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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA)
Kokom Komariah
Universitas Muhammadiyah Sukabumi, Jawa Barat, Indonesia.
Economics, Econometrics & Finance

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The Effect of Lifestyle on Financial Management: The Moderating Role of Financial Literacy among Millennial Workers in Sukabumi City Salma Khaerunnisa; Nor Norisanti; Kokom Komariah
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4816

Abstract

This study investigates the influence of lifestyle on financial management and examines the direct and moderating roles of financial literacy among millennial workers in Sukabumi City. A total of 155 respondents were selected using purposive sampling. Data analysis was conducted using path analysis with the bootstrapping method through SmartPLS 3.2.9 software. The findings reveal that lifestyle has a positive and significant effect on financial management. Similarly, financial literacy shows a positive and significant influence on financial management. Furthermore, financial literacy demonstrates a moderating effect by weakening the relationship between lifestyle and financial management, as indicated by a significant negative interaction effect. These results imply that enhancing financial literacy can help mitigate the potential adverse effects of an excessive lifestyle on financial management. This suggests the importance of integrating financial education programs into workplace development initiatives targeting millennials.
Analysis of Stray Kids Brand Ambassadors on Purchase Decisions with Brand Awareness as a Mediating Variable R. Viera Raina Firdiena; Kokom Komariah; Faizal Mulia Z
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.5100

Abstract

This study aims to analyze the impact of Brand Ambassadors on purchasing decisions for Ultra Milk UHT milk products with Brand Awareness as a mediating variable. The focus of this study is Ultra Milk consumers in Sukabumi City using quantitative approach and descriptive-verification method. Data were obtained from 200 respondents selected through purposive sampling technique and analyzed using AMOS 29 software. The results of data processing show that brand ambassadors have a significant effect on brand awareness (C.R = 4.282 > 1.65 with p-value = 0.000 < 0.05). Furthermore, brand ambassadors have a significant effect on purchase decisions (C.R = 2.977> 1.65 with a p-value = 0.003 <0.05). Then, brand awareness has a significant effect on purchase decisions (C.R = 5.412 > 1.65 with a p-value = 0.000 < 0.05). In addition, brand awareness acts as an effective mediator in the relationship between brand ambassadors and purchase decisions (sobel test = 3.338> 1.65 with p-value= 0.000< 0.05). Thus, brand awareness is able to bridge the influence of brand ambassadors on purchase decisions among Ultra Milk consumers in Sukabumi City.
Co-Authors Faizal Mulia Z Nor Norisanti R. Viera Raina Firdiena Salma Khaerunnisa