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All Journal Media Ekonomi dan Manajemen Primanomics : Jurnal Ekonomi & Bisnis BERNAS: Jurnal Pengabdian Kepada Masyarakat Jurnal Riset Manajemen dan Bisnis Jurnal Atma Inovasia Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Pijar : Studi Manajemen dan Bisnis Eastasouth Journal of Effective Community Services Indonesian Journal of Sustainability Accounting and Management Sabangka Abdimas Jurnal Pengabdian Masyarakat Sabangka Jurnal Pengabdian Masyarakat Berkarya Journal Economics Technology and Entrepreneur
Budiyono, Elizabeth Fiesta Clara Shinta
Universitas Atma Jaya Yogyakarta
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Peran Literasi Keuangan, Financial Self Efficacy dan Risk Tolerance terhadap Pengambilan Keputusan Investasi (Studi Masyarakat Dewasa Muda di Provinsi Yogyakarta) Budiyono, Elizabeth Fiesta Clara Shinta
Primanomics : Jurnal Ekonomi & Bisnis Vol. 22 No. 2 (2024): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Economic growth is one of the parameters used to see the level of success of economic development, which originates from per capita income, quality of life index and human development in a country. One aspect that can support economic growth is by carrying out investment activities. Investment activities continue to be promoted at all levels of society, especially those who are currently young adults. Young adults are those who, in 2024, will belong to 3 generations at once, namely some of the Z generation and the millennial generation. Besides using rational factors in making decisions, investors often behave irrationally in their investment activities. Irrational attitudes are characterized by psychological factors such as self-efficacy and risk tolerance. This research examines the influence of financial literacy, financial self-efficacy and risk tolerance on investment decisions of young adults aged 20-42 years in Yogyakarta Province. The research method used is multiple regression testing using SPSS Ver.25. this research shows a partial or simultaneous influence on financial literacy, self-efficacy and risk tolerance on investment decisions among young adults in Yogyakarta Province. Financial literacy among the people in Yogyakarta should continue to be improved to support increased investment activities. With increasing financial literacy, investor self-efficacy will increase and influence the increase in investment. With these findings, the author provides suggestions, especially for companies operating in the field of investment product services, not only to offer investment products but also to provide education and outreach regarding existing investment assets in order to be able to increase financial literacy, self-efficacy and make it easier for investors to recognize the characteristics of assets that suit their risk tolerance.
PELATIHAN PUBLIC SPEAKING DAN PERSONAL BRANDING DI SMA SANTA MARIA YOGYAKARTA Pramusiwi, Aloysia Desy; Adyantari, Api; Budiyono, Elizabeth Fiesta Clara Shinta; Sasmita, Raymundo Patria Hayu; Pradana, Bartolomeus Galih Visnhu; Putra, Tegar Satya; Mayasari, Agatha; Aji, Mario Rosario Wisnu; Pratama, Yohanes Mario; Dharomesz, Vonezyo Yupanzara
Jurnal Pengabdian Masyarakat Berkarya Vol. 3 No. 04 (2024): Jurnal Pengabdian Masyarakat Berkarya
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/berkarya.v3i04.1213

Abstract

This community service activity aims to provide knowledge and develop abilities, as well as motivate high school students in terms of public speaking and self-imaging. This community service activity was carried out at Santa Maria High School Yogyakarta. The method of implementation is collecting initial data, analyzing problems, formulating solutions, and implementing training with a focus on improving the soft skills of the students. The results of this service, the school was very welcomed, and the students participated in the training and mentoring with great enthusiasm. As a result, the students consider that public speaking skills are important to master from an early age because these skills have many crucial benefits for their personal and professional development. Not only that but building their personal branding as early as high school is useful for positively establishing their own identity and reputation, as well as preparing them for a future in the competitive world of work. Having a good self-image can give students a leg up in securing scholarships, college places, or jobs.
Upaya Penguatan Literasi Keuangan dan Budaya Sadar Pajak untuk Pengembangan Soft Skill Siswi di SMA Santa Maria Yogyakarta Budiyono, Elizabeth Fiesta Clara Shinta; Pramusiwi, Aloysia Desy; Adyantari, Api; Sasmita, Raymundo Patria Hayu; Mayasari, Agatha; Aji, Mario Rosario Wisnu; Pratama, Yohanes Mario; Dharomesz, Vonezyo Yupanzara; Pradana, Bartolomeus Galih Visnhu; Putra, Tegar Satya
Jurnal Atma Inovasia Vol. 4 No. 6 (2024)
Publisher : Lembaga Penelitian dan Pengabdian pada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/jai.v4i6.10068

