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:This study aims to analyze the influence of economic growth, minimum wage, unemployment, and the Human Development Index on income distribution inequality in 6 provinces in Sulawesi during the period 2013-2023. This study…
y uses quantitative analysis with the panel data regression analysis method using the Random Effect Model (REM). The data for this research is secondary data obtained from the Central Statistics Agency of Indonesia. The research results show that simultaneously, independent variables have a significant effect on the dependent variable. However, partially, economic growth and the minimum wage have a negative and significant effect on income distribution inequality, while unemployment and the human development index do not affect income distribution inequality. The results of the coefficient of determination test show that the independent variables explain 49% of their influence on the income inequality variable, while the remaining 51% is explained outside the variables.
Abstract:In the contemporary global market, businesses encounter intense competition, particularly within the culinary sector, driven by rapid technological advancements and economic growth. To secure long-term competitive advantages,…
ages, companies must strategically position their products or services in consumers' minds through effective advertising and innovative strategies. Ayang Beib Steak Cafe, established in 2018 and located at Jl. Cik Ditiro Ruko Wisma Mas (next to Kosasih Kemiling) in Bandar Lampung, Indonesia, benefits from a strategic location on one of the city's busiest streets, surrounded by numerous culinary establishments. During the COVID-19 pandemic, Ayang Beib Steak Cafe adapted to the challenging market conditions by maintaining a dedicated team of five staff members focused on delivering excellent customer service. This study employs the Analytic Hierarchy Process (AHP) to analyze the business strategies implemented by Ayang Beib Steak Cafe to navigate market competition during the pandemic. The research identifies key internal and external factors influencing sales growth, including human resource coordination, menu diversification, outlet modernization, promotional activities, competitive conditions, consumer taste trends, and economic fluctuations. The findings suggest that modernizing outlet services and developing new menu items are the most prioritized strategies for enhancing sales and sustaining competitive advantage. Additionally, word-of-mouth and holiday promotions play significant roles in attracting and retaining customers. This comprehensive analysis provides actionable insights for Ayang Beib Steak Cafe and similar businesses aiming to thrive in a highly competitive and volatile market environment.
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 determine the effect of work stress on turnover in generation Z at Company X Jakarta. The variables studied in this study are work stress as an independent variable (X) and turnover intention as a dependent…
ndent variable (Y). In this study, the approach used is quantitative. In research with a quantitative approach, the main objective of the researcher is to measure certain variables accurately. The type of sampling used in this study is accidental sampling, namely in taking research samples, researchers pay attention to certain criteria. This type of sampling is used because it considers practicality and availability of resources. The sample criteria in this study are Generation Z who have worked for at least 1-2 years in a company. The survey containing measuring instruments for the three variables was distributed online via social media. Based on the data obtained, there is a positive influence between the two factors, namely work stress and turnover intention. The higher the work stress, the higher the turnover intention of Generation Z, and vice versa, the lower the work stress, the lower the turnover intention with a value of = 0.791 with a p value = <.001 (p <0.05). This means that the higher the work stress, the higher the turnover intention of Generation Z, and vice versa, the lower the work stress, the lower the turnover intention.
Abstract:The development of the business world in the field of online shop sales is increasing and competition is increasing rapidly, so entrepreneurs must be able to provide what consumers need as a basis for consumer decisions.…
This research is intended to reveal the impact of marketing promotion tactics and the level of customer satisfaction on the Bukalapak platform, which will ultimately influence consumer loyalty at Bukalapak. This study applies quantitative methods by utilizing descriptive analysis as the main tool. The information collection process is carried out through the distribution of survey instruments. The objects that are the focus of this research are active Bukalapak users. Referring to the Slovin formula, it is revealed that the minimum number of participants required is 100 individuals. Based on the findings obtained from this exploration, it can be concluded that the Marketing Mix Variable (X1) provides good or positive results and is quite significant on Consumer Loyalty (Y). The Consumer Satisfaction variable (X2) has a positive and significant effect on Consumer Loyalty (Y), then together the Marketing Mix and Consumer Satisfaction variables measurably have a good, positive and clearly significant effect on the Consumer Loyalty variable. Researchers have several suggestions, namely that companies should further improve aspects of the marketing mix so that the goals set by the company can be realized as quickly as possible. Then the company can increase the level of service, promotions and other strategies to maintain and increase the level of consumer satisfaction.
