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All Journal Jurnal Ergonomi Indonesia (The Indonesian Journal of Ergonomic) Jurnal Pembangunan Wilayah dan Kota Jurnal Manajemen Teknologi Journal of Economics, Business, & Accountancy Ventura Finesta Competence : Journal of Management Studies (Kompetensi : Jurnal Studi Manajemen) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Tesa Arsitektur Jurnal Tataloka Asia-Pacific Management and Business Application Jurnal Teknik Industri: Jurnal Keilmuan dan Aplikasi Teknik Industri Civil Engineering Dimension Jurnal Inovasi Bisnis (Inovbiz) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Share : Journal of Service Learning Petra International journal of Business Studies (IJBS) EQIEN - JURNAL EKONOMI DAN BISNIS Surya Abdimas Jurnal Psikologi Sosial JOURNAL OF APPLIED BUSINESS ADMINISTRATION EKUITAS (Jurnal Ekonomi dan Keuangan) MANAJEMEN DEWANTARA Jurnal Manajemen Perhotelan dan Pariwisata Jurnal Ekonomi dan Manajemen DEDIKASI PKM Dimensi Utama Teknik Sipil Bulletin of Community Engagement BISMA (Bisnis dan Manajemen) Journal of Economics Research and Policy Studies Journal of Accounting and Digital Finance Penamas: Journal of Community Service Jurnal Akuntansi dan Keuangan Jurnal Manajemen Aset dan Penilaian Prosiding Seminar Nasional Pengabdian Masyarakat Advances in Civil Engineering and Sustainable Architecture International Journal of Financial and Investment Studies Abdimas Dinamis KOPEMAS Welfare: Jurnal Pengabdian Masyarakat
Njo Anastasia
Faculty Of Business And Economics, Petra Christian University, Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Risk tolerance dan niat investasi berisiko di kalangan mahasiswa: Peran literasi keuangan sebagai variabel moderasi Juwono, Angela; Tan, Felice Carmelite Aprilie; Sudarsono, Jethson Edbert; Anastasia, Njo
Journal of Accounting and Digital Finance Vol. 5 No. 1 (2025): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jadfi.v5i1.1466

Abstract

Various factors influence the decision-making process in investment. This study examines the effect of risk tolerance on risky investment intention among university students, with financial literacy as a moderating variable. A quantitative causal approach was employed, using questionnaires distributed via Google Forms. The research sample consisted of 100 university students selected through purposive sampling. Data analysis was conducted using SmartPLS 4.0. The results indicate that risk tolerance significantly influences risky investment intention, whereas financial literacy does not significantly affect risky investment intention. Financial literacy does not moderate the relationship between risk tolerance and risky investment intention. A high level of financial literacy does not necessarily ensure a person's willingness to engage in risky investments. Other factors, such as prior investment experience and psychological factors influence investment decisions. Individuals must understand and manage their emotions and evaluate risk tolerance levels to make wiser investment decisions.
Transformasi kualitas air di Dusun Tlocor: Implikasi penggunaan ALPAMAL (Alat Pemurni Air Payau dengan Material Lokal) dalam kehidupan sehari-hari Hermawan, Surya; Njo, Anastasia; Harjanti, Dhyah; Kawano, Yuka
Penamas: Journal of Community Service Vol. 4 No. 2 (2024): Penamas: Journal of Community Service
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/penamas.v4i2.1232

Abstract

Water is a primary necessity, but access to clean water remains limited, particularly in remote coastal regions of Indonesia. Therefore, a community empowerment initiative that implemented a brackish water purification device utilizing local materials (ALPAMAL) in Kedung Pandan Village, Jabon, Sidoarjo, through a service-learning approach. The program aimed to enhance the quality of life by facilitating access to clean water for daily household use, where brackish water is purified into potable water via ALPAMAL. The methodology commenced with surveys and observational studies to assess community conditions, followed by the assembly and installation of the ALPAMAL unit. Subsequently, a post-activity inauguration and resident survey were conducted. The results indicated that prior to ALPAMAL installation, it was characterized by high salinity, notable turbidity, and viscous consistency, rendering washing practices ineffective. Following the utilization of ALPAMAL, approximately 50% of respondents noted that the water was no longer sticky, while the remaining 50% reported that laundry became cleaner. All community partners perceived a notable transformation post-installation, with access to clean, sufficient water now available to meet daily requirements.
Pengaruh Overconfidence Bias dan Herding Bias terhadap Investment Intention pada Generasi Z Dave Reynard; Njo Anastasia
Bulletin of Community Engagement Vol. 4 No. 3 (2024): Bulletin of Community Engagement
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/bce.v4i3.1525

