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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 Wilayah dan Lingkungan 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) Jurnal Pelayanan dan Pengabdian Masyarakat (Pamas) 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 DIMENSI: Journal of Architecture and Built Environment 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 Earth & Planetary Sciences 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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THE INFLUENCE OF REAL INTEREST RATES, INFLATION, EXCHANGE RATE, AND GDP ON STOCK RETURN IN THE PROPERTY SECTOR Tejokusumo, Paulin; Anastasia, Njo; Atmadja, Adwin Surja
Jurnal Ekonomi dan Manajemen Vol 16 No 2 (2022): Jurnal Ekonomi dan Manajemen (Special Edition MSEPS UMKT)
Publisher : Universitas Muhammadiyah Kalimantan Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30650/jem.v16i2.3608

Abstract

Stocks are one of the investment products in financial markets that need to be understood in terms of risk and return, where changes in stock returns can be influenced by external and internal factors. This study aims to determine the significant effect of real interest rates, inflation, exchange rates, and gross domestic product on property sector stock returns on the Indonesia Stock Exchange (IDX) in the 2012-2019 period. This period shows a fluctuating property market cycle due to changes in external factors, namely the economy and politics in Indonesia. Public companies in the property and real estate sector are listed on the IDX, with a total of 67 companies selected with certain criteria; 26 companies were selected. Secondary data obtained from the World Bank and Bank Indonesia were tested using panel data regression. The test results show that real interest rates, inflation, and exchange rates have a significant effect on stock returns, but the gross domestic product has no significant effect. This research proves the importance of the government's role in maintaining the economic and political stability of a country so that investors are interested in investing in the stock market. Contributions from the property and real estate sector in driving the economy from upstream to downstream also need government support regarding regulations and taxation.
THE EFFECT OF SAVING BEHAVIOR AND FINANCIAL LITERACY ON INVESTMENT DECISIONS IN THE GENERATION Z CAPITAL MARKET IN SURABAYA Michaela, Olivia; Anastasia, Njo
Jurnal Ekonomi dan Manajemen Vol 16 No 2 (2022): Jurnal Ekonomi dan Manajemen (Special Edition MSEPS UMKT)
Publisher : Universitas Muhammadiyah Kalimantan Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30650/jem.v16i2.3625

Abstract

Investment among young people shows rapid growth rates due to financial benefits. Saving activities are replaced by investing activities. This study explores the effect of saving behavior and financial literacy on investment decisions in the capital market by Generation Z in Surabaya. Data collection using a questionnaire distributed online to Generation Z aged 17-23 years who live in Surabaya and have invested in the capital market obtained as many as 100 respondents. The primary data was processed using SEM-PLS 3.0. The study results show that saving behavior and financial literacy significantly influence the investment decisions of Generation Z in the capital market. This research proves that there is a behavioral transition in Generation Z from a saving society to investing society. The implications of research for the government and capital market players through education are active investments to drive the economy, especially in the capital market and contribute to developing the State of Indonesia. However, Generation Z needs to be directed to seek information before investing to make the right decisions.
Determinants of Intention of Using Mortgage in Financing Home Ownership in Surabaya Anastasia, Njo; Thiosalim, Lidya Priskila; Malelak, Mariana Ing
APMBA (Asia Pacific Management and Business Application) Vol. 10 No. 1 (2021)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2021.010.01.4

Abstract

Expensive prices of houses compels an individual to make a purchase through a third party. This study aims to test the determinants of intention to use mortgage in financing home ownership in Surabaya. The sample was selected using purposive sampling form the population of Surabaya citizens who intended to use home ownership mortgage (Kredit Pemilikan Rumah, KPR). The data was analyzed is SmartPLS. This study finds that subjective norms, perceived behavioral control, knowledge of mortgage, and religiosity significantly affects the intention to use mortgage. Furthermore, attitude, however, does not affect it. The result of this study benefits bankers so that they are able to actively inform consumers about their mortgage products, to raise consumer’s intention to use them. Consumers will also be able to choose mortgage products that suit them best, and they can have a sense of security and convenience during the loan term.
Membangun kesadaran finansial: integrasi literasi fintech dan pengendalian perilaku konsumtif Chievo Timothy Soegianto; Celvin Januar Kusuma; Nicholas Aloysius Ferdinand Wijaya; Njo Anastasia
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 9, No 5 (2025): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v9i5.31669

