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All Journal Martabe : Jurnal Pengabdian Kepada Masyarakat NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Proceeding International Seminar of Islamic Studies Jurnal Fokus Manajemen Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) Eruditio : Indonesia Journal of Food and Drug Safety Jurnal Ilmiah Smart International Journal of Economics and Management Research
Hernawaty, Hernawaty
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Factors Influencing Investment Decisions Among University Students: The Roles of Financial Literacy, Lifestyle, Income, and Financial Planning Rambe, Siti Halimah; Ardian, Noni; Hernawaty, Hernawaty
Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital Vol 4 No 2 (2025): NOVEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jekombital.v4i2.1079

Abstract

The rapid proliferation of financial technology and the effortless accessibility of digital investment platforms have significantly reshaped the investment landscape, allowing younger generations to begin investing with minimal capital while acquiring financial knowledge through diverse applications and virtual learning resources. Investment decision-making has become increasingly important among youth, who possess the temporal advantage to benefit from the compounding effect of returns, yet must simultaneously anticipate future challenges such as inflation, post-retirement uncertainty, and rising living costs. These circumstances highlight the necessity of building an investment portfolio early to achieve financial resilience and independence. This study aims to examine the influence of financial literacy, lifestyle, income level, and financial planning on students’ investment decisions. The research encompassed active part-time Fintech students in the Management Study Program (Friday–Saturday class), Faculty of Social Sciences, Universitas Pembangunan Panca Budi Medan, cohorts 2022–2023. Through the Slovin formula, 71 individuals were designated as the sample. A quantitative survey design was utilized, with questionnaire data processed via SPSS. Findings indicate that financial literacy exerts a salubrious and statistically weighty partial influence on investment decisions. Lifestyle also demonstrates a positively potent and preponderant effect. In contrast, income and financial planning show no substantive partial impact. Nonetheless, when assessed simultaneously, all four variables collectively manifest significant influence, reflected in F = 43.852, p < 0.001, R² = 0.727.
KEMAMPUAN PEGAWAI BUMDES DALAM MENGAPLIKASIKAN ZAHIR DALAM PEMBUATAN LAPORAN KEUANGAN DI DESA PEMATANG SERAI TANJUNG PURA DI SUMATERA UTARA Arnita, Vina; Hernawaty, Hernawaty; Ermal M, Eky
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 4, No 1 (2021): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v4i1.118-122

Abstract

In this dedication the researcher helps provide solutions to Bumdes employees to make financial reports. At the beginning of this dedication, the researchers visited Pematang Village, Lemongrass, Tanjung Pura, and Bumdes employees told of their strengths and weaknesses. The deficiencies faced by them were also explained during the visit. The village residents who were in the area of Lemongrass Temple were one of the villages that received grants from the central government. So the problems that arise they do not understand to make computerized financial statements. With this problem the researchers took part in alleviating their problems in making financial statements. The disadvantage faced by them was that the employees in Bumdes only graduated from high school, so they did not know how to make a correct financial report. Educational background for Bumdes employees makes it difficult for them to understand financial statements, researchers provide learning about accounting and accounts from accounting. After they understand new accounts entered into journals. By completing accounts and journals, then they can enter financial reports through the zahir application.
Co-Authors , Heriyati Chrisna Ardian, Noni Elisabeth Sitepu Ermal M, Eky Eva Nanda Wulandari Fransiskus Gultom, Fransiskus Gulo, Yona Gunawan, Slamet Karo-Karo, Selamat Maya Macia Sari Miftahurrahman Sinaga Niken Wulandari Noviani Noviani, Noviani Nurdiana, Indah Pardede, Marioga Rambe, Siti Halimah Selvia, Sela Sinaga, Miftahurrahmah Sri Wahyuni Sri Wahyuni Vina Arnita