Abstract:This study investigates the influence of Financial Literacy on Consumptive Behavior among students, with PayLater Usage as an intervening variable and Self-Control as a moderating variable. The rapid adoption of digital…
credit services, such as PayLater, has reshaped consumption patterns, particularly among young users, by promoting convenience and flexible payment options. This research aims to understand how financial literacy and self-control interact to influence students’ consumption behavior through PayLater usage. Using Structural Equation Modeling (SEM) with a sample of 100 students from the Faculty of Economics and Business at Universitas Teknologi Sumbawa, the study finds that Financial Literacy has a positive influence on both PayLater Usage and Consumptive Behavior. Interestingly, while financial literacy is generally expected to mitigate consumptive tendencies, it indirectly contributes to impulsive spending by encouraging the use of PayLater. PayLater Usage is identified as an intervening variable that strengthens the relationship between Financial Literacy and Consumptive Behavior, highlighting the role of convenience and perceived purchasing power in promoting consumption. Moreover, Self-Control negatively moderates the relationship between PayLater Usage and Consumptive Behavior, indicating that students with high self-control are less likely to exhibit impulsive spending despite using PayLater.
Abstract:The aim of this research is to determine the relationship between body image and self-esteem and the tendency for body dysmorphic disorder in teenagers in grades X and XI at SMA Muhammadiyah 5 Jakarta. The sampling method…
d for this research used a purposive sampling technique and the sample used was 148 teenagers. Based on the results of data analysis using bivariate correlation between body image variables and body dysmorphic disorder tendencies, r = -0.268 with p = 0.001, which means there is a negative relationship between self-esteem variables and body dysmorphic disorder. The results of data analysis between the self-esteem variable and body dysmorphic disorder obtained a correlation coefficient value of r = -0.254 and p = 0.002, which means there is a negative relationship between the self-esteem variable and the tendency for body dysmorphic disorder. Multivariate correlation in the regression test shows that the coefficient of determination R Square is 0.074. Based on the multivariate correlation regression, the correlation coefficient value R = 0.272 and p = 0.004 is obtained, which means there is a relationship between body image and self-esteem and the tendency for body dysmorphic disorder. The effective contribution of body image and price to the tendency for body dysmorphic disorders is 7.4%, while 92.6% is a contribution from other factors not studied.
Abstract:The problem in this research is raised from the increasing use of social media, especially on the TikTok platform during the Covid-19 pandemic. This research was conducted to determine the increasing intensity of use of…
social media TikTok, the influence of need gratification and the tendency for narcissistic behavior in teenagers during the Covid-19 pandemic. This research is a type of quantitative research with a survey research method with a psychological scale. Sampling used a nonprobability sampling technique using the incidental method with a sample size of 183 teenage respondents. The research results show that there is an influence of need gratification and tendencies towards narcissistic behavior on the intensity of use of social media TikTok among teenagers during the Covid-19 pandemic.
Abstract:The study investigates the changes in both the quantity and quality of land use in the Shaki district resulting from the increased level of social and economic development. Remote sensing was used to analyze the projects…
implemented under the State program 'Social and Economic Development of Regions,' assessing their impact on land use. The projects were categorized as either 'changing' or 'replacing,' based on their degree of impact, scale, and transformations between areas. The study also examined the population distribution by altitude zones and settlement levels. The satellite images were decoded and the land use areas were divided into classes. The level of land use between 2001 and 2020 was analyzed using the support vector machine (SVM) method to calculate the scale, difference, and regional growth rate of individual areas. The changes that occurred were identified and explained. Additionally, the transitions between categories were studied, the main changing and expanding areas were identified, and the increasing and decreasing tendencies between classes were examined.