Abstract

This study explores the investment behavior of Generation Z, specifically focusing on individuals aged 18-27, who are in the emerging adult phase. This study aims to look at the effect of overconfidence bias and herding bias on the investment intention of generation Z in the emerging adult phase. This research uses associative methods with a quantitative approach. The technique and data analysis used is the Structural Equation Modeling (SEM) Partial Least Square (PLS) approach with the SmartPLS version 4 application program. When testing hypotheses, research uses an error tolerance of 10%. The results of 100 respondents in this study show that overconfidence bias has a significant effect on investment intention in generation z emerging adult phase while herding bias does not have a significant effect on investment intention in generation z emerging adult phase. The effect of the variables overconfidence bias and herding on investment intention is 40.9%. The results of this study are expected to provide education about the influence of overconfidence bias and herding bias on generation Z's investment intention and can be a reference for further research.  
PENDAMPINGAN DAN PELATIHAN USAHA RENTAL PLAYSTATION DAN CAFÉ BAGI MAHASISWA DI SIDOARJO Evelyn, Evelyn; Anastasia, Njo
JURNAL ABDIMAS DINAMIS : JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 6 No 1 Januari (2025): Abdimas Dinamis
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat USTJ

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58839/jad.v6i1.1477

Abstract

Tingginya tingkat kegagalan usaha baru yang dijalankan wirausaha muda menjadi salah satu permasalahan utama dalam pengembangan kewirausahaan di Indonesia. Oleh karena itu, kegiatan pengabdian masyarakat ini bertujuan memberikan pendampingan dan konsultasi terkait kelayakan bisnis bagi mahasiswa yang berencana membuka usaha rental PlayStation dan café di Sidoarjo. Dalam rangka meningkatkan kegiatan usaha ini, metode yang digunakan meliputi sosialisasi terkait pengelolaan usaha bisnis rental dan café, serta pendampingan langsung pada mahasiswa sebagai mitra dalam merancang dan memulai bisnis tersebut. Selain itu, promosi bisnis juga dilakukan melalui sosial media sebagai sarana pemasaran yang efektif. Hasil dan kegiatan pengabdian ini adalah terbentuknya usaha Rental Playstatiion dan café di Sidoarjo yang dapat berkontribusi pada pemberdayaan ekonomi local. Melalui kegiatan pengabdian masyarakat ini, mahasiswa mendapatkan solusi parakits yang berdampak positif bagi perkembangan kewirausaaan di tingkat lokal.
Meningkatkan Harapan Bangsa Melalui Literasi Keuangan Pada Kegiatan Ekstrakurikuler Njo Anastasia; Nanik Linawati; Dewi Pertiwi
Share: Journal of Service Learning Vol. 11 No. 1 (2025): FEBRUARY 2025
Publisher : Institute of Research and Community Outreach - Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/share.11.1.48-56

