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:This literature review aims to explore the influence of emotional intelligence, servant leadership, and organizational commitment on employee career development, with Organizational Citizenship Behavior (OCB) as a mediating…
ing variable. The study utilizes a qualitative approach by synthesizing findings from national and international journals published in the past 10–15 years. The results indicate that emotional intelligence enables employees to adapt and interact effectively in the workplace, servant leadership fosters a supportive and empowering work climate, and organizational commitment enhances loyalty and proactive behavior. Furthermore, OCB plays a significant mediating role by reinforcing the relationship between these three variables and career development outcomes. Employees who display high OCB are more likely to gain recognition, trust, and career advancement opportunities. This study highlights the importance of a holistic approach in career development by integrating individual competencies, leadership styles, and affective organizational engagement. Practical implications suggest the need for organizational initiatives that strengthen emotional intelligence, servant leadership, and supportive organizational culture to foster sustainable employee career progression.
Abstract:This study aims to analyze the development strategy of cassava leaf-based animal feed ( Manihot utilissima ) in Sumberejo Village, Pagar Merbau District, Deli Serdang Regency. This study uses a nonprobability sampling method…
thod with a saturated sampling technique. With a total of 53 respondents consisting of 50 consumers, 1 business owner and 2 employees. This study uses primary and secondary data. This study uses multiple linear regression analysis to determine what factors influence the development strategy of cassava leaf animal feed and descriptive analysis to analyze the development strategy for the potential and opportunities of using cassava leaves as animal feed. This research method uses qualitative and quantitative analysis. The results showed that cassava leaves have a high crude protein content, which is around 20-30%, and contain crude fiber, fat, and minerals that are beneficial for livestock growth. Multiple linear regression analysis in this study shows that all independent variables have a significant effect on the dependent variable. Among these factors, the economic aspect makes the largest contribution, making it the main factor influencing the dependent variable. Furthermore, social aspects and external support also play a significant role in determining the results. In addition, other factors such as technology, resources, and marketing and distribution also have a significant impact, although with a smaller influence compared to economic and social aspects. Thus, the regression model shows a positive relationship between the independent variables and the dependent variable, so that improvements in these aspects will increase the dependent variable, with the main priority on economic and social aspects.
Abstract:The church is a gathering place for people who believe in Jesus Christ to praise and to glorify Him. Song is part one of the His followers to praise and glorify Him. The purpose of the study was 1) to determine the influence…
ence of song (Ndawi) Lani ethnic in developing their interest at the Lome Baptist Church. 2) to determine the factors that influence the congregation's interest in worshiping at the Lome Baptist Church. The researcher used a qualitative approach. The qualitative approach was chosen because the main focus of the study was to understand the social phenomena related to the song (Ndawi) from the Lani tribe. The population of this study was the entire Lome Baptist Church around aged 18-25 years and the sampel used was 15 people. The data collection techniques used were interviews and observations. The data analysis techniques were identification, classification, and drawing conclusions. The results shows that there are 13 parts, which are divided into (Ayi awu togon uwa iya wua togon uwa) wonderful God wonderful God, (Yetut awuri inom uwa Kritut awuri inom wua) Jesus is with his disciples, Christ is with his disciples, (Purom paga logoner wua taitom paga logoner wua) Living on the Mount of Olives, (Tamban eggwi wonoggwime wua) He is praying, (Ala yoggwi wonoggwime wua) He is asking for power from Him, (Yetut ogoma wagaggerak wua) The Spirit of Jesus came to take a ride, (Wiya pogom wagaggerak wua) He is coming like the wind, (Togi pogom wagaggerak wua) He is coming to brood on the snow, (Awuri aggo inikime wua) He is entering the hearts of His disciples, (Orewi aggo inikime wua) He is entering the hearts of His friends, (Enggi taa ndi’nduk eregerak wua) He is fulfilling in the heart, (Iyok taa ndi'nduk eremobil wua) He is soak the feet in the heart, (Ayii awu togon wua Iya wua togon wua) Wonderful God, miraculous God.
Abstract:Technological and digital developments that happening right now are rapidly growth and this condition encourages the competition in the business world become more intense. The rapid development of technology and digitalization…
zation has presented a digital business marked by the high development of technology-based business and trade transactions. Based on these, digital business has great potential to drive economic growth.Digitalization is an interesting topic to research in encouraging technological progress and stimulating economic growth. Economic activities nowadays cannot be separated from the use of information & communication technology through telecommunications networks and the use of internet by conducting e-business transactions. E-business or digital business is a projection of new talents that can inspire competitiveness. Digital business is currently growing rapidly around the world, including Indonesia, proven by the increasing number of internet users. The Indonesian Internet Service Providers Association (APJII) announced that the number of Indonesian internet users in 2024 reached 221,563,479 people from a total population of 278,696,200 people in Indonesia in 2023. This condition is also followed by the increasing number of e-commerce users in Indonesia which has continued to increase since 2020, until in 2023 the number of e-commerce users in Indonesia is 58.63 million users. The research method used is descriptive qualitative research, a method that been used by researchers through a literature study approach and analyzing all information regarding the research topic. This research intends to find out how does the impact of digital business on Indonesian economy. The results show that digitalization has changed many aspects of Indonesian society, including the economy. The development of technological advances and digitalization give positive impact on Indonesia's economic growth.
