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Understanding Gen Z’s Debt Behavior: Interplay of Knowledge, Self-Efficacy, and Psychological Stress Primanita Oktasari, Dian; Putri Renalita Sutra Tanjung; Wieta Chairunesia; Tine Yuliantini; Anees Janee Ali
Jurnal Internasional Penelitian Bisnis Terapan Vol 8 No 01 (2026)
Publisher : Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijabr.v8i01.578

Abstract

This research aims to analyze the impact of Financial Knowledge, Financial Self-Efficacy, and Financial Stress on debt usage behavior among Generation Z, employing the framework of the Theory of Planned Behavior (TPB). A quantitative methodology utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) was adopted for this study. Data were collected through an online survey involving 100 Generation Z respondents in Indonesia. The findings indicate that Financial Knowledge positively influences both Financial Self-Efficacy and Financial Stress. Furthermore, Financial Self-Efficacy is associated with a reduction in the tendency to incur debt, whereas Financial Stress tends to increase it. Both variables serve as mediators between Financial Knowledge and debt usage behavior. These findings underscore the significance of financial literacy, coupled with enhanced self-confidence in financial management and effective financial stress management, to mitigate the risks of excessive debt among Generation Z. This study contributes to the development of the TPB model by incorporating psychological and emotional dimensions in the financial decision-making processes of young individuals.
Optimization of digital marketing strategy through e-commerce is increasing SME sales Batik Cikadu, Tanjung Lesung, Pandeglang Prita Prasetya; Winda Widyanti; Riska Rosdiana; Febrina Mahliza; Dian Primanita Oktasari
Priviet Social Sciences Journal Vol. 2 No. 3 (2022): March 2022
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v2i3.174

Abstract

Digital marketing is one strategy that business actors can do to promote their business. This community service activity is in the form of training on optimizing digital marketing strategies through E-commerce to increase sales of SME Batik Cikadu, Tanjung Lesung, Pandeglang. Batik Cikadu is one of the creative industries that has experienced a decline in sales due to the pandemic. This training was held face-to-face in the Tanjung Lesung Special Economic Zone (SEZ), Pandeglang Regency, Banten. The training method is in the form of material presentation, followed by discussion and question and answer. The results of this training show the participants' enthusiasm by providing understanding and practical examples in making marketing strategies through social media. With this activity, each group member gains knowledge and experience in digital marketing through e-commerce to make it easier for SMEs to increase brand knowledge to consumers and sales.
The Impact of Macroeconomic Variables on the Performance of the SRI-KEHATI Index on the Indonesia Stock Exchange (2017–2024) Muhammad Ulul Albab; Dian Primanita Oktasari
Jurnal Ilmiah Manajemen dan Bisnis Vol. 12 No. 1 (2026): Jurnal Ilmiah Manajemen dan Bisnis
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jimb.v12i1.37628

Abstract

This study investigates the impact of selected macroeconomic indicators on the performance of the SRI-KEHATI Index in Indonesia during the 2017–2024 period. The explanatory variables consist of inflation, the policy interest rate, the rupiah to US dollar exchange rate, and gross domestic product (GDP), while the dependent variable is the SRI-KEHATI Index return. Employing a quantitative approach, the research applies a time series regression framework, preceded by stationarity diagnostics and supported by classical assumption tests to ensure statistical validity. Data were obtained from authoritative sources including Bank Indonesia, Statistics Indonesia, and the Indonesia Stock Exchange. The empirical results indicate that the exchange rate has a significant negative effect on the index performance, suggesting that rupiah depreciation tends to weaken sustainable stock returns. Conversely, inflation, interest rates, and GDP are found to have no statistically significant impact on the index within the observed period. These findings highlight the strategic importance of exchange rate stability in shaping sustainability-oriented investment strategies and provide valuable insights for policymakers, investors, and corporations seeking to strengthen their commitment to environmental, social, and governance (ESG) principles in the Indonesian capital market.