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All Journal Budimas : Jurnal Pengabdian Masyarakat NEAR: Jurnal Pengabdian kepada Masyarakat JAT (Journal of Accounting and Tax) Ekopedia: Jurnal Ilmiah Ekonomi Jurnal Ilmiah Ekonomi dan Manajemen Indonesia
Rina Susanti
Universitas Slamet Riyadi
Religion Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Library & Information Science Nursing Public Health Social Sciences Transportation Other

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 1 
URGENSI INVESTASI: EDUKASI LITERASI KEUANGAN BAGI IBU RUMAH TANGGA Rina Susanti; D Ririn Indriastuti; Rina Wulandari
NEAR: Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 1 (2025): NEAR
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/nr.v5i1.3203

Abstract

Housewives has an important role in managing household management in order to achieve family happiness and prosperity. One of the important roles of a housewife is managing family finances. This is based on the fact that it is the housewife who often plays the role of managing the income received by the family which is then managed to meet the family's needs. Considering the important role of housewives in managing family finances, financial literacy is very important for housewives themselves. The financial literacy education carried out includes socialization and assistance to housewives in managing household finances. The socialization material includes the distribution of income for consumption needs, emergency fund savings, and investment for future financial planning, as well as social needs such as zakat and mandatory contributions. Next, assistance is provided for housewives who are willing and still have problems in managing their finances and therefore require further consultation and guidance. By carrying out this activity, it is hoped that the financial literacy of housewives, especially in Joglo sub-district, can increase. This can then be followed by increasing family welfare through better financial management
Pengaruh Financial Literacy, Parental Financial  Behavior Dan Herding Behavior Terhadap   Keputusan Investasi Saham Annisa Novita Sari; Rina Susanti
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/hs62rg17

Abstract

This study aims to analyse the influence of financial literacy, parental financial behaviour, and herding behaviour on stock investment decisions among students at the Faculty of Economics and Business, Slamet Riyadi University, Surakarta. Using a quantitative approach, primary data was collected through a questionnaire distributed to 100 respondents selected using purposive sampling techniques. Data analysis was conducted comprehensively through descriptive analysis, multiple linear regression, and hypothesis testing using t-tests, F-tests, and the coefficient of determination ($R^2$). The t-test results showed that the three independent variables partially had a significant effect on stock investment decisions, as evidenced by the p-values obtained for financial literacy (0.000), parental financial behaviour (0.000), and herding behaviour (0.002), all of which were below the significance level of 0.05
Pemberdayaan UMKM Keripik melalui Pendampingan Pencatatan Keuangan Sederhana dan Perhitungan Harga Pokok Produksi di Pedan, Klaten Ida Ayu Fatmayuni; Rina Susanti
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 8 No. 1 (2026): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v8i1.18970

Abstract

UMKM keripik milik Ibu Umi di Kecamatan Pedan, Kabupaten Klaten, telah beroperasi sejak tahun 2011 dengan memproduksi keripik pisang, sukun, dan singkong. Meskipun memiliki permintaan yang stabil, pengelolaan keuangan usaha masih dilakukan secara informal tanpa pencatatan transaksi harian dan tanpa perhitungan Harga Pokok Produksi (HPP), sehingga pemilik usaha tidak mengetahui laba bersih, struktur biaya, maupun margin keuntungan per produk. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas pengelolaan keuangan UMKM melalui pendampingan pencatatan keuangan sederhana dan perhitungan HPP berbasis pembukuan manual. Pendekatan yang digunakan adalah pelatihan dan pendampingan berbasis praktik langsung dengan penyusunan buku kas manual, laporan laba rugi sederhana, serta perhitungan HPP per produk menggunakan metode biaya total. Hasil kegiatan menunjukkan bahwa UMKM mampu menerapkan pencatatan kas harian secara konsisten, menyusun laporan laba rugi bulanan, serta menghitung HPP untuk setiap jenis produk. Perhitungan HPP menunjukkan bahwa keripik pisang dan keripik singkong memiliki margin laba tertinggi, sedangkan keripik sukun tetap menguntungkan setelah dilakukan penyesuaian harga jual. Secara keseluruhan, kegiatan ini meningkatkan literasi keuangan pemilik usaha, memperjelas struktur biaya dan keuntungan, serta mendukung pengambilan keputusan usaha berbasis data untuk keberlanjutan UMKM.
INVESTMENT GALLERY ROLE IN MODERATING FINTECH, FINANCIAL LITERACY, AND RISK TOLERANCE ON STOCK INVESTMENT DECISIONS Rina Susanti; Dorothea Ririn Indriastuti
JAT : Journal Of Accounting and Tax Vol. 5 No. 2 (2026): Special Issue
Publisher : Universitas Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36563/y364q990