Abstract

Kegiatan ekstrakurikuler atau eskul merupakan wadah bagi siswa untuk mengembangkan potensi diri secara positif serta membangun karakter. Tujuan kegiatan pengabdian masyarakat ini melalui kegiatan ekstrakurikuler untuk meningkatkan literasi tentang keuangan secara personal pada para siswa sekolah tingkat pertama. Siswa diharapkan dapat mengembangkan literasi keuangannya dan melakukan pengelolaan keuangan secara personal untuk tujuan masa depan. Kegiatan ini dilakukan selama satu semester pada periode Agustus 2023 – Januari 2024 setelah kegiatan intrakurikuler sekolah berakhir. Metode yang digunakan pada kelas ekskul literasi keuangan adalah metode interaktif untuk penyampaian materi tentang Otoritas Jasa Keuangan (OJK), pasar modal dan lembaga keuangan lain serta materi tentang pengelolaan keuangan, produk-produk keuangan dan teknik berinvestasi. Proses penyampaian materi dimulai dengan presentasi materi secara interaktif serta didukung media lain seperti kartu permainan, permaian games dan alat peraga boneka. Pada akhir kegiatan dilakukan evaluasi untuk mengukur pencapaian hasil dari kegiatan yang sudah dilaksanakan serta pertanggung jawaban ke pihak sekolah. Hasil evaluasi dari kegiatan ekskul ini membuktikan bahwa siswa menjadi lebih hati-hati dalam membelanjakan uangnya, lebih mandiri mengelola keuangan dan mulai belajar berinvestasi secara sederhana menggunakan aplikasi yang tersedia pada smartphone. Dalam jangka panjang, edukasi keuangan yang telah dilakukan sejak dini pada siswa SMP Santo Carolus diharapkan dapat membentuk karakter yang mandiri dan bertanggung jawab, serta mampu melakukan perencanaan untuk masa depannya secara sederhana.
Mewujudkan Green School: Generasi Hijau Sebagai Agen Perubahan Lingkungan Melalui Kegiatan Daur Ulang Sampah Njo, Anastasia; Sugondo, Amelia
Surya Abdimas Vol. 9 No. 2 (2025)
Publisher : Universitas Muhammadiyah Purworejo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/abdimas.v9i2.5635

Abstract

Kesadaran dalam menjaga kebersihan dan peduli terhadap lingkungan di kalangan pelajar masih perlu ditingkatkan. Kegiatan abdimas ini bertujuan memberikan edukasi secara aktif tentang upaya peduli lingkungan melalui kegiatan memilah sampah sebagai bagian dari program Green School. Metode yang digunakan adalah partisipatif untuk membangun tanggung jawab dan kepedulian lingkungan, adapun mitra kegiatan adalah siswa SMP Negeri 1 Mojoagung. eval_usi kegiatan diperoleh melalui kuesioner yang disebarkan pada para siswa untuk mengukur pengetahuan, sikap, dan perilaku siswa terkait pengelolaan sampah. Hasil eval_uasi menunjukkan mayoritas siswa memiliki pengetahuan yang baik tentang pentingnya memilah sampah dan dampaknya terhadap lingkungan. Selain itu, sebagian besar siswa menunjukkan sikap positif dan bersedia terlibat dalam kegiatan pengolahan sampah di sekolah. Kegiatan abdimas ini menunjukkan bahwa siswa tidak hanya menyadari pentingnya pengelolaan sampah, tetapi juga bersedia berkontribusi aktif dalam mendukung program Green School. Dengan demikian, upaya pendidikan di lingkungan sekolah dapat meningkatkan kesadaran dan keterlibatan siswa dalam menjaga kelestarian lingkungan. Kegiatan ini diharapkan dapat memberikan rekomendasi bagi pihak sekolah dalam memperkuatprogram Green School dan memfasilitasi partisipasi siswa.
Maximizing Land Potential: A Highest and Best Use Analysis for Serviced Apartments in Bali Limantoro, Nicholas Jonathan; Anastasia, Njo
Civil Engineering Dimension Vol. 27 No. 2 (2025): SEPTEMBER 2025
Publisher : Institute of Research and Community Outreach - Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/ced.27.2.152-166

Abstract

Bali, renowned as a global tourist destination, faces increasing demand for modern and flexible accommodations catering to both tourists and digital nomads. This study explores the development potential of a 1,000 m² plot in Sanur, Bali, into a serviced apartment using the Highest and Best Use (HBU) method. Legal, physical, financial, and market feasibility analyses proposed a layout with 45.1% apartment units, 54.9% supporting facilities, and 33.6% green spaces. A 12-year cash flow projection demonstrates financial viability, with an Internal Rate of Return (IRR) of 18.71%, a Net Present Value (NPV) of IDR 23.442 billion, and a discounted payback period of 11.39 years. This study shows that serviced apartments offer sustainable land use, aligning with market demand while delivering optimal economic returns. This development also supports Bali’s growth as a modern residential hub and reinforces its reputation as a dynamic global tourist destination.
Peran perempuan dalam pengelolaan air sebagai sumber kehidupan di Wilayah Pesisir Tegalsari, Sidoarjo Anastasia, Njo; Hermawan, Surya; Harjanti, Dhyah
Penamas: Journal of Community Service Vol. 5 No. 4 (2025): Penamas: Journal of Community Service
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/penamas.v5i4.2302

