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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 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 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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Membangun kesadaran finansial: integrasi literasi fintech dan pengendalian perilaku konsumtif Soegianto, Chievo Timothy; Kusuma, Celvin Januar; Wijaya, Nicholas Aloysius Ferdinand; Anastasia, Njo
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.
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.
Implementasi Teknologi Penjernih Air Payau Berbasis Alat Penjernih Air Payau Berbasis Bahan Lokal (ALPAMAL) dalam Mengatasi Krisis Air Bersih Hermawan, Surya; Hosea, Felixiano; Theodore, Stanley; Njo, Anastasia; Harjanti, Dhyah
Welfare : Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2025): Welfare : March 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/welfare.v3i1.2080

Abstract

The coastal community of Tegalsari Hamlet, Dukuh Kupang Village, Sidoarjo, is facing a clean water crisis due to dependence on brackish water sources with Total Dissolved Solid (TDS) reaching 6000 mg/L, which is considered very dangerous. To overcome this problem, the community service team developed a brackish water purifier based on local materials (ALPAMAL) using environmentally friendly technology. This activity uses the Participatory Action Research (PAR) method combined with service learning, involving the community in every stage, from identifying problems, designing the tool, to implementation and evaluation. The survey results showed that 96% of the community wanted ALPAMAL for clean water needs, and 93% were willing to maintain the tool. This program proves that simple, participation-based technology can be a sustainable solution in dealing with the air crisis in coastal areas, as well as increasing community independence in managing air resources.
Membangkitkan Minat, Membangun Masa Depan: Pembelajaran Interaktif dengan 'Kebutuhan Keluargaku' untuk Siswa TK Bina Bunga Bangsa Surabaya Christopher Bradley Budiono; Rachel Cintantya; Adelynn Regina Gunawan; Njo Anastasia
DEDIKASI PKM Vol. 5 No. 2 (2024): DEDIKASI PKM UNPAM
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/dkp.v5i2.39009

Abstract

Berhemat adalah gaya hidup yang sangat bermanfaat bagi siapapun. Hidup hemat memampukan seseorang untuk mengetahui apa yang dibutuhkan dan apa yang diinginkan, gaya hidup hemat juga membantu seseorang untuk tidak bertindak secara impulsif dalam memenuhi kebutuhan dan keinginan. Dengan adanya kegiatan pengabdian masyarakat ini, diharapkan siswa-siswi taman kanak-kanak dapat menumbuhkan kesadaran akan pentingnya mengenal kebutuhan hidup dan dapat berhemat. Gaya hidup berhemat ini cukup krusial untuk diberikan pada usia muda untuk menghindari sifat impulsif membeli. Hal ini dikarenakan sifat membeli secara impulsif tanpa memikirkan kebutuhan dan keinginan, akan mengarah kepada pembelian yang tidak berguna dan hanya memenuhi rasa keinginan di awal. Metode yang dilakukan dalam kegiatan pengabdian masyarakat terdiri dari tiga langkah, yaitu persiapan, pelaksanaan, dan kegiatan evaluasi. Kegiatan yang digunakan adalah metode pembelajaran interaktif sehingga para siswa-siswi didorong untuk menjadi aktif dalam berpartisipasi sehingga akan menimbulkan rasa percaya diri dan dapat lebih fokus. Hasil dari kegiatan pengabdian masyarakat menunjukkan siswa-siswa yang semakin sadar akan kebutuhan-kebutuhan yang ada seperti makan, air, hingga listrik dan mampu berpartisipasi secara aktif dalam kegiatan. Siswa-siswi TK menjadi lebih sadar akan barang-barang yang digunakan memerlukan biaya dan harus berhemat.
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.
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 Chan Hengky Chandra Chavela Wynet 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, Kevin Kunto, Yohanes Sondang Kusuma, Celvin Januar Kusuma, Edward Putra Lestaritio, Mellicha Jeni Lidya Priskila Thiosalim Limantoro, Nicholas Jonathan 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 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 Shierly Ivonne Shierly Ivonne Siana Halim Soegianto, Chievo Timothy 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, 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 Wijaya, Nicholas Aloysius Ferdinand Wirawan Wangsawinata Yanny Widiastuty Gunawan Yoe Filbert A Yoni Putranto Yuliana Lieyanto Yunita Handayani Yunita Handayani Yusuf, Keona