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All Journal Cakrawala: Jurnal Pengabdian Masyarakat Global Jurnal Akuntansi Dan Manajemen
Putu Anggreyani Widya Astuti
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Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Pengembangan Model Edukasi Investasi Berbasis Sains untuk Meningkatkan Kesadaran Keuangan dan Kemandirian Finansial Mahasiswa Andi Hasrun; Masseni Masseni; Rokhimah Rokhimah; Vantri Pieter Kelelufna; Putu Anggreyani Widya Astuti; Arce Y. Ferdinandus; Fitria Hafizah
Cakrawala: Jurnal Pengabdian Masyarakat Global Vol. 4 No. 3 (2025): Agustus: Cakrawala: Jurnal Pengabdian Masyarakat Global
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/cakrawala.v4i1.3997

Abstract

Students are a group that is developing themselves, both in academic and non-academic aspects, including in financial management. However, low financial literacy among students is one of the main obstacles in planning finances and investments effectively. Financial planning that involves investment can be a solution to achieving financial freedom in the future. Therefore, an educational model is needed that can increase students' interest and understanding of investment. One effective approach is to develop a science-based educational model, which allows students to understand the concept of investment through scientific methods that prioritize logic, analysis, and empirical evidence. With this approach, it is hoped that students can develop skills in planning finances and investments better
MENTAL ACCOUNTING BIAS TERHADAP PERILAKU KEUANGAN: SYSTEMATIC LITERATURE REVIEW Ignatz Novrian Fayliencent; Ferdinando Solissa; Margaretha Turor; Putu Anggreyani Widya Astuti
Jurnal Akuntansi Dan Manajemen Vol 36 No 3 (2025): JAM Vol 36 No 3 Desember 2025
Publisher : LPPM STIE YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53916/jam.v36i3.166

Abstract

This study aims to analyze the phenomenon of mental accounting bias and its implications for individual financial behavior through a systematic literature review (SLR) approach. A total of nine Scopus-indexed articles were reviewed to identify how mental accounting influences financial decisions in contexts such as investment, consumption, and personal money management. The results reveal that mental accounting bias significantly affects non-rational decision-making by leading individuals to categorize money into separate mental accounts that shape perceptions of risk, gain, and loss. In investment decisions, mental accounting causes investors to divide their portfolios based on emotional preferences rather than economic efficiency, while in consumption behavior, the house-money effect encourages higher spending of windfall income. Furthermore, the use of digital technologies such as smartphone applications has been found effective in mitigating this bias by increasing transaction salience and financial awareness. Theoretically, this research reinforces Prospect Theory (Kahneman & Tversky, 1979) and Financial Behavior Theory (Shefrin & Statman, 2000), emphasizing that financial decisions are influenced not only by rational factors but also by psychological and emotional processes. Practically, the study highlights the importance of behavioral financial literacy and technology utilization in reducing cognitive bias and promoting wiser financial management.
Co-Authors Andi Hasrun Arce Y. Ferdinandus Ferdinando Solissa Fitria Hafizah Ignatz Novrian Fayliencent Margaretha Turor Masseni Masseni Rokhimah Rokhimah Vantri Pieter Kelelufna