Abstract

The Community Partnership Empowerment Program for the Delta Samudera Timur Group was carried out in Dusun Tegalsari Dukuh Kupang, Jabon District, Sidoarjo Regency. This activity was implemented to address the clean water crisis caused by brackish water conditions that are not suitable for consumption. The main objective is to improve access to clean and consumable water while also promoting gender equality in coastal communities. Efforts were made through the installation of a brackish water purification system utilizing local materials (ALPAMAL), along with gender-based mentoring that emphasizes the distribution of domestic roles and economic opportunities. The implementation began with a community needs survey, followed by the construction and installation of the purification system, and concluded with an evaluation through post-activity interviews. The results showed that the technology successfully produced clean water for both consumption and household needs. The mentoring also increased men’s awareness and participation in domestic work, while opening new business opportunities for women, such as community-based culinary ventures. This program demonstrates that the combination of environmentally friendly technology and social approaches can serve as a catalyst for improving the quality of life and transforming gender relations in coastal areas.
PENGARUH PERILAKU BIAS TERHADAP KEPUTUSAN INVESTASI OLEH INVESTOR DENGAN MODERASI ROBO ADVISOR Murthi, Alvin; Anastasia, Njo
MANAJEMEN DEWANTARA Vol 7 No 1 (2023): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v7i1.13762

Abstract

Penelitian ini bertujuan untuk menguji pengaruh perilaku bias overconfidence dan loss aversion bias terhadap keputusan investasi pada investor dengan robo advisor sebagai variabel moderasi. Penelitian menggunakan data primer yang diambil dari penyebaran kuesioner kepada investor pasar modal di Indonesia. Sampel yang didapatkan adalah 73 responden. Teknik yang digunakan dalam penelitian adalah Partial Least Square dengan menggunakan bantuan progam SmartPLS 3.0. Hasil penelitian membuktikan overconfidence bias dan robo advisor berpengaruh signifikan terhadap keputusan investasi investor, namun loss aversion bias tidak berpengaruh signifikan terhadap keputusan investasi, serta robo advisor tidak dapat memoderasi perilaku bias overconfidence dan loss aversion terhadap keputusan investasi investor.
The Effect of Women's Financial Self-Efficacy on Financial Product Ownership Anastasia, Njo; Lestaritio, Mellicha Jeni
Journal of Economics, Business, and Accountancy Ventura Vol. 23 No. 2 (2020): August - November 2020
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v23i2.2285

