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Utami, Novia
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Peran Pengenalan Investasi terhadap Ibu-Ibu PKK Taman Permata Cikunir, Bekasi Selatan Utami, Novia; Angelia Kusumahadi, Teresia
KOMUNITA: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 4 No 3 (2025): Agustus
Publisher : PELITA NUSA TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60004/komunita.v4i3.220

Abstract

This community service program aims to enhance financial and investment literacy among PKK mothers in Taman Permata Cikunir, South Bekasi. Using an educational approach tailored to community needs, the activity involved two main sessions covering basic investment concepts, household financial planning, and the risks of illegal investment schemes. Evaluation was conducted using pre-tests and post-tests to measure program effectiveness. Results showed an average increase of 26% in participants' understanding, with significant improvement in budgeting and investment risk topics. These findings highlight the importance of community-based educational interventions. Improved investment literacy is expected to empower PKK mothers to manage household finances wisely and select appropriate financial instruments. This initiative contributes to women’s economic empowerment and promotes a healthier, more sustainable local financial ecosystem.
ADOPSI PEMBAYARAN DIGITAL MELALUI QRIS DAN DAMPAKNYA TERHADAP KINERJA FINANSIAL UMKM DI DAERAH ISTIMEWA YOGYAKARTA Utami, Novia
TRANSAKSI Vol. 17 No. 1 (2025): TRANSAKSI
Publisher : Program Studi Administrasi Bisnis, FIABIKOM, Unika Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/transaksi.v17i1.7116

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh adopsi QRIS terhadap kinerja finansial pelaku usaha mikro, kecil, dan menengah (UMKM). Latar belakang penelitian ini didasari oleh meningkatnya digitalisasi sistem pembayaran serta dorongan pemerintah untuk memperluas inklusi keuangan melalui penggunaan QRIS di kalangan pelaku UMKM. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei dan pengumpulan data melalui kuesioner. Responden dalam penelitian ini adalah pelaku UMKM yang telah mengadopsi QRIS dalam operasional bisnisnya. Hasil uji validitas dan reliabilitas menunjukkan bahwa seluruh instrumen penelitian dinyatakan valid dan reliabel. Analisis regresi linier sederhana menunjukkan bahwa adopsi QRIS berpengaruh positif dan signifikan terhadap peningkatan kinerja finansial UMKM. Temuan ini memperkuat argumen bahwa digitalisasi sistem pembayaran dapat menjadi alat strategis dalam mendorong efisiensi dan pertumbuhan usaha kecil. Implikasi praktis dari hasil penelitian ini adalah perlunya sosialisasi berkelanjutan dan dukungan dari pemerintah maupun lembaga keuangan dalam mendorong transformasi digital UMKM.
Financial Literacy and Green Investment Decisions among Gen Z in Yogyakarta Utami, Novia
Journal of Applied Business, Taxation and Economics Research Vol. 4 No. 6 (2025): August 2025
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v4i6.496

Abstract

This study investigates the relationship between financial literacy and green investment decisions among Generation Z in Yogyakarta. As environmental sustainability awareness grows, younger generations are increasingly inclined to make investment decisions that align with green and ethical values. Using a quantitative approach, data were collected from 120 respondents through structured questionnaires. The data were analyzed using regression analysis to examine the effect of financial literacy on green investment decisions. The findings indicate that financial literacy has a significant and positive influence on Gen Z’s willingness to invest in environmentally sustainable companies. Respondents with higher financial literacy tend to make more informed and responsible green investment choices. These results highlight the importance of strengthening financial education to foster sustainable financial behavior among young investors. The study offers practical implications for policymakers, educators, and financial institutions in promoting financial literacy and green investment awareness.
Pentingnya Literasi Keuangan di Pedesaan: Studi Pada Desa Tegalsari, Kabupaten Magelang, Jawa Tengah Kusumahadi, Teresia Angelia; Utami, Novia
Jurnal Inovasi Penelitian dan Pengabdian Masyarakat Vol. 4 No. 2 (2024): Desember
Publisher : Indonesia Emerging Literacy Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53621/jippmas.v4i2.371

