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The Difference in Perceived Risk by Gender Among Novice Investors: before and during Covid-19 Pandemic Eko Ganiarto; Farida Komalasari
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 6, No. 1, March 2022
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/sijdeb.v6i1.73-88

Understanding of risk is very important for investors, especially for novice investors. Their perception about risk, whether for male or female novice investor is interesting to study. Likewise, in the current Covid-19 pandemic situation, analyzing the differences in the perceived risk between the two is interesting also to do, since it determines their investment behavior. At the end, their investment behavior will affect the economic condition. This quantitative study aims to know whether there are any differences in perception of investment risk between male and female novice investors, both before and during the Covid-19 pandemic. Beside that, this study also examines the interaction between gender and other demographic factors (age, education, occupation and income) to differentiate perceived risk, both before and during Covid-19 pandemic. The perceived risk variable used in this study was measured using five statement indicators. Data were obtained from 299 novice investor respondents in the Indonesian Stock Exchange in 2020, then processed and analyzed using the paired t-test for the mean difference method. The results showed that there were differences in perceived risk between male and female investors in the period before the Covid-19 pandemic. Meanwhile, during the Covid-19 pandemic, there was no difference between the two. Beside that there was a difference in perceived risk of male/female between before and during the Covid-19 pandemic. Meanwhile, age and occupation were the factors that differentiate perceived risk, especially before Covid-19 pandemics, while education, and income are not.

THE CHANGE OF BANKING CULTURE: FACTORS AFFECTING ONLINE BANKING USAGE IN INDONESIA Farida Komalasari; Fitriah Ramadhani
SAMPURASUN Vol 6 No 2 (2020): Sampurasun Vol. 6 No. 2 - 2020
Publisher : Lembaga Penelitian Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/sampurasun.v6i2.3316

This research is aiming to find the factors of Indonesian online banking usage using Technology Acceptance Model (TAM). This was a quantitative research, analyzing primary data which are collected using online questionnaire. Total respondents were 202, chosen by purposive and snowball sampling method. Several criterias are used to test the data’s validity and reliability. Hypothesis testing is done by using structural equation model, starting from perceived ease of use as independent variable, followed by perceived usefulness, attitude towards use and behavioral intention to use as mediating variables, and actual system usage as dependent variable. The result shows perceived ease of use significantly influences perceived usefulness and attitude towards use. Perceived usefulness significantly influences attitude towards use, but does not significantly influence behavioral intention to use. Attitude towards use significantly influences behavioral intention to use. Lastly, behavioral intention to use significantly influences actual system usage. So, it can be concluded that the TAM can be used to analyze the Indonesian online banking usage. This research is the first research, applying an original TAM on Indonesian online banking usage using SEM.

Analysis Factor Of Saving Behavior Of An Indonesian For Emergency Fund During Covid-19 Pandemic Roy Poan; Febby Permatasari; Farida Komalasari
International Journal of Family Business Practices Vol 4, No 1 (2021)
Publisher : Faculty of Business, President University

Purpose – The objective of this study is to find whether the independent variable, which is financial literacy, attitude towards saving, subjective norms, family socialization has a significant impact on the mediating variable, which is saving intention during the pandemic situation. Researchers also intrigues to find whether saving intention has a significant impact on the dependent variable which is saving behavior in Indonesia at current pandemic.Design/methodology/approach – This research study was conducted using a quantitative method using probability sampling, in which the primary data was collected from the questionnaire filled by 312 Indonesian from age >17 to <51 years old (productive age). The questionnaire was analyzed using validity and reliability test. The validity and reliability test found that all questions (30 questions) are valid and reliable and can be processed further. The hypotheses and research model of this study were tested using Structural Equation Model.Findings – The results of the survey show that saving intention is affected by saving behavior. In addition, saving intention is influenced by the attitude towards saving, subjective norm, family socialization. Moreover, the financial literacy toward saving intention is not related.Originality/value – The originality of this study is the first research integrating financial literacy, attitude towards saving, subjective norm, and family socialization, mediating by saving intention toward saving behavior in Indonesia

The effect of investment experience and financial literacy toward financial behavior on investment decision Salomo Michihiro Simanjuntak; A. A. Gede Rama Cahyaningrat; Dewa Made Adi Pranayanata Kusuma; I Nyoman Jyobala Wijaya Kanela; Leiviano Aaron Susanto; Farida Komalasari
Proceeding of the International Conference on Family Business and Entrepreneurship 2022: Proceeding of 6th International Conference on Family Business and Entrepreneurship
Publisher : President University

The covid-19 Pandemic made a lot of people work from home. It also made their wages decrease. Because of that, they tried to do something to make more money. From that, the investment and trading trend started to rise in Indonesia. However, not everyone has the same education and experience in investing or trading. From that, this research aims to examine whether investment experience, financial literacy, and financial behavior affect investment decisions or not. This is a quantitative study that uses online questionnaires to collect primary data. The questionnaires were distributed to 151 Indonesians who were chosen using the purposive sampling method. The data were analyzed with the use of the Structural Equation Model (SEM). Financial literacy and investment experience were employed as independent variables; meanwhile, financial behavior and investment decision, on the other hand, are the mediating and dependent variables. As a result, investment experience influences investment decisions indirectly through financial behavior. Same with that, financial literacy also influences investment decisions indirectly through financial behavior. This result could be used by many parties in developing an investment atmosphere in order to increase the investment decision.

