Abstract:Abstract This study is motivated by the financial literacy of generation Z and also the quality of life insurance products in Indonesia which are moderated by gender in influencing a person's interest in buying life insurance…
surance in Indonesia. This study uses a quantitative method with a descriptive relationship approach. Determination of the sample in this study was carried out by calculating using the Bernoulli formula, with a total of 384 respondents. The data analysis technique used is the Structural Equation Model - Partial Least Square (SEM-PLS). The results of the study show that financial literacy (X1) and product quality (X2) do not have a significant effect on buying interest (Y) where the p-values of both variables are <0.05. Other findings also state that Gender (Z) does not significantly moderate financial literacy and product quality. The conclusion of this study is that the factors that make generation Z interested in buying insurance products are influenced by their perceptions of financial literacy and product quality. More specifically, the perception of product quality factors has a significant and positive influence on generation Z's interest in buying life insurance products in Indonesia. The findings show that of the two variables, product quality can be the strongest predictor in predicting generation Z's interest in purchasing life insurance products. Financial literacy cannot significantly predict generation Z's interest in purchasing insurance products.
Keywords : financial literacy, product quality, gender, purchasing intention
Abstract:The rapid transition to electric vehicles (EV) is driven by global environmental concerns and the need to reduce dependence on fossil fuels. In Indonesia, EV adoption faces challenges related to market dynamics, consumer…
behavior, and effective communication strategies. Marketing research and understanding consumer behavior aims to collect and obtain more detailed information and knowledge about customers towards electric vehicle products. Through this, it can understand customers and their tastes, preferences, reflect the future, and also help reduce the risk of product and business failure. Using Word of Mouth communication as part of a marketing strategy that can be carried out by companies in maintaining their business desires. In this article, the author tries to understand the concept of market research, consumer behavior, and the Word-of-Mouth communication model using a qualitative library observation approach, this study analyzes existing research on how these three factors contribute to the growth and long-term survival of the electric vehicle market. Market research provides insight into consumer preferences and market trends, offering important data to align EV products with consumer needs. Understanding consumer behavior is essential in overcoming perceived barriers, such as cost and infrastructure limitations, that hinder EV adoption. Meanwhile, word of mouth communication plays an important role in influencing consumer decisions by fostering trust and awareness of the benefits of EVs. The findings highlight the interconnections between these factors and their collective impact on the development of sustainable marketing strategies for EVs in Indonesia. This study provides valuable insights for stakeholders, including automotive companies and policymakers, in designing more effective marketing approaches that support the sustainable growth of the EV sector.
Abstract:Becoming a great entrepreneur in the global era is not as easy as flipping the palm of your hand. A successful and happy great entrepreneur is not solely determined by high academic performance, a high IQ, or attending a…
prestigious school. In fact, GPA, IQ, and attending a top school do not even rank among the top ten factors that guarantee someone will become a great and successful entrepreneur. What truly determines entrepreneurial greatness and success are soft skills. The top 10 soft skills referred to are: Honesty (Being honest with all people) ranked first, followed by Strong Discipline (Being well-disciplined); Sociability (Getting along with people); Support from a Partner (Having a supportive spouse); Hard Work (Working harder than most people); Passion for the Work (Loving my career/business); Leadership (Having strong leadership qualities); Competitive Personality (Having a very competitive spirit/personality); Well-Organized Life (Being very well-organized); and finally, Ability to Sell Ideas (Having an ability to sell my ideas/products). These ten soft skills will become even more meaningful when accompanied by a good heart, positive thinking, wise words, good deeds, good habits, positive culture, and strong character—all of which shape good fortune. Ultimately, good fortune begins with a good heart.
Abstract:This study aims to determine whether there is an influence between product image, user image, brand ambassador, promotion, price and product quality on consumer decisions to buy fashion product online in e-commerce of generation…
neration z at Bandar Lampung city. This study uses quantitative methods with multiple linear regression analysis. The number of samples in this study was 500. The method of collecting data is by distributing questionnaires using google forms as a medium. The results of the t test show that the product image variable has significant effect on purchasing decisions for buy fashion product with a tcount value greater than ttable (4,163 > 1,965), the user image variable has significant negative effect on purchasing decisions for buy fashion product with a tcount value greater than ttable (4,356 > 1,965), the brand ambassador variable has significant negative effect on purchasing decisions for buy fashion product with a tcount value greater than ttable (3,664 > 1,965), the promotion variable has significant effect on purchasing decisions for buy fashion product with a tcount value greater than ttable (5,255 > 1,965), the price variable has significant effect on purchasing decisions for buy fashion product with a tcount value greater than ttable (8,966 > 1,965), and product quality variables have a significant effect on purchasing decisions for buy fashion product products with a tcount value greater than ttable (11,077 > 1,965). Product image, user image, brand ambassador, promotion, price and product quality variables simultaneously affect the purchasing decisions for buy fashion product online in e-commerce of generation z at Bandar Lampung city.
