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All Journal Jurnal Pengabdian Bersama Masyarakat Indonesia Economy and Finance Enthusiastic
Amalia Tizka Zhahrina
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Public Health

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Pemberdayaan Mahasiswa Prodi Akuntansi Untuk UMKM Melalui Program Konsultasi Penyusunan Analisis Laporan Keuangan Pada UMKM Radjanya Pisang Amalia Tizka Zhahrina; Nevanda Julya Rizki; Ni Putu Ayu Sinta Widiasih; Feriona Ayurizta Iliyas; Amelia Wardatus Rizki; Sri Rahayuningsih
Jurnal Pengabdian Bersama Masyarakat Indonesia Vol. 2 No. 3 (2024): Juli : Jurnal Pengabdian Bersama Masyarakat Indonesia
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jpbmi.v2i3.428

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) selalu menarik untuk dikaji, bukan hanya dari aspek ketahanan, aspek pembiayaan, perolehan pinjaman atau dari aspek manejerial usaha. Pengembangan secara internal yang dari UMKM “Radjanya Pisang” ini berasal dari tabungan pribadi yang dikelolah semaksimal mungkin dengan modal yang cukup kecil. UMKM Radjanya Pisang ini memanfaatkan buah pisang sebagai bahan baku yang paling dasar dalam penjualannya. Alasan dari UMKM Radjanya Pisang memilih pisang ialah karena pisang memiliki daya tarik yang luas di berbagai kalangan usia. Oleh karena itu, akhirnya pemilik usaha, Bayu Surya Ramadhan, memutuskan untuk mengembangkan berbagai olahan jajanan berbasis pisang, seperti pisang keju, pisang roll, piscok, dan sebagainya. Dengan memanfaatkan teknlogi yang semakin berkembang selain menerima pesanan secara offline UMKM “Radjanya Pisang” juga menerima pesanan secara online di platfrom seperti GrabFood. Di sini kami menggunakan metode penelitian kualitatif yang mana kami melakukan wawancara secara langsung bersama owner UMKM "Radjanya Pisang". Kami berharap melalui konsultasi dan jurnal laporan yang kami buat ini, dapat memberikan implikasi positif baik bagi kami sebagai tim penyusun maupun para pembaca yang membacanya.
The Role of Financial Education, Additional Income and Consumption Patterns in Improving the Financial Resilience of Surabaya City Students Feriona Ayurizta Iliyas; Amalia Tizka Zhahrina; Linda Afifah; Devi Nadia Agustina; Maria Yovita R. Pandin
Economy and Finance Enthusiastic Vol. 3 No. 1 (2025): January-June
Publisher : Tinta Emas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/efe.v3i1.511

Abstract

Seeing the development of today's times, quite a lot can be a factor that affects the financial resilience of students. Looking at the facts, the majority of students still have difficulty in managing their consumption patterns and financial arrangements. Therefore, we compile this research to be able to provide understanding as well as useful insights for students in the process of financial management, managing additional income, consumption patterns to hopefully increase financial resilience for students. This research uses a quantitative approach through the Google form survey method that we have distributed to the scope of the city of students in the Surabaya City area. The place of our research and the preparation of this research is in Surabaya, East Java. The results of this study show that there is a relationship between the role of financial education, additional income and consumption patterns in increasing the financial resilience of students. Therefore, it is necessary to teach financial education as early as possible, so that it will increase understanding related to financial literacy for both children, students and adults.
Effects of Overconfidence Bias, Loss Aversion, and Herding on University Students’ Investment Decisions in Surabaya Maria Yovita R. Pandin; Feriona Ayurizta Iliyas; Amalia Tizka Zhahrina; Aim Matus Noer Solehah
Economy and Finance Enthusiastic Vol. 3 No. 2 (2025): July-December
Publisher : Tinta Emas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/efe.v3i2.599

Abstract

This study investigates the effects of overconfidence bias, loss aversion, and herding behavior on university students’ investment decisions in Surabaya. Using a quantitative approach, data were collected via an online questionnaire (Google Form) distributed to students from state and private universities, yielding 102 valid responses. The population frame referred to the 34,464 students in Surabaya, and the minimum sample size was determined using the Isaac and Michael formula. Each construct was measured with 10 indicators, all of which passed validity (r count > r table, Sig. < 0.05) and reliability tests (Cronbach’s Alpha > 0.60). Data were analyzed using multiple linear regression with SPSS, preceded by classical assumption tests (normality and multicollinearity), which indicated that the model was appropriate. The results show that overconfidence bias, loss aversion, and herding behavior each have a significant partial effect on investment decisions, as evidenced by t-count values of 8.176, 65.159, and 8.822 respectively, all greater than t-table (1.984) with significance levels of 0.000. Simultaneously, the three psychological factors also have a significant joint influence on investment decisions (Sig. 0.012 < 0.05). These findings confirm that behavioral biases play a crucial role in shaping students’ investment behavior, implying the need to strengthen financial education and awareness of psychological biases among young investors.
Co-Authors Aim Matus Noer Solehah Amelia Wardatus Rizki Devi Nadia Agustina Feriona Ayurizta Iliyas Linda Afifah Maria Yovita R. Pandin Nevanda Julya Rizki Ni Putu Ayu Sinta Widiasih SRI RAHAYUNINGSIH