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p-Index From 2021 - 2026
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All Journal Jurnal Ilmiah Manajemen Kesatuan Indonesian Community Journal
Imas Maesaroh
Universitas Terbuka, Indonesia
Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Environmental Science Public Health Social Sciences Other

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Behavioral Finance Perspective on Investment Interest of Indonesian Migrant Workers Imas Maesaroh; Andriyansah Andriyansah
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 2 (2026): JIMKES Edisi March 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i2.5171

Abstract

Indonesia’s population reached 284.43 million in 2025, with 69.25% in the productive age. However, relatively low domestic income levels have encouraged labor mobility among Indonesian migrant workers. Despite higher earnings abroad, improved welfare remains limited, largely due to inadequate financial literacy and suboptimal financial behavior. This study examines the effect of financial literacy and financial inclusion on investment interest, with financial behavior acting as a mediating variable. A quantitative survey approach was employed, targeting adult respondents with investment potential. Data were analyzed using Structural Equation Modeling to assess direct and indirect relationships among variables. This research contributes to the literature by integrating a behavioral finance perspective to explain investment interest formation among Indonesian migrant workers, particularly through testing the mediating role of financial behavior. The findings reveal that financial literacy and financial inclusion significantly influence investment interest both directly and indirectly through financial behavior. The results indicate that knowledge and access to financial services do not automatically translate into investment interest, rather, behavioral mechanisms serve as a crucial linkage. These findings support behavioral finance theory, emphasizing that investment decisions are shaped by behavioral characteristics beyond purely rational considerations.
Collaborative Needs Mapping for Small Business Digital Transformation and Sustainable Innovation in Pamulang Urban Communities, Indonesia Andi Sylvana; Imas Maesaroh; Dio Bimo Saputro; Novta Winkey Pradana
I-Com: Indonesian Community Journal Vol 6 No 3 (2026): I-Com: Indonesian Community Journal (September 2026)
Publisher : Fakultas Sains Dan Teknologi, Universitas Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70609/i-com.v6i3.10463

Abstract

Small businesses in urban buffer areas require community engagement programs that are responsive to local needs and support digital transformation. This article aims to analyze a Focus Group Discussion (FGD) and dissemination forum organized by Universitas Terbuka in Pamulang, South Tangerang, Indonesia, to identify development priorities and formulate a collaborative needs-mapping model. A descriptive qualitative community engagement approach was employed using activity documentation and thematic analysis of proposals and discussion outcomes compiled by the Universitas Terbuka team. The forum involved 45 participants representing eight urban villages, small business actors, local government, resource persons, and other relevant stakeholders. The analysis identified five priority intervention clusters: human resource and business management capacity, marketing and digitalization, product quality and packaging, facilities, legality and financing, and sectoral and environmental development. These findings provide an evidence-based foundation for designing collaborative, technology-oriented, and sustainable community engagement programs to strengthen the capacity and competitiveness of small businesses.
Co-Authors Andi Sylvana Andriyansah Andriyansah Dio Bimo Saputro Novta Winkey Pradana