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All Journal Jurnal Siasat Bisnis Jurnal Keuangan dan Perbankan JMM (Jurnal Masyarakat Mandiri) EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Pengabdian Masyarakat untuk Negeri (UN-PENMAS)
Zunairoh, Zunairoh
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Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Regional Development Bank Competition: Evidence from Indonesia Zunairoh, Zunairoh; Wijaya, Liliana Inggrit; Mahadwartha, Putu Anom; Murhadi, Werner Ria
Jurnal Keuangan dan Perbankan Vol 27, No 1 (2023): January 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i1.9414

Abstract

Regional development banks are intermediary institutions that can develop the national economy and drive regional development through local government management. This study aims to analyze the effect of competition in regional development banks on efficiency with risk as a moderating variable. This study uses the regression panel data estimation technique based on data from regional development banks in Indonesia for the period 2016- 2020, a total of 130 observations. The novelty of this study is that it is still rare to examine using a sample of regional development banks using the Leaner Index model to analyze bank competition. This study finds that competition negatively and significantly affects efficiency at regional development banks in Indonesia. Risk strengthens the impact of competition on efficiency. The unstoppable competition requires banks to make several efficiencies both from the micro and macro sides to survive. Regional development banks are very close to local governments, so they should be able to optimize investments in technology-based products and services and improve credit quality.JEL: G2, G21, G28
BEHAVIOUR BIAS IN INVESTMENT DECISIONS: EMPIRICAL STUDY OF INVESTOR PSYCHOLOGY IN INDONESIA Marciano, Deddy; Zunairoh, Zunairoh; Wijaya, Liliana Inggrit
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 8 No 3 (2024): September
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2024.v8.i3.6380

Abstract

Investing involves putting money into a variety of asset classes for a predetermined amount of time in the hopes of increasing total value and producing more income. The goals of investments and economics, such as value creation, profit generation, and other related goals, are strongly correlated. It is critical to recognize that investments may include additional financial, social, and spiritual goals. This research aims to assess investor behavior from internal and external perspectives concerning investing decisions. This study employs the Structural Equation Model (SEM) methodology utilizing the Smart-PLS software. This study's findings demonstrate that qualities including anger, anxiety, overconfidence, and self-monitoring positively influence investment decisions. Herding mitigates the adverse impacts of anger, anxiety, overconfidence, and self-monitoring on investment decisions. This research's consequences can assist investors in circumventing irrational risks and yield more objective findings grounded in thorough study. This tendency can result in inefficient market transactions, asset bubbles, and significant volatility. This study arose as a counter to the conventional understanding of exchange markets predicated on the premise of trader rationality. This research identifies that emotional emotions, risk perception, and cognitive biases frequently affect investment decisions by comprehending human nature.
PEMANFAATAN SAMPAH ORGANIK RUMAH TANGGA SEBAGAI PUPUK ORGANIK BERNUTRISI MENGGUNAKAN ALAT COPPER MANUAL DENGAN METODE VERMICOMPOST Fatkhurrohman, Fatkhurrohman; Zunairoh, Zunairoh; Ruviana, Rizqa; Musyaroh, Musyaroh; Izzah, Anisah Nurul
JMM (Jurnal Masyarakat Mandiri) Vol 9, No 3 (2025): Juni
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v9i3.31510

Abstract

Abstrak: Kota Surabaya memiliki jumlah penduduk 2,9 juta jiwa dan terus mengalami peningkatan setiap tahunnya. Sejalan dengan hal tersebut, volume sampah yang dihasilkan mencapai 2.913 ton perhari. Oleh karena itu, diperlukan adanya pemanfaatan dari sampah guna mengurangi volume sampah yang setiap tahunnya mengalami peningkatan. Salah satu upaya yang bisa dilakukan yaitu dengan memanfaatkan sampah menjadi pupuk organik bernutrisi. Tujuan penyuluhan yaitu memberikan wawasan bagaimana memanfaatkan sampah organik rumah tangga menjadi pupuk organik bernutrisi dengan metode vermicompost. Metode pelaksanaan dilakukan dengan penyuluhan secara langsung didepan warga Kelurahan Medokan Semampir Kota Surabaya yang dihadiri sebanyak 30 orang. Evaluasi dilakukan menggunakan pre test dan post test berkaitan dengan pengetahuan dan pemahaman terhadap proses pembuatan pupuk organik menggunakan copper manual dengan metode vermicompost. Hasil pre test dan post test menunjukkan peningkatan pengetahuan dan pemahaman warga sebesar 71% menjadi 97%. Diharapkan dengan adanya kegiatan ini warga dapat memanfaatkan sampah organik rumah tangga sehingga dapat mengurangi volume sampah di Kota Surabaya.Abstract: The city of Surabaya has a population of 2.9 million people and continues to increase every year. In line with this, the volume of waste produced reaches 2,913 tons daily. Therefore, it is necessary to utilize waste to reduce the volume of waste which increases every year. One effort that can be made is to utilize waste into nutritious organic fertilizer. The purpose of the counseling is to provide insight into how to utilize household organic waste into nutritious organic fertilizer using the vermicompost method. The implementation method is direct counseling in front of residents of Medokan Semampir Village, Surabaya City, which was attended by 30 people. The evaluation was carried out using a pre-test and post-test related to insight and understanding of the process of making organic fertilizer using manual copper with the vermicompost method. The results of the pre-test and post-test showed an increase in residents' insight and understanding 75% to 97%. It is hoped that with this activity, residents can utilize household organic waste so that they can reduce the volume of waste in the city of Surabaya.
The effect of behavioral factors on investment decision towards stock market between Indonesia, Japan, and Thailand Marciano, Deddy; Wijaya, Liliana Inggrit; Sugianto, Laurenco Lingguardi; Zunairoh, Zunairoh
Jurnal Siasat Bisnis VOL 29, NO 2 (2025)
Publisher : Management Development Centre (MDC) Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jsb.vol29.iss2.art4

