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Role of Financial Literacy, Risk Perception, and Investment Experience in Investment Decisions of Millenial and Z Generation in Jabodetabek Asry, Shofia; Paulina, Julinta; Tarigan, Budi Akhmad; Siagian, Ade Onny
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.731

Abstract

This study investigates the roles of financial literacy, risk perception, and investment experience in shaping investment decisions. Utilizing a sample of 500 individuals, we conducted descriptive statistics, reliability and validity testing, structural equation modeling (SEM), and moderation analysis to explore these relationships. The results reveal that higher financial literacy and investment experience are positively associated with better investment decisions, while higher risk perception is negatively associated with investment outcomes. Furthermore, financial literacy moderates the effect of risk perception, and investment experience enhances the positive impact of financial literacy on investment decisions. These findings underscore the importance of financial education and practical experience in fostering informed and strategic investment behavior. The study offers valuable insights for developing targeted educational programs and advisory services to enhance investor competence and confidence.
THE INFLUENCE OF USER GENERATED CONTENT CONSUMER PURCHASE INTEREST WITH DISCOUNTS AS A MODERATING VARIABLE Mamuaya, Nova Ch.; Novilia, Fitri; Paulina, Julinta; Nggandung, Yeheskial; Nuraini, Luthfi
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.11883

Abstract

Abstract Reviews from TikTok users can increase market share, increase consumer trust, and ultimately increase consumer purchasing decisions. This research is quantitative research with an exploratory approach. This research collected data by distributing it to 300 TikTok users consisting of 150 consumers and 150 producers, each of whom had carried out the activity at least once. Thus it can be concluded that the data used is primary data. The data used above was analyzed with smart PLS 4.0. The research results show that First,The User Generated Content variable has a positive relationship and a significant influence on the Purchase Interest variable because the more reviews from TikTok users, the greater the seller's market share and the more consumers know about the product. If the product gets good reviews, consumer purchasing decisions will increase. Second, The Discount variable is able to moderate the positive relationship and significant influence of the User Generated Content variable on the Purchase Interest variable, the results are even more significant because good reviews, a large market share and high trust will convince consumers even more if accompanied by a bigger discount. bigger than competitors. Keywords: User Generated Content, Discount, Problem, Consumer Pruchase Interest
Royalty Payments for Music Play in Cafes and Restaurants: Impact on The Right to Freedom of Communication and MSME Revenues Muslim, Shohib; Syuhada, Esa Arung; Utama, Satria Putra; Paulina, Julinta; Wuryanta, Aloysius Gonzage Eka Wenats
As-Syar i: Jurnal Bimbingan & Konseling Keluarga  Vol. 7 No. 4 (2025): As-Syar’i: Jurnal Bimbingan & Konseling Keluarga
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The explanation above indicates that this research is a qualitative study with a descriptive approach, namely an approach that aims to describe each of the main topics used in this article. The researcher will describe the implementation of royalty payments by MSMEs and its impact on MSME income, the implementation of the royalty payment system that has not been optimally absorbed from the perspective of songwriters, and clarity on who pays royalties, whether the singer or the event organizer. The data used in this article is secondary data obtained by the researcher from credible sources such as scientific articles, websites, books, and so on. This data is analyzed through the stages of data collection, data reduction, data selection, and drawing conclusions. The Conclusion in this article show that this can affect MSMEs that do not have a good MSME and do not include royalty payments in routine expenses. Conversely, this does not affect MSMEs that have included royalty payments in routine expenses. Regarding the right to freedom of communication, the researcher believes that this right can be limited if other community rights are violated. Furthermore, it has been confirmed that royalty payments are not optimal and will be improved as soon as possible by the government. The government has also emphasized that the party responsible for paying royalties is the event organizer, not the singer.