The purpose of this research is to examine the effect of CEO' s Overconfidence (KDB) on nonfinancial firm' s dividend that listed in Indonesia Stock Exchange (IDX) from 2004 to 2013. It is being said that almost every person has overconfidence, similarly with a CEO of a company, particularly because of the scale of power that they hold. CEO with overconfidence has a tendency to lower their dividend payout because they are driven by their subjective consciousness of the possibility of getting an investment opportunity in the future. The samples of this study are 327 companies listed in Indonesia Stock Exchange (IDX). The model is using a logit regression. The result shows that company being lead by CEO with overconfidence will have a tendency to hold or reduce their dividend payout.

Thepurposeofthisstudyistodeterminetheleveloffinancialliteracyandtheimpactof financialliteracyondecisionsonaccessanduseoffinancialservicesfor‘LakuPandai’ customers. The primary data used is from ‘Laku Pandai’ customers in Semarang City, Central Java Province. Data analysis using logit regression, with the scale of interval data on financial literacy is the interval. Whereas, the scale of the data on financial inclusionisnominal.Theresultsofthestudyindicatethatfinancialliteracywillincrease theprobabilityof1time inusing bankingaccessandservices.Thisisbecause banking information has been conveyed to ‘Laku Pandai’ customers. Thus, supply side or financial inclusion is not solely caused by financial literacy, but rather by information provided by banks to ‘Laku Pandai’ customers.

Financial literacy and behavioural biases are critical factors that influence investment-decision making individual investors. This study aims to identify financial literacy relationships and behavioural biases (overconfidence, representativeness, and illusion of control) which can lead to irrational behaviour in investment decision making. The population in this research data is individual investors who are on Java. Based on the purposive sampling method, the sample was 83 respondents through a questionnaire. The data obtained, passed the validity test, reliability test, classical assumption test, and multiple regression analysis to test the hypothesis. Hypothesis testing concludes that financial literacy has a negative effect on behavioural biases, meaning increasing financial literacy, so individual investors are increasingly objective in making investment decisions, and will reduce behavioural biases.

This study investigated the direct and indirect effects of learning styles, ethics education, and ethical climate on student’s ethical behavior. The samples were obtained through a proportionate random sampling technique so that 273 students had taken the courses of conservation education, professional ethics for teachers, and business ethics. The data were collected using questionnaires and analyzed using path analysis. The research findings showed that learning styles and ethical education could directly influence ethical behavior. At the same time, the ethical climate did not have a direct influence on ethical behavior. The ethical climate could not mediate the effect of learning styles and ethics education on ethical behavior. It means that learning styles and ethical education contribute significantly to the formation of good behavior and student’s characters. It is supporting a learning styles approach suggests that it offers benefit to students.

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