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All Journal Jurnal Pendidikan Indonesia (Japendi) Jurnal Sipakatau
Wirasmi Wardhani
Universitas Mulawarman, Indonesia
Religion Arts Humanities Computer Science & IT Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Physics Social Sciences Veterinary Other

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Smart Investment Awareness: Introducing Safe and Productive Investment for Millennials Wirasmi Wardhani; Muhammad Amin Kadafi; Ike Purnamasari; Arvita Rachmawaty; Irsan Tricahyadinata
Jurnal Sipakatau: Inovasi Pengabdian Masyarakat Vol. 2 No. 2 (2025): February
Publisher : PT. Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61220/jsipakatau.v2i2.253

Abstract

The level of investment literacy among millennials is a crucial factor in personal financial management and long-term financial well-being. This study aims to analyze investment literacy levels, factors influencing investment interest, and the challenges faced by millennials in Balikpapan when investing. The research method employed is a survey with a quantitative approach targeting millennial respondents residing in Balikpapan. The findings indicate that most respondents have a basic understanding of investment, but it is still limited to common instruments such as time deposits and savings accounts. Their comprehension of portfolio diversification, risk management, and investment analysis remains low. The primary sources of information come from social media and seminars/webinars, while consultations with financial experts are rarely conducted. The factors influencing investment interest include perceived high risk, limited capital, and the influence of social environments and media. The main challenges faced are the lack of formal investment education and economic constraints. As a solution, this study recommends enhancing investment literacy through digital-based education, collaboration with financial institutions, and providing consultation or mentoring services.
The Influence of Liquidity, Solvency, And Foundation Size on Profitability with Perception-Based Financial Management as a Moderating Variable at the Al Istiqamah Integrated Education Foundation Balikpapan Andi Nur' Ana; F Defung; Wirasmi Wardhani
Jurnal Pendidikan Indonesia Vol. 6 No. 11 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i11.8822

Abstract

This study aims to analyze the influence of liquidity, solvency and foundation size on profitability with perception-based financial management as a moderating variable at Yayasan Pendidikan Al Istiqamah Terpadu Balikpapan (YPAITB). The research employs a quantitative approach using a case study design, where primary data were collected through Likert-scale questionnaires distributed to 31respondents consisting of foundation leaders and financial managers. Data were analyzed using Moderated Regression Analysis (MRA) and complemented by a financial trend analysis covering the period 2014-2023. The results show that perceived liquidity and solvency have positive but insignificant effects in profitability, while foundation size (number of students) has a positive and significant effect, indicating that student growth contributes to operational surplus. Moreover, financial management  does not moderated the relationships between liquidity, solvency and foundation size with profitability, suggesting that the moderating hypotheses are not supported. The trend analysis reveals that YPAITB’s liquidity and solvency remained relatively stable from 2014-2023, while profitability declined temporarily due to facility expansion and relocation but improved afterward as asset utilization became more efficient. The study concludes that effective financial management and student capacity growth are critical factors in sustaining financial performance in educational foundations. Theoritically, the findings reinforce the relevance of Financial Sustainability Theory and the Resource-Based View (RBV) in nonprofit contexts. Practically, the study recommends improving financial mangement competencies, strengthening technology-based governance, and focusing on student growth strategies to enhance long-term financial sustainability.
Co-Authors Andi Nur' Ana Arvita Rachmawaty F Defung Ike Purnamasari Irsan Tricahyadinata Muhammad Amin Kadafi