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All Journal Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Empowering Humanity
Muhammad Fajrul Islam F
Universitas Pendidikan Ganesha
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Investment Decisions Among Young Investors: Mediating Role of Risk Perception and Risk Tolerance in Relationship Emotional Intelligence and Financial Literacy Siti Aisjah; Atim Djazuli; Cicik Retno Wati; Muhammad Fajrul Islam F; Wildan Fadhila; Nuraini Desty Nurmasari
Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 11 No. 1 (2026): April 2026
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v11i1.7031

Abstract

This study investigates the influence of financial literacy and emotional intelligence on investment decisions among Generation Z in East Java, considering the mediating roles of risk perception and risk tolerance. Employing a quantitative approach, data were collected from 500 respondents aged 18–24 with valid single investor identification (SID) and prior capital market investment experience. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that financial literacy significantly affects investment decisions, risk perception, and risk tolerance; however, its indirect influence through risk perception and tolerance is not significant. Conversely, emotional intelligence has a direct and significant effect on investment decisions and also indirectly influences them through both mediating variables. These results underscore the importance of integrating emotional intelligence and risk management training into financial education programs targeting young investors. This research highlights the psychological dimensions of financial decision-making and provides practical insights for policymakers, educators, and financial institutions seeking to promote more informed and sustainable investment behavior.
STRENGTHENING MSME CAPABILITY THROUGH COMMUNITY-BASED HR MAPPING IN MALANG Misbahuddin Azzuhri; Dian Ari Nugroho; Aji Purba Trapsila; M. Mukhlis Amrullah; Muhammad Fajrul Islam F; Naima Andleeb
EMPOWERING HUMANITY Vol. 4 No. 1 (2026): Current Issues 7
Publisher : SMARTINDO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58765/emhum.v4i1.448

Abstract

This community service program aimed to strengthen MSME capacity through a community based HR needs-mapping approach that served as the foundation for targeted capacity-building interventions. The program was implemented in collaboration with Perumda Tugu Aneka Usaha and involved 50 MSME actors. HR needs were assessed using structured surveys, focus group discussions (FGD), and field observations. Based on the mapping results, a series of activities was conducted, including basic HR management training focusing on role clarification and simple standard operating procedure (SOP) development, followed by the establishment of MSME learning communities organized by business sector and geographic proximity. The findings revealed that digital literacy represented the strongest capability among participants, whereas managerial practice and community engagement exhibited the largest competency gaps, indicating priority areas for capacity development. Program evaluation demonstrated improved role clarity, initial adoption of basic HR management practices, and stronger collaboration among participating MSME through the newly established learning communities. The program produced a community-based HR needs-mapping model integrating HR capability, managerial practice, digital literacy, and community engagement. This model provides a practical and evidence-based framework for designing sustainable MSME capacity building programs that can be adopted by local governments, development agencies, and other institutions supporting MSME development.
Co-Authors Aji Purba Trapsila Atim Djazuli Cicik Retno Wati M. Mukhlis Amrullah Misbahuddin Azzuhri Naima Andleeb Nugroho, Dian Ari Nuraini Desty Nurmasari Siti Aisjah Wildan Fadhila