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What Effect Investment Decision For Gen - Z in DKI Jakarta Using Financial Behavior As a Mediating Variable. Fatimah, Vieta; Nasution, Ananta Hagabean
JURNAL ILMU MANAJEMEN SABURAI Vol 10, No 2 (2024): JURNAL ILMU MANAJEMEN SABURAI (JIMS)
Publisher : Universitas Sang Bumi Ruwa Jurai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24967/jims.v10i2.3396

Abstract

What Effect Investment Decision For Gen -  Z in DKI Jakarta Using Financial Behavior As a Mediating Variable. Vieta Fatimah1, Ananta Hagabean Nasution2  Universitas YarsiVietafatimah96@gmail.com Ananta.hagabean@yarsi.ac.id   AbstrakSebagai makhluk ekonomi, manusia selalu berusaha untuk meningkatkan kehidupan finansialnya. Investasi adalah salah satu caranya. Perasaan takut tertinggal pada generasi muda menyebabkan perilaku impulsive dalam berbagai hal, termasuk berinvestasi. Dengan mengintegrasikan locus of control dan financial technology ke dalam model yang meneliti literasi keuangan terhadap keputusan investasi, serta menambahkan perilaku keuangan sebagai variabel intervening, khususnya dalam konteks generasi Z di DKI Jakarta yang sebelumnya belum banyak diteliti. Teknik penganbilan sampel dengan teknik purposive sampling menggunakan non – probability melalui penyebaran kuesioner. Dengan sampel penelitian Generasi – Z di seluruh DKI Jakarta yang sudah pernah berinvestasi selama 6 bulan terakhir sudah melakukan transaksi dengan jumlah 204 responden. Hasil penelitian menunjukkan bahwa literasi keuangan dan perilaku keuangan berpengaruh terhadap keputsan investasi, finansial teknologi dan locus of control tidak berpengaruh terhadap keputusan investasi, literasi keuangan, finansial teknologi dan locus of control berpengaruh terhadap perilaku keuangan, perilaku keuangan memediasi literasi keuangan, finansial teknologi dan locus of control terhadap keputusan investasi. Literasi keuangan, finansial teknologi, locus of control, keputusan investasi di pasar modal dan perilaku keuangan pada generasi – Z di DKI Jakarta. Implikasi manajerialnya, orang lebih memahami investasi, pemahaman literasi keuangan, lebih memahami strategi investasi, menghindari investasi karena FOMO. Mengembangkan edukasi pasar modal yang mudah diakses, mendukung platform investasi online yang aman dan ramah pengguna, serta melakukan evaluasi kebijakan rutin dengan Gen – Z. Kata Kunci: Keputusan investasi, Perilaku Keuangan, Literasi Keuangan, Financial Technology, Locus of Control.What Effect Investment Decision For Gen -  Z in DKI Jakarta Using Financial Behavior As a Mediating Variable. Vieta Fatimah1, Ananta Hagabean Nasution2University of YarsiVietafatimah96@gmail.com Ananta.hagabean@yarsi.ac.id  AbstractAs economic beings, humans always strive to improve their financial lives. Investment is one of the ways. The fear of being left behind in the younger generation causes impulsive behavior in various ways, including investing. By integrating locus of control and financial technology into a model that examines the effect of financial literacy on investment decisions, and adding financial behavior as an intervening variable, especially in the context of generation Z in DKI Jakarta, which has not been widely studied before. The sampling technique uses non-probability with purposive sampling technique through distributing questionnaires. With a research sample of Generation - Z throughout DKI Jakarta who have invested in the last 6 months and have made transactions with a total of 204 respondents. The results showed that financial literacy and financial behavior affect investment decisions, financial technology and locus of control have no effect on investment decisions, financial literacy, financial technology and locus of control affect financial behavior, financial behavior mediates financial literacy, financial technology and locus of control on investment decisions. Financial literacy, financial technology, locus of control, investment decisions in the capital market and financial behavior in generation - Z in DKI Jakarta. The managerial implication is that people understand more about investment, understanding financial literacy, and financial behavior. Keywords: Investment decision, Financial Behavior, Financial Literacy, Financial Technology, Locus of Control.
Factors Influencing Financial Behavior in the use of E-Wallet (Gopay) Among Generation Z in the DKI Jakarta Region with Intention to use as a Mediating Variable Alifah, Navrasty Dinda; Nasution, Ananta Hagabean
ProBisnis : Jurnal Manajemen Vol. 15 No. 5 (2024): October: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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

