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All Journal JBTI : Jurnal Bisnis : Teori dan Implementasi Journal of Governance Risk Management Compliance and Sustainability
Fadli, Andi Muh Dzul
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Economics, Econometrics & Finance Environmental Science Social Sciences Other

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Understanding the impact of behavioral biases and financial literacy on investment choices: Evidence from Southeast Sulawesi Bahari, Samsul; Suriadi, Suriadi; Jasiyah, Rabiyatul; Fadli, Andi Muh Dzul; Hasddin, Hasddin
JBTI : Jurnal Bisnis : Teori dan Implementasi Vol. 16 No. 3 (2025): December 2025
Publisher : Universitas Muhammadiyah Yogyakarta

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Abstract

In Southeast Sulawesi, investment decision-making has increasingly been influenced by behavioral factors, amid dynamic trends in foreign direct investment (PMA) and domestic investment (PMDN). A nuanced understanding of how cognitive and emotional tendencies shape financial decisions is essential to designing more effective and inclusive investment strategies. This study investigates the impact of cognitive and emotional biases on financial literacy and investment behavior, while also exploring the mediating role of financial literacy. Employing an explanatory research design, the study surveyed individual investors registered with the Indonesia Stock Exchange in Southeast Sulawesi, numbering 17,354, with 391 respondents randomly selected and 276 providing valid responses (70.58%). Data were analyzed using Partial Least Squares–Structural Equation Modeling (SEM-PLS). Findings reveal that both cognitive and emotional biases substantially affect financial literacy, which in turn positively influences investment decisions. Empirical data from 2009 to 2023 show that investors with higher financial literacy are more capable of evaluating and responding to fluctuations in PMA and PMDN, thereby contributing to both foreign and domestic investment growth. These results highlight that mitigating behavioral biases and enhancing financial literacy are critical for improving investment outcomes and sustaining balanced development in regional investment activities.
Bank Profitability Level Based on Good Corporate Governance, Macroeconomics, and Specific Banks in Foreign Exchange Banks in Indonesia Hasddin, Hasddin; Mido, Muhammad Sardy Sujadi; Melati, Melati; Misnawati, Misnawati; Rama, Muhammad Irfan; Fadli, Andi Muh Dzul; Nartin, Nartin; Mirad, Mirad; Marjani, Marjani; Dahlifah, Dahlifah; Mais, Rimi Gusliana
Journal of Governance Risk Management Compliance and Sustainability Vol. 6 No. 1 (2026): April Volume
Publisher : Center for Risk Management & Sustainability and RSF Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/jgrcs.v6i1.3502

Abstract

This study examines how Good Corporate Governance (GCG), macroeconomic conditions, and bank-specific characteristics influence the profitability of foreign exchange banks in Indonesia. Using a quantitative approach, the research analyzes secondary data from the annual financial statements of foreign exchange banks listed on the Indonesia Stock Exchange over the period 2014–2022. The study investigates the direct effects of GCG on profitability, the influence of macroeconomic factors on bank-specific characteristics and profitability, and the role of bank-specific characteristics in determining profitability. Data were analyzed using partial least squares with a resampling technique to test the significance of relationships. The results show that GCG contributes positively to overall bank financial performance; however, its direct effect on profitability is positive but not statistically significant. Macroeconomic conditions are found to positively affect bank-specific characteristics, while exerting a negative influence on profitability. In contrast, bank-specific characteristics—particularly bank size, total assets, and deposit growth—have a significant and positive impact on profitability. These findings suggest that strengthening governance practices alone is not sufficient to directly increase profitability. Banks also need to improve asset management and expand deposit bases to enhance financial performance. In addition, effective management of macroeconomic risks is essential to reduce their adverse effects on bank profitability. This study provides empirical insights into the interaction between governance, economic conditions, and internal bank factors in Indonesia’s banking sector.
Co-Authors Bahari, Samsul Dahlifah, Dahlifah Hasddin, Hasddin Jasiyah, Rabiyatul MARJANI MARJANI, MARJANI Mido, Muhammad Sardy Sujadi Mirad, Mirad Misnawati Misnawati Nartin, Nartin Rama, Muhammad Irfan Rimi Gusliana Mais Suriadi