Abstract:Based on the research results, the research results show that ethical leadership supports the adoption of positive behavior by employees and overall improves organizational performance. This approach emphasizes the ethical…
al dimension of leadership in the context of management, with a focus on improving leader values, ethical traits and ethical behavior within the organization. Aspects such as Telling, Selling, Participating & Delegating are considered key elements in ethical leadership . The method used is multiple regression analysis, an analysis method used to evaluate the relationship between one dependent variable (bound) with one or more independent variables (free/explanatory). This analysis aims to predict the value of the dependent variable by considering changes in the value of the independent variable. In addition, multiple regression analysis helps in determining the direction of the relationship between the dependent variable and the independent variable, whether the correlation is positive or negative. The regression equation formula for two dependent and independent variables . The tests used are classical assumption tests, hypothesis tests and data quality tests. The sample is determined by taking a representation of the population that is predicted to represent the entire population. The sample in this study were employees at the PT. Perkebunan Nusantara (Persero) I Office Regional I . Determination of samples for employees of PT. Perkebunan Nusantara I (Persero) Regional I was carried out using the Saturated Sampling method . The results of the study showed that X1 telling t count -1.113 < t table 5.409 and significance 0.316 > 0.05 (no effect). X2 selling t count -0.365 < t table 5.409 and significance 0.730 > 0.05 (no effect). X3 participation t count 8.090 > t table 5.409 and significance 0.010 < 0.05 (influential). X4 delegation t count 9.320 > t table 5.409 and significance 0.000 < 0.05 (influential). The results of the simultaneous significance test of the F test are f count 6.076 > f table 5.409 and the prob (F-statistic) is 0.0000 < 0.05. H0 : β1 = β2 = • • • = βk = 0 This means that the independent variable has an overall influence/relationship on the dependent variable
Abstract:This study aims to analyze the impact of digital marketing strategies specifically brand image and flash sale promotions on impulsive buying behavior among consumers in Indonesian marketplaces, with a particular focus on…
the Shopee platform. The research employs a descriptive quantitative approach, using purposive sampling techniques. Out of a population of 433 university students, 115 respondents were selected as the sample. Data analysis was conducted using SPSS version 26 and Microsoft Excel 2021. The results indicate that both brand image and flash sale promotions significantly influence consumer impulsive buying behavior, both partially and simultaneously. These findings highlight the importance of optimizing digital marketing strategies to enhance impulsive purchasing behavior in the e-commerce sector.
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:This research article aims to analyze the methods of Hadith interpretation employed within the Sufi tradition. This study examines various hermeneutical approaches applied by Sufis, including esoteric interpretation, the…
role of spiritual intuition (kashf), the use of analogy and metaphor, and the influence of Sufi order (tariqa) teachings and practices. The article also highlights figures such as Al-Qushayri, Al-Tirmidhi, Ibn Arabi, Al-Ghazali, Junayd al-Baghdadi, and Abu 'Abd al-Rahman al-Sulami, as well as major Sufi orders like Chishti and Qadiri. Through an analysis of examples of Hadith interpretations, this research demonstrates the significance and unique contribution of Sufi Hadith hermeneutics to the understanding of Islamic spirituality, while also identifying contemporary issues and academic debates related to these methods. The conclusion of this research underscores the richness and complexity of Hadith hermeneutics within the Sufi tradition, as well as its relevance in the broader context of Islamic studies.
Abstract:Article 109 paragraph (2) of Law Number 17 of 2006 concerning Amendments to Law Number 10 of 1995 concerning Customs regulates that means of transport that are solely used to commit criminal acts can be confiscated for the…
he state. Decision Number 102/Pid.Sus/2019/PN.Tbk stated that the means of transporting the MT Yosoa ship were confiscated for the state and in Decision Number 27/Pdt.G/2019/PN.Tbk, the judge ruled that the Tanjung Balai Karimun District Prosecutor's Office Cq. Public Prosecutor had committed an unlawful act. The purpose of the research is to analyze the judge's consideration of the lawsuit for unlawful acts, and the extent of Decision Number 27/PDT. G/2019/PN. Tbk influences the legal interpretation of unlawful acts, as well as the ownership status of MT YOSOA ships that have been decided to be confiscated by the state. This research is a normative juridical research. Data is collected and then analyzed qualitatively. The results of the research show that the judge's decision has weaknesses in legal considerations which results in legal uncertainty and injustice for the parties. In addition, there are inconsistencies in assessing the evidence of ship ownership and elements of unlawful acts, this decision also shows weaknesses in determining liability, due to the lack of parties involved in the lawsuit. It is recommended that the judge be more careful in considering all aspects of the law and exploring the material truth thoroughly. All interested parties must be involved in the lawsuit so that accountability can be clearly established.