Abstract

Pengabdian ini bertujuan untuk meningkatkan pemahaman masyarakat mengenai pentingnya literasi keuangan di Desa Tegalsari, Kecamatan Candimulyo, Kabupaten Magelang, Jawa Tengah. Pengabdian melibatkan 30 peserta yang mengikuti penyuluhan secara tatap muka mengenai literasi keuangan pada tanggal 29 Oktober 2023. Survei pre-test dan post-test digunakan untuk mengukur perubahan tingkat pemahaman peserta. Hasil pengabdian menunjukkan bahwa sebelum penyuluhan, hanya 3% responden yang memahami konsep literasi keuangan secara menyeluruh. Setelah penyuluhan, pemahaman rata-rata mengenai pentingnya literasi keuangan meningkat sebesar 10%. Selain itu, ditemukan bahwa akses terhadap layanan keuangan di Desa Tegalsari masih terbatas. Temuan ini menunjukkan bahwa edukasi yang tepat dapat meningkatkan pemahaman masyarakat pedesaan akan pentingnya literasi keuangan. Selain itu, temuan ini menegaskan pentingnya kolaborasi antara pemerintah, lembaga keuangan, dan organisasi non-pemerintah untuk mengatasi kesenjangan pengetahuan dan memperluas akses layanan keuangan di pedesaan.
Peningkatan Literasi Keuangan dan Teknologi Keuangan Terhadap Masyarakat Pedesaan Utami, Novia; Kusumahadi, Teresia Angelia
Prima Abdika: Jurnal Pengabdian Masyarakat Vol. 4 No. 3 (2024): Volume 4 Nomor 3 Tahun 2024
Publisher : Program Studi Pendidikan Guru Sekolah Dasar Universitas Flores Ende

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/abdika.v4i3.4536

Abstract

Kelor Village in Gunungkidul Regency, Yogyakarta, is an agrarian village where the majority of the population works as farmers. However, the low level of education in this village has led to very limited financial literacy among the community. This issue is crucial because many villagers struggle to manage their income from agriculture, making it difficult for them to budget, save, or invest wisely. As a result, the economic well-being of the community has not significantly improved. Additionally, limited access to formal financial institutions forces many residents to keep their money at home, which poses a risk. To address this problem, enhancing financial literacy and promoting the use of financial technology (fintech) are necessary. This training aims to provide better understanding of financial literacy and encourage the use of fintech among the people of Kelor Village. Although some community members already have a basic understanding of financial literacy, many do not regularly record their finances and lack a full grasp of the concepts and benefits of fintech. The educational program implemented has successfully improved the community’s understanding; however, the implementation in daily life still needs reinforcement. The results of this program show that those who received education are better at managing their finances and more open to using financial technology. Therefore, it is recommended to expand the educational program with more easily understood and relevant materials, as well as providing practical training to encourage the use of financial technology. Additionally, improving access to formal financial services and empowering community groups are crucial to ensuring the sustainability of the program. Through this approach, the people of Kelor Village are expected to be better prepared to face economic uncertainties and improve their financial well-being.
The Influence of Green Investment on Investment Intention Among Generation Z in Indonesia: The Moderating Role of Financial Literacy Utami, Novia
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 5 No. 2 (2025): March 2025
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v5i2.886

