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All Journal SEGMEN Jurnal Manajemen dan Bisnis Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Naelati Tubastuvi
University of Muhammadiyah Purwokerto
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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FINANCIAL KNOWLEDGE, ATTITUDES, AND CULTURE AS DETERMINANTS OF FINANCIAL LITERACY: THE MEDIATING ROLE OF FINANCIAL BEHAVIOR AMONG GENERATION Z Anindia Frisna; Naelati Tubastuvi; Fatmah Bagis; Maulida Nurul Innayah
SEGMEN: Jurnal Manajemen dan Bisnis Vol 22, No 1 (2026): SEGMEN Jurnal Manajemen dan Bisnis
Publisher : FE Program Studi Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/sjmb.v22i1.9246

Abstract

This study aims to analyze the influence of financial knowledge, financial attitude, and financial culture on financial literacy, with financial behavior as a mediating variable among Generation Z in Banyumas Regency. The research addresses the problem of how financial behavior strengthens the role of individual financial factors in improving financial literacy among young generations.This study employs a quantitative approach using purposive sampling with 245 respondents aged 13–28 years. Data were collected through a Likert-scale questionnaire (1–5) and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results show that financial knowledge, financial attitude, and financial culture have a positive and significant effect on financial behavior. Financial knowledge and financial culture also have a direct positive and significant effect on financial literacy, while financial attitude does not show a significant direct effect. Furthermore, financial behavior positively and significantly mediates the relationship between financial knowledge, financial attitude, and financial culture on financial literacy
THE INFLUENCE OF BRAND AMBASSADOR, BRAND IMAGE, WORD OF MOUTH, AND PRODUCT QUALITY ON SKINTIFIC SKINCARE PURCHASE DECISIONS Syahlira Sayidatina; Erny Rachmawati; Naelati Tubastuvi; Dian Widyaningtyas
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 2 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i2.3740

Abstract

Introduction: This study aims to analyze the influence of brand ambassadors, brand image, word-of-mouth, and product quality on Skintific skincare purchase decisions.Methods: The study uses a quantitative, 5-point Likert-scale assessment. The selected sample uses purposive sampling. The population in this study is the general public of Purwokerto who have purchased Skintific skincare twice. Data were collected through the distribution of questionnaires, yielding 125 responses. Furthermore, the data were analyzed using SPSS version 24.Results: The study shows that brand ambassadors and product quality have a positive and significant effect on purchase decisions, whereas brand image and word of mouth do not.Conclusion and suggestion: This study shows that brand ambassadors and product quality are important factors in consumers' choice of skincare products. However, brand image and word of mouth have not had an optimal influence on purchase decisions, so companies need to improve their strategies to strengthen brand image and word of mouth through more effective marketing and improve consumer experience to order to drive purchase decisions. Keywords: Brand Ambassador, Brand Image, Word of Mouth, Product Quality, Purchase Decision  
Co-Authors Anindia Frisna Dian Widyaningtyas Erny Rachmawati Fatmah Bagis Maulida Nurul Innayah Syahlira Sayidatina