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:This study aims to explore and understand the dynamics of community participation in the village development planning process (Musrenbangdes) in Tambayoli Village, Soyo Jaya District, North Morowali Regency. Using a qualitative…
itative approach, data were collected through purposive sampling, open data collection methods, and analysis of both textual and visual materials. The primary methods of data collection included participatory observation, in-depth interviews, and document review. The findings reveal that, although some awareness of Musrenbangdes has been achieved through existing announcement systems, the overall effectiveness of community participation remains limited. Many residents perceive the process as a formality, with decisions dominated by specific stakeholders, leading to low levels of trust and engagement. The study identifies significant barriers to active participation, such as inadequate information dissemination, lack of transparency, and limited involvement in both the implementation and benefit-sharing of development projects. The research suggests that for Musrenbangdes to be more effective, there needs to be a concerted effort to enhance transparency, ensure equitable information distribution, and create a more inclusive participatory framework. These findings have implications for improving governance and promoting sustainable development at the village level.
Abstract:This study aims to determine the role of emotion regulation on academic resilience in 10th, 12th, and 14th semester students who are working on an undergraduate thesis. The research method used is quantitative, employing…
multiple regression analysis techniques to analyze the data. The instruments used in this study include the Emotion Regulation Questionnaire (ERQ) scale, developed by Gross and John (2003), to measure emotion regulation, and The Academic Resilience Scale (ARS-30), developed by Cassidy (2016), to measure academic resilience. The results of the study reveal that there is a significant positive effect of cognitive reappraisal emotion regulation on academic resilience among students in their 10th, 12th, and 14th semesters who are working on their thesis, accounting for 27.1% of the variance in academic resilience. This finding suggests that students who engage in cognitive reappraisal, a strategy that involves reinterpreting a situation to change its emotional impact, are more likely to demonstrate resilience in the face of academic challenges. In contrast, the study found no significant effect of expressive suppression emotion regulation on academic resilience in the same group of students. Expressive suppression, which involves inhibiting the outward expression of emotions, does not appear to contribute to the ability of students to remain resilient while working on their thesis. These findings highlight the importance of cognitive emotion regulation strategies in fostering academic resilience among students, particularly during challenging academic tasks such as thesis completion.
Abstract:This article aims to analyze the role of journalistic media in shaping the contemporary political landscape, focusing on its ability to manipulate and direct public opinion and policy. Considering the media's dominance in…
n agenda setting, this study highlights the urgency of understanding its broad influence on democracy and public policy. Journalistic media, which has transformed from a passive information provider to an active opinion shaper, plays a crucial role in this fast-paced and widespread information era. Therefore, a deep understanding of how media shapes political narratives is essential to maintaining the integrity of the democratic process. The methodology used in this research is a Systematic Literature Review (SLR), which involves the collection and analysis of data from previously published sources to build a comprehensive understanding of the media's role in politics. This approach allows for the identification of trends, challenges, and the broader impact of media on politics. Additionally, this study employs theoretical analysis by combining Media Dependency Theory and Agenda Setting Theory to examine how public dependence on media and media's power in setting the agenda influence political dynamics. The results of the study indicate that media often leverages its strategic position to direct public opinion, which can significantly impact election outcomes and public policy. The high public dependence on media for information makes the media a powerful tool in shaping the political agenda, often benefiting media owners or specific interest groups. Based on the findings and discussion, this article recommends the need for stricter media oversight and increased media literacy among the public to reduce bias and ensure that the media plays its role as an effective watchdog rather than a biased opinion shaper. These recommendations aim to support policies that promote transparency and integrity in journalism, ensuring that the media can continue to be a pillar of healthy democracy without compromising objectivity or accountability.