronic money in Generation Z. This research has implications for the development of management science, especially to see the effect of fintech literacy on actual usage of electronic money that can be used by the financial services sector as a basis for decision making.
Co-Authors Achyarsyah, Mochamad Adirestuty, Fitranty Al Adawiyah, Rumaisah Azizah Askolani Askolani, Askolani Chairul Furqon, Chairul Chatarina Umbul Wahyuni Chazanah , Indah Nur Cici Cintyawati Ciptagustia, Annisa Fadhlani Kalia Fadjar Harimurti Ferry Tri Mulyana Firmansyah , Egi Arvian Giraliyandi, Maudina Putri Helmi Aziz Heny Hendrayati Ikaputera Waspada, Ikaputera Ikaputra Waspada, Ikaputra Imas Purnamasari Iqbal Abdul Rahman Lufthia Sevriana Maya Sari Miftahuddin, S.Si.,MAB., asep Mochamad Malik Akbar Rohandi Muhamat, Amirul Afif Nadri Taja Netti Siska Nurhayati Nugraha Nugraha Ririn Tri Ratnasari Sarwono, Aris Edi Simatupang, Frido Sarita Sisda Ferlianti Surachman, Eka Sutina, Hani Teguh Sandjaya Vanessa Gaffar