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Memahami Perilaku Investasi Generasi Z: Peran Literasi Keuangan sebagai Pendorong Utama Mu'afi, Muhammad Irfan
Business UHO: Jurnal Administrasi Bisnis Vol 9, No 1 (2024):
Publisher : Universitas Halu Oleo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52423/bujab.v9i1.45995

This research aims to investigate the influence of financial literacy on investment interest in individuals. Investment interest is critical as it serves as the foundation for financial growth and future sustainability. The primary focus is on Generation Z, a group often perceived to lack sufficient financial awareness, prompting the need to understand how financial literacy can shape their preferences towards investments. This research method involves an online survey of a sample of Generation Z individuals who are still active students from the 2019-2022 cohorts and are typically aged between 18 and 22 years. Respondents are asked to fill out a questionnaire that includes questions about their level of financial literacy and their interest in engaging in investments. The data obtained is analyzed using statistical regression techniques to identify correlations between financial literacy and investment interest. In this study, the focus is to analyze the impact of financial literacy on investment interest among Generation Z students in the Yogyakarta region. Based on the research findings using Partial Least Square analysis, the conclusion drawn is that financial literacy has a positive and significant influence on investment interest.

Budaya Jawa dan Kewirausahaan Perempuan Hapsari, Nurul Retno; Mua'fi, Muhammad Irfan; Koorag, Satrio Tegar Gunung
Jurnal Paradigma Vol 27, No 2 (2023): July 2023
Publisher : Fakultas Ilmu Sosial dan Ilmu Politik UPN "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/paradigma.v27i2.10099

Tren kewirausahaan perempuan terus meningkat, terutama dalam sektor usaha mikro, kecil, dan menengah (UMKM). Namun, isu budaya dalam perspektif gender masih menjadi kendala bagi perempuan untuk mengelola bisnis di beberapa wilayah. Penelitian ini dilakukan untuk menguji pengaruh antara budaya jawa dan orientasi kewirausahaan perempuan. Berdasarkan data dari 100 pengusaha perempuan UMKM Kota Semarang yang dianalisis dengan menggunakan SPSS, hasil studi menunjukkan bahwa budaya jawa berpengaruh terhadap orientasi kewirausahaan perempuan. Perempuan jawa pada era modern mampu mengembangkan potensi diri di ruang publik. Partisipasi mereka didukung oleh keluarga untuk menggeluti dunia bisnis.

Pentingnya Pengetahuan: Menyelidiki Pengaruh Literasi Keuangan terhadap Perilaku Keuangan di Kalangan Gen Z Mu'afi, Muhammad Irfan; Afifah, Difansya Arkannisa; Binantara, Axelliano Dinovan
Jurnal Paradigma Vol 28, No 1 (2024): January 2024
Publisher : Fakultas Ilmu Sosial dan Ilmu Politik UPN "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/paradigma.v28i1.11392

Gen Z faces difficulties in managing finances wisely, such as difficulties in making ends meet from the income they have and worries about their ability to meet their expenses. Gen Z's financial behavior is associated with changes in consumption patterns that are influenced by technological advances and the rapid development of the times. This factor is often accompanied by a lack of social responsibility and a lack of financial planning, including saving, investing, planning emergency funds, and allocating funds for the future. The purpose of this study was to determine the effect of Financial Literacy on Financial Behavior in UPN Veteran Yogyakarta students. The population used in this study were UPN Veterans Yogyakarta students and the sampling technique used was a purposive sampling technique because it requires certain criteria to answer research problems with the sample criteria being active students from Yogyakarta National Development University, class of 2019-2022 whose average age is 18 -20 years. The samples taken were 250 respondents. In this study it was concluded that financial literacy has a significant positive effect on financial behavior. The better one's level of financial literacy, the better one's financial behavior will be.

