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Generation Z Investment Decision: An Analysis Using Behavioral Factors Iqbal Fadhiil; Putri Fariska
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2803

Abstract

Investment has gotten more known and popular since a few years back, particularly during the pandemic. The growth itself was majorly contributed by people within the age group of Generation Z. One of the most contributing factors of their participation is their fear of missing out, especially with the exposure of social media investment content.  Their behavioral biases oftentimes result in loss instead of return, due to the unwise investment decisions. This research investigates the behavioral bias within the investment decision-making of Generation Z in the area of Greater Bandung, with the sample of 489 individuals. The collected data from the sample through questionnaires analyzed using SPSS software with Multiple Linear Regression method. The results show that trait anger does not partially influence investment decision significantly, while trait anxiety, overconfidence, herding behavior, and self-monitoring partially influence investment decision significantly. All the independent variables simultaneously influence investment decision.
PEMANFAATAN E-WALLET, INVESTASI DIGITAL, DAN KEAMANAN TRANSAKSI BAGI GURU DAN LEMBAGA PENDIDIKAN Farida, Ajeng Luthfiyatul; Fariska, Putri; Kristanti, Farida Titik; Salim, Dwi Fitrizal
Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Vol. 3 No. 6 (2025): Desember
Publisher : CV. Alina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59407/jpki2.v3i6.3196

Abstract

Pengabdian ini bertujuan untuk meningkatkan literasi keuangan digital bagi guru dan lembaga pendidikan melalui pemanfaatan e-wallet, pengenalan investasi digital, serta penguatan keamanan transaksi. Metode pengabdian menggunakan pendekatan participatory learning yang mencakup sosialisasi literasi keuangan digital, pelatihan praktik penggunaan aplikasi, simulasi transaksi, diskusi studi kasus, serta evaluasi kegiatan melalui kuesioner skala Likert dan pertanyaan terbuka. Hasil kegiatan menunjukkan bahwa 92% peserta memahami tujuan pengabdian, 90% menilai materi relevan dengan kebutuhan, dan seluruh peserta merasakan peningkatan pengetahuan mengenai penggunaan e-wallet, investasi digital, serta praktik keamanan transaksi. Simpulan, bahwa pelatihan berbasis partisipatif efektif dalam meningkatkan kemampuan guru memanfaatkan layanan keuangan digital secara produktif dan aman, serta mendorong lembaga pendidikan untuk mengadopsi sistem keuangan digital secara lebih optimal.  
Pelatihan Pemasaran Digital untuk Bina Desa Wisata Cibodas Kecamatan Pasirjambu Kabupaten Bandung Indrawati; Putri Fariska; Didin Kristinawati
The Proceeding of Community Service and Engagement (COSECANT) Seminar Vol. 4 No. 2 (2024): The Proceeding of Community Service and Engagement (COSECANT) Seminar
Publisher : Telkom University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25124/cosecant.v4i2.8489

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan pemahaman masyarakat Desa Wisata Cibodas terhadap konsep pemasaran digital, dengan fokus pada platform TikTok dan TikTok Ads. Pelatihan ini dirancang untuk memberdayakan masyarakat dalam memanfaatkan teknologi digital untuk mempromosikan potensi desa wisata secara efektif. Metodologi yang digunakan mencakup pendekatan partisipatif melalui pre-test dan post-test untuk mengukur perubahan pemahaman peserta, serta penyebaran kuesioner guna mengevaluasi penerimaan dan kepuasan terhadap program. Analisis data dilakukan dengan metode statistik deskriptif. Hasil menunjukkan peningkatan pemahaman rata-rata sebesar 33,26% setelah pelatihan, mengindikasikan keberhasilan transfer pengetahuan dan keterampilan kepada peserta. Umpan balik peserta mencerminkan penerimaan yang sangat positif, dengan skor tertinggi sebesar 3,67 untuk aspek penerimaan masyarakat terhadap program ini. Pelatihan juga berhasil memperkenalkan strategi pemasaran digital berbasis kreativitas dan interaksi, yang relevan dengan konteks pengembangan desa wisata berbasis keberlanjutan. Namun, kegiatan ini memiliki beberapa kekurangan, seperti keterbatasan durasi pelatihan dan kurangnya pemetaan kebutuhan masyarakat yang lebih mendalam sebelum pelaksanaan program. Untuk penelitian atau program pengabdian selanjutnya, direkomendasikan untuk menambah durasi pelatihan, melakukan survei kebutuhan yang lebih terperinci, serta menyediakan pendampingan pasca-pelatihan untuk memastikan penerapan strategi pemasaran yang berkelanjutan. Temuan ini berkontribusi pada literatur pemasaran digital desa wisata dan memberikan implikasi praktis bagi pengembangan strategi promosi di tingkat komunitas.
Brand Image Mediation in Coffee Shop Consumer Decisions: Marketing Mix Effects in Indonesia Mochamad Malik Akbar Rohandi; Allya Roosallyn Assyofa; Putri Fariska; Ratih Hurriyati
International Journal of Marketing and Digital Creative Vol. 4 No. 1 (2026): International Journal of Marketing and Digital Creative
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmadic.v4i1.3926

