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All Journal Monex: Journal of Accounting Research Jati: Jurnal Akuntansi Terapan Indonesia Dinamisia: Jurnal Pengabdian Kepada Masyarakat JMM (Jurnal Masyarakat Mandiri) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Referensi : Jurnal Ilmu Manajemen dan Akuntansi Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Reswara: Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian UNDIKMA Journal of Community Development Nusantara Hasana Journal TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Media Bina Ilmiah Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka)
Putra, Hery Astika
Fakultas Ekonomi/Prodi Akuntansi, Universitas Islam Al-Azhar
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Investment Model Design Based on Financial Behavior to Achieve Financial Independence in Gen-Z Suryadana, Rahmat; Halpiah, Halpiah; Putra, Hery Astika
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 4 (2026): May 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i4.9613

Abstract

The financial crisis is prone to affect Gen-Z due to a consumptive lifestyle, which is both a problem and the background for conducting this research with the aim of designing financial behavior models and investment choice models that can be used to achieve the level of financial independence in the future. The study uses qualitative methodology with a design thinking approach; data collection was conducted through interviews, analyzed using triangulation techniques, with data being reduced, presented, and conclusions drawn. The validity was tested using member checking with eight informants who are working students, aged 20-25 years, with income ranging from Rp.1,000,000 to Rp.3,000,000 per month. The research findings indicate that 7 out of 8 informants tend to be consumptive, are cautious in making investment decisions, but have a target of achieving financial independence in the future. The results of this study are expected to provide a contribution as a basis for decision-making regarding changes in financial behavior patterns from consumptive to productive by allocating funds wisely to investment options that increase assets, in order to achieve the targeted financial independence in the future.
Pengelolaan Keuangan Keluarga di Masa Pandemi Covid-19 Halpiah Halpiah; Hery Astika Putra; Baiq Rizka Milania Ulfah
Journal of Community Development Vol. 2 No. 1 (2021): October
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (233.234 KB) | DOI: 10.47134/comdev.v2i1.29

Abstract

Problems that often arise in the family/ household are quite complex. One of them is economic problems or financial problems, especially during the Covid-19 pandemic requiring careful financial management by making a priority scale where prioritizing expenditures based on needs compared to spending based on desires in order to avoid debt and receivables. The method in implementing PKM is carried out in three stages, namely 1) The preparation stage includes community situation analysis, identification of problems, determining PKM work objectives, determining the theme and schedule for PKM implementation, division of PKM tasks, 2) Implementation stage including presentation of material delivery with the lecture method, question and answer session, mentoring session for making financial management to participants, 3) Evaluation stage. This PKM activity was carried out by implementing the Covid-19 Health protocol which was attended by 20 participants, which were dominated by women who were married or had families. The goal is that these housewives are able to record every income and are able to track daily expenses that have been issued in one month by way of prioritizing financial management. The conclusion from this PKM was that the 20 participants who attended had never done financial management, not because they were unable or unwilling but there had never been any socialization about financial management and the lack of basic knowledge about financial management so that economic problems in finance were always repeated. Therefore, PKM activities regarding financial management are still very important to be carried out with the main target being women / housewives as literacy efforts in financial management so that they are able to distinguish between productive expenditures and consumptive expenditures as financial managers in the family.
Co-Authors Adwiyah, Rabiatul Agustina, Helda Nia Andiana, Baiq Dewi Lita Aprilia Safitri Arfin, Ahmad Arianti, Nabila Finda Aryandani, Aisyah Ayu, Lisna Fitratunnisa, Puja Halpiah, Halpiah Laili Hurriati Ningsih, Okta Ayu Noviana Wahyuli Pahmi, Saepul Putra, Indrata Wangsa Qistinnisa, Baiq rendi oktasari Rismawati Rismawati Rosita Rosita Rosita Salmah Salmah Siti Aysah Sukriati Sukriati Suryadana, Rahmat Triana Lidona Aprilani Ulfah, Baiq Rizka Milania Yudistira, Aprilya