Abstract

The aim of this study is to identify the factors that influence financial behavior related to the use of the e-wallet service Gopay among Generation Z in the DKI Jakarta region, with the intention to use serving as a mediating variable. This research employs a quantitative methodology, utilizing a sample of 200 Gopay users. Data was collected through a questionnaire, and purposive sampling techniques were applied. Data analysis was conducted using the Partial Least Squares – Structural Equation Modeling (PLS-SEM) method. The findings reveal that perceived ease of use does not impact financial behavior. Conversely, perceived security and perceived usefulness significantly and positively influence financial behavior. The intention to use has a positive and significant effect on financial behavior. Perceived ease of use does not influence the intention to use, whereas perceived security and perceived usefulness significantly and positively affect the intention to use. The intention to use does not mediate the relationship between perceived ease of use and perceived usefulness with financial behavior. However, it does mediate the relationship between perceived security and financial behavior.
An An Investigation of Profit Growth in Indonesian Banking Before and During Pandemic Covid-19: Does Financial Performance Matter? Ashari , Ardhita Pramesti; Simon , Zainal Zawir; Nasution, Ananta Hagabean; Zusryn , Alyta Shabrina; Asaari, Masagus
Research of Business and Management Vol. 3 No. 2 (2025): AUGUST 2025
Publisher : SAN Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58777/rbm.v3i2.296

Abstract

This study examines the influence of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Operational Income on Operating Costs (BOPO), and Loan to Deposit Ratio (LDR) on profit growth in the Indonesian banking sector, both before and during the COVID-19 pandemic. The research employs panel data regression with a sample of 44 banking companies listed on the Indonesia Stock Exchange (IDX). The results show that before the pandemic, CAR had a positive and significant effect on profit growth, while NIM and BOPO had negative and significant effects. LDR, however, showed a negative but insignificant effect. During the COVID-19 pandemic, CAR, NIM, and BOPO were found to have negative and significant impacts on profit growth, whereas LDR also negatively affected profit growth. Simultaneous testing confirms that CAR, NIM, BOPO, and LDR significantly influence profit growth in both periods. The findings provide managerial implications for banking companies to monitor key financial ratios that affect profitability. A healthier and more stable banking industry increases public trust and supports financial system stability. For investors, the study highlights the importance of understanding these financial factors when making investment decisions in the banking sector.
Peningkatan Pengetahuan Membuat Digital Asset dan Komersialisasinya Pada Siswa SMK Kesehatan Aras Depok Rofi'i, Muhammad; Hagabean, Ananta; Gani, Ariel Nian; Faisal, Muhammad; Tulasmiyanti, Novia; Rahmasuciana, Dioni Yurinda
Jurnal Abdimas Ekonomi dan Bisnis Vol. 4 No. 2 (2024): Jurnal Abdimas Ekonomi dan Bisnis
Publisher : LPPM Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/abdiekbis.v4i2.3639

Abstract

There are two primary challenges faced by students of  SMK Kesehatan Aras Sawangan Depok. Firstly, there is a proficiency issue in videography and photography, considering SMK Kesehatan Aras specializes in health education and lacks focus on videography, photography, or visual communication design. Secondly, students encounter difficulties in utilizing digital platforms as avenues for selling digital assets such as videos and photos. Addressing these issues is crucial for enabling students to commence monetizing digital assets online. The objective of this training program is to enhance students' knowledge and skills in producing digital assets and commercializing them through the Gettyimages application. The method employed is Asset Based Community Development (ABCD). This community service activity was attended by 27 Aras Vocational School students. Based on pretest and posttest analysis, it shows that the increase in participants' knowledge varied between 82%-100%, with an average increase in understanding for the 27 participants of 91.92%. So it can be concluded that the objectives of this training have been achieved, this training has had a positive impact as shown by the increase in participants' understanding of 11 aspects of the science of selling digital assets in the form of videos and photos on the Gettyimages platform.
Pengaruh Penerapan Green Accounting, Kinerja Lingkungan dan Corporate Social Responsibility (CSR) terhadap Profitabilitas dengan Ukuran Perusahaan sebagai Moderasi Siti Nur Aliza; Ananta Hagabean; Alyta Shabrina Zusryn
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.10083

