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Can Self-Control Improve Students' Financial Management Behavior? Evidence from Financial Technology Payment and Financial Literacy Ni Putu Rossa Cempaka Dewi; Ni Luh Anik Puspa Ningsih; Ida Ayu Surasmi; Ida Bagus Udayana Putra; Luh Putu Indiani
Cakrawala Repositori IMWI Vol. 9 No. 5 (2026): Cakrawala Repository IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

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Abstract

This study aims to analyze the effects of financial technology payments and financial literacy on university students' financial management behavior in Denpasar City, while also examining the moderating role of self-control. This study employed a quantitative approach using a questionnaire distributed to 100 university students in Denpasar City selected through purposive sampling. The data were analyzed using Moderated Regression Analysis (MRA) with SPSS version 25. The results indicate that financial technology payments have no significant effect on financial management behavior, whereas financial literacy has a positive and significant effect on financial management behavior. Furthermore, the moderation analysis reveals that self-control positively and significantly moderates the relationship between financial technology payments and financial management behavior, as well as the relationship between financial literacy and financial management behavior. This study implies that improving students' financial management behavior requires not only strengthening financial literacy and encouraging the prudent use of digital payment technology but also enhancing self-control as a key factor in supporting responsible financial decision-making.
Analysis Of Factors Influencing Consumer Purchase Decisions for Subak Timbul Rice Gede Krisna Mahartajaya; Ayu Sita Laksmi; Ni Luh Anik Puspa Ningsih
Journal of Entrepreneurial and Business Diversity Vol. 4 No. 2 (2026): Journal of Entrepreneurial and Business Diversity (April-June)
Publisher : PT. Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/jebd.v4i2.448

Abstract

Purpose:This study examines and analyzes the effects of product quality, price, and promotion on consumer purchase decisions for Subak Timbul Rice.Methodology:The study involved 100 prospective consumers of Subak Timbul Rice. The sample size was determined using the Lemeshow formula, respondents were selected using probability-based simple random sampling, and the data were analyzed using descriptive statistics, classical-assumption tests, multiple linear regression, and t- and F-tests.Findings:Product quality, price, and promotion simultaneously have a positive and significant effect on consumer purchase decisions. Each variable also has a positive and significant partial effect on purchase decisions.Implication:Subak Timbul should strengthen supply-chain transparency and product identity, provide more flexible package sizes and competitive prices, intensify digital promotion, and develop relationship-building programs that encourage repeat purchasing.
Co-Authors A.A. Media Martadiani, A.A. Media Agus Pandu Bastian Agus Santosa Anak Agung Gede Raka Gunawarman Anak Agung Sri Agung Aryastuti anik puspa anik puspa Asri Lestarini Ayu Sita Laksmi Azis, Ita Sylvia Azita Cahyawati, Putu Nita Cokorda Krisna Yuda Darma Kotama, I Nyoman Darma, I Ketut Dewa Ayu Inten Mahaputri Dewa Ayu Kadek Claria Dewa Gede Semara Edi, Dewa Gede Semara Dewi, Made Pratiwi Dewi, Made Pratiwi Gde Candra Yogiswara Gde Candra Yogiswara Gede Krisna Mahartajaya I Ketut Darma I Ketut Sugihantara I Komang Try Satriawan Korry I Made Artawan I Putu Artha Yasa Wijaya I Wayan Dedek Surya Mahadipa I Wayan Parwata Ida Ayu Sasmitha Putri Ida Ayu Surasmi Ida Ayu Surasmi Ida Bagus Udayana Putra Karyati, Ni Kadek Tata Kevin Ken Krensia Isidora Wea Wea Kristianti, Ni Made Eka Linggasani, Made Anggita Wahyudi Luh Gede Sri Artini Luh Putu Indiani Made Kusuma Wardani Made Pratiwi Dewi Made Pratiwi Dewi Mustika, Rhenasya Oktiani Ni Luh Made Mahendrawati Ni Luh Putu Indiani Ni Luh Putu Sriastiti Ni Made Eka Kristianti Ni Putu Erlin Pramesti Ni Putu Ratih Pradnyaswari Anasta Putri Ni Putu Rediatni Giri Ni Putu Rediatni Giri Ni Putu Rossa Cempaka Dewi Ni Putu Taris Aprilia Dewi Ni Wayan Eka Novia Ni Wayan Kasni, Ni Wayan Ni Wayan SITIARI Nitiwidari, Dewa Ayu Putu Novia, Ni Wayan Eka Pande Ayu Naya Kasih Permatananda Prabawa, Made Suryanatha Pradnyawati, Luh Gede Pratiwi, Ni Made Widya Putri, Ni Putu Ratih Pradnyaswari Anasta Putu Dyah Pradnya Paramitha Putu Hella Mey Artha Putu Ngurah Suyatna Yasa Putu Nita Cahyawati Putu Nita Cahyawati Sang Ayu Made Putri Suryani, Sang Ayu Made Putri Santini, Ni Made Sarmawa, I Wayan Gde Sastrawan, Wirya Setini, Made Sugiati, Gusti Ayu Surasmi, Ida Ayu Trisnadewi, AA Ayu Erna Wicaksana, Gde Bagus Andhika Widari, Dewa Ayu Putu Niti Widiastari, Ketut Ayu YAMAWATI, Ni Kd. Sioaji