Abstract

Abstrak Perkembangan teknologi digital telah membawa perubahan signifikan pada masyarakat dalam mengakses dan menggunakan layanan keuangan. Kemudahan bertransaksi serta pengelolaan keuangan dapat dilakukan melalui perangkat digital yaitu financial technology (fintech). Di sisi lain, juga membawa tantangan tersendiri yaitu perilaku konsumtif khususnya kalangan remaja. Kegiatan service learning ini bertujuan untuk meningkatkan literasi keuangan melalui edukasi terkait perilaku konsumtif pada siswa SMA Mawar Sharon. Metode pelaksanaan berupa kegiatan penyuluhan dan diskusi interaktif yang melibatkan siswa secara aktif, dengan materi meliputi pemahaman dasar tentang fintech, jenis-jenis layanan keuangan digital (seperti e-wallet, paylater, dan investasi online), serta strategi dalam mengatur pengeluaran agar tidak terjadi pemborosan. Hasil kegiatan menunjukkan adanya peningkatan pemahaman siswa mengenai pentingnya pengelolaan keuangan pribadi dan potensi risiko dari penggunaan fintech yang tidak bijak. Edukasi ini diharapkan dapat membentuk kesadaran finansial sejak dini pada siswa SMA serta mendorong perilaku yang bijaksana dalam keuangan agar menjadi generasi muda yang cerdas dan berwawasan luas dalam pengambilan keputusan finansial di era digital. Kata kunci: financial technology; literasi keuangan; perilaku konsumtif; teknologi digital. Abstract The development of digital technology has brought significant changes in various aspects of life, including in the way people access and use financial services. Financial technology (fintech) offers convenience in transactions and financial management, but also brings its own challenges, especially in encouraging consumptive behavior, especially among teenagers who are still in the stage of forming character and financial mindset. This study aims to improve financial literacy and educate about controlling consumptive behavior through a direct educational approach to Mawar Sharon High School students. The implementation method is in the form of counseling activities and interactive discussions that actively involve students, with materials covering basic understanding of fintech, types of digital financial services (such as e-wallets, paylater, and online investments), and strategies in managing expenses and avoiding waste. The results of the activities showed an increase in students' understanding of the importance of personal financial management and the potential risks of using fintech unwisely. This education is expected to form financial awareness from an early age and encourage the creation of a young generation that is smart and responsible in making financial decisions in the digital era. Keywords: financial technology; financial literacy; consumptive behaviour; digital technology.
FAKTOR-FAKTOR YANG DIPERTIMBANGKAN SEBAGAI GREENWASH DALAM PROPERTI Kevin Wijaya; Njo Anastasia
Dimensi Utama Teknik Sipil Vol. 12 No. 1 (2025): April 2025
Publisher : Program Studi Magister Teknik Sipil - Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/duts.12.1.11-30

Abstract

Greenwash dalam properti merujuk pada praktik bisnis yang menyesatkan tentang keberlanjutan dan ramah lingkungan untuk menarik konsumen atau pemangku kepentingan. Penelitian mengenai greenwash dalam industri properti masih jarang ditemukan, sehingga penelitian ini diharapkan dapat memberikan kontribusi terhadap literatur Indonesia. Tujuan penelitian ini adalah mengidentifikasi faktor-faktor yang dipertimbangkan sebagai greenwash dalam industri properti di Indonesia. Praktik greenwash dapat menyebabkan konsumen dan masyarakat sulit membedakan antara perusahaan yang benar-benar berkomitmen terhadap keberlanjutan dan yang hanya menggunakan taktik pemasaran menyesatkan. Data dikumpulkan melalui kuesioner daring yang diisi oleh 168 responden dari beberapa kota di Indonesia. Hasil analisis mengidentifikasi empat faktor penting sebagai greenwash: klaim yang salah, inovasi, risiko, keterbukaan terhadap masyarakat, klaim yang menyesatkan, dan kepatuhan terhadap regulasi lingkungan. Seluruh faktor tersebut memiliki korelasi sebesar 69.522%, dengan taktik greenwashing dalam pemasaran menjadi faktor yang paling dipertimbangkan (36.363%). Meskipun pengetahuan mengenai greenwash masih kurang, faktor ini tetap sangat dipertimbangkan saat memilih properti.
KEBUTUHAN MAKAM BAGI WARGA PERUMAHAN (Studi Kasus di Perumahan Wilayah Surabaya Barat) Junaedy Junaedy; Yoni Putranto; Njo Anastasia; Benny Poerbantanoe
DIMENSI (Journal of Architecture and Built Environment) Vol. 30 No. 1 (2002): JULY 2002
Publisher : Institute of Research and Community Outreach, Petra Christian University, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/dimensi.30.1.%p

