Abstract:This study aims to analyze the determinants of Propensity to Indebtedness among civil servants (ASN) and employees/entrepreneurs in Indonesia. The main focus of the research includes the influence of financial behavior biases,…
iases, emotions, culture, and materialism on the tendency to incur debt, as well as how financial literacy, job security, and religiosity moderate these relationships. A quantitative approach was used in this study, employing an ex post facto design supported by a survey questionnaire. Primary data were collected through an online questionnaire distributed via Google Forms, with 400 respondents selected through simple random sampling. The results show that financial behavior biases, such as overconfidence and aversion regret, have a positive and significant effect on Propensity to Indebtedness. Emotions and culture also have significant influences, where emotional impulsivity and consumption-driven cultural values affect the tendency to incur debt. Materialism was found to strongly influence decisions to incur debt to fulfill lifestyle needs. Additionally, the moderating effect of financial literacy strengthens the relationship between financial behavior biases and Propensity to Indebtedness, indicating that better financial understanding helps individuals make wiser decisions. Job security also strengthens this relationship by providing emotional and financial stability. On the other hand, religiosity weakens the influence of emotions and materialism on Propensity to Indebtedness, although practical approaches are still needed to strengthen these effects. This research contributes academically by expanding insights into financial behavior and debt management, and it provides practical implications for the development of effective financial education programs aimed at improving financial literacy among Indonesian society.
Abstract:The digital era has driven the development of social media platforms as a means of transaction known as social commerce. TikTok Shop is one of the platforms that is increasingly in demand by consumers for online shopping,…
, so it is important to understand the factors that influence social commerce and purchase intention. This study aims to analyze the effect of accessibility and promotion on social commerce, as well as its impact on purchase intention on TikTok Shop users in Sukabumi Regency. With a quantitative approach, this study involved 140 respondents who had made at least three purchases. The data analysis technique used Structural Equation Modeling (SEM) with the AMOS program. The results of the study indicate that social commerce has a significant effect on accessibility (P Value = 0.000; CR = 4.443) and promotion (P Value = 0.034; CR = 2.116). In addition, purchase intention also has a significant effect on social commerce (P Value = 0.000; CR = 4.513) and accessibility (P Value = 0.049; CR = 1.972). However, purchase intention does not have a significant effect on promotion (P Value = 0.304; CR = 1.027). This study strengthens previous findings that show the importance of social commerce in increasing accessibility and promotion, as well as the relevance of purchase intention in influencing social commerce and accessibility. The implications of this study can help business actors to design more effective marketing strategies, especially through social media platforms such as TikTok Shop.
Abstract:The incorporation of technology in economic education yields numerous advantages, such as enhanced accessibility, more engaging instruction, and the cultivation of data analytic competencies pertinent to the professional…
realm. Numerous studies address the incorporation of technology in education; nevertheless, research focusing on the integration of technology in economic education remains few. This study is to examine and elucidate the use of technology in economic education. The employed research methodology was quantitative, utilizing a sample of 142 participants, comprising lecturers and students from the 3rd, 5th, and 7th semesters of the Faculty of Economics at the University of Muhammadiyah Sukabumi. The data gathering method is a questionnaire disseminated to participants via Google Forms, while the data analysis employs multiple linear regression. The study's results indicate a substantial favorable impact of technology integration in economic education, with an influence of 67%. This research contributes by providing references in education, particularly with the incorporation of technology in economics instruction.
Abstract:This study aims to analyze the effect of digital infrastructure on student learning outcomes at SD Albirru, Sukabumi Regency. Adequate digital infrastructure is believed to increase the effectiveness of learning, which leads…
eads to improved student academic outcomes. This study uses a quantitative approach with a descriptive correlational research design. The research sample consisted of teachers and parents of students involved in digital learning at SD Albirru, with a total of 50 respondents selected using a census sampling technique where the entire population was sampled. Data were collected through closed questionnaires that had been tested for validity and reliability, then analyzed using multiple regression with the help of SPSS 26. The results of the study indicate that digital infrastructure has a significant positive effect on student learning outcomes, where improving the quality of digital infrastructure (such as stable internet access, adequate hardware, and digital learning platforms) contributes to improving student academic outcomes. This finding is in line with previous studies that emphasize the importance of digital infrastructure in supporting more effective learning. Based on the results of the study, it is recommended to improve the quality of digital infrastructure in schools to create a more interactive and enjoyable learning environment. This study also contributes to the development of technology-based education policies at the elementary school level.
Abstract:Research on consumer satisfaction through purchasing decisions with credibility and electronic word-of-mouth (e-WOM) on Shopee users in Sukabumi Regency has been widely conducted, but few have analyzed the relationship in…
n depth between these variables. The purpose of this study is to analyze and explain the influence of credibility and e-WOM on purchasing decisions that have an impact on consumer satisfaction. The research method used is quantitative. The population in this study were active Shopee users in Sukabumi Regency, and the sample was taken using a non-probability method of 130 respondents. Data were collected through an online questionnaire (Google Form). The analysis technique used was Structural Equation Modeling (SEM). The results showed that there was a significant influence of credibility and e-WOM on purchasing decisions and consumer satisfaction, with a coefficient of determination of 70.3% for purchasing decisions and 41.1% for consumer satisfaction. The contribution of this study is to provide recommendations to e-commerce business actors to strengthen credibility and utilize e-WOM in an effort to increase consumer satisfaction, as well as assist researchers in developing further studies related to consumer behavior on e-commerce platforms.
