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All Journal Jurnal Kewarganegaraan West Science Business and Management PENG: Jurnal Ekonomi dan Manajemen
Sy, Arniwita
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Peran Literasi Keuangan dan Karakteristik Kepribadian Terhadap Keputusan Investasi Gen-Z di Provinsi DKI Jakarta dengan Persespi Risiko Sebagai Variabel Intervening Tannady, Hendy; Damanik, Darwin; Sy, Arniwita; Wiarta, Iqra; Nurdiani, Tanti Widia; Ambarwati, Retnoning; Renwarin, Joseph M.J.; Suyoto, Yohanes Totok
Jurnal Kewarganegaraan Vol 6 No 3 (2022): October 2022
Publisher : UNIVERSITAS PGRI YOGYAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (390.263 KB) | DOI: 10.31316/jk.v6i3.3832

Abstract

AbstrakPenelitian ini menjelaskan mengenai pengaruh literasi keuangan dan karakteristik kepribadian terhadap persepsi risiko dan dampaknya pada keputusan investasi generasi Z di Jakarta. Penelitian ini merupakan penelitian kuantitatif dan menggunakan metode survei dengan menggunakan kuesioner kepada responden. Kuesioner disebarkan melalui google form kepada 188 responden yang kemudian dianalisis dengan menggunakan SPSS versi 22.0. Teknik sampling yang digunakan adalah purposive sampling. Kesimpulan dari hasil uji hipotesis (uji t) bahwa literasi keuangan, conscientiousness, dan neuroticism berpengaruh terhadap persepsi risiko Gen- Z di Jakarta. Openness, agreeableness, dan extraversion tidak berpenagruh terhadap persepsi risiko. Selanjutnya, literasi keuangan, openness to new experience, extraversion, dan persepsi risiko berpengaruh terhadap keputusan investasi Gen-Z di Jakarta. Sedangkan conscientiousness, agreeableness, dan neuroticism tidak berpengaruh terhadap keputusan investasi.Kata Kunci: Literasi Keuangan, Kepribadian, Persepsi Risiko, Keputusan Investasi AbstractThis study aims to determine the effect of financial literacy and personality traits on risk perception and its effect on investment decisions of Generation Z in Jakarta. This study is a quantitative research and used survey method to gain the data. The data was obtained by using questionnaires. Questionnaire was distributed by Google form to 188 respondents and analyzed by using SPSS 22.0 version. Purposive sampling was implemented as sampling technique. The result from the t-test (hypothesis testing) shows that financial literacy, conscientiousness and neuroticism affect on risk perception of Gen-Z in Jakarta. Openness, agreeablenss and extraversion do not affect risk perception. While, financial literacy, openness to new experience, extraversion, and risk perception effect the investment decisions of Gen-Z in Jakarta. Moreover, conscientiousness, agreeableness, and neuroticism do not affect investment decision.Keywords: Financial Literacy, Personality Traits, Risk Perception, Investment Decision
Strategic Financial Planning and Its Effect on Company Resilience in an Uncertain Market in Indonesia Judijanto, Loso; SY, Arniwita; Ermaini, Ermaini
West Science Business and Management Vol. 3 No. 01 (2025): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v3i01.1740

Abstract

This study examines the effect of strategic financial planning on company resilience in an uncertain market environment in Indonesia. Using a quantitative approach, data were collected from 55 companies through a structured questionnaire. Strategic financial planning was assessed through budgeting, forecasting, risk management, and resource allocation, while company resilience was measured by adaptability, sustainability, and financial stability. Data analysis was conducted using SPSS version 25, incorporating descriptive statistics, correlation analysis, and regression analysis. The results indicate a strong positive relationship (r=0.72,p<0.01r = 0.72, p < 0.01r=0.72,p<0.01) between financial planning and resilience. Regression analysis confirmed the significant impact of financial planning (β=0.68,p<0.001\beta = 0.68, p < 0.001β=0.68,p<0.001), explaining 52% of the variance in resilience. These findings highlight the critical role of financial planning in enabling companies to adapt and thrive in uncertain markets. The study concludes with practical recommendations for enhancing financial planning practices to strengthen resilience.
Peran Digital Marketing dan Diskon Terhadap Keputusan Pembelian Produk Fashion pada Pengguna Aplikasi Tiktok Gustar, Gustar; sy, Arniwita; Syafaat, Arman
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/zgxa6s67