Abstract:The processing of fisheries products, characterized by the diversification of processed goods, presents a promising avenue for entrepreneurial endeavors. Product diversification holds the potential to augment the intrinsic…
ic value of products and concurrently elevate public consumption of fisheries-related commodities. This research aims to analyze the prospective added value stemming from the pempek businesses in Melayu Sub-District, Tenggarong, Kutai Kertanegara. The acquired data underwent meticulous processing, tabulation, and subsequent analytical examination, characterized by both descriptive and value-added analyses, utilizing the Hayami model. The research showed that the managed pempek businesses are predominantly of small scale, utilizing relatively simple technology. On average, a single production cycle yields 126.64 kg, or monthly output of 633.2 kg. The value-added analysis reveals a figure of 186,734 IDR per kg, with a commendable value-added ratio of 70.95%. This signifies that the conversion of belida fish into pempek not only imparts substantial value but also presents a highly promising avenue for further expansion and development.
Abstract:The Indonesia-Malaysia-Thailand Growth Triangle (IMT-GT) is an important factor in the development of the halal food and industry sector in Thailand. Through collaborative efforts that promote knowledge sharing and best…
practices, technological advancements that enhance efficiency and transparency, regulatory frameworks that facilitate trade, and capacity-building initiatives that empower local enterprises, the Indonesian government has been able to enhance the quality and competitiveness of its products on the global market by sharing successful experiences and tactics in halal certification, product monitoring, and regulation. In this study, we adopted a qualitative approach to examine the contribution of the Indonesia-Malaysia-Thailand Growth Triangle in improving the quality of the food industry in Thailand. The qualitative findings provided a theoretical framework and conceptual dimensions, enhancing the understanding of how IMT-Growth Triangle initiatives influence the development and management of a sustainable dietary system in Thailand from the very beginning.
Abstract:The diversification of tofu waste into soft tempeh and tempeh starter in Teluk Sentosa Village aims to optimize the utilization of tofu waste while increasing community income. Through participatory training, the community…
ty is taught techniques for processing tofu waste into value-added products. The results indicate that the produced soft tempeh has a tender texture and high nutritional value, while the tempeh starter shows good fermentation activity. Marketing these products has led to a significant income increase of approximately 30% within three months post-training. Additionally, this initiative contributes to waste reduction and enhances community awareness regarding sustainable resource management. It is hoped that this program can continue and provide positive impacts on the economy and environment in the village.
Abstract:Technology company Apple Inc. is a market leader in IOS-based Smartphone sales. In market control, this company can quickly expand its sales wings with its official distributors to be able to reach several countries, especially…
ecially buyers. The resulting products have a fairly good strategic power targeting the middle to upper segments. The methodology is exposed that the marketing of the products used leads to premium services and digital media-based distribution. The strategy adopted by Apple Inc. has proven to be very effective because the introduction of products that have an exclusive image makes loyal customers wait for the presence of their products until they reach their official distributors. By conducting good research and development (R&D) on its product line, it makes it challenging to run the market to the global corner. This study provides strategy and understanding of the business perspective of Apple Inc. technology.
Abstract:Bread product sales have become an important aspect of the bakery business, influenced by fluctuations in demand that are not easily predictable. Efficient sales management requires a deep understanding of sales patterns.…
. This study aims to optimize bread product sales by using the K-Means Clustering algorithm to analyze daily sales performance at Toko Roti Amin. The data used includes sales volume and transaction frequency for bread products, consisting of 356 data points. The results show that the bread products can be grouped into three clusters: 129 data in the “Good Sales” cluster, 28 data in the “Moderate Sales” cluster, and 199 data in the “Low Sales” cluster. These findings assist bakery owners in managing stock, production planning, and more targeted marketing strategies. Although there are limitations in using K-Means Clustering, such as dependence on the initial centroid selection, this study proves that applying this technique can enhance inventory management and maximize profit in the bakery business.
Abstract:Technological advances support digital transformation in sales data management. Wan Toys & Sport stores face difficulty understanding sales patterns, such as the highest sales months and most popular products. This research…
rch uses the K-Means clustering method with the CRISP-DM approach to group sports products based on their sales level. The analysis results show that this method is able to divide products into three categories: high, medium and low, thus providing strategic insight for stock management and marketing. Products with high sales are prioritized for stock, while products with low sales are targeted for promotion. This method effectively supports operational efficiency and data-based decision making at Wan Toys & Sport stores.