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JMM UNRAM - MASTER OF MANAGEMENT JOURNAL Pub Date : 2022-02-16 DOI:10.29303/jmm.v11i1.697

S. Hidayati, Sri Wahyulina, Embun Suryani

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引用次数: 1

摘要

本研究旨在分析认知偏见和情绪偏见对龙目岛中小企业营运资金配置决策的影响。本研究的理论贡献有望为中小企业财务决策与公司绩效相关的行为金融理论的科学和发展做出贡献。此外，行为金融学也有望成为财务管理课程的主题。此外，本研究的实际贡献可望为NTB省政府决策者在制定中小企业发展相关政策时提供意见、建议和建议。本研究是一种以定量方法为基础的研究，具有解释性研究的类型。研究对象是位于龙目岛的所有中小企业。抽样技术采用非概率抽样，采用判断抽样，即选择从事陶器行业且已经出口的中小企业。在现有人口中，有34(34)家中小企业可以作为样本。本研究的受访者是这些中小企业的所有者。本研究使用的数据收集技术是使用问卷调查。为了实现研究目标和假设检验，将根据需要使用GSCA (Generalized Structured Component Analysis，广义结构化成分分析)统计工具对获得的数据进行处理。结果表明，认知偏差和情绪偏差对新冠肺炎疫情期间龙目岛中小企业营运资金配置决策具有显著的正向影响。这是因为大多数受访者的年龄处于生产年龄，以男性为主，教育程度以高中和大学为主，商业时间超过15年。关键词:认知偏差，情感偏差，营运资金配置决策

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PENGARUH COGNITIVE BIAS DAN EMOTIONAL BIAS TERHADAP KEPUTUSAN PENEMPATAN DANA UNTUK MODAL KERJA PADA USAHA KECIL MENENGAH (UKM) DI PULAU LOMBOK PADA MASA PANDEMI COVID 19

This study aims to analyze the Effect of Cognitive Bias and Emotional Bias on Fund Allocation Decision for Working Capital in Small and Medium Enterprises (SMEs) on Lombok Island during the Covid 19 Pandemic. The theoretical contribution of this research is expected to contribute to science and the development of behavioral finance theory that related to financial decision making and company performance in Small and Medium Enterprises (SMEs). In addition, behavioral finance is also expected to be the subject of financial management courses. Furthermore, the practical contribution of this research is expected to provide input, suggestions and recommendations to the policy makers of the NTB Provincial Government in making policies related to the development of SMEs. This research is a quantitative approach-based research, with the type of explanatory research. The research population is all SMEs located on the island of Lombok. The sampling technique is carried out by non-probability sampling, which uses judgment sampling, namely selecting SMEs that are engaged in the pottery industry and have already exported. From the existing population, there are 34 (thirty four) SMEs that can be taken as samples. Respondents in this study are the owners of each of these SMEs. The data collection technique used in this research is using a questionnaire. To achieve the research objectives and hypothesis testing, the data obtained will be processed according to the needs by using the statistical tool GSCA (Generalized Structured Component Analysis). The results showed that Cognitive Bias and Emotional Bias had a positive and significant impact on fund allocation decision for Working Capital in Small and Medium Enterprises (SMEs) on Lombok Island during the Covid 19 Pandemic. This was motivated by the age of most of the respondents of productive age, mostly male, the education level is mostly high school and college and the length of business is more than 15 (fifteen) years. Keywords: cognitive bias, emotional bias, fund allocation decision for working capital

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JMM UNRAM - MASTER OF MANAGEMENT JOURNAL

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