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All Journal JURNAL LENTERA AKUNTANSI Majalah Ilmiah Inspiratif Jurnal Pengabdian Bukit Pengharapan Jurnal Bisnis Kreatif dan Inovatif Jurnal Ekonomi, Akuntansi dan Perpajakan Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Jurnal Strategi Bisnis Teknologi Jurnal Pemimpin Bisnis Inovatif Jurnal Transformasi Bisnis Digital
Patricia Dhiana Paramita
Universitas Pandanaran
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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PELATIHAN “ LETS START YOUR LIFE WITH PASSIVE INCOME : STOCK INVESTMENT “ BAGI MAHASISWA WARGA KELURAHAN PLAMONGANSARI KOTA SEMARANG Patricia Dhiana Paramita; Arditya Dian Andika; Sauca Ananda Pranidana
Majalah Ilmiah Inspiratif Vol 9, No 17 (2023): Majalah Ilmiah Inspiratif Juli 2023
Publisher : Universitas Pandanaran

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

Abstract

Dewasa ini adanya berbagai tuntutan hidup yang semakin kompleks melandasi masyarakat mulai berpikir untuk melakukan berbagai terobosan dalam memperoleh penghasilan agar dapat memenuhi kebutuhan hidupnya. Pertimbangannya adalah mereka tetap memiliki penghasilan dari pekerjaaan yang sudah dimilikinya, dan di sisi lainnya mereka dapat mengharapkan akan menerima return dari aktivitas lainnya yang dapat memberikan pemasukan juga, atau lebih dikenal dengan passive income.Passive income merupakan income yang akan diperoleh meskipun seseorang sudah berhenti dalam menjalani pekerjaannya, karena income tersebut akan tetap tumbuh dan berkembang meskipun seseorang tidak lagi memiliki suatu usaha. Bilamana passive income ini dapat dikelola dengan bak dan konsisten, akan dapat menjadi sumber pendapatan bagi masyarakat disamping active income yang didapatkan karena bekerja setiap bulannya.Berlatar belakang adanya insiatif dari golongan mahasiswa yang bertempat tinggal di Kelurahan Plamongansari Kecamatan Pedurungan Kota Semarang untuk mempelajari lebih dalam tentang kegiatan passive income, agar dapat membuka peluang bagi mereka untuk membantu perekonomian keluarga, maka bak gayung bersambut tim pengabdian dari Universitas Pandanaran pun yang digawangi oleh beberapa dosen melakukan kegiatan pengabdian masyarakat bagi para mahasiswa yang bertempat tinggal di kelurahan tersebut. Alasan mengapa membidik sasaran mahasiswa dulu untuk melakukan pelatihan tentang passive income, dikarenakan adanya pertimbangan bahwa kedepannya golongan mahasiswa tersebu nantinya diharapkan akan dapat menularkan pengetahuan tentang passive income tersebut bagi warga lainnya.Dari investigasi awal yang telah dilakukan oleh tim pengabdian masyarakat dari Universitas Pandanaran Semarang, diperoleh informasi bahwa kegiatan pelatihan tentang passive income terutama saham, masih minim dilakukan oleh berbagai pihak yang terkait, padahal dengan melihat taraf hidup secara ekonomi sebagian besar warga di Kelurahan Plamongansari yang ada di atas rata-rata, mereka dapat menjadi investor potensial untuk menjalankan kegiatan passive income, khususnya melakukan investasi saham. Pelatihan investasi saham ini diharapkan akan membawa cakrawala baru bagi warga di Kelurahan Plamongansari bahwa ada opsi kegiatan yang dapat memberikan return yang memadai yang akan dapat meningkatkan pendapatan bagi warga, yaitu dengan melakukan investasi saham. Perlu dilakukan pembinaan, pelatihan dan pendampingan secara intensif tentang investasi saham ini agar pengetahuan dan kemampuan warga, khususnya golongan mahasiwa menjadi lebih semakin baik.Ke depannya agar tujuan untuk memberikan pembelajaran dan meningkatkan passive income bagi warga di  Kelurahan Plamongansari ini dapat tercapai dengan baik, perlu menggandeng berbagai pihak untuk memberikan pendampingan, seperti dari IDX (Indonesian Stock Exchange) dan edukator dari berbagai platform trading yang jumlahnya semakin menjamur belakangan ini. Kata kunci : passive income, investasi saham Today there are various increasingly complex life demands that underlie people to start thinking about making various breakthroughs in obtaining income so that they can fulfill their daily needs. The consideration is that they still have income from the job they already have, and on the other hand they can expect to receive returns from other activities that can provide income as well, or better known as passive income.Passive income is income that will be earned even though a person has stopped doing his job, because this income will continue to grow and develop even though a person no longer has a business. If this passive income can be managed properly and consistently, it will be a source of income for the community in addition to the active income that you get from working every month.Against the backdrop of an initiative from a group of students residing in Plamongansari Village, Pedurungan District, Semarang City to learn more about passive income activities, in order to open up opportunities for them to help their family's economy, then the dedication team from Pandanaran University is like a tit for welcome. several lecturers carry out community service activities for students who live in this kelurahan. The reason why targeting students first is to conduct training on passive income, because there is a consideration that in the future these student groups are expected to be able to transmit knowledge about passive income to other residents.From the initial investigation that was carried out by the community service team from Pandanaran University, Semarang, information was obtained that training activities on passive income, especially stocks, were still minimally carried out by various parties involved, even though by looking at the economic standard of living most of the residents in the existing Plamongansari Village above average, they can become potential investors to carry out passive income activities, especially investing in stocks. It is hoped that this stock investment training will bring new horizons to residents in Plamongansari Village that there are activity options that can provide adequate returns that will increase income for residents, namely by investing in stocks. It is necessary to carry out intensive coaching, training and assistance regarding this stock investment so that the knowledge and abilities of the residents, especially the student group, are getting better and better.In the future, so that the goal of providing learning and increasing passive income for residents in Plamongansari Village can be achieved properly, it is necessary to collaborate with various parties to provide assistance, such as from IDX (Indonesian Stock Exchange) and educators from various trading platforms whose numbers are increasingly mushrooming lately.  Keywords: passive income, stock investment
PENGARUH LITERASI KEUANGAN, PENDAPATAN, DAN TOLERANSI RISIKO TERHADAP PERILAKU KEUANGAN DAN DAMPAKNYA PADA KEPUTUSAN INVESTASI : STUDI KASUS GEERASI Z KOTA SEMARANG Patricia Dhiana Paramita; Daniel Kartika Adhi; Nurkholik Nurkholik; Heru Sri Wulan; Izza Nisa’ul Afi
JURNAL LENTERA AKUNTANSI Vol. 10 No. 2 (2025): JURNAL LENTERA AKUNTANSI, November 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrakt.v10i2.2016

