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MENGUKUR ADOPSI FINTECH UNTUK MENDUKUNG USAHA BAGI MITRA PELAKU UMKM BINAAN YAYASAN PALMA SEJAHTERA DI JAKARTA Eko Retno Indriyarti; Farah Margaretha Leon; Yosephina Purba; Siti Murdiah; Batara Alexander Liberty
Jurnal Pengabdian dan Kewirausahaan Vol 6, No 1 (2022): Jurnal Pengabdian dan Kewirausahaan
Publisher : Universitas Bunda Mulia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30813/jpk.v6i1.3329

Abstract

One of the problems that often occur in micro, small and medium enterprises (MSMEs) in Indonesia is capital. Moreover, during the COVID-19 pandemic, where the limitations of running a business and the limitations of community mobility are unavoidable obstacles that cause business turnover to be hampered. During this problem, an opportunity arose from the development of financial technology (fintech) which offers various solutions, one of which is online financing for businesses. This aims to support existing businesses ranging from capital to operations and business marketing. This is the background for the implementing team for community service activities from the Faculty of Economics and Business, Trisakti University to provide counseling to MSME actors to increase knowledge of this form of fintech. This activity took place on December 20, 2021, by providing counseling to 25 MSME actors assisted by the Palma Sejahtera Foundation located in Palmerah, West Jakarta. From the activity carried out, participants felt that the material provided was interesting, the material was easy to understand, and the material provided could increase knowledge and abilities. The participants also considered that the appointed resource persons had competence with the material presented and could convey the material. Overall, the participants were satisfied with the implementation of this community service activity. In addition, from a brief measurement carried out, MSME actors in these fostered partners still depend on security factors to be able to adopt the fintech platform. In addition, participants are also still dependent on a series of perceived ease-of-use factors for the fintech platform.
Bias perilaku investor dalam mengambil keputusan berinvestasi Amelia Hidajat; Farah Margaretha; Yosephina Purba
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 8 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (327.982 KB) | DOI: 10.32670/fairvalue.v4i8.1385

Abstract

This research aims to analyze the existence of investment decision-making processes by investors that are influenced by investment behavior bias variables and investor types as variables that are thought to moderate the relationship between the investment decisionmaking process and investment behavior bias. The investment behavior bias in the studyfocused on effect disposition behavior bias, habitual behavior bias following community, and excessive trustyadirian behavior bias. The data used in this study is primary data sourced from the results of surveys to investors who invested in stocks on the Indonesia Stock Exchange (IDX) for more than one year. Questionnaires were distributed to respondents and obtained as many as 350 answers of qualified respondents. Data analysis used for hypothesis testing is structural equation modeling (SEM) analysis using smart PLS 3 applications. The results showed that excessive risky behavior bias had a positive and significant influence on the investment decision-making process. In addition, investor type variables are proven to also moderate the direction of negative relationships between habitual behavioral bias following the community in investors and the investment decision-making process. The results of this study provide information that investment behavior bias, especially excessive trust and community habits need to be wary of investors because it can affect the investment decision-making process that may be able to make irrational decision actions.