Abstract:Financial technology integration can influence unemployment rates in various ways, such as expanding access to the labor market through online platforms, creating new jobs within the financial technology sector itself, or…
r increasing labor market efficiency through technologies such as job matching platforms. Macroprudential policy refers to the steps taken by financial authorities to manage systemic risks in the financial sector. In the context of the Phillips curve, these policies can have a direct or indirect effect on the unemployment rate through their influence on financial system stability and economic growth. In relation to ASEAN countries with the highest unemployment rates, testing this model will pay attention to structural, demographic and economic differences between these countries. These factors will influence how financial technology and macroprudential policy interact with the unemployment rate in each country. The results of this test provide valuable insights for policymakers in ASEAN countries with high unemployment rates. They can use this information to design more effective policies in promoting economic growth and reducing unemployment rates through the appropriate application of financial technology and macroprudential policies.
Abstract:Workload is a responsibility that each worker has to take on, but if the workload has an excessive quantity in many ways, it will certainly have a negative impact on the workers concerned. It is caused by all forms of workload…
rkload that can provide its own pressure for female employees with all the demands that exist, such as one of which is that female employees must still be able to perform stable or good performance in accordance with existing standards. In this situation, an ability called resilience is needed. Resilience will allow a person to keep standing upright in the face of existing problems and actively seek solutions to the problems being faced. Good resilience can greatly help female employees to be able to optimize their work, even in difficult times so that it has an impact on their health both physically and mentally, and affects the success achieved in interacting with their environment and remaining productive in carrying out their responsibilities to the fullest. Female employees who have resilience are certainly supported by a factor such as emotional intelligence that can help female employees increasingly have an awareness of the importance of resilience when facing existing difficulties. This study aims to determine the effect of emotional intelligence on resilience owned by female employees, especially those at PT "X" East Jakarta. This study involved 40 employees at PT "X" East Jakarta. The measuring instruments used in this study are resilience scale and emotional intelligence scale. The results of simple regression analysis show that emotional intelligence has a positive influence on resilience owned by employees at PT "X" East Jakarta. Emotional intelligence affects a person's level of resilience. The implication of this research is that can provide information to employees at PT "X" East Jakarta and or general readers who have the same condition to be more aware of the importance of having resilience and knowing the emotional intelligence factors that exist to still be able to help further improve resilience when in a difficult situation or condition such as pressure or a lot of workload.
Abstract:The study aims to show diverse ways of autism management in Ghana by exploring the potential benefits of using creative art forms as a therapeutic approach in special needs education with the help of assistive technology.…
. Many individuals with autism face challenges in sensory processing. There is a growing need for effective intervention and support for people with autism in special education using creative art forms in Ghana. Creative arts such as painting, sculpture and poetry have shown promises in promoting communication, self-confidence, creativity, social interaction and emotional expression in people with autism. These art forms provide powerful tools for autistic people to interact with their friends and families around them in Ghana and the world with the help of assistive technology. The study explored the different approaches, methods and results of these interventions by using qualitative multiple case studies at Little Haven School and Evergreen Autistic Academy in Ghana. The study employed photographs, interviews and observations as research instruments. The results of this study contribute to the development of evidence-based practices which helps inform policy makers, educators, therapists and other stakeholders involved in autism support. Ultimately, the goal is to improve the well-being and quality of life of people with autism in Ghana and their families by promoting inclusive and accessible interventions that harness the power of creative art forms using assistive technology.
Abstract:This study analyzes the construction of traumatic marriage reality in early adulthood in Medan City following parental divorce, focusing on intrapersonal communication. The research also explores the forms of traumatic marriage…
arriage experiences in this context. The study employs the theories of reality construction, family communication, intrapersonal and interpersonal communication, reasoned action, social judgment, trauma, marriage, divorce, and early adulthood. Using a constructivist paradigm and qualitative descriptive method, the study involved five informants: two aged 24, two aged 25, and one aged 19. The results reveal that four informants construct marriage as complex, burdensome, and not a life goal, while one informant shifted from subjective to objective reality, viewing marriage as a source of happiness and a life goal. Three informants experienced complex marriage trauma, while two experienced simple trauma. Interestingly, not all informants with negative marriage constructions experienced complex trauma. Specifically, informants NA, AAP, and AN had negative constructions with complex trauma; informant VWY had negative constructions with simple trauma; and informant HS had a positive construction with simple trauma. This study highlights the diverse ways early adults in Medan City construct and experience the reality of marriage after parental divorce.
Abstract:This study aims to understand the impact of digital content proliferation on the information consumption behaviour of Communication Science students at the State Islamic University of North Sumatra (UIN-SU). The development…
ent of information and communication technology has fundamentally changed the media landscape, shifting focus from conventional media to digital platforms such as social media, online news sites, and blogs. This phenomenon has broadened access to various types of content, challenging students to navigate, evaluate, and utilise information effectively. Amidst the increasing volume and diversity of information sources, Communication Science students, as adaptive and active technology users, often face challenges in distinguishing between accurate information and misinformation, which can significantly influence their opinion formation and behaviour. Adopting a qualitative methodology with a phenomenological approach, this study integrates the Uses and Effects analysis to deepen the understanding of how daily interactions with mass media affect students. Data was collected through in-depth interviews, observations, and documentation from March to May 2024, exploring how students select, process, and use digital information in their daily lives. The findings indicate that students tend to prioritise visual and interactive content but often get trapped in filter bubbles that affect their understanding and attitudes towards important issues. Therefore, this study highlights the need for more integrated media literacy education in the curriculum to equip students with the critical skills necessary to handle the complexity of information in the digital era. Further discussion of these findings is expected to provide valuable insights for the development of future educational and communication strategies.