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All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan PENG: Jurnal Ekonomi dan Manajemen
Yovita R Pandin, Maria
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Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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Pengaruh Faktor ESG (Environmental, Social, Governance) terhadap Kinerja Portofolio Investasi Jangka Panjang Ardhi, Fillah; Adi P, Teguh; Aditya, Farhan; Yovita R Pandin, Maria
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 2 (2025): Juli: Development Economics and Regular Economics
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/dqrt8t74

Abstract

This research aims to explore the integration of ESG (Environmental, Social, and Governance) factors in the investment decision making process. Using a multimethod approach, this study applies secondary data analysis, ESG assessments and rankings, qualitative analysis of case studies, as well as simulation and portfolio analysis. Secondary data analysis reveals material trends, risks and opportunities related to ESG indicators that may affect long-term investment performance. Internal ESG assessments and ratings or through leading data providers are used to evaluate the ESG performance of companies. Interviews with investment managers, analysts and company representatives provide insight into ESG perceptions, practices and implementation challenges. Qualitative case studies reveal the dynamics and real impacts of ESG integration at the company level. Portfolio analysis and simulations help optimize investment composition by considering ESG factors. The findings of this research provide a comprehensive framework for investors to apply ESG considerations that are aligned with the principles of sustainability and social responsibility, while generating optimal returns in the long term. These results contribute to the development of more holistic and socially and environmentally responsible investment strategies.
DARK PATTERN DALAM APLIKASI DIGITAL FINANCE: PENGARUH DESAIN ANTARMUKA TERHADAP KEPUTUSAN KONSUMEN MENGAMBIL KREDIT DIGITAL Sadiqin, Amin; Yovita R Pandin, Maria; Kusmaningtyas, Amiartuti
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 5 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sibatik.v5i5.4991

Abstract

The development of digital finance has accelerated public access to digital credit through fintech lending, Paylater, and app-based financing products. However, this ease of access is not always followed by fully autonomous, rational, and informed consumer decisions. This study examines the phenomenon of dark patterns in digital finance applications, namely interface designs that subtly or explicitly direct, pressure, confuse, or manipulate users into making credit decisions that they might not have made if information, time, and alternatives were presented in a balanced manner. Using a qualitative approach based on literature studies and conceptual analysis, this study integrates literature on human-computer interaction, behavioral economics, consumer protection in financial services, and digital finance regulations in Indonesia. The analysis results show that dark patterns influence consumer decisions through four main mechanisms: asymmetry in information visibility, exploitation of cognitive biases, increased friction to refuse or cancel, and data-driven persuasive personalization. In the context of digital credit, these mechanisms can transform credit from a reflective financial decision into an impulsive transactional act. This research offers the concept of the dark credit interface as a novelty, namely a framework for understanding how interface design can weaken consumer protection, increase the risk of over-indebtedness, and challenge conventional oversight models that focus too much on the content of the contract, rather than on the architecture of digital choices before the contract occurs.
Co-Authors Adi P, Teguh Aditya, Farhan AGUS AGUS Amiartuti Kusmaningtyas Amin Sadiqin Ardhi, Fillah Aziz, M. Hartadi, Arif Slamet Riyadi Zaenal Arifin