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Amir, Afriza
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Social Media, Influencers and FOMO : Key Drivers of Generation Z’s Cryptocurrency Investment Behavior Irti, Laury Khana Agricha; Amir, Afriza
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 6 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i6.9119

Abstract

This study aims to analyze the influence of social media, influencers, and the fear of missing out (FOMO) phenomenon on cryptocurrency investment decisions. In the digital era, social media has become a key channel for information and communication, including in finance and investment. Influencers on platforms such as Instagram, Twitter, YouTube, TikTok, and Facebook often serve as sources of investment recommendations, particularly among Generation Z. At the same time, FOMO drives Generation Z to make investment decisions out of fear of being left behind by emerging trends. This research employs a quantitative method by distributing questionnaires to Generation Z respondents in Medan. The findings reveal that social media, influencers, and FOMO significantly affect investment decisions, with social media exerting the strongest influence in shaping quick and high-risk choices. Overall, the study shows that Generation Z’s cryptocurrency investment decisions are more emotionally driven—through social media, influencers, and FOMO—than based on rational information.
Financial Literacy Skills as an Effort to form Smart Character in Managing Finances in Karya Utama High School Students Saputri, Khana; Agustina; Katharina, Ninta; Amir, Afriza; Agung Anggoro, Muhammad; Fitriano, Andre
GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 2 (2024): GANDRUNG: Jurnal Pengabdian Kepada Masyarakat
Publisher : Fakultas Olahraga dan Kesehatan, Universitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/gandrung.v5i2.3821

Abstract

Financial Literacy is knowledge, skills and beliefs that influence attitudes and behavior to improve the quality of decision making and financial management to achieve community welfare. Implementing financial education in order to increase public financial literacy is very necessary because based on a survey conducted by the OJK in 2022, the financial literacy index of the Indonesian population is 49.68 percent, an increase compared to 2013, 2016 and 2019 which were only 21.84 percent each. , 29.70 percent, and 38.03 percent. Service activities were carried out at Karya Utama Private High School Jl. Education No. 23 Marindal Satu, Patumbak District, Deli Serdang Regency, North Sumatra was held on May 20 2024. This activity is a form of socialization and special training for students of Karya Utama Private High School Jl. Education No. 23 Marindal Satu, Patumbak District, Deli Serdang Regency, North Sumatra so that they can have financial literacy skills as an effort to build intelligent character in managing finances in Karya Utama High School students.
Global Macroeconomic Drivers of Gold Prices: The Impact of Inflation, USD Exchange Rate, and Crude Oil Prices Herman, Herman; Wijaya, Antony; Amir, Afriza; Rahmani, Nur Ahmadi Bi
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 6 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

  This study aims to examine the influence of the inflation rate, the US dollar exchange rate, and global oil prices on world gold prices. Using a quantitative approach with secondary time-series data, the analysis was carried out through multiple linear regression to identify both partial and simultaneous effects of the selected macroeconomic variables. The findings indicate that the inflation rate does not have a significant impact on gold prices. In contrast, the US dollar exchange rate shows a positive and significant relationship with gold prices, suggesting that fluctuations in the value of the dollar play an important role in shaping global gold market movements. Meanwhile, global oil prices are found to have no significant partial effect on gold prices. Furthermore, when examined simultaneously, the three macroeconomic variables do not exhibit a collective influence on world gold prices. These results highlight the dominant role of currency dynamics compared to inflationary conditions and oil price fluctuations in determining gold price behavior during the observed period.
Financial Technology and Digital Tax Education at Yayasan Pendidikan Pangeran Antasari Saputri, Khana; Tina, Agus; Katharina, Ninta; Wiliam, Wiliam; Amir, Afriza
Wahana Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 2 (2025): Edisi Desember
Publisher : Ilmu Bersama Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56211/wahana.v4i2.1527

Abstract

The rapid development of financial technology (fintech) and the digitalization of tax administration have transformed financial services and public sector systems in Indonesia. These changes require young generations to develop adequate financial literacy and digital tax awareness, enabling them to use digital financial services safely and understand basic tax obligations. This community service program aims to provide education on secure fintech usage, identifying illegal financial platforms, and conducting tax payments through the Coretax application for Grade XI students at Yayasan Pendidikan Pangeran Antasari. The activities were carried out through socialization, lectures, discussions, and practical demonstrations involving 40 students. The results show a significant increase in students’ understanding of fintech benefits and risks, cybersecurity awareness, and digital tax procedures. The program also fostered early tax consciousness and appreciation of taxpayer responsibilities in the digital era. Overall, this initiative contributes to strengthening financial and digital tax literacy among future taxpayers.
Pengaruh Risiko Kredit, Kredit Macet, Dan Dana Pihak Ketiga Terhadap Profitabilitas Pada Masa New Normal: Studi Kasus Pada Bank Mandiri Taspen Kc Medan Abigail Theresa Sinaga; Jevon Monahan Giawa; Afriza Amir; Nur Ahmadi Bi Rahmani
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.8379