Abstract

One of the components to build city is cemetery and this facility must build by developer. But the developer is not facilitated the cemetery in housing estate area. If inhabitant housing estate died, it is very difficult to reside because the inhabitant surrounded housing estate refused. The factor such as developer obligation, physiology, location, social economic, conviction and knowledge, cultural and religion are analyzed by factor analysis. The result showed that the inhabitant housing estate in West Surabaya necessary cemetery facility for the inhabitant but the location is outside housing estate area. The characteristic cemetery needed not so far from housing estate, general cemetery, and permanent cemetery. Abstract in Bahasa Indonesia : Makam merupakan salah satu komponen pembentuk ruang kota dan salah satu fasilitas yang harus disediakan oleh pengembang. Namun pengembang tidak menyediakan makam di kawasan perumahan. Bila penghuni perumahan ada yang meninggal sulit dimakamkan di sekitar wilayah perumahan, sebab warga sekitar perumahan menolak. Faktor yang diteliti untuk menentukan kebutuhan makam adalah kewajiban pengembang, psikologi, lokasi, sosial ekonomi, keyakinan dan pengetahuan, budaya, serta agama, yang dianalisa menggunakan analisa faktor. Hasil analisa menunjukkan bahwa warga perumahan di Surabaya Barat menyatakan perlunya fasilitas makam bagi penghuni namun lokasinya di luar wilayah perumahan. Karakteristik makam yang dibutuhkan adalah makam yang dekat tempat tinggal, jenis makam umum, serta bentuk bangunannya permanen (kijing, bong pai, atau rumah makam). Kata kunci: makam, kawasan perumahan, analisa faktor, makam umum, bangunan permanen.
Determinants of Online Impulsive Buying Post Pandemic Covid-19 Andreani, Fransisca; Anastasia, Njo; Foedjiawati, Foedjiawati
Jurnal Teknik Industri: Jurnal Keilmuan dan Aplikasi Teknik Industri Vol. 25 No. 1 (2023): June 2023
Publisher : Institute of Research and Community Outreach - Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/jti.25.1.17-30

Abstract

During the Covid-19 pandemic, the use of social media has increased in line with online buying transactions. This research was conducted to find out online impulsive buying due to the large amount of information and promotion spread on social media after the pandemic. Online questionnaires were distributed to 261 respondents who made online transactions. SEM-PLS 3.0. was used to analyze the data.  The results prove that hedonic browsing has a significant influence on flow experience. Flow experience has a significant influence on cognitive experience and affective experience as well as online impulsive buying. Cognitive experiences have significant influence on online impulsive buying. However, affective experiences do not have a significant influence on online impulsive buying. Moreover, financial management behavior cannot moderate the relationship among cognitive and affective experiences as well as online impulse buying. Theoretically, the study shows that irrational consumption processes lead to hedonic shopping due to easy and convenient searching for products through social media. Thus, in practice it is advisable for marketing managers to design their promotions on social media related to products and interspersed with financial literacy so that consumers can shop wisely.  
Meningkatkan Literasi Keuangan Siswa SMA melalui Simulasi Trading dan Kuis Interaktif Wongso, Enrico; Susanto, Leonardo Christian; Ferdian, Edric; Anastasia, Njo
Jurnal Pelayanan dan Pengabdian Masyarakat (Pamas) Vol 10, No 2 (2026): Jurnal Pelayanan dan Pengabdian Masyarakat (PAMAS)
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM Universitas Respati Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52643/pamas.v10i2.6177

Abstract

This community service activity was conducted to improve the financial literacy of high school students through an experiential learning method. The main issue addressed was the low level of students’ understanding of money management, saving, and investment. The activity was carried out in two batches and involved 35 students from several schools. Students received financial literacy materials, participated in virtual stock trading simulations, and engaged in interactive quizzes. Evaluation was conducted by comparing pre-test and post-test results. The findings showed a significant improvement in students’ understanding of financial management, awareness of the importance of saving, and comprehension of investment risks. The experiential learning approach proved to be effective as students learned directly through practice. This activity provided not only theoretical knowledge but also enjoyable practical experience, helping students to develop responsible financial thinking from an early age
Why Gen Z Investors Hesitates: Behavioral and Status Quo Biases in Investment Intention Dave Reynard; Njo Anastasia
Petra International Journal of Business Studies Vol. 9 No. 1 (2026): JUNE 2026
Publisher : Master of Management, School of Business and Management, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/petraijbs.9.1.17-30

