Mochammad Nurul, Hamidah Hamidah


Abstrak – Makna Investasi Berdasarkan Mental Accounting dan Gender

Tujuan Utama – Penelitian ini berupaya Memahami fenomena mental accounting dan karakteristik gender dalam kegiatan investasi.

Metode - Penelitian ini menggunakan metode fenomenologi  untuk memahami fenomena keputusan investasi sesuai dengan pengalaman masing-masing partisipan. Partisipan terdiri dari tujuh wirausahawan dengan jenis usaha yang berbeda antara satu sama lain.

Temuan Utama - Wirausahawan memahami bahwa penganggaran merupakan suatu kewajiban ketika ingin melakukan investasi. Mereka berani melakukan pendanaan dengan hutang (kredit) untuk pendanaan barang tersier memiliki gender maskulin. Selain itu, mereka  secara hati-hati memiliki karakteristik gender feminim atau androgini dalam berinvestasi.

Implikasi Teori dan Kebijakan – Ketika mental accounting dikaitkan dengan teori bem sex role inventory (BSRI), didapatkan bahwa wirausaha dengan gender maskulin berani untuk mengambil pendanaan kredit sedangkan gender feminim bersifat sebaliknya. Oleh karena itu, perusahaan pemberi dana harus mempertimbangkan BSRI dalam memberikan pendanaan.

Kebaruan Penelitian - Tulisan ini mengungkap fenomena mental accounting dan gender masing-masing partisipan dalam mengambil keputusan investasi.


Abstract – The Meaning of Investment Based on Mental Accounting and Gender

Main Purpose - This research seeks to understand the phenomenon of mental accounting and gender characteristics in investment activities.

Method - This research uses phenomenological methods to understand the phenomenon of investment decisions according to each participant's experience. The participants consisted of seven entrepreneurs with different types of business from each other.

Main Findings - Entrepreneurs understand that budgeting is an obligation when they want to invest. They dare to do funding with debt (credit) to finance tertiary goods that have a masculine gender. In addition, they carefully have feminine or androgyny gender characteristics in investing.

Theory and Practical Implications – When mental accounting is associated with the theory of sex role inventory (BSRI), it is found that entrepreneurs with masculine gender dare to take credit funding while feminine gender is the opposite. Therefore, lending companies must consider BSRI in providing funding.

Novelty - This research reveals the mental accounting and gender phenomena of each participant in making investment decisions.


gender; investasi; mental accounting; pendanaan

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