Abstract

As a digitally savvy generation, Gen Z plays an increasingly significant role in Indonesia's capital markets, now comprising more than half of its investor base. This study applies a behavioral finance perspective to examine how financial knowledge and psychological traits influence investment outcomes. The objective of this study is to explore the impact of financial literacy, income, risk tolerance, and financial behavior on investment decisions among Generation Z in Semarang City. A quantitative approach  was used, with data collected  from 110 Gen  Z investors selected through purposive sampling. Respondents completed an online questionnaire measured on a five-point Likert scale, and the data were analyzed using SPSS. The analysis results show that financial literacy, income, risk tolerance, and financial behavior all have a positive and significant influence on investment decisions. This is supported by a significance value below 0.05 and a t-value above the critical value of 1.98260. Further analysis using the Sobel test evaluated the mediating role of financial behavior. The test produced a Z-score below the significance threshold of 1.96, indicating no significant mediation in  the tested  relationship. Thus,  although financial  behavior directly influences investment decisions, it does not mediate the influence of financial literacy, income, or risk tolerance. These findings highlight that financial literacy, income, and risk tolerance are the main factors shaping Generation Z's investment behavior, with financial behavior acting more as an outcome than an intermediary in this context.
PELATIHAN EARN MONEY MAKER FOR ANDROID UNTUK PENINGKATKAN PASSIVE INCOME BAGI WARGA KELURAHAN JATIREJO KECAMATAN GUNUNGPATI KOTA SEMARANG Patricia Dhiana Paramita; Nurkholik Nurkholik
Jurnal Pengabdian Bukit Pengharapan Vol. 6 No. 1 (2026)
Publisher : LPPM Institut Teknologi dan Bisnis Kristen Bukit Pengarapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61696/jurdian.v6i1.1284

