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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN To Maega: Jurnal Pengabdian Masyarakat Jurnal Muara Ilmu Ekonomi dan Bisnis Jurnal Ekonomi Manajemen Sistem Informasi Business Management Journal Program Studi Manajemen Jurnal Bisnis dan Kewirausahaan (Journal of Business and Entrepreneurship) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Journal of Accounting and Finance Management (JAFM) Asian Journal of Management Analytics Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) GLORY Jurnal Ekonomi dan Ilmu Sosial International Journal of Application on Economics and Business International Journal of Psychology and Health Science
Siratan, Elkunny Dovir
Bunda Mulia University
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Nursing Social Sciences Other

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Exploring the Influence of Financial Literacy, Financial Attitudes, Self-Control, and Hedonistic Lifestyle on Generation Z's Financial Management Behavior: A Study on PayLater Usage in Jakarta Vincent Colin; Tannia Tannia; Elkunny Dovir Siratan; Caliska Aldira Kusbiantoro
Asian Journal of Management Analytics Vol. 5 No. 1 (2026): January 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v5i1.16097

Abstract

This study investigates the influence of financial literacy, financial attitude, self-control, and lifestyle on financial management behavior in the context of PayLater usage among Generation Z in Jakarta. The research aims to determine whether these factors significantly affect to shaping responsible financial behaviors, particularly concerning online payment services. A quantitative approach was used and data were processed using IBM SPSS version 22, utilizing primary data gathered through an online questionnaire distributed to university students and young workers aged 17-26 who have used PayLater services. The results reveal that financial literacy, financial attitude, and self-control significantly impact financial management behavior, while lifestyle, specifically hedonistic tendencies, does not show a significant influence. These findings underscore the importance of improving financial literacy and self-control to enhance financial decision-making within Generation Z.
PERAN SELF-EFFICACY FINANSIAL MEMEDIASI FINANSIAL LITERASI DIGITAL DAN RISK TOLERANCE PADA NIAT INVESTASI Elkunny Dovir Siratan; Very Budiyanto; Catheryn Iona Nelson; Ernie Riswandari; Gladys Erin Gunawan
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 2 (2026): Edisi Mei - Agustus 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i2.7602

Abstract

Penelitian ini bertujuan menganalisis pengaruh literasi finansial digital dan toleransi risiko terhadap niat investasi saham Generasi Z non-investor, dengan efikasi diri finansial sebagai variabel mediasi. Penelitian menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner daring berskala Likert 5 poin. Sampel penelitian berjumlah 160 responden Generasi Z kelahiran 1997 sampai 2012 yang memiliki akses terhadap informasi atau platform keuangan digital, tetapi belum pernah membeli atau berinvestasi saham. Variabel penelitian meliputi literasi finansial digital, toleransi risiko, efikasi diri finansial, dan niat investasi. Data dianalisis menggunakan Partial Least Squares Structural Equation Modeling dengan SmartPLS 3 melalui pengujian outer model dan inner model. Hasil penelitian menunjukkan bahwa seluruh konstruk valid dan reliabel. Nilai R-square efikasi diri finansial sebesar 0,589 dan niat investasi sebesar 0,541, sehingga model memiliki kemampuan prediktif moderat. Literasi finansial digital dan toleransi risiko berpengaruh positif dan signifikan terhadap efikasi diri finansial serta niat investasi. Efikasi diri finansial juga berpengaruh positif dan signifikan terhadap niat investasi. Selain itu, efikasi diri finansial terbukti memediasi pengaruh literasi finansial digital dan toleransi risiko terhadap niat investasi. Temuan ini menegaskan bahwa niat investasi saham Generasi Z non-investor tidak hanya dipengaruhi oleh pengetahuan digital dan kesiapan menerima risiko, tetapi juga oleh keyakinan diri dalam mengambil keputusan finansial.
DETERMINANTS GREEN MARKETING AND CSR ON GREEN PURCHASE INTENTION THROUGH GREEN BRAND IMAGE AT FORE COFFEE JABODETABEK REGION Kayla Lyzandra; Elkunny Dovir Siratan
International Journal of Application on Economics and Business Vol. 4 No. 2 (2026): May 2026
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v4i2.556-568

