Pengaruh Risk Management, Overconfidence Dan Herding Bias Terhadap Finacial Decision Pada Karyawan PT. Mce Seimitsu Indonesia Dalam Menggunakan Dompet Digital
DOI:
https://doi.org/10.37385/xf1v0e05Keywords:
Risk Management, Overconfidence, Herding Bias, Financial DecisionAbstract
Tujuan: Penelitian ini mengkaji penggunaan dompet digital oleh karyawan PT. MCE Seimitsu Indonesia, beserta pengaruh Herding Bias, Overconfidence, dan Risk Management. Metodologi kuantitatif berdasarkan survei terhadap 127 responden dan analisis regresi linier berganda digunakan dalam penelitian ini. Hasil: Menurut penelitian, Financial Decision sangat dipengaruhi oleh Risk Management, Overconfidence, dan bias Herding Bias secara bersamaan. Dalam hal keuangan, Risk Management agak membantu, tetapi Herding Bias dan rasa Overconfidence bukanlah masalah besar. Konklusi: Penelitian ini adalah bahwa risk management merupakan faktor utama yang memengaruhi keputusan keuangan karyawan dalam penggunaan dompet digital, sementara faktor perilaku berperan sebagai pendukung dan tidak dominan secara individual. Kontribusi: Penelitian ini memberikan penguatan empiris pada kajian keuangan perilaku di era digital serta menjadi referensi bagi perusahaan dalam meningkatkan literasi dan manajemen risiko keuangan digital karyawan.
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