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All Journal Management and Sustainable Development Journal Journal of Educational Management Research
Daniel
Universitas Tanjungpura
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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PENGEMBANGAN BISNIS BERBAHAN DASAR PANDAN DI WILAYAH PERBATASAN MELALUI PENDEKATAN ONE VILLAGE ONE PRODUCT DENGAN POLA KLASTER Dedy; Maria Angela Siokalang; Daniel
Management and Sustainable Development Journal Vol. 6 No. 2 (2024): Management and Sustainable Development Journal
Publisher : Department of Management - Institut Shanti Bhuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46229/msdj.v6i2.971

Abstract

Sajingan Besar is one of the areas in the border area that has abundant natural resource potential, one of which is pandan leaves. This research aims to provide a business development model to improve the welfare of the surrounding community. The approach used in this study uses a qualitative approach with a descriptive analysis method. The data source is primary data through field observation, interviews and documentation. The findings in this study state that in the development of natural resources in Sajingan Besar which is dominated by pandanus-based artisans, it can be developed with the One Village One Product (OVOP) approach with a cluster pattern. Pandanus-based handicrafts can be directed to become superior products in the Sajingan Besar area. The concept of One Village One Product (OVOP) is one of the approaches that can be used in designing a model for managing economic potential in the region with the goal of allowing the region to develop one superior product.
Beyond Financial Literacy: Impulsive Traits and Lifestyle as Drivers of Buy Now, Pay Later Usage among Generation Z Daniel; Wenny Pebrianti; Anggraini Syahputri; Wendy; Uray Ndaru Mustika
Journal of Educational Management Research Vol. 5 No. 5 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i5.3069

Abstract

This study aims to examine the effects of financial literacy, impulsivity, and lifestyle on Generation Z’s decision to use Buy Now, Pay Later (BNPL), as well as to investigate the moderating role of social media in these relationships. A quantitative explanatory approach was employed using an online survey of 300 Generation Z respondents selected through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The findings indicate that impulsivity and lifestyle have positive and significant effects on BNPL usage decisions, whereas financial literacy has no significant effect. Social media does not significantly moderate the relationships between any of the independent variables and BNPL usage decisions. The model yielded an R-square value of 0.069, indicating that the variables explain 6.9% of the variance in BNPL usage decisions, while 93.1% is explained by other factors outside the model. The findings highlight the importance of strengthening self-control and responsible financial behavior through targeted financial education to promote more prudent use of digital credit facilities.
Co-Authors Anggraini Syahputri Dedy Maria Angela Siokalang Uray Ndaru Mustika Wendy Wenny Pebrianti