Abstract

Purpose – This research consists of Behavioral Finance where it is focused on cognitive bias factors influence on Investment Decision with using the scope of research in three countries which are Indonesia, Thailand, and Japan.Design/methodology/approach – the method of research is categorized as quantitative research where it uses a questionnaire with 232 respondents. Then, the data is processed and analyzed using software SmartPLS 3.0.Findings – The findings reveal that overconfidence and availability bias have a significant positive effect on investment decisions, while herding behavior has a negative effect and anchoring bias shows no significant influence.Research limitations/implications – This research is limited by its relatively small sample size of 232 respondents across three culturally and economically diverse countries, which may affect the generalizability of the findings.Practical implications – The strong influence of overconfidence and availability bias highlights the need for improved investor education focused on risk awareness and critical analysis, especially in the digital era. Also, to prevent irrational behavior driven by herding, financial institutions and regulators should enhance collective financial literacy and promote transparent, data-driven decision-making.Originality/value – This result provides reasonable insight into why there is a difference in results between each country supported with the data and results from the previous research that have been done before.
Adopsi teknologi mesin kasir pintar pada UMKM aneka camilan di Kabupaten Mojokerto Gunawan, Gunawan; Zunairoh, Zunairoh; Dewi, Ardhia Deasy Rosita; Batutah, Moh. Arif; Oktavianus, Joshua; Huda, Muhammad Suhail Annur
UN PENMAS (Jurnal Pengabdian Masyarakat untuk Negeri) Vol 5 No 1 (2025): UN PENMAS Vol 5 No 1
Publisher : LPPM Universitas Narotama

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

UMKM di kawasan wisata memproduksi aneka jajanan sebagai oleh-oleh kawasan wisata. Program Pengabdian Kepada Masyarakat ini bertujuan untuk meningkatkan kemampuan UMKM dalam sistem informasi penjualan dengan mengadopsi teknologi mesin kasir pintar. Mitra yang disasar adalah suatu UMKM di kawasan wisata yang terletak di Desa Selotapak, Kecamatan Trawas, Kabupaten Mojokerto. Mitra ini mempunyai toko untuk menjual produknya sendiri maupun produk yang dititipkan oleh pelaku UMKM lain yang tergabung dalam kelompok UMKM desa. Metode pelaksanaan kegiatan meliputi 5 tahapan yaitu: Seleksi teknologi, Pelatihan pengoperasian, Pembuatan katalog dengan barcode, Pendampingan penerapan teknologi, dan Evaluasi/Tindak Lanjut. Hasil penerapan teknologi ini membuat administrasi penjualan menjadi tertib dan menyajikan data yang akurat. Mitra binaan menyatakan bahwa program ini memberikan manfaat dan meningkatkan citra mereka sebagai UMKM di pedesaan dengan menggunakan teknologi maju.
Co-Authors Ardhia Deasy Rosita Dewi Batutah, Moh Arif Deddy Marciano Fatkhurrohman Fatkhurrohman, Fatkhurrohman Gunawan Gunawan Huda, Muhammad Suhail Annur Izzah, Anisah Nurul Liliana Inggrit Wijaya Musyaroh, Musyaroh Oktavianus, Joshua Putu Anom Mahadwartha Ruviana, Rizqa Sugianto, Laurenco Lingguardi Werner R Murhadi