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All Journal International Journal of Applied Business and International Management Abdi Implementasi Pancasila: Jurnal Pengabdian kepada Masyarakat
Wasi Widayadi
UNIVERSITAS PANCASILA
Humanities Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Capital Market Outlook: Assessing Opportunities and Risks in Stocks, Bonds and Mutual Funds Under Indonesia’s Macroeconomic Environment M. Nuruddin Subhan; Shinta Budi Astuti; Riska Yustisiana; Bintang Andhyka; Wasi Widayadi; Fachri Affandi; Athia Zerlina
Abdi Implementasi Pancasila:Jurnal Pengabdian kepada Masyarakat Vol 6 No 1 (2026): Mei
Publisher : Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35814/b15q1y93

Abstract

The Indonesian capital market has experienced significant growth, with the number of registered investors increasing from 1.6 million in 2018 to more than 12 million in 2024. However, this growth has not been accompanied by a proportional increase in financial literacy. Based on the National Survey of Financial Literacy and Inclusion by OJK (2024), Indonesia’s financial literacy index has only reached 65.43%, while the financial inclusion index has reached 75.02%. This gap between financial access and financial capability highlights the importance of structured and evidence-based financial education at the community level.This paper reports the implementation of a Community Service Program (PkM) on Financial Literacy, conducted collaboratively by the Faculty of Economics and Business, Universitas Pancasila (FEB-UP), and Maahad Tahfiz Al-Quran Lil Muttaqin, Selangor, Malaysia. The program was conducted online via the Zoom platform on February 13, 2026, and was attended by 21 participants. Evaluation instruments in the form of pre-tests and post-tests were used to measure participants’ financial knowledge and behavior before the training, as well as to assess the effectiveness of the program after the training.The pre-test results indicated that the average participant knowledge score was 83%, while the financial behavior score was at a moderate level of 62%, with notable gaps in emergency fund provision (43%) and long-term asset investment (47%). The post-test evaluation results were highly positive, with an average overall satisfaction score of 4.78 out of 5.00 (96%), and all six evaluation indicators receiving ratings in the “Strongly Agree” category. Overall participant satisfaction reached a perfect score of 100%.These findings indicate that the program was effective in delivering financial literacy material to the target audience, and that the online training model proved to be accessible and impactful. It is recommended that the program be continued, expanded in scope, and developed as a replicable model for cross-border community service collaboration. 
Financial Literacy, Live Commerce, Scarcity, and Double-Date Discounts: E-Commerce Impulsive Buying in S-O-R Riska Yustisiana; Bintang Andhyka; Wasi Widayadi; Fachri Affandi; Athia Zerlina
International Journal of Applied Business and International Management Vol 11, No 2 (2026): August 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v11i2.4690

Abstract

The rapid development of TikTok Live commerce has transformed how consumers interact with sellers and make purchasing decisions. This study examines the effects of TikTok Live commerce, scarcity, and double-date discount campaigns on impulse buying, with financial literacy as a moderating variable. A quantitative cross-sectional survey was conducted with 131 Indonesian TikTok users who had watched TikTok Live selling sessions and purchased products through TikTok Shop. The data were analyzed using partial least squares structural equation modeling (PLS-SEM). The findings show that TikTok Live commerce has a significant negative effect on impulse buying (b = ?0.160, p = 0.030), while double-date discount campaigns also have a significant negative effect (b = ?0.486, p 0.001). Scarcity has no significant effect (b = 0.087, p = 0.273). Financial literacy does not significantly moderate the effects of TikTok Live commerce, scarcity, or double-date discount campaigns on impulse buying (all p 0.05). The model explains 29.9% of the adjusted variance in impulse buying. These findings suggest that promotional interactivity, urgency, and scheduled discounts do not necessarily generate unplanned purchases among the respondents. Social commerce businesses should therefore emphasize credible information, product transparency, and engaging customer experiences.
Co-Authors Athia Zerlina Bintang Andhyka Fachri Affandi M. Nuruddin Subhan Riska Yustisiana Shinta Budi Astuti