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All Journal Padma: Jurnal Pengabdian Kepada Masyarakat Amkop Management Accounting Review (AMAR)
Azzahra, Afitra
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Public Health Social Sciences Other

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Pemberdayaan UMKM Melalui Pembuatan Nomor Induk Berusaha (NIB) Sebagai Langkah Awal Legalitas Usaha Azzahra, Afitra; Handayani, Wiwik
PADMA Vol 4 No 1 (2024): JURNAL PENGABDIAN KEPADA MASYARAKAT (PADMA)
Publisher : LPPM Politeknik Piksi Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56689/padma.v4i1.1322

Abstract

MSMEs are the backbone of economic growth in Indonesia. However, the greater the potential of MSMEs, the more challenges business actors must face, one of it is regarding business legality. One important step in obtaining business legality is to create a Business Identification Number (NIB). The reality is that there are many business actors who do not have a NIB due to many factors. BTPN Syariah invites students to participate in empowering MSMEs by providing regular assistance to their customer to strengthen their knowledge and skills in entrepreneurship. The methods used in this empowerment program are observation, interviews, material teaching, and practice. The results of this empowerment is assistance in making NIB. By creating an NIB, business actors are expected to be able to maximize the benefits to optimize the business they are running, such as getting ease in financing, wider market access, and ease in processing other licensing documents
Examining How Financial Literacy Moderates the Factors Affecting Investment Decision in Capital Market Azzahra, Afitra; Wikartika, Ira
Amkop Management Accounting Review (AMAR) Vol. 6 No. 1 (2026): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v6i1.2573

Abstract

The shifting global economic landscape has heightened public awareness regarding the importance of effective financial management as a means to achieve financial independence. Investment is one strategy employed to reach this objective. However, In reality, personal investment choices are often shaped by psychological influences, which can result in irrational investment behavior. This exploration seeks to observe how experienced regret, risk tolerance, and influencers affect investment decisions in the capital market among Generation Z investors in Surabaya City, while considering financial literacy as a moderating factor. This search employed a quantitative approach, gathering the primary data through questionnaires that distributed to 160 respondents. The sample was chosen using purposive sampling, and the data analysis was conducted using the SEM-PLS method supported by SmartPLS software. The study findings indicate that experienced regret and risk tolerance contribute to investment decisions, whereas influencers do not. Financial literacy was proven to significantly moderate the correlation between experienced regret, risk tolerance, and influencers on investment decision.
Co-Authors Ira Wikartika, Ira Wiwik Handayani