ANALISIS PERTUMBUHAN DIGITAL ENTREPRENEURSHIP STARTUP FINTECH PADA SEGMENTASI PRODUK STUDENT LOAN INDONESIA Zaki, Ahmad; Hapsari, Nurul Retno; Koraag, Satrio Tegar Gunung; Mu'afi, Muhammad Irfan; Rahmawati, Keny
Jurnal Paradigma Vol 27, No 1 (2023): January 2023
Publisher : Fakultas Ilmu Sosial dan Ilmu Politik UPN "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/paradigma.v27i1.8991

AbstrakEra digital memungkinkan pertumbuhan digital entrepreneurship yang merambah segala bidang termasuk dalam bidang pendanaan peer to peer landing. Pertumbuhan ini bisa dilihat dari tumbuhnya startup financial technologi yang membuat segmentasi produk student loan di indonesia. Penelitian ini meneliti faktor-faktor yang membuat pertumbuhan fintech dengan segmentasi produk student loan tumbuh di Indonesia. Penelitian ini termasuk jenis penelitian studi literatur dengan mencari referensi teori yang relevan dengan kasus atau permasalahan yang ditemukan. Studi literatur adalah cara yang dipakai untuk menghimpun data atau sumber-sumber yang berhubungan dengan topik yang diangkat dalam suatu penelitian. Hasil penelitian menemukan bahwa faktor-faktor tersebut adalah peningkatan biaya pendidikan, perubahan model bisnis, faktor kebutuhan pengguna, dan faktor peluang usaha.

Peningkatan Kualitas Konten sebagai Strategi Promosi Desa Wisata Eny Endah Pujiastuti; Keny Rahmawati; Nurul Retno Hapsari; Satrio Tegar Gunung Korrag; Muhammad Irfan Mu’afi; Ahmad Zaki; Virginia Ayu Sagita; Arif Hervianto
Jurnal Pengabdian Masyarakat: Tipis Wiring Vol 3 No 1 (2024): Tepis Wiring: Jurnal Pengabdian Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Unversitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/tepiswiring.v3i1.4197

Digital marketing has enormous potential for promoting and advertising tourism in general, but its impact becomes more apparent when we concentrate on the international target audience of rural tourism and the challenges and costs of reaching them with traditional marketing initiatives. One marketing strategy that can be used to attract customers on social media is to use a content marketing strategy (Krasniak et al., 2021). Digital content marketing strategies theoretically help increase tourist interest in visiting (Holliman and Rowley, 2014). The main problem formulation is how to improve the quality of promotion (digital marketing) so that it can encourage tourists to visit tourist villages, especially international tourists. The aim of the activity is to improve the ability of tourist village managers to make promotions (digital marketing) of higher quality. The approach used is a community-based approach with a business incubator model. The steps taken are training and mentoring. The activity location is in the Jenissari Tourism Village, Cangkringan, Umbulharjo, Sleman, DIY. The results of activities increase the ability to create content in the form of photos and videos. Making videos with publicists via Tripadvisor media so that information about the tourism village of Titiksari can reach the international market. Increasing the quality of content on the website can improve the quality of information and meet tourists' needs for information about the destination they are going to

Memberdayakan Generasi Z: Peran Edukasi Pasar Modal dalam Meningkatkan Minat Investasi Mu'afi, Muhammad Irfan; Hapsari, Nurul Retno; Perdana, Arika Bagus
Jurnal Administrasi Bisnis Vol 13, No 2 (2024)
Publisher : Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jab.v13i2.57879

