THE FINANCIAL BEHAVIOR OF INVESTORS USING DISCRIMINANT ANALYSIS APPROACH

Behavioral finance is a recent line of research that is attracting the attention of the investor.Behavioral finance has an important role in decision-making process of investors. Thepurpose of this study is to examine whether there are any differences in the decision ofinvestors in terms of demographic variables, such as marital status, gender, education level,and then it will be examined how the different criterias on financial behavioral factorsinclude: herding, heuristics, and behavioral factors are associated with the financialmarkets. This research is descriptive quantitative. The sample in this study consists of 120stock investors in Medan. Data were collected through questionnaires, interviews, anddocumentation studies. This research applies statistical technique of discriminant analysis,using the three groups of variables: marital status, sex, and educational level. The results ofthis study showed significant differences with an alpha of 5% on financial behavioralfactors in the decision of investors in terms of marital status groups. Meanwhile, there wasno difference in the decision of investors if in terms of other demographic variables, whichconsist of sex and level of education.Keuangan perilaku cabang keilmuan yang menarik perhatian investor. Perilaku keuanganmemiliki peran penting dalam proses pengambilan keputusan investor. Tujuan daripenelitian ini adalah untuk menguji apakah ada perbedaan dalam keputusan investor dalamhal variabel demografis, seperti status perkawinan, jenis kelamin, tingkat pendidikan, dankemudian akan meneliti bagaimana kriteria yang berbeda pada faktor perilaku keuanganmeliputi: herding, heuristik, dan faktor perilaku yang terkait dengan pasar keuangan.Sampel dalam penelitian ini terdiri dari 120 investor saham di Medan. Data dikumpulkanmelalui kuesioner, wawancara, dan studi dokumentasi. Penelitian ini menggunakan teknikstatistik analisis diskriminan, dengan menggunakan tiga kelompok variabel: statusperkawinan, jenis kelamin, dan tingkat pendidikan. Hasil penelitian ini menunjukkanperbedaan yang signifikan dengan alpha 5% pada faktor-faktor perilaku keuangan dalamkeputusan investor dalam hal kelompok status perkawinan. Sementara itu, tidak adaperbedaan dalam keputusan investor pada variabel demografis lainnya, yang terdiri darijenis kelamin dan tingkat pendidikan

Pengaruh Eco-Control, Environmental Performance, dan Corporate Social Responsibility terhadap Kinerja Keuangan perusahaan sub sektor makanan dan minuman di Bursa Efek Indonesia tahun 2019-2021

This study aims to test and analyse the effect of eco-control, environmental performance, corporate social responsibility on the financial performance of food and beverage sub-sector companies on the Indonesia Stock Exchange in 2019-2021. In the food and beverage sub-sector, since the pandemic took place until the beginning of 2021 it has still been able to consistently provide positive growth even though it is still limited and not too high. So far, environmental responsibility has been considered an ignored burden because companies have to incur certain costs to prevent environmental damage such as research costs on raw materials, waste management costs and so on. As a result, consumers do not get product satisfaction, excessive waste disposal and environmental conservation are not considered. The poor image of the company, which often appears in the mass media, clearly does not support the smooth operation of the company and is counter-productive to efforts to increase productivity and profits. It is now increasingly recognised that companies will not be able to continue to grow, if they do not care about the situation and conditions of the social environment in which the business runs. This research uses quantitative research with the sample used is 30 respondents. The data analysis method uses multiple linear regression. Purposive sampling was used as a sampling method. The conclusion of this study is that partially eco-control has a significant positive effect on financial performance, environmental performance has a negative and insignificant effect on financial performance, corporate social responsibility has a positive and insignificant effect on financial performance and eco-control, environmental performance, and corporate social responsibility together (simultaneously) have a positive and significant effect on financial performance. Keywords : Environmental Control, Environmental Performance, Corporate Social Responsibility, Financial Performanc

