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ANALISIS PENGHINDARAN RISIKO PADA KEPUTUSAN INVESTASI DI PASAR MODAL INDONESIA Tazkiyah Sakinah; Budi Purwanto; Wita Juwita Ermawati
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 7 No. 1 (2021): JABM Vol. 7 No. 1, Januari 2021
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.7.1.66

Abstract

Decision making in the capital market is not always rational. It is due to the emotional involvement of investors, which is described through financial behavior. Investor decision making based on financial behavior is considered as a loss aversion contained in prospect theory. In this theory, the prospect of risk aversion behavior when the market is profitable, but this behavior becomes an obstacle for investors to get higher returns. This study aimed to analyze the risk avoidance behavior that limits investment decision making in Indonesian stock investors. Primary data were obtained from individual investor transactions on the IDX, and secondary data were in the form of daily stock data. Identification of risk aversion was carried out using a non-linear regression method. The measurement of psychological resistance was carried out through an independent sample t-test by measuring the difference between actual and expected returns. The results showed that Indonesia's capital market investors have a risk-averse behavior in the gain domain and risk-seeking in the loss domain. Risk-averse behavior could reduce investment productivity. Keywords: behavioral finance, decision-making, prospect theory, return, risk averse
Enhancing The Loyalty of Credit Guarantee Corporation Partners Through Service Quality, Facilities, Prices, and Accessibility Sakinah, Tazkiyah; Banuwa, Laili Fadhila; Nugroho, Dwi; Putri, Lidya Ayuni
International Journal of Economics, Business, and Entrepreneurship Vol 7 No 2 (2024): IJEBE July - December 2024
Publisher : FEB - Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/ijebe.v7i2.299

Abstract

This study aims to analyse the effect of service quality, facilities, price, and accessibility on the loyalty of credit guarantee partners on the Sumatra island. The research method is quantitative, using descriptive analysis and multiple linear regression. Primary data was obtained through questionnaires distributed to 135 credit guarantee partners, while secondary data was obtained from various sources relevant to the research. The results of the multiple regression analysis show that the four variables simultaneously have a significant effect on partner loyalty. However, only facilities and prices partially have a positive and significant effect. Accessibility had a significant negative effect, while service quality had no significant effect. These findings suggest that improved facilities and competitive pricing are key to increasing guarantor partner loyalty. This research has important implications for bonding companies in formulating strategies to maintain and increase partner loyalty.
Pelatihan Bahasa Inggris Aparatur Desa Purworejo Pesawaran Menuju Pelayanan Publik Berkualitas Lidya , Lidya Ayuni Putri; Hendrawaty, Ernie; Faisol, Ahmad; Suningsih, Sri; Sakinah, Tazkiyah; Sumanda Syafis, Kamadie
Jurnal Nusantara Mengabdi Vol. 3 No. 3 (2024): Juni
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jnm.v3i3.4082

Abstract

Purpose: The primary objective of this service was to enhance the English language communication skills of the officials in Purworejo Village, District Negeri Katon, Pesawaran Regency. This improvement aims to support the creation of higher-quality, efficient, and responsive public services in the context of globalization. Methodology/approach: The training utilized interactive methods, including lectures, discussions, and practical exercises. Tools used included pre-tests and post-tests to evaluate participants' knowledge and skills. The approach involved a systematic process: preparation (coordination and logistics), execution (delivery of training content by experts), and feedback (assessment through testing). Results/findings: The training program significantly improved 30 participants' English language proficiency, as evidenced by a marked increase in post-test scores compared to pre-test results. Participants' average scores improved by 20 points, demonstrating a substantial enhancement in their speaking skills. This improvement also translated into greater confidence in using English in professional contexts. Limitations: The training program was limited by its short duration, which may not have allowed for deep mastery of English. Additionally, the group setting may not have addressed individual learning needs, and the assessments focused on immediate progress rather than long-term retention and practical application of skills. Contribution: The service successfully achieved its goal of enhancing English communication skills among the village officials. The interactive and practical approach to training proved effective in improving language proficiency and confidence. This initiative not only better equips the officials to meet the demands of globalization but also enhances the overall quality of public service in their community.