Abstract

Studi ini menganalisa pengaruh risiko kredit, kredit bermasalah (NPL), dan dana pihak ketiga (DPK) terhadap profitabilitas Bank Mandiri Taspen KC Medan pada masa normal baru tahun 2020–2023. Dengan metode kuantitatif dan analisis regresi linier berganda, studi ini menggunakan data sekunder dari laporan keuangan bank. Hasil penelitian menunjukkan bahwa dari ketiga variabel yang dikaji, hanya dana pihak ketiga yang berkontribusi signifikan positif terhadap profitabilitas yang diproyeksikan melalui Return on Asset (ROA). Temuan ini mengindikasikan bahwa peningkatan simpanan masyarakat dapat memperbesar kapasitas penyaluran kredit, yang pada akhirnya meningkatkan pendapatan bunga dan profitabilitas bank. Sebaliknya, risiko kredit dan NPL tidak menunjukkan pengaruh signifikan terhadap profitabilitas, kemungkinan karena manajemen risiko yang efektif dan kebijakan restrukturisasi kredit selama masa pemulihan pascapandemi. Hasil ini sejalan dengan penelitian sebelumnya yang menyoroti peran penting DPK dalam mendukung kinerja perbankan. Penelitian ini juga mengisi kesenjangan literatur dengan memfokuskan pada bank dengan segmen pasar khusus, yaitu pensiunan dan UMKM, yang sering kurang terwakili dalam studi perbankan. Temuan ini memberikan implikasi praktis bagi manajemen bank dalam merumuskan kebijakan strategis untuk menjaga stabilitas keuangan, meningkatkan mobilisasi dana, serta kontribusi akademik melalui bukti empiris periode transisi ekonomi
ANALISIS FAKTOR YANG MEMPENGARUHI PERGERAKAN HARGA EMAS DUNIA Amanda Yosephine Eka Putri; Afriza Amir; Angellia Angellia
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 2 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/yd1n7v17

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh inflasi, suku bunga, indeks S&P 500, dan indeks dolar Amerika Serikat terhadap pergerakan harga emas dunia. Emas merupakan salah satu instrumen investasi yang dianggap sebagai aset lindung nilai (safe haven), terutama pada kondisi ketidakpastian ekonomi global. Oleh karena itu, pemahaman mengenai faktor-faktor yang memengaruhi harga emas menjadi penting bagi investor dan pengambil kebijakan. Jenis penelitian ini adalah kuantitatif dengan pendekatan deskriptif dan asosiatif. Data yang digunakan merupakan data sekunder berupa data bulanan periode Januari hingga Desember 2024 yang diperoleh dari situs resmi seperti goldprice.org, tradingeconomics.com, dan yahoo. finance. Teknik analisis data menggunakan regresi linier berganda, yang didahului dengan uji asumsi klasik seperti uji normalitas, multikolinearitas, autokorelasi, dan heteroskedastisitas. Hasil penelitian menunjukkan bahwa keempat variabel independen, yaitu inflasi, suku bunga, indeks S&P 500, dan indeks dolar berpengaruh positif dan signifikan terhadap harga emas dunia. Temuan ini mengindikasikan bahwa dalam kondisi ekonomi global yang dinamis, faktor-faktor tersebut dapat mendorong kenaikan harga emas karena perannya sebagai alat lindung nilai terhadap risiko pasar
PENGARUH BIAS PERILAKU INVESTOR (OVERCONFIDENCE, HERDING, DAN FINANCIAL LITERACY) TERHADAP KEPUTUSAN INVESTASI SAHAM Puteri Hazlina Khasanah; Afriza Amir; Nur Ahmadi Bi Rahmani
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 2 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/cq399r46

Abstract

Penelitian ini bertujuan untuk menganalisis bias psikologis, yang dipresentasikan melalui variabel Overconfidence, dan Herding, serta kapasitas kognitif berupa literasi keuangan terhadap pengambilan keputusan investasi saham. Mengingat dominasi investor muda di pasar modal Indonesia, pemahaman mengenai faktor-faktor yang mendasari perilaku investasi menjadi sangat krusial untuk menciptakan ekosistem investasi yang sehat. Pendekatan kuantitatif dan teknik analisis regresi linear berganda merupakan teknik pendekatan yang digunakan dalam penelitian ini. Wujud dari data yang digunakan adalah melalui penyebaran kuesioner kepada 50 responden yang terdiri dari pegawai institusi keuangan di kota Medan dengan menggunakan teknik sampling jenuh. Hasil penelitian menunjukkan bahwa secara parsial, bias Overconfidence dan perilaku Herding tidak memiliki pengaruh signifikan terhadap keputusan investasi saham. Temuan ini mengindikasikan bahwa responden memiliki kemandirian analitis yang kuat dan tidak mudah terpengaruh oleh tren pasar maupun keyakikan diri yang berlebihan. Sebaliknya, Literasi Keuangan terbukti menjadi prediktor yang paling dominan dan berpengaruh signifikan terhadap kualitas keputusan investasi. Literasi keuangan berfungsi sebagai instrumen filtrasi yang mampu memitigasi dampak emosional dan memastikan keputusan investasi tetap berbasis pada data serta pertimbangan rasional. Secara simultan, integrasi anatara kontrol psikologis dan literasi keuangan mampu menjelaskan fluktuasi keputusan investasi dengan sangat baik.
THE ANALYSIS ON CANONICAL CORRELATION OF GLOBAL INDEX AND MACRO ECONOMY WITH INDONESIAN CAPITAL MARKET Amir, Afriza; Sadalia, Isfenti; Fachruddin, Khaira Amalia
Jurnal Ekonomi Bisnis Manajemen Prima Vol. 1 No. 2 (2020): Jurnal Ekonomi Bisnis Manajemen Prima
Publisher : JEBIM Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34012/jebim.v1i2.523

