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 examines the varying influences that Indonesian Millennial Generations bring to the relationship between behavior and views toward finance and their intentions for investments and debts. Financial literacy, risk…
sk perception, materialism, emotion, and religiosity are all influencing factors. 200 people participated in a quantitative method survey used in the methodology study. Using Smart-PLS version 4, SEM analysis is used to test the hypothesis. The findings of the study indicate that there is a significant relationship between financial literacy and both investment and debt intention. In addition, materialism has an impact on investment intention, while religiosity has an impact on debt investment. Aside from that, there is no influence from Religion, Emotion, or Risk Perception on Investment Intention; however, Materialism, Emotion, and Risk Perception do influence Debt Intention.
Abstract:Penelitian ini mengeksplorasi integrasi spiritualitas Hendricus Leven ke dalam dimensi-dimensi kehidupan modern sebagai upaya mengatasi krisis makna dan dikotomi eksistensial di abad ke-21. Di tengah disrupsi teknologi dan…
an materialisme yang memicu kekosongan batin poverty of spirit, pemikiran Leven menawarkan paradigma spiritualitas yang inklusif dan holistik. Masalah utama yang diangkat adalah adanya pemisahan tajam antara ritus keagamaan dengan perilaku sosial dan praktis dalam masyarakat kontemporer. Tujuan penelitian ini adalah untuk merekonstruksi konstruksi pemikiran Leven serta menganalisis integrasinya dalam dimensi intrapersonal, interpersonal, ekologis, dan transedental guna menciptakan keseimbangan hidup. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan studi literatur library research. Analisis dilakukan melalui teknik analisis konten terhadap karya-karya mengenai Hendricus Leven serta sintesis teoritis dengan literatur spiritualitas kontemporer. Hasil penelitian menunjukkan bahwa spiritualitas Leven merupakan sebuah “cara berada” way of being yang menjembatani jurang antara hal sakral dan profan. Secara intrapersonal, Leven menekankan pentingnya keheningan produktif untuk integritas diri. Dalam dimensi interpersonal, ia mewujudkan solidaritas dan belaras sebagai bentuk ibadah nyata. Pada dimensi ekologis, pemikirannya memandang alam sebagai ruang sakral yang haris dijaga, sementara secara transedental, ia menekankan kehadiran Tuhan dalam tugas keseharian yang sederhana. Penelitian ini menyimpulkan bahwa integrasi spiritualitas Leven memberikan peta jalan bagi manusia modern untuk mencapai keutuhan eksistensial. Implikasi dari penelitian ini adalah perlunya transformasi gaya hidup yang lebih sadar dan bertanggung jawab, di mana pelayanan kepada sesama dan alam menjadi manifestasi iman yang hidup. Nilai-nilai ini direkomendasikan untuk diintegrasikan dalam kurikulum pendidikan karakter demi terciptanya masyarakat yang labih humanis dan spiritual.
Abstract:Artikel ini mengkaji spiritualitas Hendrikus Leven (SVD), yang berakar pada penghayatan salib, kesederhanaan hidup, sikap mendengarkan, dan semangat misioner, serta menilai relevansinya dalam konteks kontemporer. Dengan…
pendekatan kualitatif berbasis studi literatur teologi dan sejarah Gereja di Nusa Tenggara, penelitian menafsirkan nilai-nilai inti spiritualitas Leven sebagai respons terhadap tantangan modern seperti individualisme, materialisme, dan distraksi digital. Temuan utama menunjukkan bahwa penghayatan salib menawarkan horizon harapan dalam menghadapi penderitaan sosial; kesederhanaan menjadi kritik atas budaya konsumtif; sikap mendengarkan mendorong empati dan dialog di tengah kebisingan informasi; sementara semangat misioner meneguhkan kepemimpinan rohani yang inkarnatif, dekat dengan umat, dan transformatif. Artikel ini menyimpulkan bahwa spiritualitas Leven bukan sekadar warisan historis, melainkan kerangka praksis yang dapat memberi arah bagi pendidikan, pastoral, dan pembentukan karakter di era sekarang. Implikasi praktisnya mencakup pengembangan habitus hening-reflektif, pelayanan berkeadilan sosial, dan kepemimpinan berbasis kedekatan serta pengharapan.
Abstract:Penelitian ini bertujuan untuk menganalisis konsep akhlak dalam kehidupan rumah tangga dan relevansinya dengan moralitas budaya modern. Menggunakan metode studi literatur dan penelitian kepustakaan, penelitian ini mengkaji…
ji berbagai sumber primer dan sekunder yang berkaitan dengan akhlak Islami, nilai-nilai keluarga, dan dinamika moralitas dalam konteks modernisasi. Hasil penelitian menunjukkan bahwa akhlak dalam rumah tangga memiliki peran fundamental dalam membentuk karakter individu dan stabilitas sosial. Namun tantangan moralitas budaya modern seperti individualisme, materialisme, dan pergeseran nilai-nilai tradisional menciptakan kompleksitas dalam penerapan akhlak rumah tangga. Penelitian ini menemukan bahwa integrasi nilai-nilai akhlak klasik dengan adaptasi terhadap realitas modern dapat menjadi solusi dalam membangun keharmonisan keluarga yang berkelanjutan. Kesimpulan penelitian menekankan perlunya revitalisasi akhlak rumah tangga sebagai fondasi moral dalam menghadapi dinamika budaya kontemporer.
