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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 Putri, Amanda Yosephine Eka; Amir, Afriza; 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
Co-Authors Abigail Theresa Sinaga Agung Anggoro, Muhammad Agustina Angellia, Angellia Antony Wijaya Aruan, Deasy Arisandy Baehaqi Beatrice Wuu BibRahmani, Nur Ahmadi Derman Giawa Enjelina Br Sembiring Evilia Citra Fitriano, Andre Gea, Delvita Sari Ginting, Hardi Ronanda Ida Ayu Anjelica Sinaga Irti, Laury Khana Agricha Isfenti Sadalia Jarunjung Hutagaol Jevon Monahan Giawa Juwita Windasari Nduru Katharina, Ninta Khaira Amalia Fachruddin Khana Saputri Kristi Endah Ndolisa Ginting Lidia Novia Tumangger Lina, . Martha Dinata Monika Apweni Nur Ahmadi Bi Rahmani Nur Ahmadi Bib Rahmani Nur Ahmadi Birahmani Putri, Amanda Yosephine Eka Rafida Khairani Rahmani, Nur Ahmadi Bi Rahmat Alamsyah Harahap Saputri, Khana Sinulingga, Windhy Paskani Tina, Agus Wiliam, Wiliam