Comfirmatory Factor Analysis Terhadap Nilai Perusahaan Start Up Di Dunia

For start up companies that are relatively new and require large funds for development.there are also aspects that affect companies so that they can be valued well or vice versa in international markets.thisstudy aims to examine the effect of capital,equity on firm value moderated by innovation in start up companies in the word for the 2017-2021 period.A quantitative research approach.this type of research is asymentary relations.the sample is 17 companies and 85data.smartpls data analysis.the result of the study are that capital and equity have no company value in start up companies in the world for the 2017-2021 period.capital and equity affect innovation in the world for the 2017-2021 period.innovation has no effect on company value in start up companies in the world for the 2017-2021 period. Keywords: Capital,Equity,Innovation, Company Valu

equity valuation

materi pembahasan adalah tentang penilaian equitas terkait dengan investasi yang dilakukan oleh investor atau pun perusahaan, dengan tujuan untuk memperoleh keuntungan dari kegiatan investasi yang dilakukannya.Tersedia berbagai kerangka kerja dan model untuk melakukan penilaian, kerangka tersebut umumnya ada yang bersifat kuantitatif dan kualitatif. Model yang digunakan juga ada kuantitatif dan kualitatif. Pada model kuantitatif terdiri atas analisis fundamental dan teknikal. Penentuan penggunaan kerangka kerja tergantung pada sifat objek dan konteks penilaian yang dilakuka

Preferensi Konsumen dalam Memilih Metode Pembayaran Digital (Studi Kasus Pada Usaha Rumahan Pengolahan Hasil Laut di Desa Sentang Kec.Teluk Mengkudu Kabupaten Serdang Bedagai, Sumatera Utara)

Digital payment methods have experienced significant development, especially for small and medium businesses. The development of digital financial transformation in SMEs has become an interesting topic in recent research. Adoption of digital finance innovations can lead to long-term performance improvements in SMEs. This study aims to analyze the factors of Social Media Influencers, Company Brand Image, Promotional Benefits, Financial Technology Knowledge, Perceived Convenience Use, and Perception of Risk to interest in using digital payments in seafood processing home-based businesses in Sentang Village, Teluk Mengkudu District, Serdang Bedagai Regency, North Sumatra. Quantitative research method with analytical descriptive analysis techniques. The results of this study indicate that social media influencers and perceived risk have a negative and insignificant effect. Meanwhile, Promotional benefits, Fintech knowledge, Perceived usefulness, have a positive and significant effect. It is hoped that by understanding the factors that influence consumer choice, stakeholders can develop strategies to increase the adoption and use of digital payment systems, increase customer satisfaction, and drive economic growth

Pengaruh Struktur Modal, Pertumbuhan Penjualan Dan Ukuran Perusahaan Terhadap Profitabilitas Tiga Perusahaan Ritel Indonesia Yang Terdaftar Di Bursa Efek Indonesia

The purpose to analyze the effect of capital structure, sales growth and firm size to theprofitability at three Indonesian retail companies listed of the Indonesia Stock Exchange,partially and simultaneously. Methodology/approach – The sample used in this study amountedthree companies. The study used purposive sampling method and multiple regresion analysisanalysis The data analysis technique used in this research is multiple linear analysis. Findings – The results of the partial test (t test) of the Capital Structure (DER) variable have nopositive and insignificant effect to the Profitability (OPM). Sales Growth has a positive andsignificant effect to the Profitability (OPM). Firm Size has no positive and insignificant effect tothe Profitability (OPM). And simultaneously Capital Structure (DER), Sales Growth and FirmSize have a positive and significant effect to the Profitability (OPM). Novelty/value – The salesgrowth variable is the variable that has the largest partial effect compared to other variables inhe 2018-2021 period (quarterly

The Influence of Non-Performing Loans, Loan to Deposit Ratio and Interest Rates on The Proportion of Micro, Small And Medium Business Credit (MSMEs) In Indonesia

This study aims to examine and analyze the effect of non-performing loans, loan to deposit ratio and interest rates on the proportion of micro, small and medium enterprises (MSMEs) loans in Indonesia. The research method used in this study uses a quantitative research method with a type of quantitative descriptive research that is explanatory research. The population of this study are government bank companies listed on the Indonesia Stock Exchange as many as 3 companies. In this study, Bank BTN was not included because the financial statements from Bank BTN were not completely available. The data analysis method used is multiple linear regression. The results of the f test study where the probability results are 0.009145 <0.05 indicating that simultaneously Non Performing Loans, Loan to Deposit Ratios and Interest Rates affect the Proportion of Micro, Small and Medium Enterprises Credit (Case Study at Government Banks) in Indonesia. The results of the t-test research where Non-Performing Loans, Loan to Deposit Ratio and Interest Rates have no influence on the Credit Proportion. The results of the analysis of the coefficient of determination obtained an Adjusted R2 value of 0.278650, meaning that the variations in the Non Performing Loans, Loan to Deposit Ratio and Interest Rate variables are 27.86%, while the remaining 72.14% is explained by other variables