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Mellyza Silvy
STIE Perbanas Surabaya
Economics, Econometrics & Finance

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Pengaruh tingkat literasi keuangan, experienced regret, dan risk tolerance pada pemilihan jenis investasi I Putu Santika Putra; Herliana Ananingtiyas; Dea Rachmalita Sari; Aninda Sandra Dewi; Mellyza Silvy
Journal of Business & Banking Vol 5, No 2 (2015): November 2015 - April 2016
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v5i2.707

Abstract

Nowadays, the economy has been growing so rapidly that it makes people think of get-ting their income beyond the salary they get from their work. One way to get it is by investing. However, when investing, they find a few things to note such as financial literacy, investment experience, and risk tolerance. This is to minimize the risks as we accept, for example scams. This purpose of study is to examine the effect of financial lite-racy, experienced regret, and risk tolerance on investment decision making among socie-ty in Surabaya and Madura. This study used purposive, convenience and snow-ball sampling method. There were 185 respondents taken by questionnaire and survey me-thod. To test the hypotheses, this study employed descriptive analysis and multiple re-gression analysis. Moreover, by performing multiple regression analysis, this study found that only the experienced regret have significant effect on investment decision making, but risk tolerance and overconfidence did not affect the investment decision.
Pengaruh niat berperilaku dan kecerdasan spiritual terhadap pengelolaan keuangan keluarga Ririt Faridawati; Mellyza Silvy
Journal of Business & Banking Vol 7, No 1 (2017): Mei - Oktober 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v7i1.1465

Abstract

Family financial-management is vital for achieving a financial well-being. When a family has a barely-enough income that is managed properly and wisely, it is possible that the family can live peacefully, happily, and prosperously. Although people know the importance of family financial- management, there are still many families who haven’t applied a financial management in their families. This study aimed to examine the impact of behavioral intention and spiritual intelligence on family financial-management. The sample was taken from financial managers of families that live in Gresik, Surabaya, Sidoarjo, and Mojokerto. The sample was taken using a purposive sampling based on family income with a minimum total income Rp 4,000,000/month and snowball sampling. The data were taken by distributing the questionnaires. The results show that the behavioral intention has a positive and significant effect on family financial-management and spiritual intelligence laso has a positive impact but not significant on family financial-management.
Co-Authors Aninda Sandra Dewi Dea Rachmalita Sari Herliana Ananingtiyas I Putu Santika Putra Ririt Faridawati