Abstract

Indonesia’s coffee shop industry has experienced rapid expansion, driven by shifting consumer lifestyles and intensified market competition. In this digitally mediated competitive landscape where social media promotions, online ordering platforms, and e-wallet-based discounts shape consumer engagement understanding the determinants of purchase decisions becomes critical. The mediating pathways through which marketing mix elements influence these decisions remain insufficiently examined, particularly the role of brand image in emerging markets. This explanatory quantitative study employs Structural Equation Modeling–Partial Least Squares (SEM-PLS) to investigate the direct and indirect effects of price discount, store atmosphere, service quality, and product assortment on purchase decisions, with brand image as the mediating variable. Primary data were collected through structured questionnaires from 100 purposively sampled respondents in Bandung, Indonesia, who had recent coffee shop purchase experience. Results demonstrate that product assortment significantly influences purchase decisions directly, while price discount, store atmosphere, and service quality show no significant direct effects. However, price discount substantially impacts purchase decisions through brand image mediation, with the model explaining 96.3% of brand image variance and 87.4% of purchase decision variance. These findings advance strategic marketing theory by demonstrating that brand image functions as a critical mediating mechanism consistent with the Stimulus, Organism and Response (S–O–R) framework transforming price-based stimuli into actual purchase behavior. Practically, coffee shop managers should implement dual-focus strategies: cultivating brand perceptions through strategic discounting while simultaneously diversifying product offerings to stimulate purchase decisions directly.
Moderating Role Of Inflation In Macroprudential Policy And Banking Risk: Indonesian Sharia Banks Fariska, Putri; Rohandi, Mochamad Malik Akbar
Journal of Governance Risk Management Compliance and Sustainability Vol. 6 No. 1 (2026): April Volume
Publisher : Center for Risk Management & Sustainability and RSF Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/jgrcs.v6i1.3961

Abstract

This paper investigates the moderation effect of macroeconomic policy on the effectiveness of macroprudential and risk management in sharia bank. Macroprudential policies are increasingly being used, developing countries use them the most, especially those related to foreign exchange, but several studies state that this policy will help the country's level of financial stability which will ultimately improve the economy. Apart from that, several countries have revealed that macroprudential policy will be more effectively implemented when the government implements tight monetary policy. We took data from 2010-2024 we try to examine the effect macroprudential to risk management when the government implements tight monetary policy using Moderation Regression Analysis to capture conditional effect and conditional interaction. From this research, we can conclude that hat the implementation of macroprudential policy in sharia banking has a significant influence on risk management through managing financing risk and liquidity risk, while the magnitude of the influence of implementing macroprudential policy on risk management will depend on macroeconomic policy, namely the inflation rate, but only affects liquidity risk management and does not affect financing risk management. Directly, the inflation rate also has an influence on liquidity risk in Islamic banking. In other words, the intermediation function of sharia banking can run optimally due to the effectiveness of implementing macroprudential policies, so that banks are able to carry out their functions well.
PENDAMPINGAN LITERASI KEUANGAN UNTUK PENGURUS DAN RELAWAN YAYASAN ABATASA BANDUNG Tieka Trikartika Gustyana; Putri Fariska Sugestie; Erni Martini
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 7 No. 3 (2026): Inpress Vol. 7 No. 3 (2026)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v7i3.54343