Abstract

The government is intensively implementing formal and informal education to improve individual financial literacy. This study aims to examine the effect of women's financial self-efficacy on financial product ownership, controlling for contributing to financial literacy, financial risk preferences, and demographic factors. The sample consists of 253 female respondents who live in Surabaya and already have financial products. The data are collected using questionnaires and processed using binary logistic regression. The results show that women's financial self-efficacy significantly affects the choice of financial products in the form of investment, credit cards, and other loans. However, it does not significantly affect the choice of financial products in the form of savings, mortgages, health insurance, and life insurance. This study is expected to provide benefits in developing learning methods to appropriately improve women's financial literacy according to the available financial product choices. Besides, this study is also expected to provide advice to female clients to diversify their investment product portfolios according to their personalities to achieve their financial goals.
Co-Authors Adelynn Regina Gunawan Adriel Dianto Adwin Surja Atmadja Agnes Eval Agnes Eval Aida Fitriani Tobing Aida Fitriani Tobing Aileen Liana Suwitro Alberto Orson Ongkowidjojo Alvin Januar Haryono Alvin Murthi Amelia Amelia Amelia Feliciana Ticoalu Andrew Darrent Andrian Sumtoro Angelie, Jesshelyn Angeline Roesdiyono Arnoldus Henry Tjahyono Austin Adiputra Tahir Purwantoro Avila, Axel Barca Hadi Juwono Benny Poerbantanoe Brian Zakaria Budiman, Januar Caroline Faustina Wicaksono Celvin Januar Kusuma Chan Hengky Chandra Chavela Wynet Chievo Timothy Soegianto Christiono Utomo Christopher Bradley Budiono Chriswanto, Evelyn Jennis Chyntia Iswantoro Connie Susilawati Connie Susilawati Dave Reynard Denny Stevanus Widyanto Desy Delvina Wijaya Dewi Pricilia Sari Dicky Fredy Widjaja Emmanuelle Christiane Emmanuelle Christiane EVELYN EVELYN Evelyn Evelyn Evelyn Evelyn Fabian Hidayat Felicia Wongosari Foedjiawati Foedjiawati Fransisca Andreani Fransisca Andreani Fransisca Fransisca Gemiartha, Celine Morgan Gesti Memarisa Gesti Memarista Gilbert Alexander Grace Latumahina Hansel William Ongkowijaya Hanskey Tanugara Harjanti, Dhyah Hendarto, Kevin Hendra Hendra Hermawan, Surya Herwono Indra Saputra Hosea, Felixiano Ime Dwi Putri Faries Imelda Wijiyanti Jani Rahardjo Jani Rahardjo Jani Rahardjo Januar Budiman Januar Budiman Joshua Gondo Kusuma Junaedy Junaedy Juwono, Angela Juwono, Chrisna Hadi Kawano, Yuka Kayne, Steve Ken Ken Kerto Kevin Hendarto Kevin Ronaldo Gotama Kevin Wijaya Kunto, Yohanes Sondang Kusuma, Edward Putra Lestaritio, Mellicha Jeni Lidya Priskila Thiosalim Limantoro, Nicholas Jonathan Limetta, Aurell Nathania Liniwati Yuono Liniwati Yuono Lorenza, Delyn Margerita Wenny Jessica Mariana Ing Malelak Mariana Ing Malelak Melani Setiawan Melani Setiawan Melinda Melyani Goni Melisa Margaretha Melisa Margaretha, Melisa Mellicha Jeni Lestaritio Mellisa Marcellina Gunawan Merlin Lenniawati Michaela, Olivia Muktiwibowo, Sebastian Arif Muliadihardjo Muliadihardjo Murthi, Alvin Nanik Linawati Nathasya Wijaya Nicholas Aloysius Ferdinand Wijaya Nony Kezia Marchyta Oka Christian Setiadiwiria Pappang, Rinita Pertiwi, Dewi Rachel Cintantya Rinita Pappang Rizon Rizon Ronaldi Rantelino Ronaldo Richard Gunawan Samantha Christy Tandono Samuel Hans Samuel Ongko Limantoro Sautma Ronni Basana Setiawan, Ocdio Howard Shierly Ivonne Shierly Ivonne Siana Halim Soetikno, Elbert Sofian Arif Susanto Stephanie Gozalie Stephanie Gozalie, Stephanie Stevanus Yuke Sudarsono, Jethson Edbert Sugondo, Amelia Surya Hermawan Susanto, Sofian Arif Sutoto Yakobus Sutoto Yakobus Syah, Angelique Regina Tan, Charleen Nicole Tan, Felice Carmelite Aprilie Tejokusumo, Paulin Theodore, Stanley Thiosalim, Lidya Priskila Timoticin Kwanda Timoticin Kwanda Timoticin Kwanda Timoticin Kwanda Timoticin Kwanda Tjenderadjaja, Stefanie Veronika S. Herlimus Veronika S. Herlimus Victor Christian Gui Victor Winata Pranoto Vincent Wibisono Welly Setiadi Wibisono, Audi Widya Sari Puspa Dewi Suyanto Widyanto, Denny Stevanus Wirawan Wangsawinata Yanny Widiastuty Gunawan Yoe Filbert A Yoni Putranto Yuliana Lieyanto Yunita Handayani Yunita Handayani Yusuf, Keona