Abstract

As environmental concerns continue to rise, sustainable investment has gained increasing attention, particularly among young investors. However, despite the growing awareness of environmental issues, the level of investment intention in green assets among Generation Z remains relatively low. This study investigates the impact of green investment on investment intention among Generation Z in Indonesia, with financial literacy as a moderating variable. Using a quantitative approach, data were collected from 538 Generation Z respondents. The analysis was conducted using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The findings reveal that green investment has a significant positive effect on investment intention. Moreover, financial literacy strengthens this relationship, highlighting its moderating role. These results emphasize the importance of enhancing financial literacy to encourage sustainable investment decisions among Generation Z. This study contributes to the literature on green finance by providing empirical evidence on the role of financial literacy in shaping young investors’ sustainable financial behavior.
Teknologi Finansial, Literasi Keuangan, dan Keputusan Investasi Produk Reksa Dana di Indonesia Kusumahadi, Teresia Angelia; Utami, Novia
Jurnal Manajemen Maranatha Vol 21 No 2 (2022): Jurnal Manajemen Maranatha
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jmm.v21i2.4631

Abstract

The study aims to examine the characteristics of mutual fund financial technology users, the relationship between the use of investment financial technology and financial literacy on investment decisions, and differences in financial literacy between investors who use financial technology and investors who do not. Using a sample of 219 respondents who had or currently have mutual fund investment products in Indonesia, the authors find that most respondents have used financial technology, with Bibit and Bareksa as the most frequently used platforms. Using the OLS method, financial literacy positively and significantly affects investment decisions. On the other hand, the use of financial technology does not impact investment decisions. In addition, investors who use financial technology services have lower financial literacy scores than investors who do not use financial technology. This finding emphasizes the need for more equitable education of financial technology and financial literacy, which is expected to increase financial inclusion.
Teknologi keuangan, influencer media sosial, dan pengalaman keputusan investasi cryptocurrency: Peran literasi keuangan Rijanto, Bonfilio Patrik; Utami, Novia
Jurnal Manajemen Maranatha Vol 23 No 2 (2024): Jurnal Manajemen Maranatha
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jmm.v23i2.8717

Abstract

This study evaluates the impact of financial technology usage, social media influencer presence, and investment experience on cryptocurrency investment decisions, considering financial literacy as a moderating factor. Financial technology refers to using technology in financial systems to create new service products, technologies, and business models. Social media influencers have gained fame and exert significant influence over their followers on social media platforms. Meanwhile, investment experience encompasses the duration of an investor's experience in trading transactions. Data for the study were obtained through a Google Form questionnaire distributed via social media to cryptocurrency investors aged 20 to 30 in the Jabodetabek area. Convenience sampling technique was employed to obtain a sample of 192 respondents. Data analysis was conducted using the SEM-PLS method with SmartPLS software. The results indicate that using financial technology and social media influencers positively influences cryptocurrency investment decisions, while investment experience does not significantly impact. However, financial literacy does not strengthen the influence of financial technology usage, social media influencers, and investment experience on cryptocurrency investment decisions. The research findings indicate that enhancing financial literacy among young investors should be prioritized. This can be achieved through formal education programs and financial literacy campaigns. Practitioners in the financial industry also need to provide financial education to their clients and offer educational content on cryptocurrency. These measures can help mitigate uncontrolled investment risks and promote informed investment decisions, thereby contributing to the stability of the financial market and the financial protection of the wider community.
Impact of Agricultural Productivity on Small Farmers' Financial Wellbeing: The Role of Microfinance Utami, Novia; Sitanggang, Marsiana Luciana
MBIA Vol. 23 No. 2 (2024): Management, Business, and Accounting (MBIA)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33557/mbia.v23i2.3214

Abstract

This study aims to explore the impact of agricultural productivity on farmers' financial wellbeing in Indonesia and the moderating role of microfinance in this relationship. The findings reveal that microfinance has a significant positive impact on farmers' financial wellbeing. Access to microfinance services allows farmers to obtain the necessary credit to invest in high-quality agricultural inputs, such as seeds, fertilizers, and modern equipment, which, in turn, enhances agricultural productivity and farmers' income. Additionally, increased agricultural productivity is significantly positively correlated with financial wellbeing. Higher productivity leads to greater crop yields and increased income from the sale of agricultural products. However, the study also finds that microfinance does not significantly moderate the relationship between agricultural productivity and financial wellbeing. This indicates that while microfinance contributes directly to financial wellbeing, it does not substantially enhance the effect of agricultural productivity on financial outcomes. Other factors, such as market access, infrastructure, and training, may play a more significant role in influencing this relationship.
Edukasi literasi keuangan, pengenalan investasi, dan teknologi finansial pada generasi muda Kusumahadi, Teresia Angelia; Utami, Novia; Sitanggang, Marsiana Luciana
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 8, No 2 (2024): June
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v8i2.23395