Abstract

Literasi keuangan merupakan kompetensi esensial dalam mendukung kemampuan individu mengelola keuangan secara efektif, khususnya pada kelompok masyarakat rentan yang memiliki keterbatasan akses terhadap edukasi keuangan formal. Rendahnya tingkat literasi keuangan berpotensi menimbulkan kesalahan dalam pengambilan keputusan finansial, seperti ketidaktepatan dalam mengelola pendapatan, pengeluaran, serta perencanaan keuangan jangka panjang. Kondisi tersebut juga ditemukan pada pengurus dan relawan Yayasan Abatasa Bandung yang berperan penting dalam mendukung keberlanjutan lembaga sosial. Oleh karena itu, kegiatan Pengabdian kepada Masyarakat ini dilaksanakan untuk meningkatkan literasi keuangan pengurus dan relawan yayasan. Metode yang digunakan meliputi pendidikan masyarakat dan pelatihan melalui penyampaian materi secara interaktif, diskusi kelompok, serta simulasi perencanaan keuangan sederhana yang disesuaikan dengan karakteristik peserta. Evaluasi kegiatan dilakukan menggunakan pre-test dan post-test untuk mengukur peningkatan pemahaman peserta. Hasil kegiatan menunjukkan adanya peningkatan pengetahuan peserta mengenai konsep dasar pengelolaan keuangan, perbedaan antara tabungan dan investasi, serta pentingnya perencanaan keuangan jangka pendek dan jangka panjang. Peningkatan literasi keuangan ini menjadi landasan penting dalam mendorong pengambilan keputusan finansial yang lebih bijak dan memperkuat kemandirian ekonomi pengurus dan relawan yayasan.
BIAS KOGNITIF TERHADAP KEPUTUSAN INVESTASI GEN Z Mochamad Malik Akbar Rohandi; PUTRI FARISKA; Ajeng Luthfiyatul Farida; Herdy Rahmat Maulana Martin
Jurnal Manajemen dan Bisnis Performa Vol. 20 No. 2 (2023)
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v20i2.3270

Abstract

Investasi merupakan salah satu kegiatan yang sedang tren dalam beberapa tahun terakhir. Di masa pandemi Covid-19, populasi investor di Indonesia semakin bertambah dan didominasi oleh Generasi Z yang menjadikan para pembuat konten yang tidak bertanggung jawab di media sosial. Total kerugian masyarakat yang berinvestasi, terutama pada investasi ilegal, telah melampaui lebih dari Rp1 T selama lima tahun terakhir. Hal ini menunjukkan bahwa keputusan investasi dipengaruhi oleh dinamika sosial. Dalam penelitian ini, peneliti ingin mengetahui pengaruh perilaku herding, bias overconfident, dan Rregret-Aversion Bias terhadap keputusan investasi yang diambil oleh investor Gen Z di Jawa Barat. Pendekatan penelitiannya adalah penelitian kuantitatif dengan menyebarkan kuesioner kepada 400 responden. Metode analisis data yang digunakan dalam penelitian ini adalah Analisis Regresi Linier Berganda. Hasil penelitian menunjukkan bahwa perilaku herding, overconfident, dan bias penyesalan-aversion berpengaruh terhadap keputusan investasi Generasi Z di Jawa Barat, baik secara parsial maupun simultan.
PURCHASE DECISIONS IN ECOMMERCE: IMPACT FROM INFLUENCER AND CONTENT MARKETING Mochamad Malik Akbar Rohandi; Putri Fariska
Jurnal Manajemen dan Bisnis Performa Vol. 22 No. 1 (2025)
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v22i1.6828

Abstract

Technological developments necessitate that entrepreneurs continuously adapt, particularly in the context of today’s emerging e-commerce landscape. This study aims to assess the impact of influencer marketing and content marketing on purchasing decisions in e-commerce. Employing quantitative research methods, the study seeks to generalize its findings through descriptive and verification research types. The population consists of Generation Z, with non-probability purposive sampling utilized for this research, Coefficient of Determination and anova test. The results indicate that, when considered together, both influencer marketing and content marketing have a positive and significant effect on purchasing decisions in e-commerce.