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Digital Marketing dan diskon terhadap keputusan pembelian produk fashion pada pengguna aplikasi TikTok. Latar belakang penelitian didasarkan pada fenomena meningkatnya aktivitas belanja online melalui TikTok Shop yang menggabungkan hiburan, konten kreatif, serta strategi pemasaran digital. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik survei melalui kuesioner online kepada responden yang merupakan pengguna aktif TikTok dan pernah melakukan pembelian produk fashion. Analisis data dilakukan melalui uji validitas, reliabilitas, asumsi klasik, serta regresi linear berganda. Hasil penelitian menunjukkan bahwa Digital Marketing berpengaruh positif dan signifikan terhadap keputusan pembelian. Demikian pula, diskon terbukti memiliki pengaruh yang lebih dominan terhadap keputusan pembelian produk fashion di TikTok Shop. Secara simultan, kedua variabel ini berkontribusi signifikan dalam mendorong perilaku konsumen untuk melakukan pembelian. Temuan ini menegaskan bahwa strategi pemasaran berbasis Digital Marketing yang interaktif dan pemberian diskon yang menarik mampu meningkatkan minat serta keputusan pembelian, khususnya pada generasi muda yang aktif menggunakan TikTok.
Peran Literasi Keuangan dan Karakteristik Kepribadian Terhadap Keputusan Investasi Gen-Z di Provinsi DKI Jakarta dengan Persespi Risiko Sebagai Variabel Intervening Tannady, Hendy; Damanik, Darwin; Sy, Arniwita; Wiarta, Iqra; Nurdiani, Tanti Widia; Ambarwati, Retnoning; Renwarin, Joseph M.J.; Suyoto, Yohanes Totok
Jurnal Kewarganegaraan Vol 6 No 3 (2022): October 2022
Publisher : UNIVERSITAS PGRI YOGYAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/jk.v6i3.3832

Abstract

AbstrakPenelitian ini menjelaskan mengenai pengaruh literasi keuangan dan karakteristik kepribadian terhadap persepsi risiko dan dampaknya pada keputusan investasi generasi Z di Jakarta. Penelitian ini merupakan penelitian kuantitatif dan menggunakan metode survei dengan menggunakan kuesioner kepada responden. Kuesioner disebarkan melalui google form kepada 188 responden yang kemudian dianalisis dengan menggunakan SPSS versi 22.0. Teknik sampling yang digunakan adalah purposive sampling. Kesimpulan dari hasil uji hipotesis (uji t) bahwa literasi keuangan, conscientiousness, dan neuroticism berpengaruh terhadap persepsi risiko Gen- Z di Jakarta. Openness, agreeableness, dan extraversion tidak berpenagruh terhadap persepsi risiko. Selanjutnya, literasi keuangan, openness to new experience, extraversion, dan persepsi risiko berpengaruh terhadap keputusan investasi Gen-Z di Jakarta. Sedangkan conscientiousness, agreeableness, dan neuroticism tidak berpengaruh terhadap keputusan investasi.Kata Kunci: Literasi Keuangan, Kepribadian, Persepsi Risiko, Keputusan Investasi AbstractThis study aims to determine the effect of financial literacy and personality traits on risk perception and its effect on investment decisions of Generation Z in Jakarta. This study is a quantitative research and used survey method to gain the data. The data was obtained by using questionnaires. Questionnaire was distributed by Google form to 188 respondents and analyzed by using SPSS 22.0 version. Purposive sampling was implemented as sampling technique. The result from the t-test (hypothesis testing) shows that financial literacy, conscientiousness and neuroticism affect on risk perception of Gen-Z in Jakarta. Openness, agreeablenss and extraversion do not affect risk perception. While, financial literacy, openness to new experience, extraversion, and risk perception effect the investment decisions of Gen-Z in Jakarta. Moreover, conscientiousness, agreeableness, and neuroticism do not affect investment decision.Keywords: Financial Literacy, Personality Traits, Risk Perception, Investment Decision
Co-Authors Ambarwati, Retnoning Damanik, Darwin Gustar, Gustar Hendy Tannady Irmanelly, Irmanelly Judijanto, Loso Nurdiani, Tanti Widia Renwarin, Joseph M.J. Syafaat, Arman Wiarta, Iqra Yohanes Totok Suyoto