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All Journal Jurnal Penelitian Pendidikan Indonesia Journal Of Economic Sciences (Ekuisci)
Asep Kurniawan
Universitas Pendidikan Indonesia
Economics, Econometrics & Finance Other

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Influence of principal leadership and education financing management against school productivity in public high school (SMAN) Asep Kurniawan
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol 9, No 4 (2023): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020232210

Abstract

The main problem revealed in this study is how the influence of principal leadership and education financing management affects school productivity both partially and collectively. The research method used was the explanatory survey method, with a five-category Likert scale questionnaire data collection technique, on 124 state high school teachers in Bandung City. The data processing technique used is path analysis modeling. This technique is used to determine the direct and indirect influence of exogenous variables on endogenous variables. The significance test uses the F-test and the t-test. The results showed that school productivity in state high schools tends to be high, as indicated by the indicators that form school productivity, which tend to be high as well. The high level of school productivity is influenced by the leadership of high-level principals who are able to manage education financing properly. This study recommends to schools that they improve the factors that are still considered low, as shown by the average score of the indicators that can be seen in the discussion of this study at Bandung.
The Moderating Role of Financial Literacy and Gender on The Effect of Overconfidence And Present Bias on MSME Financial Decision-Making In Bandung City, Indonesia Heraeni Tanuatmodjo; Asep Kurniawan; Badria Muntashofi; Laely Purnamasari; Imas Purnamasari; Pitri Yanti
Jurnal Ekuisci Vol 3 No 6 (2026): Vol 3 No 6 July 2026
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/ekuisci.v3i6.1246

Abstract

Background. Behavioral finance research has so far focused largely on capital-market investors in developed countries, while understanding of how overconfidence and present bias shape the financial decisions of Micro, Small, and Medium Enterprise (MSME) owners in developing countries particularly the protective role of financial literacy and gender as moderators remains limited and yields inconsistent findings across contexts. Aims. This study addresses that gap by examining the effect of overconfidence and present bias on financial decision-making among 388 MSME owners in Bandung City, Indonesia, with financial literacy and gender as moderating variables. Methods. Using Moderated Regression Analysis (MRA), the results show that overconfidence (β=-0.324, p<0.001) and present bias (β=-0.581, p<0.001) both have a significant negative effect on the quality of financial decision-making. Result. Financial literacy moderates the effect of overconfidence (β=-0.026, p=0.035) but does not moderate the effect of present bias (p=0.999)  a pattern that contrasts with some findings among individual investors in Pakistan and Saudi Arabia. Gender is not found to moderate either relationship (p>0.05), diverging from the classic finding of Barber and Odean (2001) in the United States investor context. Conclusion. These findings indicate that the effectiveness of financial literacy as a protective factor is bias-specific rather than bias-general, with important implications for the design of financial literacy interventions for the MSME sector in developing countries.
Co-Authors Badria Muntashofi Heraeni Tanuatmodjo Imas Purnamasari Laely Purnamasari Pitri Yanti