Abstract

This community service activity was conducted to implement the partnership between Universitas Pandanaran and the Gunungpati District administration in Semarang City. Specifically, the initiative aimed to shift residents' mindsets—encouraging them not to rely solely on formal employment for income but to also consider using Android-based smartphones to generate passive income. The activity was held in two sessions, on July 5 and July 12, 2026. Overall, the event proceeded successfully and received a positive response from the residents.
Pengaruh Efisiensi Aset, Profitabilitas, dan Margin Laba terhadap Nilai Perusahaan dengan Kinerja Laba sebagai Moderasi pada Industri Kertas BEI 2012–2024 Annisa Maharani; Daniel Kartika Adhi; Patricia Dhiana Paramita
Jurnal Ekonomi, Akuntansi, dan Perpajakan Vol. 3 No. 2 (2026): Mei : Jurnal Ekonomi, Akuntansi, dan Perpajakan (JEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jeap.v3i2.2583

Abstract

Every business entity is established to maximize profit and increase firm value. Firm value reflects a company’s financial performance and can be evaluated through various financial indicators. This study aims to examine the effect of asset efficiency, profitability, and profit margin on firm value, with earnings performance as a moderating variable. The research sample consists of paper industry sub-sector companies listed on the Indonesia Stock Exchange (IDX) during 2012–2024. Data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results indicate that asset efficiency has no significant effect on firm value. In contrast, profitability and profit margin have positive and significant effects on firm value. Earnings performance strengthens the relationship between asset efficiency and firm value as well as between profitability and firm value. However, earnings performance weakens the relationship between profit margin and firm value. These findings provide insights for companies and investors in improving financial performance and making investment decisions.
Pengaruh Skala Usaha, Pengetahuan Akuntansi dan Modal Usaha terhadap Keberhasilan Usaha Dimoderasi Penggunaan Sistem Akuntansi : Studi Kasus di UMKM Ungaran Kabupaten Semarang Asfaraningrum Pahlawanita Fajri; Patricia Dhiana Paramita; Dyah Ika Kirana Jalantina
Jurnal Ekonomi, Akuntansi, dan Perpajakan Vol. 3 No. 2 (2026): Mei : Jurnal Ekonomi, Akuntansi, dan Perpajakan (JEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jeap.v3i2.2584

Abstract

UMKM in Ungaran, Semarang Regency, are experiencing a challenging development, with minimal use of accounting information systems. This impacts the success of their businesses, which often fluctuate. This study aims to determine the impact of business scale, accounting knowledge, and business capital on business success, moderated by the use of an accounting system for UMKM. The study population consisted of 161 UMKM. Purposive sampling was used, with sample size adjusted to specific criteria based on the research objectives, resulting in a sample size of 62 UMKM. Data analysis techniques used were multiple linear regression or Two-Stage Least Squares (2SLS) and Moderated Regression Analysis (MRA). The results indicate that business scale, accounting knowledge, and business capital have a positive and significant effect on UMKM business success. Business scale, accounting knowledge, and business capital simultaneously strengthen business success. The use of an accounting system strengthens the influence of business scale, accounting knowledge, and business capital on business success.
Pengaruh NPM, DAR, dan QR terhadap Financial Distress Dimoderasi Kepemilikan Institusional pada Perusahaan Transportasi dan Logistik di IDX Tahun 2021-2025 Eva Dwi Riyanti; Daniel Kartika Adhi; Patricia Dhiana Paramita
Jurnal Ekonomi, Akuntansi, dan Perpajakan Vol. 3 No. 2 (2026): Mei : Jurnal Ekonomi, Akuntansi, dan Perpajakan (JEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jeap.v3i2.2585