Abstract

Investors often deviate from rational decision making due to cognitive biases, emotional factors, and social influences, which may lead to suboptimal investment outcomes. At the same time, resistance to change, reflected in status qua bias, may hinder portfolio adjustments. This study examines the effect of behavioral biases (overconfidence, availability, and herding) and status quo biases (sunk cost, inertia, and switching costs) on Gen Z's investment intention. A quantitative approach was employed using data collected from 400 Gen Z investors in Indonesia who possess a Single Investor Identification (SID). Data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 The results show that overconfidence, availability, and herding biases significantly influence investment intention. In addition, sunk cost and inertia exhibit significant effects, whereas switching costs are not found to be significant. These findings highlight that both cognitive biases and resistance to change play critical roles in shaping Gen Z’s investment behavior. This study contributes to behavioral finance literature by integrating behavioral and status quo biases in explaining investment intention among younger investors. The findings offer practical implications for investors and financial practitioners in designing strategies that mitigate bias-driven decisions and enhance investment outcomes.
The Effect of Women's Financial Self-Efficacy on Financial Product Ownership Njo Anastasia; Mellicha Jeni Lestaritio
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 Amelia Amelia Feliciana Ticoalu Andrew Darrent Andrian Sumtoro Angelie, Jesshelyn Angeline Roesdiyono Arnoldus Henry Tjahyono Aurell Nathania Limetta Austin Adiputra Tahir Purwantoro Avila, Axel Barca Hadi Juwono Benny Poerbantanoe Benny Poerbantanoe Brian Zakaria Budiman, Januar Caroline Faustina Wicaksono Celvin Januar Kusuma Chan Hengky Chandra Charleen Nicole Tan Chavela Wynet Chievo Timothy Soegianto Christiono Utomo Christopher Bradley Budiono Chriswanto, Evelyn Jennis Chyntia Iswantoro Connie Susilawati Connie Susilawati Dave Reynard Dave Reynard Denny Stevanus Widyanto Desy Delvina Wijaya Dewi Pricilia Sari Dhyah Harjanti Dicky Fredy Widjaja Doddy Prayogo Emmanuelle Christiane Emmanuelle Christiane Evelyn Evelyn EVELYN EVELYN Evelyn Evelyn Evelyn Evelyn Fabian Hidayat Felicia Wongosari Ferdian, Edric 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 Junaedy Junaedy Juwono, Angela Juwono, Chrisna Hadi Kawano, Yuka Kayne, Steve Ken Ken Kerto Kevin Hendarto Kevin Leonardo Kevin Ronaldo Gotama Kevin Wijaya Kunto, Yohanes Sondang Kusuma, Edward Putra Lidya Priskila Thiosalim Limantoro, Nicholas Jonathan Liniwati Yuono Liniwati Yuono Lorenza, Delyn Margerita Wenny Jessica 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 Ocdio Howard Setiawan Oka Christian Setiadiwiria Pappang, Rinita Pertiwi, Dewi Rachel Cintantya Rico Stevanus Rinita Pappang Rizon Rizon Ronaldi Rantelino Ronaldo Richard Gunawan Samantha Christy Tandono Samuel Hans Samuel Ongko Limantoro Sautma Ronni Basana Shierly Ivonne Shierly Ivonne Siana Halim Soetikno, Elbert Sofian Arif Susanto Stefanie Tjenderadjaja Stephanie Gozalie Stephanie Gozalie, Stephanie Stevanus Yuke Sudarsono, Jethson Edbert Sugondo, Amelia Surya Hermawan Surya Hermawan Susanto, Leonardo Christian Susanto, Sofian Arif Sutoto Yakobus Sutoto Yakobus Syah, Angelique Regina Tan, Felice Carmelite Aprilie Tejokusumo, Paulin Theodore, Stanley Thiosalim, Lidya Priskila Timoticin Kwanda Timoticin Kwanda Timoticin Kwanda Timoticin Kwanda Timoticin Kwanda 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 Sunyoto Wirawan Wangsawinata Wongso, Enrico Yanny Widiastuty Gunawan Yoe Filbert A Yoni Putranto Yoni Putranto Yuliana Lieyanto Yunita Handayani Yunita Handayani Yusuf, Keona