Generation Z has great potential to become future investors. However, their interest in investing remains relatively low. This study analyzes the influence of learning channels on investment interest, with financial literacy as a mediating variable among Generation Z students in Yogyakarta, using the Partial Least Square (PLS) method. The results show that learning channels have a positive and significant impact on financial literacy and investment interest. Financial literacy also has a significant effect on investment interest, though its impact is weaker compared to the influence of learning channels. Mediation tests reveal that financial literacy mediates the relationship between learning channels and investment interest, although the effect is small. Learning channels have a strong influence on students' investment interest, with financial literacy serving as a connecting factor.Generasi Z memiliki potensi besar untuk menjadi investor di masa depan. Namun, minat mereka dalam berinvestasi masih tergolong rendah. Penelitian ini menganalisis pengaruh saluran pembelajaran terhadap minat investasi dengan literasi keuangan sebagai variabel mediasi pada mahasiswa Generasi Z di Yogyakarta, menggunakan metode Partial Least Square (PLS). Hasilnya menunjukkan bahwa saluran pembelajaran berpengaruh positif dan signifikan terhadap literasi keuangan dan minat investasi. Literasi keuangan juga berpengaruh signifikan terhadap minat investasi, namun dampaknya lebih lemah dibandingkan pengaruh saluran pembelajaran. Uji mediasi mengungkap bahwa literasi keuangan memediasi hubungan antara saluran pembelajaran dan minat investasi, meskipun efeknya kecil. Saluran pembelajaran terbukti memiliki pengaruh besar terhadap minat investasi mahasiswa, dengan literasi keuangan berperan sebagai penghubung.

ANALISIS PERTUMBUHAN DIGITAL ENTREPRENEURSHIP STARTUP FINTECH PADA SEGMENTASI PRODUK STUDENT LOAN INDONESIA Zaki, Ahmad; Hapsari, Nurul Retno; Koraag, Satrio Tegar Gunung; Mu'afi, Muhammad Irfan; Rahmawati, Keny
Jurnal Paradigma Vol 27 No 1 (2023): January 2023
Publisher : Fakultas Ilmu Sosial dan Ilmu Politik UPN "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/paradigma.v27i1.8991

AbstrakEra digital memungkinkan pertumbuhan digital entrepreneurship yang merambah segala bidang termasuk dalam bidang pendanaan peer to peer landing. Pertumbuhan ini bisa dilihat dari tumbuhnya startup financial technologi yang membuat segmentasi produk student loan di indonesia. Penelitian ini meneliti faktor-faktor yang membuat pertumbuhan fintech dengan segmentasi produk student loan tumbuh di Indonesia. Penelitian ini termasuk jenis penelitian studi literatur dengan mencari referensi teori yang relevan dengan kasus atau permasalahan yang ditemukan. Studi literatur adalah cara yang dipakai untuk menghimpun data atau sumber-sumber yang berhubungan dengan topik yang diangkat dalam suatu penelitian. Hasil penelitian menemukan bahwa faktor-faktor tersebut adalah peningkatan biaya pendidikan, perubahan model bisnis, faktor kebutuhan pengguna, dan faktor peluang usaha.

Pentingnya Pengetahuan: Menyelidiki Pengaruh Literasi Keuangan terhadap Perilaku Keuangan di Kalangan Gen Z Mu'afi, Muhammad Irfan; Afifah, Difansya Arkannisa; Binantara, Axelliano Dinovan
Jurnal Paradigma Vol 28 No 1 (2024): January 2024
Publisher : Fakultas Ilmu Sosial dan Ilmu Politik UPN "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/paradigma.v28i1.11392

Gen Z faces difficulties in managing finances wisely, such as difficulties in making ends meet from the income they have and worries about their ability to meet their expenses. Gen Z's financial behavior is associated with changes in consumption patterns that are influenced by technological advances and the rapid development of the times. This factor is often accompanied by a lack of social responsibility and a lack of financial planning, including saving, investing, planning emergency funds, and allocating funds for the future. The purpose of this study was to determine the effect of Financial Literacy on Financial Behavior in UPN Veteran Yogyakarta students. The population used in this study were UPN Veterans Yogyakarta students and the sampling technique used was a purposive sampling technique because it requires certain criteria to answer research problems with the sample criteria being active students from Yogyakarta National Development University, class of 2019-2022 whose average age is 18 -20 years. The samples taken were 250 respondents. In this study it was concluded that financial literacy has a significant positive effect on financial behavior. The better one's level of financial literacy, the better one's financial behavior will be.

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