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All Journal JIEM : Journal Of International Entrepreneurship And Management
Wa Ode Sartika
Universitas Karya Persada Muna
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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SATU DIMENSI, DUA WAJAH: MEMETAKAN ORIENTASI KEUANGAN GENERASI Z DI SULAWESI TENGGARA ANTARA PERBANDINGAN SOSIAL DAN KEHATI-HATIAN FINANSIAL Wa Ode Sartika; Samsul Bachri Soamole; Sitti Hadijah; Harpiang Wardingsih; Muhammad Suriyadarman Rianse; Muhammad Fajar Salemaku
JIEM : Journal Of International Entrepreneurship And Management Vol 5 No 01 (2026): JIEM : Journal Of International Entrepreneurship And Management
Publisher : Pusat Studi Ekonomi Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jiem.v5i01.2535

Abstract

This study aims to examine whether social comparison orientation, financial prudence, and financial management behavior form distinct constructs or merge into a single dimension among Generation Z in Southeast Sulawesi. The research method involved a questionnaire survey distributed to Gen Z respondents, analyzed through confirmatory factor analysis, the Fornell -Larcker criterion, the heterotrait-monotrait  ratio, and Harman’s single-factor test. The results indicate that discriminant validity failed across all construct pairs due to overlapping item contents. Consequently, the three constructs merged into a single bipolar continuum of financial orientation, ranging from social comparison to prudence. Furthermore, this financial orientation behavior is cross-segmental, showing no significant differences across demographic backgrounds. These findings highlight the critical importance of discriminant validity testing in financial behavior research & underscore the need for comprehensive financial education interventions to mitigate social comparison pressures.
DETERMINASI PENGAMBILAN KEPUTUSAN PENGELUARAN: PERAN LITERASI KEUANGAN, PENCATATAN KEUANGAN DAN SKALA PRIORITAS (STUDI KASUS KARYAWAN PERGURUAN TINGGI) Hadijah Sitti; Wa Ode Sartika; Harpiang Wardiningsih; Perduti Lestari Rulimo; Rahmah Djauzyah Patola
JIEM : Journal Of International Entrepreneurship And Management Vol 5 No 01 (2026): JIEM : Journal Of International Entrepreneurship And Management
Publisher : Pusat Studi Ekonomi Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jiem.v5i01.2540

Abstract

This study aims to know the influence of financial literacy, financial recording, and priority scale on expenditure decision-making among university employees. A quantitative approach with a survey method was employed, and data were collected through questionnaires distributed to university employees via google form. The data were analyzed using correlation techniques with SPSS software. The results show that financial literacy has a very strong and significant relationship with expenditure decision-making, followed by priority scale, and financial recording with a moderate relationship. These findings suggest that financial literacy and priority scale are the dominant factors determining the quality of expenditure decision-making, while financial recording serves as a supporting factor. This study contributes to the development of literature on individual financial behavior in higher education institutional settings.
Co-Authors Hadijah Sitti Harpiang wardingsih Harpiang Wardiningsih Muhammad Fajar Salemaku Muhammad Suriyadarman Rianse Perduti Lestari Rulimo Rahmah Djauzyah Patola Samsul Bachri Soamole Sitti Hadijah