Factors affecting saving behaviour among online gamers in Greater Jakarta Farida Komalasari; Dio Julio Sander; Adhi Setyo Santoso; Lukas Sangka Pamungkas
Proceeding of the International Conference on Family Business and Entrepreneurship 2022: Proceeding of the 5th International Conference on Family Business and Entrepreneurship
Publisher : President University

Games, especially digital online games in both PC and mobile phones are in its peak of developing and growing. Along with that, the number of gamers significantly increasedfrom every range of age for both men and women. In 2017, the number of gamers in Indonesia are 43.7million people, which increased to 52 million people in 2019. Contradicting the growth of gamers, Indonesians’ intention to save is low compared to other countries in ASEAN. Considering this phenomena, this paper aims to investigate the factors that affects saving behaviour of online gamers in Indonesia, especially in Greater Jakarta. This is a quantitative research using primary data from 218 respondents. The respondents are selected using non-probability sampling that are purposive sampling and snowball sampling. The data were gathered using questionnaire, whuch consists of demographic variables and 41 statements as variable measurementsdistributed to online gamers in Greater Jakarta, Indonesia. The data were analyzed using Structural Equation Model (SEM). A research found that financial literacy significantly influences both financial attitude and saving behaviour of online gamers in Greater Jakarta, Indonesia. The financial attitude also significantly influences their saving behaviour. Meanwhile, family influence and peer influence do not significantly influence their saving behaviour. Authors believe that this is the first research in Indonesia using this framework with online gamers as its object of research.

ENTREPRENEURS’ CHALLENGE IN DEVELOPING FAST FOOD RESTAURANT: A CASE OF FK CHICKENIN JAKARTA Farida Komalasari; Vallent Vallent
Proceeding of the International Conference on Family Business and Entrepreneurship 2021: Proceeding of the 4th International Conference on Family Business and Entrepreneurship
Publisher : President University

Increasing number of fast food restaurant encourages entrepreneurs to compose a suitable strategy in developing their business. Entrepreneurs should know well about the customers satisfaction factors of fast food restaurant and its impact on customers’ purchase intention. Knowing the influence of dineserve’s variables (food.quality, atmosphere, servicesquality,.convenicence.and.price) on customers’.satisfaction and purchase intention in fast food restaurant is needed. Therefore, this research’s objectives are to indentify the influence of dineserve on.customer satisfaction and to identify the influence of customers’.satisfaction on purchase intention of FK Chicken products. A quantitative analysis is carried out through circulating an online questionnaire, which consists of 37 statements.There are 250respondents which are choosen using purposive sampling and snowball sampling from its population. The population are people who have ever purchase of FK Chicken products in Indonesia. After checking the validity & reliability, SEM is used for model fit testing, hypothesis testing and R-Square analysis. The result shows thatthe product quality data is not valid, so it is excluded from the inferential analysis. The all four dineserve’s variables positively influence customer satisfaction and also customer satisfaction influences purchase intention. Therefore, an entrepreneur should focus on the way how to improve customers’s saticfaction by providing an interesting atmosphere, giving better servicesquality, improving the convenicence,.and offering an affordable.price. Keywords: Dineserve, Customer Satisfaction, Purchase Intention, Fast Food Restaurant, Indonesia

The Difference in Perceived Risk by Gender Among Novice Investors: before and during Covid-19 Pandemic Eko Ganiarto; Farida Komalasari
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 6, No. 1, March 2022
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/sijdeb.v6i1.73-88

Understanding of risk is very important for investors, especially for novice investors. Their perception about risk, whether for male or female novice investor is interesting to study. Likewise, in the current Covid-19 pandemic situation, analyzing the differences in the perceived risk between the two is interesting also to do, since it determines their investment behavior. At the end, their investment behavior will affect the economic condition. This quantitative study aims to know whether there are any differences in perception of investment risk between male and female novice investors, both before and during the Covid-19 pandemic. Beside that, this study also examines the interaction between gender and other demographic factors (age, education, occupation and income) to differentiate perceived risk, both before and during Covid-19 pandemic. The perceived risk variable used in this study was measured using five statement indicators. Data were obtained from 299 novice investor respondents in the Indonesian Stock Exchange in 2020, then processed and analyzed using the paired t-test for the mean difference method. The results showed that there were differences in perceived risk between male and female investors in the period before the Covid-19 pandemic. Meanwhile, during the Covid-19 pandemic, there was no difference between the two. Beside that there was a difference in perceived risk of male/female between before and during the Covid-19 pandemic. Meanwhile, age and occupation were the factors that differentiate perceived risk, especially before Covid-19 pandemics, while education, and income are not.

THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL ATTITUDE AND PEER INFLUENCE TOWARD RETIREMENT SAVING BEHAVIOR MODERATED BY GENDER: A CASE IN INDONESIA Farida Komalasari; Rendi Zikri Mulyadi
JEES: Journal of Economic Empowerment Strategy Vol. 6 No. 1 (2023): Volume 6 Number 1, February 2023
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jees.v6i1.6484

The purpose of this study is to determine the influence of financial literacy, financial attitude and peer influence with the moderation effect of gender and to analyze the differences in retirement saving behavior between male and female. The respondents of this study consists of 101 female and 101 male working individuals and were selected using non-probability sampling with purposive and snowballing techniques. The data collection instrument used was an online questionnaire. The data in this research were analyzed using One Way Analysis of Covariance (ANCOVA). The result showed that financial literacy influences retirement saving behavior with the moderation of gender, financial attitude influences retirement saving behavior with the moderation of gender, and peer influence influences retirement saving behavior with the moderation of gender. Another finding in this study was a difference between male and female working individuals in terms of their retirement saving behavior.

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