Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal JURNAL LENTERA AKUNTANSI Jurnal Pengabdian Bukit Pengharapan
Nurkholik Nurkholik
Universitas Pandanaran
Computer Science & IT Economics, Econometrics & Finance Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
PENGARUH LITERASI KEUANGAN, PENDAPATAN, DAN TOLERANSI RISIKO TERHADAP PERILAKU KEUANGAN DAN DAMPAKNYA PADA KEPUTUSAN INVESTASI : STUDI KASUS GEERASI Z KOTA SEMARANG Patricia Dhiana Paramita; Daniel Kartika Adhi; Nurkholik Nurkholik; Heru Sri Wulan; Izza Nisa’ul Afi
JURNAL LENTERA AKUNTANSI Vol. 10 No. 2 (2025): JURNAL LENTERA AKUNTANSI, November 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrakt.v10i2.2016

Abstract

As a digitally savvy generation, Gen Z plays an increasingly significant role in Indonesia's capital markets, now comprising more than half of its investor base. This study applies a behavioral finance perspective to examine how financial knowledge and psychological traits influence investment outcomes. The objective of this study is to explore the impact of financial literacy, income, risk tolerance, and financial behavior on investment decisions among Generation Z in Semarang City. A quantitative approach  was used, with data collected  from 110 Gen  Z investors selected through purposive sampling. Respondents completed an online questionnaire measured on a five-point Likert scale, and the data were analyzed using SPSS. The analysis results show that financial literacy, income, risk tolerance, and financial behavior all have a positive and significant influence on investment decisions. This is supported by a significance value below 0.05 and a t-value above the critical value of 1.98260. Further analysis using the Sobel test evaluated the mediating role of financial behavior. The test produced a Z-score below the significance threshold of 1.96, indicating no significant mediation in  the tested  relationship. Thus,  although financial  behavior directly influences investment decisions, it does not mediate the influence of financial literacy, income, or risk tolerance. These findings highlight that financial literacy, income, and risk tolerance are the main factors shaping Generation Z's investment behavior, with financial behavior acting more as an outcome than an intermediary in this context.
PELATIHAN EARN MONEY MAKER FOR ANDROID UNTUK PENINGKATKAN PASSIVE INCOME BAGI WARGA KELURAHAN JATIREJO KECAMATAN GUNUNGPATI KOTA SEMARANG Patricia Dhiana Paramita; Nurkholik Nurkholik
Jurnal Pengabdian Bukit Pengharapan Vol. 6 No. 1 (2026)
Publisher : LPPM Institut Teknologi dan Bisnis Kristen Bukit Pengarapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61696/jurdian.v6i1.1284

Abstract

This community service activity was conducted to implement the partnership between Universitas Pandanaran and the Gunungpati District administration in Semarang City. Specifically, the initiative aimed to shift residents' mindsets—encouraging them not to rely solely on formal employment for income but to also consider using Android-based smartphones to generate passive income. The activity was held in two sessions, on July 5 and July 12, 2026. Overall, the event proceeded successfully and received a positive response from the residents.
Co-Authors Daniel Kartika Adhi Heru Sri Wulan Izza Nisa’ul Afi Patricia Dhiana Paramita