Abstract

Capital market is one of the media which gives the opportunity for individual and insttutional investors to invest. The Indonesia Stock Exchange and Indonesian capital market has 11 types of stock priced index which as continously spread through printed and electronic mass media, as one of the guidelines for investor to invest in capital market. The development of indonesian capital market (LQ45 Index and IHSG Index) is closely related to global index and macro economy. The objective of the reseach was to examine the canonical correlation of global index (Dow Jones Index and EIDO Index) and macro economy (Rupiah Exchange Rate and SBI interest rate) with indonesian capital market (LQ45 Index and IHSG Index). The sample were limited to the period of 2011-2013 (36 months).The data were analyzed by using canonical correlation at the significant level of 5%. The result of the research showed that global index (Dow Jones Index and E10) and macro economy (rupiah exchange rate and SBI interest rate) had significant correlation with indonesian capital market (LQ45 and IHSG), with canonical coefficients perfect weight for L045 (1.00) and almost perfect for JCI (0.98). This means that the Dow Jones. EIDO exchange rate, interest rate SBI has a significant positive relationship towards LQ45 Index and IHSG Index are listed on the Indonesia Stock Exchange in the period 2011 to 2013 Individually Dow Jones (0.67), EIDO (0.54) and Exchange Rate (0.37) has a positive relationship with the capital market indices Indonesia (L045 Index and IHSG Index), which means when the Dow Jones. EIDO, and Rupiah Exchange high, then LQ45 and IHSG will be high, or vice versa when the Dow Jones, EIDO, and Exchange Rate is low, then the Index will be lower LQ45 and IHSG. Instead SBI rate (-0.29) had a negative correlation with stock market indices Indonesia (LQ45 Index and IHSG Index), which means if the SBI interest rate is high, then LQ45 and IHSG will be low, or vice versa when the Indonesian interest rate is low, then LQ45 and IHSG will be high
THE EFFECT OF SOLVABILITY RATIO AND CURRENT RATIO ON PROFITABILITY AT CHEMICAL SECTOR COMPANIES LISTED IN THE INDONESIA STOCK EXCHANGE Amir, Afriza; Wuu, Beatrice
Jurnal Ekonomi Bisnis Manajemen Prima Vol. 1 No. 2 (2020): Jurnal Ekonomi Bisnis Manajemen Prima
Publisher : JEBIM Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34012/jebim.v1i2.854

Abstract

Indonesia as a developing country has experienced quite rapid development in several industrial sectors, especially in the plastic and packaging sectors, metals and components, ceramics, glass and wood porcelain, chemicals, pet food, paper and cement. In general, companies that are established by individuals or groups have a goal that is to obtain optimal profits with minimal costs, to achieve these goals, good and reliable management is needed to be able to manage the company so that production resources become more effective and efficient. Management that is not good will lead to various obstacles that have a bad impact. The study concluded that the Debt To Asset Ratio had no effect and was not significant, Working Capital has a positive and significant , Current Ratio has no effect and is not significant on Profitability.. Debt To Asset Ratio, Working Capital, Current Ratio has a positive and significant effect simultaneously
Co-Authors Abigail Theresa Sinaga Agung Anggoro, Muhammad Agustina Amanda Yosephine Eka Putri Angellia Angellia Antony Wijaya Aruan, Deasy Arisandy Baehaqi Beatrice Wuu BibRahmani, Nur Ahmadi Derman Giawa Enjelina Br Sembiring Evilia Citra Fachruddin, Khaira Amalia Fitriano, Andre Gea, Delvita Sari Ginting, Hardi Ronanda Ida Ayu Anjelica Sinaga Irti, Laury Khana Agricha isfenti sadalia Isfenti Sadalia Jarunjung Hutagaol Jevon Monahan Giawa Juwita Windasari Nduru Khaira Amalia Fachruddin Khana Saputri Kristi Endah Ndolisa Ginting Lidia Novia Tumangger Lina, . Martha Dinata Monika Apweni Ninta Katharina Nur Ahmadi Bi Rahmani Nur Ahmadi Bib Rahmani Nur Ahmadi Birahmani Puteri Hazlina Khasanah Rafida Khairani Rahmani, Nur Ahmadi Bi Rahmat Alamsyah Harahap Sinulingga, Windhy Paskani Tina, Agus Wiliam, Wiliam Wuu, Beatrice