PENGARUH ANCHORING BIAS, LOSS AVERSION, HERDING BEHAVIOUR, OVERCONFIDENCE, DAN FINANCIAL RISK TOLERANCE TERHADAP KEPUTUSAN INVESTASI DEPOSITO BTN KANTOR CABANG PADANG SAAT PENDEMI COVID-19

DENY SETIAWAN, DENI (2022) PENGARUH ANCHORING BIAS, LOSS AVERSION, HERDING BEHAVIOUR, OVERCONFIDENCE, DAN FINANCIAL RISK TOLERANCE TERHADAP KEPUTUSAN INVESTASI DEPOSITO BTN KANTOR CABANG PADANG SAAT PENDEMI COVID-19. Masters thesis, Universitas Andalas.

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Abstract

PENGARUH ANCHORING BIAS, LOSS AVERSION, HERDING BEHAVIOUR, OVERCONFIDENCE, DAN FINANCIAL RISK TOLERANCE TERHADAP KEPUTUSAN INVESTASI DEPOSITO BTN KANTOR CABANG PADANG SAAT PENDEMI COVID-19 1Deny Setiawan, 2Masyhuri Hamidi, 3Rida Rahim Departemen Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Andalas denysetiawandion@gmail.com, masyhurihamidi@eb.unand.ac.id, ridarahim@eb.unand.ac.id Abstrak: Penelitian ini bertujuan untuk menguji pengaruh anchoring bias, loss aversion, herding behaviour, overconfidence, dan financial risk tolerance terhadap keputusan investasi deposito BTN kantor cabang padang saat Pendemi Covid-19. Populasi dalam penelitian ini adalah seluruh deposan Bank BTN yang melakukan investasi deposito pada saat pandemi berjumlah 498 deposan. Teknik pengambilan sampel yang digunakan adalah purposive sampling dengan kriteria memiliki rekening deposito di Bank BTN, Memiliki dana deposito mulai dari Rp 100.000.000 ke atas dan Jangka waktu penempatan dana deposan adalah minimal 1 bulan dengan system perpanjangan jangka waktu otomatis oleh Bank (Automatic Roll Over / ARO). Berdasarkan kriteria tersebut maka diperoleh 161 deposan yang dapat dijadikan sebagai sampel. Dengan menggunakan teknik analisis data PLS SEM (Partial Least Square-Structural Equation Model) maka hasil yang diperoleh yaitu semua hipotesis diterima kecuali pengaruh financial risk tolerance terhadap keputusan investasi deposito. Dengan demikian deposan harus berhati-hati dalam mengidentifikasi dan menganalisis faktor-faktor perilaku yang dapat mempengaruhi keputusan investasi deposito disaat pandemi Covid-19. Keywords: Anchoring bias, loss aversion, herding behaviour, overconfidence, financial risk tolerance, keputusan investasi, pendemi Covid-19. THE INFLUENCE OF ANCHORING BIAS, LOSS AVERSION, HERDING BEHAVIOR, OVERCONFIDENCE AND FINANCIAL RISK TOLERANCE ON INVESTMENT DECISIONS FOR BTN DEPOSITS AT THE PADANG BRANCH OFFICE DURING THE COVID-19 PANDEMIC 1Deny Setiawan, 2Masyhuri Hamidi, 3Rida Rahim Departemen Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Andalas denysetiawandion@gmail.com, masyhurihamidi@eb.unand.ac.id, ridarahim@eb.unand.ac.id Abstract: This study aims to examine the effect of anchoring bias, loss aversion, herding behavior, overconfidence, and financial risk tolerance on investment decisions on BTN deposits at the Padang branch office during the Covid-19 pandemic. The population in this study were all Bank BTN depositors who invested in deposits during the pandemic totaling 498 depositors. The sampling technique used is purposive sampling with the criteria of having a deposit account at Bank BTN, Having deposit funds starting from Rp. 100,000,000 and above and the depositor's fund placement period is at least 1 month with an automatic period extension system by the Bank (Automatic Roll Over). / ARO). Based on these criteria, 161 depositors were obtained that could be used as samples. By using the PLS SEM (Partial Least Square-Structural Equation Model) data analysis technique, the results obtained are that all hypotheses are accepted except for the effect of financial risk tolerance on deposit investment decisions. Thus, depositors must be careful in identifying and analyzing behavioral factors that can influence deposit investment decisions during the Covid-19 pandemic. Keywords: Anchoring bias, loss aversion, herding behavior, overconfidence, financial risk tolerance, investment decisions, the Covid-19 pandemic.

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