Abstract

Stock investment has become increasingly popular among university students. This trend is driven by the role of the Indonesia Stock Exchange (IDX) in providing education and Investment Gallery facilities across various universities. These galleries serve as practical hubs for students to gain hands-on knowledge, enabling them to understand the mechanisms of the stock market and the practicalities of investing. This development is particularly relevant given the rapid advancement of technology and the ease of access to online trading platforms. Students who are well-educated both in theory and practice are expected to become the stock investors of the future. This is crucial for increasing the number of retail investors in Indonesia, which remains significantly lower in percentage compared to more developed nations. Consequently, this study aims to determine whether financial technology, financial literacy, and risk tolerance significantly influence investment decisions. Furthermore, it examines whether Investment Gallery educational facilities act as a moderator that strengthens or weakens the impact of financial technology, financial literacy, and risk tolerance on investment decisions.
Pengaruh Literasi  Keuangan, Financial Technology, Toleransi  Risiko, dan Herding Behavior  Terhadap Keputusan Investasi  Saham  Generasi Z  di Kota Surakarta Mei Sindi Antika; Rina Susanti
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/brnccm38

Abstract

This survey research aims to analyze the effects of financial literacy, financial technology, risk tolerance, and herding behavior on stock investment decisions among Generation Z in Surakarta City. A quantitative approach was employed using primary data collected through questionnaire distribution. The study population comprised Generation Z individuals in Surakarta City, with the exact population size being unknown. Sampling was conducted using a purposive sampling technique based on the criteria of being at least 17 years old and possessing an investment account, yielding a sample size of 96 respondents. The research instrument was evaluated through validity, reliability, and classical assumption tests. Data analysis was performed using multiple linear regression, t-test, F-test, and the coefficient of determination (R2). The findings reveal that financial literacy, financial technology, and risk tolerance partially have a significant effect on stock investment decisions. Conversely, herding behavior does not exert a significant effect on stock investment decisions. The F-test yielded an F-statistic of 22.279 (p < 0.05), indicating that the regression model is fit and suitable for predicting investment decisions. The Adjusted R2 value of 0.506 demonstrates that financial literacy, financial technology, risk tolerance, and herding behavior collectively account for 50.6% of the variance in Generation Z's stock investment decisions, while the remaining portion is influenced by factors beyond the model.
Pengaruh Gaya Hidup, Literasi Keuangan, dan Persepsi Kemudahan Penggunaan Terhadap  Perilaku Konsumtif Pengguna Buy Now Paylater (BNPL) pada Generasi Z  di Surakarta Kanaya Poja Sapna Suryaningrum; Rina Susanti
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/ntjf5728

Abstract

This study aims to analyze the significance of the effects of lifestyle, financial literacy, and perceived ease of use on the consumptive behavior of Buy Now Pay Later (BNPL) users among Generation Z in Surakarta. The type of data used is quantitative. The data source used in this study is primary data. The sample in this study consists of 100 respondents, collected using the purposive sampling method. Data collection techniques in this study involve questionnaires and literature reviews. The research instrument testing uses multicollinearity, autocorrelation, heteroscedasticity, and normality tests. Data analysis techniques used in this study include multiple linear regression, classical assumption tests, t-test, F-test, and the coefficient of determination (R2). The results of the validity and reliability tests show that all statements regarding lifestyle, financial literacy, and perceived ease of use toward consumptive behavior are declared valid because the p-value < 0.05 and reliable because Cronbach's alpha > 0.60. The result of multiple linear regression analysis from this study is Y = 22.212 + 0.369 X₁ - 0.612 X₂ + 0.482 X₃ + e. The t-test results show significance toward the consumptive behavior of Buy Now Pay Later (BNPL) users among Generation Z in Surakarta. The F-test results show that the model is appropriate in predicting the effects of lifestyle, financial literacy, and perceived ease of use on the consumptive behavior of Buy Now Pay Later (BNPL) users among Generation Z in Surakarta. The results obtained from the coefficient of determination (R2) are 0.372, meaning that the contribution of the independent effects of X1 (lifestyle), X2 (financial literacy), and X3 (perceived ease of use) toward Y (consumptive behavior) is 37.2%, while the remaining (100% - 37.2%) = 62.8% is influenced by other variables not included in this study.
Pengaruh Literasi Keuangan, Pendapatan, dan Toleransi Risiko Terhadap Minat Berinvestasi Emas Fisik di Surakarta Shiva Anggraini; Rina Susanti
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/pjtkv781

Abstract

This research is a survey study conducted on the community of Surakarta City who own physical gold for investment purposes. The aim of this study is to examine the influence of financial literacy, opinions, and risk tolerance on investment interest in Surakarta. The type of data used is quantitative data from primary sources. Data collection was done through distributing questionnaires to respondents who meet the research criteria. The population in this study is the community of Surakarta City, with a sample determined using purposive sampling, namely respondents who reside in Surakarta, are at least 18 years old, and own physical gold intended for investment. The sample size used was 96 respondents. The collected data has been tested for validity and reliability. The data analysis techniques used include multiple linear regression analysis, classical assumption tests, t-test, f-test, and the coefficient of determination (R2). The research results show that financial literacy does not have a significant effect on the interest in investing in physical gold in Surakarta, while income and risk tolerance do have a significant effect on the interest in investing in physical gold in Surakarta. These findings indicate that people's interest in investing in gold is more influenced by their financial capability and readiness to face investment risks rather than their level of financial literacy. Moreover, collectively, financial literacy, income, and risk tolerance affect the interest in investing in physical gold in Surakarta.   
Co-Authors Annisa Novita Sari D Ririn Indriastuti Dorothea Ririn Indriastuti Ida Ayu Fatmayuni Kanaya Poja Sapna Suryaningrum Mei Sindi Antika Rina Wulandari Shiva Anggraini