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All Journal Daengku: Journal of Humanities and Social Sciences Innovation Economic: Journal Economic and Business
Akbar, Jufrisani
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Other

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The effect of investment knowledge, eco-friendly lifestyle, and interest rates on investment interest among millennials and gen Z Amanda, Ferdita; Suhardi; Akbar, Jufrisani; Adriana, Nana
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 5 No. 1 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku3760

Abstract

This study aims to analyze the influence of investment knowledge, environmentally friendly lifestyles, and interest rates on investment interest among Generation Z. The study results show that investment knowledge significantly impacts investment interest, where higher financial literacy encourages more rational and informed investment decisions. An environmentally friendly lifestyle also contributes to increasing investment interest, although its influence is not as strong as financial literacy. Interest rates are proven to affect investment decisions, but their contribution is smaller compared to other factors. These findings indicate that a combination of good financial literacy and awareness of sustainable investment can enhance Generation Z's participation in the investment world. Therefore, financial education and the promotion of sustainability-based investment need to be improved to encourage wiser and more responsible investment decisions.
The Effect of Digital Literacy, Trust in Security, and Transaction Costs on Optimizing the Utilization of QRIS in MSMEs with Ease of Use as an Intervening Variable Saputra, Avindra Adzandi; Suhardi, Suhardi; Akbar, Jufrisani
Economic: Journal Economic and Business Vol. 4 No. 2 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i2.1001

Abstract

This study aims to analyze the influence of digital literacy, trust in security, and transaction costs on optimizing the use of QRIS by MSME actors in Bangka Belitung, with ease of use as a mediation variable. Using an explanatory research type quantitative approach, data was collected through a Likert questionnaire 1–5 from 157 MSME actors selected by purposive sampling. The validity and reliability of the instruments were tested through KMO, Bartlett's Test, and Cronbach's Alpha. The analysis was carried out using the Partial Least Square-Structural Equation Modeling (PLS-SEM) method using SmartPLS, as well as mediation tests through bootstrapping and Sobel tests. The results show that digital literacy has a significant direct effect on QRIS optimization. Meanwhile, trust in security and transaction costs has an indirect effect through the ease of use as a mediator. These findings confirm the importance of the perception of convenience in encouraging the adoption of QRIS by MSMEs. The practical implication is that policy interventions are needed in the form of increasing digital literacy, simplifying features, and cost transparency by the government and digital service providers.
Co-Authors Amanda, Ferdita Nana Adriana Saputra, Avindra Adzandi Suhardi Suhardi Suhardi Suhardi