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All Journal Journal of Enterprise and Development (JED) International Journal of Applied Finance and Business Studies Indonesian Journal of Innovation Multidisipliner Research
Heriyadi Heriyadi
Universitas Tanjungpura, Indonesia
Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering

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Herding behavior, disposition effect & investment decision: Testing the role of risk perception Khairunnisa Khairunnisa; Heriyadi Heriyadi; Wendy Wendy; Ilzar Daud; Rizani Ramadhan
International Journal of Applied Finance and Business Studies Vol. 11 No. 3 (2023): December: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i3.189

Abstract

This study explores how herding behavior, disposition effect, and risk perception affect the investment decisions of college students, with risk perception as a moderating variable. The survey involved selecting 210 respondents using a purposive sampling technique. This research examined the association between independent and dependent variables using AMOS and SPSS to test the hypotheses. The Structural Equation Model (SEM) test results show that risk perception is not a moderating factor in the relationship between herding behavior and investment decisions. How individuals perceive risk can impact how the disposition effect influences investment decisions. The study’s findings indicated that herding behavior, the disposition effect, and risk perception strongly impact investment decisions.
Lifestyle, product diversity, and product quality on repurchase intention: Empirical research on western skincare Angga Oktavianto; Nur Afifah; Bintoro Bagus Purmono; Heriyadi Heriyadi; Ana Fitriana
Journal of Enterprise and Development (JED) Vol. 6 No. 1 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i1.8862

Abstract

Purpose — The objective of this research is to examine how lifestyle, product diversity, and product quality influence repurchase intention, as well as to investigate whether customer satisfaction can serve as a mediator.Method — The data collection method utilized an online questionnaire with a total of 224 respondents, aged at least 16 years old, who are users of the Shopee application and consumers of the Western skincare brand (Cerave), and have made purchases of the Western skincare brand (Cerave) on Shopee. Respondents were selected using a purposeful sampling method. Structural Equational Modeling (SEM) with the AMOS 24 tool was employed for data analysis.Result — The findings of this research indicate that lifestyle, product diversity, and product excellence have a positive and significant impact on repurchase intention. Customer satisfaction also demonstrates a positive and significant effect on repurchase intention, effectively mediating the relationships between lifestyle, product diversity, and product quality on repurchase intention.Novelty  — This study focuses on a Western skincare brand as the subject of research, as such brands have received limited attention in prior research. This distinction sets our research apart from previous studies in the field.
Pengaruh Fee-Based Income, Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Dana Pihak Ketiga terhadap Profitabilitas Bank Digital di Indonesia dengan Ukuran Bank sebagai Moderasi Welly Putri Ningsih; Juniwati Juniwati; Helma Malini; Heriyadi Heriyadi; Anggraini Syahputri
Indonesian Journal of Innovation Multidisipliner Research Vol. 4 No. 3 (2026): Juli - September
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v4i3.2086

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Fee-Based Income (FBI), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Dana Pihak Ketiga (DPK) terhadap profitabilitas bank digital di Indonesia dengan Ukuran Bank sebagai variabel moderasi. Profitabilitas merupakan indikator utama dalam menilai kinerja keuangan bank, khususnya di tengah pesatnya perkembangan industri perbankan digital yang menghadapi persaingan semakin ketat dan tuntutan efisiensi operasional yang tinggi. Penelitian ini menggunakan pendekatan kuantitatif dengan memanfaatkan data sekunder yang diperoleh dari laporan keuangan tahunan bank digital yang dipublikasikan secara resmi melalui situs web masing-masing bank selama periode 2017–2024. Profitabilitas diukur menggunakan Return on Assets (ROA), sedangkan Ukuran Bank diproksikan dengan total aset. Analisis data dilakukan menggunakan regresi data panel dengan pendekatan Moderated Regression Analysis (MRA) untuk menguji pengaruh langsung maupun efek moderasi dari ukuran bank. Hasil penelitian menunjukkan bahwa Fee-Based Income berpengaruh positif namun tidak signifikan terhadap profitabilitas bank digital. Sebaliknya, BOPO berpengaruh negatif dan signifikan terhadap profitabilitas, yang mengindikasikan bahwa peningkatan biaya operasional akan menurunkan kemampuan bank dalam menghasilkan laba. Dana Pihak Ketiga juga terbukti berpengaruh signifikan terhadap profitabilitas bank digital. Selain itu, Ukuran Bank hanya mampu memoderasi hubungan antara BOPO dan profitabilitas, tetapi tidak mampu memoderasi pengaruh Fee-Based Income maupun Dana Pihak Ketiga terhadap profitabilitas. Temuan penelitian ini menegaskan bahwa efisiensi operasional serta pengelolaan dana yang optimal merupakan faktor utama dalam meningkatkan profitabilitas bank digital di Indonesia dan dapat menjadi bahan pertimbangan bagi manajemen dalam merumuskan strategi peningkatan kinerja keuangan secara berkelanjutan.
Co-Authors Ana Fitriana Angga Oktavianto Anggraini Syahputri Bintoro Bagus Purmono Helma Malini Ilzar Daud Juniwati Juniwati Khairunnisa Khairunnisa Nur Afifah Rizani Ramadhan Welly Putri Ningsih Wendy