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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.

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.

Parental Influence on Financial Literacy and Behavior of Generation Z Students at UPN Yogyakarta Mu’afi, Muhammad Irfan; Koorag, Satrio Tegar Gunung; Sagita, Virginia Ayu
International Journal on Economics, Finance and Sustainable Development (IJEFSD) Vol. 6 No. 3 (2024): International Journal on Economics, Finance and Sustainable Development (IJEFSD
Publisher : Research Parks Publishers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31149/ijefsd.v6i7.5295

This study aims to determine the role of parents in providing financial education to Generation Z students at UPN Yogyakarta and how this education impacts their financial behavior. Utilizing a phenomenological research approach, the study involved in-depth interviews with ten respondents from UPN Yogyakarta. The research explores the factors that lead these students to recognize the importance of financial education imparted by their parents, along with other psychological and economic factors that underscore the necessity of financial literacy for wise money management. The findings reveal several key insights. Firstly, parents significantly shape their children's financial behaviors, with those who receive early financial education from their parents demonstrating better money management skills. Secondly, students who did not receive financial education from their parents often turn to digital platforms like YouTube and Instagram to gain financial knowledge. Thirdly, students from economically disadvantaged backgrounds are more likely to seek financial literacy independently to avoid financial pitfalls. Additionally, psychological factors, such as self-awareness and resilience, play a crucial role in shaping financial behavior. Lastly, there is a notable variation in financial literacy among the respondents, influenced by their family backgrounds and the financial education they received. These results underscore the importance of parental involvement in financial education and the need for targeted strategies to enhance financial literacy among students, particularly those from less privileged backgrounds. The study highlights the potential benefits of incorporating financial education into early childhood development to foster prudent financial behaviors.

Financial Navigation: Building Generation Z Literacy through Learning Channels Mu’afi, Muhammad Irfan; Hapsari, Nurul Retno; Amalia, Tazkia; Jesie, Titan Aprista
Jurnal Ilmu Komunikasi Vol 23 No 1 (2025): April (2025)
Publisher : Univeritas Pembangunan Nasional "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/jik.v23i1.14790

This research aims to explore the role of learning channels in enhancing financial literacy among Generation Z. Given the increasingly complex financial challenges in the digital era, financial literacy is becoming an essential skill to possess. This study employs a quantitative approach using questionnaires with active university students from the 2019-2022 cohorts aged 18-22 years as research subjects. The learning channels used as indicators in this study are: family / friends, social media, formal education, influencers, investment apps, and non-formal education. The data obtained were analyzed using Smart-PLS. The results of this study indicate that learning channels with the indicators of family, social media, formal education, and investment apps have a significant impact on financial literacy, whereas influencers and non-formal education do not significantly affect financial literacy. These findings suggest that financial literacy among Generation Z can be effectively improved through structured and relevant learning channels, particularly those integrated into daily life and formal education settings.

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.

Green Choices in E-Commerce: Understanding Consumer Willingness to Pay for Eco-Friendly Packaging Hapsari, Nurul Retno; Mu’afi, Muhammad Irfan; Nurchaya, Mukti Ahmad
Jurnal AGRISEP JURNAL AGRISEP VOL. 25 NO. 01 2026 (MARCH)
Publisher : Badan Penerbitan Fakultas Pertanian, Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31186/jagrisep.25.01.189-204

This study examines consumer behavior toward adopting eco-friendly packaging in Indonesia’s e-commerce sector, contributing to the broader discourse on sustainable consumption in Indonesia. It analyzes the factors influencing consumers’ willingness to pay for eco-friendly packaging using the Sustainability Theory of Planned Behavior (STPB). The study is driven by growing environmental concerns associated with e-commerce packaging waste, particularly in emerging markets such as Indonesia, where sustainability practices are still developing. Data were collected from 236 active online shoppers through purposive sampling, and structural equation modelling (SEM) was employed to analyze the relationships among key variables. The results demonstrate the significant influence of environmental concerns on consumer attitudes and the crucial role of behavioral intention in predicting willingness to pay for eco-friendly packaging. The findings further indicate that moral and environmental values play a more prominent role than economic considerations in shaping consumer behavior. These insights underscore the importance of public awareness campaigns, improved accessibility to eco-friendly packaging, and supportive government policies. By integrating sustainability dimensions into consumer behavior models, this study advances the theoretical understanding of sustainable consumption in e-commerce and offers practical recommendations for promoting environmental responsibility in emerging markets.

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