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All Journal Golden Ratio of Auditing Research Jurnal Ekonomi, Manajemen, Akuntansi
Nugraha Kusbianto
Universitas Pembangunan Nasional “Veteran” Jawa Timur
Economics, Econometrics & Finance Social Sciences

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Behavioral Antecedents of Green Skincare Purchases in the Zillennial Cohort: A Literature Review Nugraha Kusbianto; Siti Yolanda Rahman Utami; Sri Wulan Sari Adi Pandur Hasesda; Lidya Veronica Christy Rihidima
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 5: Juli 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i5.10345

Abstract

The green skincare market has emerged as a vital subject for academic inquiry and business innovation, driven by rising environmental concerns and a strong shift toward sustainable consumption. Focused on younger consumers, particularly Zillennials with heightened eco-consciousness, this review examines the factors that motivate purchasing behavior beyond mere green purchase intention (GPI). Although many studies have addressed GPI, little attention has been given to the direct antecedents of actual buying behavior. In particular, prior research has largely neglected the impact of Personal Norms alongside constructs such as Green Purchase Attitude (GPA) and Perceived Behavioral Control (PBC). Utilizing established frameworks, including the Norm Activation Model and the Theory of Planned Behavior, this narrative review synthesizes existing literature to bridge this gap. The analysis critically investigates how GPA, PBC, Personal Norms, and GPI interact to shape green purchasing behaviors among Zillennial consumers. The review underscores the essential role of personal normative factors in transforming purchase intentions into tangible actions, thereby enriching current theoretical models. These insights not only advance academic understanding but also provide guidance for marketers and policymakers aiming to enhance consumer perceptions, attitudes, and control, ultimately fostering greater adoption of eco-friendly skincare products.
The Impact of E-Wallet Usage on Personal Financial Management: A Case Study of Generation Z Selvi Permata Groda; Nugraha Kusbianto
Golden Ratio of Auditing Research Vol. 6 No. 1 (2026): July - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grar.v6i1.1744

Abstract

This study examines the impact of e-wallet usage (EWU) on financial management (FM) among Generation Z in Indonesia, with a specific focus on the mediating role of financial literacy (FL). As digital natives, Gen Z exhibits high adaptability to financial technology (Fintech), particularly e-wallets, which offer convenience, speed, and integrated financial tools. However, the behavioral implications of e-wallet adoption—such as impulse buying and financial mismanagement—raise concerns about long-term financial well-being. Drawing on Financial Literacy Theory, the Behavioral Life-Cycle Hypothesis, and Self-Efficacy Theory, this research develops a conceptual framework linking e-wallet usage, financial literacy, and financial management. Using a quantitative approach, data were collected from 193 active Gen Z e-wallet users through a structured online survey. The study employed Partial Least Squares Structural Equation Modeling (PLS-SEM) to test four hypotheses. Results reveal that e-wallet usage significantly enhances both financial literacy and financial management. Moreover, financial literacy strongly influences financial management and mediates the relationship between e-wallet usage and PFM. These findings suggest that while e-wallets facilitate financial activities, their effectiveness in improving financial outcomes depends on users' financial literacy. Theoretically, this study extends digital finance literature by highlighting financial literacy as a behavioral pathway that translates technological engagement into responsible financial behavior. Practically, it offers policy recommendations for educators, fintech providers, and government stakeholders to promote digital financial literacy and responsible e-wallet usage among Gen Z. By fostering financial acumen alongside technological fluency, this research contributes to sustainable financial inclusion and resilience in the digital economy.
Co-Authors Lidya Veronica Christy Rihidima Selvi Permata Groda Siti Yolanda Rahman Utami Sri Wulan Sari Adi Pandur Hasesda