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All Journal ETIKONOMI JASF (Journal of Accounting and Strategic Finance) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Abdi Masyarakat Indonesia ProBisnis : Jurnal Manajemen Jurnal Pengabdian Multidisiplin Penamas: Journal of Community Service Jurnal Ilmiah Akuntansi dan Keuangan Fokus Bisnis: Media Pengkajian Manajemen dan Akuntansi WIKUACITYA: Jurnal Pengabdian Kepada Masyarakat
Koesoemasari, Dian Safitri Pantja
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Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Remaja visioner: Mengenal investasi dan mengelola keuangan remaja di SMK TAMTAMA 2 Sidareja Setiawan, Gawik; Suzana, Andhi Johan; Koesoemasari, Dian Safitri Pantja
Penamas: Journal of Community Service Vol. 6 No. 1 (2026): Penamas: Journal of Community Service
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/penamas.v6i1.2754

Abstract

This community service program aimed to enhance students’ financial literacy and understanding of early investment at SMK Tamtama 2 Sidareja. The program was implemented using a participatory and contextual approach that comprised the stages of planning, implementation, and evaluation. The activities were conducted through material delivery, interactive discussions, and simple financial simulations. Program evaluation was conducted using pre- and post-test instruments to measure changes in participants’ understanding. The results indicated an average increase of 34% in students’ knowledge related to financial literacy concepts, pocket money management, and investment awareness. In addition to cognitive improvement, the program fostered students’ awareness of more rational financial behaviour, as reflected in their intentions to save and to control their consumption habits.
Pengaruh Literasi Keuangan, Inklusi Keuangan, Aplikasi Keuangan Digital, Pendapatan dan Gaya Hidup terhadap Perilaku Menabung Generasi Z di Purwokerto Nadiati, Marlia Neni; Koesoemasari, Dian Safitri Pantja; Nirmala, Nirmala
ProBisnis : Jurnal Manajemen Vol. 17 No. 2 (2026): March: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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Abstract

This study aims to analyze the influence of financial literacy, financial inclusion, digital financial applications, income, and lifestyle on the saving behavior of Generation Z in Purwokerto. Saving behavior among the younger generation has shifted significantly, driven by rapid technological advancements and the emergence of digital financial platforms that simplify access to savings and investment instruments. Employing a quantitative approach, this research utilized a survey method with questionnaires distributed to 100 respondents selected via accidental sampling. Data were analyzed using multiple linear regression. The results indicate that financial literacy, financial inclusion, digital financial applications, and income have a positive and significant impact on saving behavior. Conversely, a consumptive lifestyle was found to have a negative and significant effect. These findings suggest that enhancing financial knowledge, expanding inclusion, and leveraging digital tools are essential for improving the saving habits of Generation Z, while a high level of consumerism remains a primary barrier to financial discipline.
Pengaruh Literasi Keuangan, Motivasi Investasi, Persepsi Risiko, Pengaruh Sosial, dan Modal Minimal terhadap Minat Investasi Saham pada Generasi Z Azizah, Luthfi Nur; Rokhayati, Isnaeni; Koesoemasari, Dian Safitri Pantja
ProBisnis : Jurnal Manajemen Vol. 17 No. 2 (2026): March: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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Abstract

This study aims to analyze the influence of financial literacy, investment motivation, risk perception, social influence, and minimum capital on stock investment interest among Generation Z. The population consisted of 134 members of the Beginner Stock Investor Community in Purwokerto, and the sampling technique used was probability sampling with a simple random sampling method, resulting in 101 respondents. This research employed a quantitative approach using a survey method through the distribution of questionnaires, and the data were analyzed using multiple linear regression analysis. The results indicate that financial literacy, investment motivation, social influence, and minimum capital have a positive and significant effect on stock investment interest, while risk perception has a negative and significant effect on stock investment interest. The limitation of this study is that it was conducted only among members of the Beginner Stock Investor Community in Purwokerto, so the findings cannot be broadly generalized to all Generation Z individuals in other regions or communities with different characteristics.
Co-Authors Ady Achadi Ananda Putri, Juvita Andhi Johan Suzana Asri Ady Bakri Azizah, Luthfi Nur Cahyaningtyas Ria Uripi Doddy Setiawan Ervan Susilowati Harsuti, Harsuti Irvan Fajar Satria Irwan Trinugroho, Irwan Isnaeni Rokhayati Jana Sandra Janah, Anisa Aulia Nadiati, Marlia Neni Nirmala Nirmala Nirmala Nirmala, Nirmala Nugraha, Ginanjar Adi Pahlevi , Akabar Putri, Juvita Ananda Ratna Pujiastuti Romadhon, Sahrul Santi Suciningtyas Satria, Irvan Fajar Setiawan, Gawik Surveyandini, Mayla Suzana, Andhi Johan Tommy Indra Gunawan Tulus Haryono Wardana, Rizyad Kusuma Wisnu Wijayanto Zumaeroh -