Abstract:The purpose of this study is to investigate the relationship beetween job satisfaction and work stress on turnover intention as well as organizational commitment mediates this reliationship. To gather study data, the questionnaire…
stionnaire was used to poll 100 individuals. Structural Equation Modeling (SEM) was the method used in this quantitive study. SmartPLS version 4.1.1.6 with the PLS-SEM Algorithm and Bootstrapping was used to analyze the data. The findings demonstrated that while work stress had a positive but negligible impact on turnover intention, job satisfaction and organizational commitment had a negative and significant influence. Furthermore, the findings indicate that organizational commitment is significantly impacted negatively by work stress and positively by job satisfaction. Additionally, whereas organizational commitment can moderate the association between work stress and turnover intention, it cannot mediate the relationship between job satisfaction and turnover intention. This study has a results to provide important managerial implications for managing employees' turnover intention tendencies
Abstract:This study aims to determine the effect of information asymmetry on accounting fraud tendencies in the West Sulawesi provincial government. This type of research uses a quantitative approach. This study uses primary data.…
. Collecting data using questionnaires. The population in this study were government structural officials with the rank of echelon II, echelon III, and echelon IV, totaling 813 people. Sampling used the slovin formula method, so that a sample of 89 was obtained. This research used a simple linear regression analysis approach. The results of the study show that information asymmetry has a positive effect on the tendency of accounting fraud
Abstract:This article presents a critical analysis of the phenomenon of Alpha Women in the context of gender relations, particularly in urban professional environments. This research aims to explore the roles, challenges, and theoretical…
oretical and practical contributions of women with alpha personality tendencies in modern organizations. Using qualitative and quantitative methodological approaches, this study collected data through in-depth interviews and descriptive surveys during the period January 2021 to December 2022. Thematic analysis and descriptive statistics reveal the dynamics of power structures and their impact on gender relations in the workplace. The results of the study show that the role of Alpha Women not only brings leadership innovation but also creates tension in established gender relations. The resulting theoretical implications contribute to the development of gender theory and managerial practice, thus opening up new spaces for dialogue on gender equality in the professional environment.
Abstract:This study aims to analyze and formulate a concept of Islamic legal protection for crypto investors in responding to the dynamics of digital crimes within virtual currency transactions. Departing from the rapid development…
nt of blockchain technology and the recognition of crypto assets as tradable commodities in Indonesia, this research identifies a normative ambiguity between positive law and religious fatwas, particularly concerning the permissibility and legal legitimacy of cryptocurrencies from a sharia perspective. The inherent characteristics of crypto assets-namely volatility, speculative tendencies, and vulnerability to digital crimes such as hacking, fraud, market manipulation, and money laundering-generate significant risks for Muslim investors. Within the framework of fiqh al-muʿāmalāt and maqāṣid al-sharīʿah, especially the principle of ḥifẓ al-māl (protection of wealth), this study asserts that investor protection constitutes not merely a regulatory necessity but an integral dimension of the higher objectives of Islamic law in safeguarding justice, transparency, and economic welfare. Methodologically, this research employs a normative-maqāṣidī approach through an interdisciplinary analysis integrating Islamic jurisprudence, national positive law, and the study of digital financial technology. The focus of the inquiry is directed toward identifying the typologies of digital crimes within the crypto ecosystem, evaluating the effectiveness of national regulations and religious fatwas, and formulating a model of Islamic legal protection that is preventive, corrective, and educational in nature. The expected outcome of this dissertation is the construction of a conceptual framework of ḥimāyah al-mustatsmir (investor protection) grounded in maqāṣid al-sharīʿah, adaptive to the digital era, and strengthened through synergy among the state, financial authorities, and fatwa institutions. Accordingly, this study contributes not only to the advancement of contemporary fiqh al-muʿāmalāt discourse but also offers an applicable normative framework for the development of a secure, equitable, and sustainable sharia-based digital economic system.
Abstract:Accounting fraud remains a critical ethical issue that threatens the credibility of the accounting profession. This study aims to examine the effect of cognitive dissonance on accounting fraud behavior and to analyze the…
moderating role of accounting morality in weakening this relationship. The research employs a quantitative approach using Moderated Regression Analysis (MRA). Data were collected from 120 accounting students of the Faculty of Economics and Business, Universitas Pattimura Ambon, selected through purposive sampling. The results indicate that cognitive dissonance has a positive and significant effect on accounting fraud behavior. Furthermore, accounting morality is proven to significantly moderate the relationship by weakening the influence of cognitive dissonance on fraudulent behavior. These findings support Cognitive Dissonance Theory and Moral Development Theory, emphasizing the importance of strengthening ethical education to reduce fraudulent tendencies among future accounting professionals.
Abstract:This study aims to determine the effect of price and advertising on the consumptive behavior of students at Bandung International Women’s University in the TikTok Shop marketplace. The growing trend of consumptive behavior…
vior among students is influenced by easy access to social media and digital marketing strategies such as interactive advertisements and discount offers. This research uses a quantitative approach with descriptive and verificative methods. The sample consists of 95 respondents, students of the Business Administration Study Program (2021–2024), selected through proportionate stratified random sampling. Data were collected using questionnaires and analyzed using multiple linear regression through SPSS. The results show that (1) price has a positive and significant effect on students’ consumptive behavior, (2) advertising also has a positive and significant effect, and (3) simultaneously, price and advertising significantly affect consumptive behavior among TikTok Shop users. Therefore, competitive pricing and creative advertising strategies on TikTok Shop have been proven to increase impulsive buying tendencies among students. This research is expected to serve as a reference for digital business practitioners in designing more ethical and educational marketing strategies for young consumers.