Abstract

Growing public concern about environmental issues and sustainability has encouraged food and beverage companies to adopt eco-friendly strategies as a source of market differentiation. This study examines the effects of green marketing and Corporate Social Responsibility on green purchase intention, with green brand image serving as a mediating variable, in the context of Fore Coffee in Greater Jakarta. A quantitative approach was applied by involving 250 respondents living in Greater Jakarta who had never purchased Fore Coffee products. The respondents were selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed with partial least squares structural equation modeling through SmartPLS 3.0 to test the direct and mediating relationships among the variables. The findings reveal that green marketing has a positive and significant effect on both green purchase intention and green brand image. Corporate Social Responsibility also shows a positive and significant influence on these two variables. In addition, green brand image positively and significantly affects green purchase intention and mediates the relationship between green marketing and green purchase intention, as well as between Corporate Social Responsibility and green purchase intention. These results indicate that green brand image plays an important role in converting environmental initiatives into purchase intention. This study contributes to the green marketing literature, particularly in the coffee retail sector in developing countries. Its novelty lies in focusing on prospective customers, rather than existing consumers, within a highly competitive urban coffee market.
PENGARUH DIGITAL LEADERSHIP DAN AI READINESS TERHADAP KINERJA KARYAWAN DENGAN LITERASI DIGITAL SEBAGAI VARIABEL MEDIASI Sophia Reni Susilo; Elkunny Dovir Siratan; Aldi Bernatha; Manongga Bryan Christian; Maria Josepha Cendry Sudirman
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 2 (2026): Edisi Mei - Agustus 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i2.7757

Abstract

Penelitian ini bertujuan menganalisis pengaruh digital leadership dan AI readiness terhadap kinerja karyawan dengan literasi digital sebagai variabel mediasi pada startup berbasis teknologi dan divisi digital-intensif di Indonesia. Penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling terhadap 160 karyawan tetap yang telah bekerja minimal satu tahun, memiliki atasan langsung, dan aktif menggunakan aplikasi digital, sistem otomasi, data analytics, atau AI tools. Data dikumpulkan melalui kuesioner daring berskala Likert lima poin dan dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui SmartPLS 3. Hasil penelitian menunjukkan bahwa seluruh konstruk memenuhi validitas dan reliabilitas. Digital leadership, AI readiness, dan literasi digital berpengaruh positif signifikan terhadap kinerja karyawan. Digital leadership dan AI readiness juga berpengaruh positif signifikan terhadap literasi digital. Selain itu, literasi digital terbukti memediasi pengaruh digital leadership dan AI readiness terhadap kinerja karyawan. Model mampu menjelaskan 58,2% variasi kinerja karyawan dan 45,4% variasi literasi digital. Temuan ini menegaskan bahwa peningkatan kinerja karyawan dalam ekosistem kerja digital tidak hanya ditentukan oleh ketersediaan teknologi, tetapi juga oleh kepemimpinan digital, kesiapan individu terhadap AI, dan penguatan literasi digital secara berkelanjutan.
Co-Authors Aldi Bernatha Anastasia Erdina Renaganis Anatasia, Velly Anto, Jimmy Caliska Aldira Kusbiantoro Catheryn Iona Nelson Cristia Dewi, Angelia Dozen, Wily Elim, Rickel Arial Kaisar Ernie Riswandari Ferry Novindra Idroes Florencia, Livia Evangelina Gladys Erin Gunawan Handoko Handoko Hendri Setiadi Jeffri, Jeffri Jessie Jessie Kayla Lyzandra Kevin Santoso Manongga Bryan Christian Maria Josepha Cendry Sudirman Michelle Phang Nicky Hermawan Novia Sri Parindu Purba Reni Susilo, Sophia Rini Kus Tresno Ningsih Sherly Sherly Sophia Reni Susilo Susilo, Sophia Reni Tannia Tannia Tannia, Tannia Tannia, Tannia Temy Setiawan, Temy Theresia Olivia Tju Meriana Tutuhatunewa, Daniel Gilberth Filadelfia Vania Priskila Very Budiyanto Vincent Colin Vinni Wahyuni