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Green Accounting, Kinerja Lingkungan, dan Corporate Social Responsibility (CSR) terhadap Profitabilitas dengan Ukuran Perusahaan sebagai variabel moderasi pada perusahaan manufaktur sektor consumer goods yang terdaftar di Bursa Efek Indonesia periode 2019–2024. Penelitian ini dilatarbelakangi oleh meningkatnya perhatian terhadap praktik bisnis berkelanjutan yang menuntut perusahaan tidak hanya berorientasi pada keuntungan ekonomi, tetapi juga memperhatikan aspek lingkungan dan sosial. Metode penelitian yang digunakan adalah metode kuantitatif dengan memanfaatkan data sekunder yang diperoleh dari laporan tahunan dan laporan keberlanjutan perusahaan. Teknik pengambilan sampel menggunakan purposive sampling sehingga diperoleh 15 perusahaan yang memenuhi kriteria penelitian. Analisis data dilakukan menggunakan regresi data panel dengan bantuan aplikasi EViews 12 untuk menguji hubungan antarvariabel serta peran moderasi ukuran perusahaan. Hasil penelitian menunjukkan bahwa green accounting berpengaruh negatif dan signifikan terhadap profitabilitas, yang mengindikasikan bahwa biaya yang dikeluarkan perusahaan untuk aktivitas lingkungan dalam jangka pendek dapat menekan tingkat keuntungan. Kinerja lingkungan terbukti berpengaruh positif dan signifikan terhadap profitabilitas, menunjukkan bahwa pengelolaan lingkungan yang baik mampu meningkatkan nilai perusahaan dan kepercayaan pemangku kepentingan. Sementara itu, CSR tidak berpengaruh signifikan terhadap profitabilitas. Selain itu, ukuran perusahaan tidak mampu memoderasi pengaruh green accounting, kinerja lingkungan, maupun CSR terhadap profitabilitas. Dalam perspektif Islam, penerapan green accounting, kinerja lingkungan, CSR, dan pencapaian profitabilitas sejalan dengan prinsip tanggung jawab, keadilan, dan keberlanjutan sebagaimana diajarkan dalam Al-Qur’an dan Hadis.
BEYOND THE CLASSROOM: CONTEXTUAL FACTORS DRIVING ENTREPRENEURIAL SUCCESS IN VOCATIONAL EDUCATION Nasution, Ananta Hagabean; Nugroho, Randhy; Nurhayati, Ely
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 15 No. 1 (2026): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jebik.v15i1.105250

Abstract

While entrepreneurship education is widely promoted as a catalyst for economic development, its actual impact on students' practical entrepreneurial success remains underexplored. This mixed-methods research investigates the contextual factors shaping entrepreneurial outcomes among Vocational Education and Training (VET) students in Indonesia. Survey data from 453 students were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) and subsequently contextualized through Focus Group Discussions (FGDs). The findings indicate that relational support, structural support, and self-confidence positively influence entrepreneurial success. Interestingly, formal educational support alone did not demonstrate a significant direct impact, serving instead as a foundational element that requires practical execution and networking to be realized. Furthermore, self-confidence emerged as a strong independent predictor rather than a moderating variable. Given that self-confidence emerged as the strongest predictor of success, universities must prioritize initiatives that actively build this psychological resource. This study offers practical recommendations for educational institutions and policymakers to cultivate an integrated entrepreneurial ecosystem that moves beyond theoretical classroom instruction.JEL: L26, I23, I25.