Abstract

Saat ini peningkatkan literasi keuangan dan kesadaran pajak di kalangan siswi/i adalah hal mendesak agar mereka dapat mengelola keuangan pribadi dengan bijak dan memahami peran pajak dalam pembangunan masyarakat.Program ini bertujuan untuk mengembangkan literasi keuangan dan budaya sadar pajak sebagai upaya penguatan soft skill di SMA Santa Maria Yogyakarta. Literasi keuangan yang baik sangat penting untuk mempersiapkan siswa/i dalam mengelola keuangan pribadi dan memahami pentingnya pajak dalam pembangunan negara. Melalui program edukasi yang melibatkan berbagai metode dan simulasi dimana siswi diajak untuk memahami konsep dasar keuangan dan kewajiban perpajakan. Program ini diharapkan dapat meningkatkan kesadaran siswa akan pentingnya pengelolaan keuangan yang bijak serta tanggung jawab sosial melalui pembayaran pajak. Hasil dari program pengabdian kepada masyarakat ini menunjukkan bahwa penguatan literasi keuangan dan budaya sadar pajak sangat penting dilakukan guna meningkatkan pengembangan soft skill siswa, yang pada akhirnya dapat mendukung mereka menjadi individu yang lebih bertanggung jawab dan berdaya saing di masa depan. Dengan demikian, integrasi pendidikan literasi keuangan dan pajak menjadi langkah strategis dalam mencetak generasi muda yang cerdas dan sadar akan kewajiban mereka di kemudian hari.
Membangun Jiwa Wirausaha Pelajar: Pendampingan Penyusunan Business Plan Berbasis Business Model Canvas dan SWOT Matrix Budiyono, Elizabeth Fiesta Clara Shinta; Aji, Mario Rosario Wisnu
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 2 (2025)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jb.v6i2.12795

Abstract

Kemampuan menyusun business plan yang sistematis menjadi keterampilan penting bagi siswa dalam menghadapi tantangan kewirausahaan dan kompetisi. Fakultas Bisnis dan Ekonomika Universitas Atma Jaya Yogyakarta (FBE UAJY) melaksanakan program pengabdian masyarakat di SMA Negeri 1 Bantul, Yogyakarta, dengan tema “Transformasi Ide Menjadi Peluang: Pendampingan dan Pelatihan Business Plan dengan Metode Analisis Bisnis Lainnya bagi Pelajar SMAN 1 Bantul, Yogyakarta.” Program ini dirancang untuk mempersiapkan siswa menghadapi Festival Inovasi Kewirausahaan Siswa Indonesia (FIKSI) 2025 serta memberikan bekal untuk mengaplikasikan konsep kewirausahaan dalam kehidupan sehari-hari. Kegiatan ini terbagi dalam dua sesi, yaitu teori dan praktik. Sesi teori memberikan materi tentang Business Model Canvas (BMC), serta analisis SWOT. Sesi praktik melibatkan penyusunan business plan secara langsung, mulai dari penggalian ide hingga presentasi, dengan bimbingan intensif dari tim FBE UAJY. Selain meningkatkan pemahaman siswa, kegiatan ini mengasah kreativitas, kemampuan analitis, dan kerja tim. Program ini memberikan manfaat signifikan bagi siswa dalam mempersiapkan diri untuk kompetisi dan menumbuhkan jiwa wirausaha. Melalui program ini, FBE UAJY berkontribusi dalam menciptakan generasi muda yang kompeten dan meningkatkan kualitas pendidikan kewirausahaan di lingkungan masyarakat
The Valuation of Environmental, Social, and Governance Banking: Evidence from Sri Kehati Index, Indonesia Yohanes Mario Pratama; Elizabeth Fiesta Clara Shinta Budiyono; Mario Rosario Wisnu Aji
Indonesian Journal of Sustainability Accounting and Management Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28992/ijsam.v8i1.856

Abstract

This study aims to provide a fair price valuation of banking shares indexed in SRI-KEHATI as a consideration to investors, the public, and other banks regarding the long-term potential of banks that have implemented ESG. The methodology in this research uses the Discounted Cash Flow method with the Free Cashflow to Equity (FCFE) approach and the Relative Valuation method with the Price to Earnings Ratio (PER) and Price Book Value (PBV) approaches in optimistic, moderate, and pessimistic scenarios. This research focused on five banks indexed in SRI-KEHATI, projecting their fair values under three scenarios. The value of the study is in the optimistic scenario; all banks are projected to be in an undervalued position compared to prices in the capital market. In the moderate and pessimistic scenarios, the condition of the intrinsic value compared to the market value differs between banks. The results of this research can be used by investors and companies to evaluate the performance and value of green banking stocks in Indonesia listed on the SRI-KEHATI index because there is no previous research that has examined the valuation of green banking stocks within the SRI-KEHATI index in Indonesia.
INVESTASI DI ERA GENERASI Z : ANALISIS GENDER DAN PERSEPSI RISIKO SEBAGAI FAKTOR PENGAMBILAN KEPUTUSAN Budiyono, Elizabeth Fiesta Clara Shinta; Tololiu, Gabriella Christie
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.4888

