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All Journal Jurnal Sipakatau Pinisi Journal of Entrepreneurship Review
Arvita Rachmawaty
Universitas Mulawarman, Indonesia
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Engineering Environmental Science Health Professions 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.
Examining the Effects of Need for Achievement and Locus of Control on Entrepreneurial Intention Through Entrepreneurial Attitude Abdul Rauf Alwi; Arvita Rachmawaty; Erwin Setiawan
Pinisi Journal of Entrepreneurship Review Vol. 3 No. 3 (2025): Pinisi Journal of Entrepreneurship Review
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/pjer.v3i3.346

Abstract

Unemployment remains a persistent challenge in developing economies and has increased the importance of entrepreneurship as a pathway for job creation and economic participation. This study examines the direct and indirect effects of need for achievement and locus of control on entrepreneurial intention, with entrepreneurial attitude serving as a mediating variable. A quantitative explanatory approach was employed to analyze the relationships among the proposed variables. The study involved 103 respondents selected through proportional random sampling from a target population of 600 participants in a higher education setting. The findings indicate that need for achievement, locus of control, and entrepreneurial attitude have significant effects on entrepreneurial intention, both directly and indirectly. The results further suggest that entrepreneurial attitude functions as an important psychological mechanism that strengthens the influence of achievement orientation and perceived personal control on entrepreneurial intention. These findings imply that efforts to foster entrepreneurial intention should not only focus on entrepreneurial knowledge and business skills, but also on strengthening internal motivation, personal control beliefs, and positive attitudes toward entrepreneurship. This study offers practical implications for educators and higher education institutions in designing entrepreneurship development programs that support psychological readiness, decision-making capability, and entrepreneurial orientation. The study also provides a basis for future research to expand the model by incorporating broader variables and more advanced methodological approaches.
Co-Authors Abdul Rauf Alwi Erwin Setiawan Ike Purnamasari Irsan Tricahyadinata Muhammad Amin Kadafi Wirasmi Wardhani