Abstract

AbstrakPengabdian ini bertujuan untuk meningkatkan literasi keuangan, memperkenalkan konsep investasi, serta memperkenalkan teknologi finansial bagi generasi muda. Pengabdian dilaksanakan melalui kegiatan edukasi yang diselenggarakan di SMA Kristen Calvin Jakarta pada tanggal 31 Juli 2023 dengan peserta siswa-siswi dari kelas XII IPS 1 dan XII IPS 2. Kegiatan ini bertujuan untuk meningkatkan pemahaman siswa dan siswi tentang konsep dasar keuangan, mulai dari pengelolaan uang pribadi, pentingnya menyisihkan tabungan, hingga memahami berbagai instrumen investasi yang tersedia serta risiko yang timbul pada investasi tersebut. Selain itu, pengabdian ini juga memperkenalkan teknologi finansial sebagai alat yang dapat mempermudah akses terhadap layanan keuangan sehingga transaksi atau investasi yang dilakukan lebih efektif dan efisien. Evaluasi terhadap efektivitas pengabdian dilakukan melalui survei yang dibagikan sebelum dan sesudah kegiatan. Hasil survei menunjukkan bahwa peserta telah memiliki literasi keuangan yang baik, dan literasi keuangan tersebut semakin meningkat setelah diadakan edukasi. Peserta juga telah mengenal produk-produk keuangan, pentingnya literasi keuangan, pentingnya teknologi finansial, serta pentingnya pengetahuan mengelola keuangan, juga pentingnya pengelolaan risiko dalam berinvestasi. Namun demikian, belum banyaknya produk keuangan yang dimiliki oleh responden menjadi catatan penting dari pengabdian ini, bahwa inklusi keuangan pada generasi muda masih perlu ditingkatkan. Kata kunci: investasi; literasi keuangan; pengelolaan keuangan; teknologi finansial AbstractThis community service aims to elevate financial literacy, introduce investment concepts, and familiarize the younger generation with financial technology. The initiative was conducted through educational activities held at Calvin Christian Senior High School in Jakarta on July 31, 2023, involving students from the XII IPS 1 and XII IPS 2 classes. The primary objective of these activities was to enhance the student's comprehension of fundamental financial concepts, encompassing personal financial management, the significance of savings allocation, and an understanding of various available investment instruments and associated risks. Moreover, this initiative introduced financial technology as a facilitative tool for accessing financial services, enhancing the effectiveness and efficiency of transactions or investments. We assessed the efficacy of this initiative through pre- and post-event surveys. The survey results indicated that participants possessed a commendable level of financial literacy, which further improved following the educational intervention. Participants demonstrated familiarity with financial products, the importance of financial literacy, the role of financial technology, the significance of financial management, and the necessity of risk management in investment. However, the notable observation from this initiative was the limited ownership of financial products among respondents, emphasizing the ongoing need to enhance financial inclusivity among the younger generation.Keywords: investment; financial literacy; financial management; financial technology
Co-Authors Angelia Kusumahadi, Teresia Ari Setiyaningrum Arifin, Selvi Desyandri Desyandri Kusumahadi, Teresia Angelia Mantiri, Stephanie Maria Putri, Brigita Kania Novia Rijanto, Bonfilio Patrik Salim, Lina Sitanggang, Marsiana Luciana Sri Hapsari Wijayanti Survani, Rifki Tarigan, Thia Margeretha Yulianty, Sindanita Zulkarnaen