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All Journal SENTRALISASI Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Pengabdian UNDIKMA Jurnal Applied Research in Management and Business Review of Management, Accounting, and Business Studies PENG: Jurnal Ekonomi dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Journal of Current Studies in SDGs Journal of Current Studies in SDGs
Naili Amalia
Universitas Slamet Riyadi
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Pengaruh Literasi Keuangan, Risk Tolerance, Financial Technology, dan Loss Aversion Bias Terhadap Investment Decision(Studi Empiris pada Mahasiswa Universitas Slamet Riyadi Surakarta pada Tahun 2024-2025) Jessica Empria Aircondita; Naili Amalia
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/znp15z68

Abstract

This study aims to analyze the influence of financial literacy, risk tolerance, financial technology, and loss aversion bias on investment decisions among students at Slamet Riyadi University, Surakarta. The study is motivated by the growing trend of investment among students, which is increasingly supported by easy access to information and financial technology. However, this ease of access has not always been accompanied by the ability to make sound investment decisions. The research method used was quantitative, with primary data obtained through a questionnaire administered to 100 respondents using purposive sampling. The research instruments were tested for validity and reliability. Classical assumption tests included the following: normality test, multicollinearity test, autocorrelation test, heteroscedasticity test, t-test, F-test, and R² test. The results of the validity and reliability tests indicate that all statements regarding the influence of financial literacy, risk tolerance, financial technology, and loss aversion bias were found to be valid with a significance level of < 0.05, and all variables were reliable with a Cronbach’s Alpha value > 0.60. The regression analysis yielded the equation Y = 0.168 + 0.293X₁ − 0.144X₂ + 0.137X₃ + 0.817X₄ + e. The t-test results show that financial literacy, financial technology, and loss aversion bias have a significant positive effect on investment decisions. However, risk tolerance has a significant negative effect on investment decisions.
Pengaruh Persepsi Risiko, Perilaku Keuangan, dan Pengetahuan Investasi Terhadap Keputusan Investasi pada Generasi Z di Kota Surakarta Dewanti Tri Buana; Naili Amalia
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari-maret, Circular Economy and Green Innovation for Sustainable Business D
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/708p0x25

Abstract

This study aims to analyze the influence of risk perception, financial behavior, and investment knowledge on investment decisions among Generation Z in Surakarta City. This research employed a quantitative approach using a survey method with 75 respondents. Data were analyzed using multiple linear regression with the assistance of SPSS. The results indicate that risk perception, financial behavior, and investment knowledge significantly affect investment decisions. The adjusted R² value of 0.801 implies that 80,1% of the variation in investment decisions can be explained by the three independent variables, while the remaining 19,1% is influenced by other variables outside the research model. This study supports Kahneman’s Prospect Theory and the Theory of Planned Behavior, which explain that risk perception, attitudes, and knowledge shape individual investment behavior. The findings are expected to provide practical contributions for young investors, regulators, and capital market practitioners in designing financial literacy programs and effective investment strategies.
Strengthening Risk Management Capacity through ISO 31000-Based Assistance and Risk Register Development: A Case Study of Idola Cookies MSME Naili Amalia; Ida Ayu Fatmayuni; Muhammad Luthfi Hamdani
Jurnal Pengabdian UNDIKMA Vol. 7 No. 4 (2026): November (IN PRESS)
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v7i4.23034

Abstract

Idola Cookies, a bakery micro, small, and medium-sized enterprise (MSME) in Jatimulyo Village, Klaten, Indonesia, shifted from a made-to-order business model to supplying 2,000–3,000 loaves per product type in each production cycle for the Free Nutritious Meals (MBG) program, while also fulfilling seasonal demand during Ramadan. This expansion increased the business's exposure to risks associated with production capacity, workforce availability, equipment, raw material supplies, product quality, food safety, and cash flow. However, the owner had no prior knowledge or experience in implementing a formal risk management framework. This community service program aims to introduce risk management principles and strengthen the MSME's capacity to manage business risks through hands-on assistance in developing a risk register based on ISO 31000:2018. The program involved introducing risk management principles, assisting the owner in establishing the business context and risk criteria, identifying risk sources and events, analysing and evaluating risks, and formulating appropriate risk treatment strategies. Program evaluation was conducted through observation, interviews, and an assessment checklist to assess partner participation, understanding, and the completeness of the resulting risk register. Data were analysed descriptively and qualitatively, while risk levels were determined using a 5 × 5 likelihood–impact matrix. The program resulted in a risk register documenting 18 risks across eight categories, comprising six very high, eight high, and four medium risks. Five risk treatment strategies were formulated: avoidance, reduction, transfer, deferral, and retention, with risk reduction emerging as the predominant strategy. The resulting risk register provides an initial practical framework for incorporating risk considerations into routine business decisions and promoting more systematic business management.
Co-Authors Aaliyah May Zannah Deva Novia Arinta Dewanti Tri Buana Ida Ayu Fatmayuni Jessica Empria Aircondita Marjam Desma Rahadhini Miftakhul Nur Janah Muhammad Luthfi Hamdani Mutya Paramita Pratitab Rina Wulandari Safira Nur Annisa Sunarso Sunarso