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p-Index From 2021 - 2026
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All Journal Nusantara Hasana Journal Inovasi Sosial: Jurnal Pengabdian Masyarakat
Sally Maya Vida
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Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Engineering Nursing

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MODEL PERILAKU KEPUTUSAN INVESTASI GENERASI Z DI SUMATERA UTARA: ANALISIS FINANCIAL PERSONALITY TRAITS DAN RISIKO PERCEIVED Sally Maya Vida; Dina Hastalona
Nusantara Hasana Journal Vol. 5 No. 7 (2025): Nusantara Hasana Journal, December 2025
Publisher : Yayasan Nusantara Hasana Berdikari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59003/nhj.v5i7.1764

Abstract

his study aims to examine the influence of financial personality traits and risk perceived on investment decision-making behavior among Generation Z in North Sumatra. The increasing participation of young investors through digital investment platforms highlights the need to understand psychological factors that shape their financial decision-making patterns. A quantitative approach was employed, using primary data collected from 247 Generation Z respondents selected through purposive sampling. Data analysis was conducted using Structural Equation Modeling with the Partial Least Squares (SEM–PLS) method. The findings reveal that financial personality traits have a significant and positive effect on investment decision-making behavior, indicating that self-control, risk tolerance, and future orientation serve as key determinants of investment choices among young investors. Risk perceived also shows a significant effect, demonstrating that higher levels of perceived risk tend to reduce the likelihood of making aggressive investment decisions. The model explains 48,7% of the variance in investment decision-making behavior, indicating strong explanatory power. This research contributes empirical evidence that psychological factors play a critical role in shaping the investment behavior of Generation Z, particularly in emerging regional contexts such as North Sumatra. The findings are expected to support the development of more adaptive and personality-based financial literacy strategies and provide direction for future studies to incorporate broader contextual variables.
Pengabdian Mandiri Kemitraan Masyarakat Pendampingan Akuntansi Sederhana untuk Mendukung Kualitas Layanan pada Tenank Cafe Medan Muhammad Zuardi; Sally Maya Vida; Raina Rosanti; Sabarita Tarigan; Heddy Heddy
Inovasi Sosial : Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2026): Mei : Inovasi Sosial : Jurnal Pengabdian Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/inovasisosial.v3i2.3237

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting national economic growth, particularly in the culinary sector. However, many MSME entrepreneurs still face challenges in financial management due to the lack of proper implementation of simple accounting systems. Tenank Cafe Medan is one of the culinary businesses with strong growth potential, yet it continues to experience difficulties in transaction recording, cash flow management, and the preparation of simple financial statements, which affect the quality of business services. Therefore, this Community Partnership Independent Service Program (PMKM) aims to provide assistance in simple accounting practices to improve service quality at Tenank Cafe Medan. The program was implemented through observation, socialization, training, direct practice, and mentoring activities. The materials included transaction recording, cash book preparation, simple income statements, and cash flow management. The results show an improvement in the partner’s understanding and ability to manage finances systematically. Better financial management has also contributed to improving operational management and customer service quality. Thus, this program positively supports business management strengthening and service quality improvement at Tenank Cafe Medan.
Co-Authors Diena Fadhilah Dina Hastalona Heddy Heddy, Heddy Muhammad Zuardi Raina Rosanti Rehulina Bangun SABARITA TARIGAN Supaino Supaino