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All Journal JURNAL LENTERA AKUNTANSI Fokus Abdimas
Daniel Kartika Adhi
Sekolah Tinggi Ilmu Ekonomi Pelita Nusantara
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Pelatihan Pengelolaan Risiko Koperasi dalam Meningkatkan Kapasitas Pengurus dan Anggota Koperasi Merah Putih Daniel Kartika Adhi; Panca Wahyuningsih; Nurrohmi Ambar Tasriastuti
Fokus ABDIMAS Vol. 5 No. 1 (2026): April 2026
Publisher : STIE Pelita Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/w7gvmz49

Abstract

This community service activity aims to enhance the understanding and capacity of cooperative managers and members in risk management. The activity was conducted in the form of a workshop using a participatory approach at the Sekolah Tinggi Ilmu Ekonomi (STIE) Pelita Nusantara on April 8, 2026, with a total of 30 participants. The methods employed included lectures, interactive discussions, case studies, and simulations. Evaluation was carried out through pre-tests and post-tests to measure the improvement in participants' understanding. The results showed an increase in the average score from 6.10 to 11.80, representing a percentage increase of 93.44% and an N-Gain value of 0.64. Statistical tests indicated that this improvement was significant. Additionally, participants demonstrated an enhanced ability to identify cooperative risks and develop simple mitigation steps. This activity proves that the workshop method is effective in improving participants' understanding and skills in cooperative risk management.  Keywords: risk management, cooperative, workshop, community service, internal control
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.
Co-Authors Heru Sri Wulan Izza Nisa’ul Afi Nurkholik Nurkholik Nurrohmi Ambar Tasriastuti Panca Wahyuningsih Patricia Dhiana Paramita