Abstract

Globalisasi dewasa ini menyebabkan munculnya fenomena sosial salah satunya sikap konsumerisme. Daerah Istimewa Yogyakarta merupakan salah satu provinsi dengan budaya konsumerisme yang cukup tinggi dan berasal dari kegiatan pengeluaran bukan dari produk makanan. Salah satu kegiatan yang mampu mengurangi tingkat konsumtif individu adalah investasi. Kegiatan investasi di Yogyakarta diharapkan meningkat dengan bantuan Generasi Z. Meskipun demikian, kegiatan berinvestasi oleh generasi Z perlu memperhatikan beberapa faktor salah satunya adalah pertimbangan rasional dan irasional. Faktor irasional/psikologis yang menentukan kegiatan investasi generasi Z adalah bagaimana persepsi individu terhadap risiko aset investasinya. Persepsi risiko mempengaruhi pengambilan keputusan investasi seseorang. Hal menarik dari persepsi risiko adalah, adanya perbedaan antara persepsi risiko individu bergender laki-laki dan Perempuan. Penelitian ini bertujuan untuk melihat pengaruh persepsi risiko terhadap keputusan investasi dengan gender sebagai pemoderasi pada generasi-Z di Daerah Istimewa Yogyakarta. Penelitian ini menggunakan metode kuantitatif dan data disebarkan melalui kuesioner yang kemudian di olah pada SPSS versi 25. Sampel pada penelitian ini adalah sebanyak 125 responden. Dari pengolahan yang dilakukan didapatkan hasil bahwa dalam melakukan pengambilan keputusan berinvestasi, generasi Z dipengaruhi oleh persepsi risiko terhadap aset yang dipilihnya. Selain itu, gender juga secara signifikan menjadi variabel yang memperkuat pengaruh persepsi risiko dan keputusan investasi pada kalangan generasi Z di Yogyakarta. Harapannya dengan adanya peningkatan keputusan investsi dengan pemahaman risiko aset pada aset investasi, maka konsumerisme pada generasi Z dapat diatasi.
STUDY OF FINANCIAL TECHNOLOGY: THE INFLUENCE OF RISK PERCEPTION, FINANCIAL LITERACY, AND TRUST ON INVESTMENT DECISION Setiadi, Niklaus Serafino; Budiyono, Elizabeth Fiesta Clara Shinta
Journal Economics Technology And Entrepreneur Vol 4 No 04 (2025): ECOTECHNOPRENEUR : JOURNAL ECONOMICS, TECHNOLOGY AND ENTREPRENEUR
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/ecotechnopreneur.v4i04.1820

Abstract

The rapid advancement of technology in the 21st century has significantly transformed daily life, including the development of Indonesia’s technology-based financial industry known as financial technology (Fintech). Generation Z increasingly utilizes Fintech platfor ms for investment activities. This study aims to analyze the influence of risk perception, financial literacy, and trust on investment decision-making among Generation Z in Yogyakarta. The research employed a correlational design with multiple regression analysis to examine the relationships between variables. Data wer collected through a structured questionnaire consisting of 36 items, with 240 respondents participating, exceeding the minimum required sample size. Data analysis was conducted using SPSS versi 25. The findings indicate that risk perception has a significant negative effect on investment decisions, while financial literacy positively influences informed decision-making. Trust in Fintech platforms also plays a crucial role in encouraging investment participat ion. This study importance of enhancing financial education & trust to support sustainable  behavior among Generation Z in the digital era.
Digital Customer Protection: Mediator between Mobile Money Usage and Financial Inclusion Budiyono, Elizabeth Fiesta Clara Shinta; Sukamulja, Sukmawati
Media Ekonomi dan Manajemen Vol 38, No 1 (2023): January 2023
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/mem.v38i1.3374

Abstract

The development of technology in the 5.0 era, marked by the increase in internet usage, currently impacts people's habits in accessing financial services, such as mobile money usage. Therefore, it aligns with the government's vision to increase financial inclusion through mobile money usage to reduce poverty. However, Yogyakarta Province is a province with a poverty rate that exceeds the national average, and it is the highest in the Java region. In this regard, digital customer protection needs to be considered because mobile money usage carries a high risk to the security and privacy of user data. Therefore, this study aims to determine the role of digital customer protection in mediating mobile money usage and financial inclusion in productive age communities in Yogyakarta. This study applies the Sobel test by Baron and Kenny and the process method by Hayes. The result of this study shows that digital customer protection significantly mediates mobile money usage towards financial inclusion partially in productive age communities in Yogyakarta Province. With these results, it is expected that all parties should work together to increase mobile money usage to reduce poverty and help the government to achieve the welfare of the community.
Co-Authors Adyantari, Api Agatha Mayasari Astrie Krisnawati Bartolomeus Galih Visnhu Pradana Dewangga Pramudita, Dismas Persada Kinanthi, Enggar Sukma Mario Rosario Wisnu Aji Mario Rosario Wisnu Aji Mayasari, Agatha Pramusiwi, Aloysia Desy Putra, Tegar Satya Sasmita, Raymundo Patria Hayu Setiadi, Niklaus Serafino Sukmawati Sukamulja Tololiu, Gabriella Christie Visnhu Pradana, Bartolomeus Galih Vonezyo Yupanzara Dharomesz Yohanes Mario Pratama