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All Journal Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri TIJAB (The International Journal of Applied Business) Dedicated: Journal of Community Services (Pengabdian kepada Masyarakat)
Wildan Fadhila
University of Milan
Economics, Econometrics & Finance

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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.
Waroeng Batja: Memberdayakan pembelajaran desa melalui literasi digital dan kewirausahaan sosial Wildan Fadhila; Ketut Candra Pangestu Putra
Dedicated: Journal of Community Services (Pengabdian kepada Masyarakat) Vol. 4 No. 1 (2026): Dedicated: Journal of Community Services (Pengabdian kepada Masyarakat)
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/dedicated.v4i1.607

Abstract

Waroeng Batja was developed as a community-based informal school in Panguragan Lor Village. This program is designed as a free, open, and participatory learning space. Waroeng Batja has succeeded in establishing a community-based informal learning ecosystem involving 70 school-age participants, consisting of 23 elementary school students, 31 middle school students, and 16 high school students, and supported by 30 student facilitators. The program is implemented through Participatory Action Research (PAR), with routine learning activities held three times a week, including reading habits, assistance with school assignments, English learning, basic digital literacy, local cultural learning, and entrepreneurial practices. Quantitatively, the entrepreneurship program involves 45 students, using 400 oyster mushroom bags that produce 180 kg of harvest, and utilizing 80 m² of land for vegetable cultivation with a yield of 120 kg. The entrepreneurship component generated revenue of Rp6,160,000, a surplus of Rp1,860,000, social cash funds of Rp958,000, measurable social benefits of Rp4,773,000, and a simple social return on investment of 1.11. In terms of culture, the initial assessment showed that none of the 10 purposively selected participants could name at least 3 forms of Cirebon culture. In contrast, in the final assessment, all 10 participants were able to name at least three forms of Cirebon culture and were involved in practicing and performing the Cirebon Mask Dance. These findings indicate that informal schools that integrate literacy, culture, and social entrepreneurship can serve as a contextual model of community service when supported by the participation of facilitators, village government, and partner networks, and by data-based evaluation.
Why Do Customers Keep Coming Back to Mixue? The Role of Service Quality, Innovation, and Satisfaction Wildan Fadhila; Radityo Putro Handrito
TIJAB (The International Journal of Applied Business) Vol. 10 No. 3 (2026): SEPTEMBER 2026
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/tijab.v10.I3.2026.91044

Abstract

Background: Low-cost food and beverage franchises often operate under spatial and operational constraints, yet some brands continue to maintain strong customer loyalty. Mixue's compact outlets, high customer density, and standardized franchise format do not appear to prevent repeat patronage. Objective: This study examines the impact of Service Quality and Product Innovation on Customer Loyalty, as mediated by Customer Satisfaction, within the low-cost franchise sector. It focuses on Mixue outlets in Malang to analyze these relationships under conditions of operational crowding. Method: This study utilized a quantitative explanatory research study design. Primary data were collected from 230 respondents who were purposively selected and had recently dined at a Mixue outlet in Malang. Analysis of the data was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM). Results: Although both Service Quality and Product Innovation positively influence Customer Loyalty, Service Quality exerts a significantly stronger impact. Product Innovation, though significant, shows a weak direct effect. Crucially, Customer Satisfaction functions as a complementary mediator where product novelty translates into sustained Customer Loyalty only when it first generates satisfaction through a low-friction service environment. Conclusion: Customer loyalty in low-cost, high-traffic dessert franchises is driven more by consistent, clean, comfortable, and low-friction service than by product innovation alone. Product innovation supports loyalty mainly when it enhances customer satisfaction, confirming the central role of service quality and satisfaction in sustaining repeat patronage.   Keywords: Customer Loyalty; Customer Satisfaction; Product Innovation; Service Quality
Co-Authors Atim Djazuli Cicik Retno Wati Ketut Candra Pangestu Putra Muhammad Fajrul Islam F Nuraini Desty Nurmasari Radityo Putro Handrito Siti Aisjah