Abstract

The transportation and logistics sector experienced significant pressure due to the COVID-19 pandemic and entered a recovery process during the 2021-2025 period, although pressure on financial performance has continued. This study aims to analyze the effect of Net profit margin (NPM),Debt to assets ratio (DAR), and Quick ratio (QR) on financial distress, as well as to examine institutional ownership as a moderating variable. This study employs a quantitative approach using secondary data from the financial statements of transportation and logistics sub-sector companies listed on the Indonesia Stock Exchange (IDX) during the 2021-2025 period. Out of a population of 41 companies, 14 companies were selected as the sample through purposive sampling. Financial distress is measured using the modified Altman Z-Score model, with data analyzed through Multiple Linear Regression and Moderated Regression Analysis (MRA). The results indicate that NPM and QR have a significant positive effect on financial distress, suggesting that an increase in profitability and liquidity plays an important role in raising the Altman Z-Score value, while DAR has a significant negative effect, indicating that a higher leverage level leads to a greater decline in the Altman Z-Score. Institutional ownership is proven to strengthen the effect of NPM and QR, while weakening the effect of DAR on financial distress. The findings of this study are expected to provide insights for companies in mitigating the risk of financial distress through optimizing financial performance, as well as serve as a consideration for investors in making investment decisions.
Pengaruh Leverage, Rasio Pasar, dan Book Value terhadap Laba Sebelum Pajak dengan Profitabilitas sebagai Moderasi pada Teknologi Elektronik BEI 2018–2025 Lidwina Tri Kristina Zebua; Nurkholik Nurkholik; Patricia Dhiana Paramita
Jurnal Ekonomi, Akuntansi, dan Perpajakan Vol. 3 No. 2 (2026): Mei : Jurnal Ekonomi, Akuntansi, dan Perpajakan (JEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jeap.v3i2.2586

Abstract

Every company aims to achieve optimal profit and maintain business sustainability in the long term. Earnings before tax is an important indicator of financial performance because it reflects a company’s ability to generate profit before tax expenses. This study aims to examine the effect of leverage, market ratio, and book value on earnings before tax, with profitability as a moderating variable. The research sample consists of technology companies in the electronics sub-sector listed on the Indonesia Stock Exchange (IDX) during 2018–2025. The data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results indicate that leverage, market ratio, and book value significantly affect earnings before tax. Profitability strengthens the effect of market ratio on earnings before tax, but does not moderate the effects of leverage and book value on earnings before tax. These findings provide useful information for companies in evaluating financial performance and may serve as a consideration for investors in making investment decisions.
Pengaruh Pendapatan, Literasi Keuangan dan Aksesibilitas terhadap Pengguna Pinjaman Online dengan Sikap terhadap Risiko sebagai Variabel Intervening Onnei Isti Cigareta; Patricia Dhiana Paramita; Daniel Kartika Adhi
Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak Vol. 3 No. 2 (2026): Juni : Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jieap.v3i2.2587