Abstract:Islamic Religious Education (IRE) in the modern era is often trapped in an approach that is overly textual, dogmatic, and focused solely on legal aspects (fiqh) and rituals. This results in the marginalisation of the metaphysical…
aphysical dimensions of Islam—such as the concept of divinity (uluhiyah), the nature of humanity, the unseen world, the purpose of creation, and the spiritual relationship with Allah—which are in fact the foundation of the meaning and intrinsic motivation of all religious teachings. Without the internalisation of these metaphysical values, religious education risks becoming formalistic and unable to respond to existential challenges and spiritual crises amid the onslaught of materialism and secularisation in the modern world. This article aims to analyse the urgency and strategies for internalising metaphysical values within the framework of contemporary Islamic Religious Education, as well as to formulate an approach model relevant to the modern era. This study uses a qualitative method with a philosophical-analytical library research approach. Data were collected from primary sources such as the Qur'an, Hadith, and the works of classical and contemporary Islamic thinkers on education and metaphysics. The analysis was conducted hermeneutically and deductively to develop a conceptual framework. The analysis shows that the internalisation of metaphysical values in PAI is crucial for: (1) building a holistic Islamic worldview, (2) developing a deep spiritual awareness (ihsan), (3) providing a solid moral foundation that transcends positive law, and (4) creating mental-spiritual resilience in facing modern complexities. To achieve this, it is necessary to reorient the PAI curriculum to integrate metaphysical elements through an interdisciplinary approach (linking it to science, psychology, and philosophy), reflective and contemplative learning methods (such as tadabbur and tafakkur), and the use of digital technology as a medium for creative spiritual exploration.
Abstract:The rapid diffusion of Buy-Now-Pay-Later (BNPL) services has reshaped consumption in emerging economies. This article examines how materialistic value orientations stimulate impulsive buying through BNPL usage among Indonesian…
donesian PayLater users. A cross-sectional survey of 670 respondents was analysed with partial least-squares structural-equation modelling (PLS-SEM). Materialism had a strong positive effect on BNPL adoption (β = 0.762) and a moderate direct effect on impulsive buying (β = 0.350). BNPL, in turn, exerted a substantial impact on impulsive buying (β = 0.480) and partially mediated the materialism–impulsivity link (indirect β = 0.366). The model explained 65% of BNPL variance and 72% of impulsive buying variance, while exhibiting acceptable fit indices (SRMR = 0.035; NFI = 0.885). Findings highlight BNPL’s dual role as a financial innovation and a behavioural catalyst, raising implications for platform design, consumer literacy programmes, and regulatory oversight.
Abstract:This study examines the moral values in the song lyrics of Price Tag by Jessie J. . The song critiques the growing focus on materialism and emphasizes the importance of love, happiness, and authenticity in life. The research…
arch aims to identify and analyze the moral messages conveyed through the song, using a qualitative approach to explore the lyrics and categorize the moral themes. The analysis reveals that the song advocates for a shift in societal focus—from the pursuit of wealth and material possessions to prioritizing emotional well-being and human connection. The moral values identified in the lyrics include love and affection, bravery, sympathy, and honesty. The findings suggest that the song calls for a shift in focus—from valuing money and possessions to prioritizing emotional well-being, human relationships, and genuine happiness. The most frequent moral value expressed in the song is love and affection, with the lyrics urging listeners to "pay with love" and to prioritize emotional connections over material wealth. In conclusion, Price Tag offers a critique of materialism while encouraging listeners to value love and unity. The study highlights the power of music as a tool for spreading moral messages and inspiring positive change in society, especially in an era where consumerism often overshadows more meaningful pursuits.
Abstract:This research aims to examine the impact of professional ethics, professionalism, independence, and experience on the materiality of financial statements for This research aims to examine the impact of professional ethics,…
s, professionalism, independence, and experience on the materiality of financial statements for the public sector. The purpose of this study is to increase public confidence, which is achieved in part through evaluating financial reports by government auditors. In this research, information was collected by sending questionnaires to the accounting companies Djoko, Sidik, and Indra. sampling method using purposeful sampling Multiple regression is the method of data analysis used. data processing software, including Microsoft Excel and SPSS version 25.0. According to the findings of this research, professionalism and experience impact the amount of materialism. Professional ethics and independence have little effect on the objective world.