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All Journal Jurnal Ekonomi Kuantitatif Terapan Journal of Economics, Business, & Accountancy Ventura JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN AKRUAL: Jurnal Akuntansi Jurnal Equity Jurnal Bisnis dan Akuntansi Spektrum Sipil Navigation Physics : Journal of Physics Education Jurnal Ilmiah Wahana Pendidikan BISMA (Bisnis dan Manajemen) Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Jurnal Akuntansi dan Keuangan Indonesia International Journal of Community Service (IJCS) International Journal of Emerging Research and Review Equity Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis KREATIF: Jurnal Pengabdian Masyarakat Nusantara
Ika Permatasari
Universitas Negeri Surabaya
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Journal : International Journal of Community Service (IJCS)

 1 
The Mindset Change of a Saving Paradigm in to an Investment Paradigm: A Managing Finance for Indonesian Students in the Philippines Permatasari, Intan Kurnia; Permatasari, Ika; Laksono, Bayu Rama; Putikadea, Insyirah
International Journal of Community Service (IJCS) Vol. 4 No. 1 (2025): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v4i1.1178

Abstract

The purpose of this community service activity is to introduce the latest investment instrument products to the public, especially Indonesian students in the Philippines, on the importance of financial literacy knowledge in improving financial management skills through investment instruments. This is important to do considering that investment is a provision for students in terms of financial management, so that during the study abroad period students can manage finances wisely and have a long-term thinking orientation. If supported by strong financial planning and adequate management skills, then development constraints for the long term in terms of finance will be optimally mitigated. The method used in achieving this goal is training on the introduction of investment instruments and how to choose investment instruments, how to transact in investment, how to determine which investments are good and bad, investment strategies, and maintaining the psychological stability of an individual investor. The evaluation results showed that 90% of the training participants agreed that during the training the students gained new insights on how to invest and helped the students understand the importance of managing finances well. This community service activity received a positive response and motivated participants to be more actively involved in increasing their interest in investment. A total of 98% of participants were interested in investing. Of the 98% who were interested in investing, 40% chose mutual funds as their investment instrument, 19% chose stocks, 17% chose bonds, 5% chose property, 2% chose crypto, and the remaining 17% had yet to decide which investment instrument to choose. The recommendation given to students to advance their understanding of investment is that students are expected to set aside 10-20% of their pocket money every month for low to medium risk investments, such as mutual funds, deposits, or precious metals.
Investment Literacy as a Strategy to Enhance Financial Independence and Economic Resilience among Academicians in Thailand Putikadea, Insyirah; Permatasari, Ika; Laksono, Bayu Rama; Permatasari, Intan Kurnia
International Journal of Community Service (IJCS) Vol. 4 No. 2 (2025): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v4i2.1630

Abstract

The recent trends in the global financial instruments provide innovation as well as diversification. The digitalisation of finance has made investment opportunities more accessible, but simultaneously brought new problems, especially to retail investors who might lack the financial literacy to assess the risks of the market and identify fraudulent investment offerings. However, the lack of understanding of financial management and investment practices also happens among academics. This study aims to strengthen investment literacy for creating a base of financial independence and economic well-being among the students and lecturers of the Institute of Science, Culture, and Innovation at Rajamangala University of Technology Krungthep (RMUTK) in Thailand. Using a participatory framework, the project was developed in five consecutive steps: problem identification, reference and gap analysis, solution design, implementation, and evaluation. The results indicated that there was a significant improvement in the knowledge and awareness of the participants about financial and investment concepts, most importantly ability to distinguish between savings and investments and the understanding of such investment instruments such as mutual funds, bonds, exchange-traded funds (ETFs), and digital assets. Further, it showed increased confidence in the students and lecturers regarding their personal finance management and their distribution of income to investment.
Co-Authors Adrianus Dhimas Setyanto Alvin Rizani Amirul Arif Amirusholihin Amirusholihin Andianti, Putri Wihatma Ariel Rendra Pratama Bambang Supriadi Bayu Rama Laksono Budiana, Santi Cahyani, Selvi Regita Cantika Sari Siregar Dhita Berliana Tri Rahmawati Rawi Dian Anita Nuswantara Dian Puspitasari Durinda Puspasari Dwi Wulandari Dwi Wulandari Dwiarko Nugrohoseno Eniarti, Miko Fahrullah, A’rasy Febriyanti, Melisa Putri Filqy Nur Lailiyah Fresha Kharisma Hadi Sumarsono Hariyadi, Hariyadi Harlina Meidiaswati Hendry Cahyono Insyirah Putikadea Irawati , Winaika Irawati, Winaika Jauhar Fajrin, Jauhar LUCKY RACHMAWATI Maryani Maryani Mnassri, Yasmine Nindria Untarini Ningrum, Tika Widiya Pathurahman, Pathurahman Permatasari, Intan Kurnia Putri Ulfa Kamalia Pyrenia, Adisty Rendra Arief Hidayat Retno Novitasary Silvira, Lia Suci Rohayati Suparjo Untarini , Nindria Widya Exsa Marita, Widya Exsa Wihara, Dhiyan Septa Wulandari, Pria Nur