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All Journal Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Journal of Sustainable Community Service
Febianni, Valen
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences

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Investment Decisions of Generations Y and Z With Financial Literacy as a Moderation Variable in the Era of Digitalization Desda, Mia Muchia; Yuliza, Mai; Satriadi, Satriadi; Desiyanti, Rika; Febianni, Valen; Dini, Dini
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 4 No. 2 (2025): MARCH
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v4i2.1595

Abstract

Digital investment platforms have made various investment instruments increasingly accessible to younger generations in Indonesia, yet concerns persist about how financial literacy levels impact investment decision-making. This study aims to analyze the influence of financial literacy on investment decisions among Generation Y (millennials) and Generation Z in Indonesia, with financial literacy serving as a moderating variable. The research employed a quantitative approach through a survey of 300 respondents from both generations. Analysis of the data revealed that financial literacy significantly influenced investment decisions, with individuals possessing higher financial literacy demonstrating more measured and information-based investment choices compared to those with lower literacy levels. These findings have important implications for financial institutions, policymakers, and educational institutions in developing targeted financial education programs and risk management strategies for young investors. Based on these findings, this study recommends strengthening financial education initiatives for Generations Y and Z to promote more rational investment decision-making in the digital era.
Improving Community Economic Value Through Utilization of Oil Palm Leaf Midribs into Export Handicraft Products Yuliza, Mai; Desda, Mia Muchia; Elondri, Elondri; Adriwilza, Adriwilza; Nurhamzah, Nurhamzah; Endarwita, Endarwita; Yurasti, Yurasti; Sari, Ria Widhia; Satriadi, Satriadi; Febianni, Valen; Dini, Dini
JOURNAL OF SUSTAINABLE COMMUNITY SERVICE Vol. 5 No. 1 (2024): DECEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jscs.v5i1.869

Abstract

This community service activity aims to increase the economic value of the community through the utilization of oil palm leaf midribs that have been underutilized into export-valued handicraft products. Palm oil is a leading commodity in many regions in Indonesia, but the waste in the form of leaf midribs is often neglected. Through training and mentoring programs, the community is able to produce a variety of innovative new designs, following modern market trends. palm oil leaf midribs handicrafts not only have functional value but also a more attractive aesthetic value. In addition, this activity also includes education on international marketing strategies and export market access. The results of the activities showed an increase in community knowledge and skills in processing oil palm leaf midribs and an increase in economic income through marketing products to international markets. This activity is expected to be sustainable and become a model for local resource-based economic development.
Co-Authors Adriwilza, Adriwilza Desda, Mia Muchia Desiyanti, Rika Dini, Dini Elondri, Elondri Endarwita Nurhamzah, Nurhamzah Ria Widhia Sari Satriadi, Satriadi Yuliza, Mai Yurasti