Abstract

This study aims to analyze the effect of income, financial literacy, and accessibility on the use of online loans, with risk attitude as an intervening variable among Generation Z in Grobogan Regency. This research employs a quantitative approach using a survey method involving 100 Generation Z respondents aged 17–28 years who have used online loan services. The respondents were selected through purposive sampling based on predetermined criteria. Data were collected using questionnaires and analyzed using multiple linear regression with IBM SPSS and path analysis to examine both direct and indirect relationships among the variables. The results indicate that income, financial literacy, and accessibility have positive and significant effects on risk attitude. Furthermore, income, financial literacy, and accessibility also have positive and significant effects on the use of online loans. However, risk attitude is not proven to significantly mediate the effects of income, financial literacy, and accessibility on the use of online loans. These findings suggest that online loan usage among Generation Z in Grobogan Regency is more strongly influenced by the direct effects of income, financial literacy, and accessibility than by risk attitude as an intervening variable. The study provides insights into the factors influencing online loan usage among young consumers.
Pengaruh NPM, DER, dan CR terhadap (ICR) dengan Ukuran Perusahaan sebagai Pemoderasi pada Perusahaan Makanan dan Minuman Periode 2020 – 2024 Luthfi Alifah; Patricia Dhiana Paramita; Dyah Ika Kirana Jalantina
Jurnal Bisnis Kreatif dan Inovatif Vol. 3 No. 2 (2026): Juni: Jurnal Bisnis Kreatif dan Inovatif
Publisher : Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jubikin.v3i2.1660

Abstract

This study aims to analyze the effect of Net Profit Margin (NPM), Debt to Equity Ratio (DER), and Current Ratio (CR) on the Interest Coverage Ratio (ICR) as an indicator of financial distress, with firm size as a moderating variable. This quantitative study uses secondary data obtained from food and beverage sub-sector manufacturing companies listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. Using purposive sampling, 16 companies were selected, resulting in a total of 80 observations. The data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA) to examine both the direct and moderating effects of the variables. The results show that NPM, DER, and CR have a positive and significant effect on ICR. Furthermore, firm size strengthens the effects of NPM, DER, and CR on ICR. These findings indicate that higher profitability, effective debt management, and stronger liquidity contribute to improving a company’s ability to meet its interest obligations. In addition, larger firms tend to have greater resources and financial stability, enabling them to manage financial risks more effectively. Thus, improving financial performance and maintaining an adequate firm size can enhance interest-paying capacity and reduce the potential risk of financial distress.
Pengaruh Inklusi Keuangan, Financial Technology dan Teman Sebaya terhadap Perilaku Menabung dimediasi Kontrol Diri pada Pekerja Muda di Kecamatan Tembalang Rohma Niyyen; Patricia Dhiana Paramita; Leonardo Budi Hasiholan
Jurnal Transformasi Bisnis Digital Vol. 3 No. 4 (2026): Juli: Jurnal Transformasi Bisnis Digital (JUTRABIDI)
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jutrabidi.v3i4.1696

Abstract

This research aims to analyze the influence of financial inclusion, financial technology, and peer influence on saving behavior, with self-control serving as a mediating variable among young workers aged 20–30 years in Tembalang District, Semarang City. This study employed a quantitative approach using a purposive sampling technique involving 100 respondents. Data were collected through questionnaires and analyzed using multiple linear regression and path analysis with SPSS version 25. The results indicate that financial inclusion, financial technology, and peer influence have a positive and significant effect on both self-control and saving behavior. Self-control also has a positive and significant effect on saving behavior. However, self-control was not able to mediate the effects of financial inclusion, financial technology, and peer influence on saving behavior because the indirect effects were smaller than the direct effects. Therefore, the saving behavior of young workers is influenced more directly by the level of financial inclusion, the use of financial technology, and peer influence than through self-control.
Co-Authors Annisa Maharani Arditya Dian Andika Asfaraningrum Pahlawanita Fajri Azis Fathoni Cicik Harini Daniel Kartika Adhi Daniel Kartika Adhi Dyah Ika Kirana Jalantina Eva Dwi Riyanti Heru Sri Wulan Izza Nisa’ul Afi Leonardo Budi Hasiholan Lidwina Tri Kristina Zebua Luthfi Alifah Nadiya Aulia Putri Nilam Sari Ninda Rahmawati Nurkholik Nurkholik Nurkholis Majid Onnei Isti Cigareta Rohma Niyyen Sauca Ananda Pranidana