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All Journal Prima Ekonomika : Jurnal Ekonomi dan Bisnis Journal of Community Service and Empowerment
Ferdiyantoro, Suryo
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Digital Credit Risk Management Training: An Introduction to Online Loans and Paylater Services for Generation Z Fathihani, F.; Meutia, Kardinah Indrianna; Rahmat, R.; Ferdiyantoro, Suryo; Kurniati, Mira
Journal of Community Service and Empowerment Vol. 7 No. 1 (2026): April
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jcse.v7i1.44479

Abstract

Generation Z, often referred to as the internet generation (iGen), born between 1997 and 2012, is a generation deeply immersed in technological advancements. The rapid development of technology across various financial sectors has meant that Generation Z is also a generation that is enjoying the shift from traditional financial services to digital financial services, such as online loans and paylater schemes. Online loans are services that make it easy for users to borrow money online, whilst paylater schemes allow users to obtain the products or services they desire first and make payment at a later date. The rising incidence of non-performing loans in online lending and paylater services is driven by materialistic tendencies such as compulsive buying, a propensity for debt, and ‘flexing’, as well as the phenomenon of Fear of Missing Out (FOMO) – the fear of appearing outdated on social media – which often leads Generation Z to view online lending as a quick alternative to sustain their lifestyle. Given this urgency, this Community Service (PkM) activity aims to enhance Generation Z’s understanding of digital credit risks through financial risk management training, an introduction to the mechanisms of online loans and paylater services, and the fostering of wiser financial behaviour. The partners for this activity are students from SMK Budi Perkasa in the Tambun area of Bekasi. The implementation of the PkM comprises three stages: preparation, implementation, and evaluation. The outcomes of the ‘ ’ PkM activity were evaluated using pre- and post-tests, and the results indicate that interactive and practical training is highly effective in enhancing participants’ knowledge of digital credit risk management. Overall, this PkM activity successfully achieved its set objectives and had a positive impact on changes in students’ financial knowledge and attitudes.
PENGARUH PENGUNGKAPAN ESG TERHADAP NILAI PERUSAHAAN DENGAN KINERJA KEUANGAN SEBAGAI VARIABEL MODERASI PADA EMITEN INDEKS SRI-KEHATI Fathihani; Randyantini, Vely; Ferdiyantoro, Suryo; Hafisah, Durotun
PRIMA EKONOMIKA Vol. 17 No. 1 (2026): Jurnal Prima Ekonomika
Publisher : STIE "YKP" YOGYAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37330/prima.v17i1.390

Abstract

Pandemi Covid-19 sejak akhir 2019 telah memicu ketidakstabilan ekonomi global dan menurunkan kepercayaan investor, yang tercermin pada melemahnya aktivitas pasar modal di Indonesia. Kondisi ini mendorong pergeseran preferensi investor dari orientasi jangka pendek menuju pertimbangan keberlanjutan melalui pengungkapan Environmental, Social, and Governance (ESG). Penelitian ini bertujuan menganalisis pengaruh pengungkapan ESG terhadap nilai perusahaan serta menguji peran kinerja keuangan sebagai variabel moderasi. Objek penelitian adalah perusahaan yang tergabung dalam indeks SRI-KEHATI periode 2020–2024 dengan pendekatan kuantitatif menggunakan data sekunder. Analisis dilakukan dengan regresi data panel dan Moderated Regression Analysis (MRA). Hasil penelitian menunjukkan bahwa dimensi sosial dan tata kelola berpengaruh positif terhadap nilai perusahaan, sedangkan dimensi lingkungan tidak menunjukkan pengaruh signifikan. ROA berpengaruh positif terhadap nilai perusahaan dan berperan sebagai variabel moderasi yang memperkuat hubungan antara aspek sosial dan tata kelola dengan nilai perusahaan, namun tidak pada aspek lingkungan. Temuan ini menegaskan bahwa investor lebih responsif terhadap kombinasi kinerja sosial, tata kelola, dan profitabilitas dalam menentukan nilai perusahaan
Co-Authors Fathihani Fathihani, F. Hafisah, Durotun Kurniati, Mira Meutia, Kardinah Indrianna Rahmat, R. Randyantini, Vely