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All Journal Jurnal Akademik Pengabdian Masyarakat International Journal of Management, Business and Social Sciences
Deswita Siti Nurul Aeni
Universitas Wahid Hasyim
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences

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Pelatihan Investasi Reksa Dana Bagi Generasi Z Komunitas CFC Semarang sebagai Solusi Ketahanan Finansial di Tengah Ketidakstabilan Ekonomi Saiful Bahri; Maeni Maeni; Deswita Siti Nurul Aeni
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 4 No. 4 (2026): JULI
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v4i4.11044

Abstract

Global economic instability and high financial market fluctuations present significant challenges for novice investors, particularly Generation Z who are newly entering the investment world. The main problems encountered include limited knowledge of investment instruments, restricted initial capital, and vulnerability to losses due to stock price volatility. This community service activity aims to enhance financial literacy and mutual fund investment skills among members of the Cerdas Financial Community (CFC) Semarang, which represents Generation Z in Semarang City. The training was conducted at the Sinarmas Sekuritas Branch Building in Semarang, employing a methodology that combined theoretical introduction to mutual fund instruments with practical purchase simulations and direct asset monitoring. Results indicate a significant improvement in participants' understanding of mutual fund types, purchasing mechanisms, risk management, and defensive investment strategies amid uncertain economic conditions. Mutual funds are proven to be suitable instruments for Generation Z novice investors as they offer automatic diversification, are managed by professional investment managers, and can be initiated with affordable minimum capital. This activity is expected to foster the growth of smart and sustainable investment culture among Generation Z in Semarang.
The Influence of Behavioral Biases and Islamic Financial Literacy on Investment Decisions of Young Investors in Malaysia Saiful Bahri; Ahmad Ridhuwan bin Abdullah; Sunarto; Deswita Siti Nurul Aeni; Laila Hasna Risqiya
International Journal of Management, Business, and Social Sciences Vol. 4 No. 2 (2025): November
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/ijmbs.v4i2.14518

Abstract

This study aims to analyze the influence of behavioral bias and Islamic financial literacy on students' investment decisions as a representation of young Muslim investors. An explanatory quantitative approach was used by collecting data through an online questionnaire distributed to 48 students at Universiti Malaysia Kelantan (UMK). Data analysis was carried out using multiple linear regression through SPSS version 27. The results showed that of the three dimensions of overconfidence, only overplacement had a significant positive effect on investment decisions, while overprecision, overestimation, loss aversion, and anchoring bias did not show a significant effect. On the other hand, Islamic financial literacy has the strongest positive influence on investment decisions, indicating that understanding of Islamic financial principles is able to suppress behavioral bias and increase investment rationality. Theoretically, these findings expand the perspective of behavioral finance by including Islamic values as a controlling factor for cognitive bias. Practically, the results of this study provide input for educational institutions and financial authorities to strengthen Islamic financial literacy to form rational, ethical, and sustainable investment behavior among young investors.
Co-Authors Ahmad Ridhuwan bin Abdullah Laila Hasna Risqiya Maeni Maeni Saiful Bahri Sunarto