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All Journal Finesta Asia-Pacific Management and Business Application Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Jurnal Pelayanan dan Pengabdian Masyarakat (Pamas) International Journal of Financial, Accounting, and Management INTEGRITAS : Jurnal Pengabdian Jurnal Abdi Insani Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Journal of Management - Small and Medium Enterprises (SME's) Prima Abdika: Jurnal Pengabdian Masyarakat Komatika: Jurnal Pengabdian Kepada Masyarakat Jurnal Abdimas Kartika Wijayakusuma Penamas: Journal of Community Service Jurnal Kreativitas dan Inovasi (Jurnal Kreanova) Lamahu: Jurnal Pengabdian Masyarakat Terintegrasi JURNAL SIPISSANGNGI: Jurnal Pengabdian Kepada Masyarakat
Mariana Ing Malelak
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Public Health Social Sciences Other

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The effect of debt attitude and peer influence on debt behavior Dusia, Sheron Leviany; Setyabudhi, Kezia Natasha; Malelak, Mariana Ing
International Journal of Financial, Accounting, and Management Vol. 4 No. 4 (2023): March
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v4i4.1457

Abstract

Purpose: This study examined the effect of debt attitude and peer influence on the debt behavior of paylater users by the millennial generation. Research methodology: This study used a quantitative approach. The research method used in this study is a survey method. The instrument was a questionnaire made with Google Forms. The analysis method used in this research is Structural Equation Modeling (SEM), with Partial Least Squares (PLS) analysis technique using SmartPLS 3. The population was working millennials in Indonesia. Samples were chosen using a non-probability sampling technique with a purposive sampling method so that the total sample size was 100 people. Results: The results of this study proved that debt attitude had a significant effect on the debt behavior of paylater users of the millennial generation. However, peer influence had no significant effect on the debt behavior of paylater users by the millennial generation. Limitations: This study is limited to a few factors: debt attitude and peer influence. Moreover, this study only collects data from the junior millennial generation in Indonesia, which results in narrowing this study. Contribution: The information provided by this study can help authorities identify the determinants of debt behavior and address the rising debt levels.
Determinants of Intention of Using Mortgage in Financing Home Ownership in Surabaya Anastasia, Njo; Thiosalim, Lidya Priskila; Malelak, Mariana Ing
APMBA (Asia Pacific Management and Business Application) Vol. 10 No. 1 (2021)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2021.010.01.4

Abstract

Expensive prices of houses compels an individual to make a purchase through a third party. This study aims to test the determinants of intention to use mortgage in financing home ownership in Surabaya. The sample was selected using purposive sampling form the population of Surabaya citizens who intended to use home ownership mortgage (Kredit Pemilikan Rumah, KPR). The data was analyzed is SmartPLS. This study finds that subjective norms, perceived behavioral control, knowledge of mortgage, and religiosity significantly affects the intention to use mortgage. Furthermore, attitude, however, does not affect it. The result of this study benefits bankers so that they are able to actively inform consumers about their mortgage products, to raise consumer’s intention to use them. Consumers will also be able to choose mortgage products that suit them best, and they can have a sense of security and convenience during the loan term.
Co-Authors Airell, Vernando Alexander, Gloria Aprilie Tan, Felice Carmelite Bavani, Melinda Brilliant, Nicholas Chandra Ly Dali Christanto, Levina Selly Christian Young Dequelju, Agnes Natalia Devina Angela Joeswanto Dewi Astuti Dewi Astuti Dusia, Sheron Leviany Erensia, Elena Ferdian, Edric Fiany Pryscillia Filmon, Wilson Fiolyn, Jennifer Gemiartha, Celine Morgan Gevionita Go William Gunawan Goey Lilian Oktaviani Gunawan, Adelynn Regina Gunawan, Nicholas Briliant Hadap, Billy Mathew Halim, Stella Hartanto, Delon Indriani Nastika Ariati Manu irene angelina Jocelyn, Angelique Kempa, Sesilya Kevin Gunawan Kurniawan, Abraham Ivan Leman, Stacey Estephania Leonardho Ozzie Limantara, Bryan Janson Melinda, Graceline Melvern, Myer Mintarja, Natasya Njo Anastasia Nurwijayanti Patricia, Michelle Prayogo, Nathania Cherryl Purnomo, Celine Natasha Pwee Leng Rachellika Dwi Rachellika Dwi, Rachellika Ratih Indriyani Retno Ardianti Reynard, Dave Riyan Ariadi Salviana, Fintacia Zelda Sautma Ronni Sellanova, Theressia Setiadiwiria, Mahersya Christiani Setyabudhi, Kezia Natasha Setyono, Yemima Caroline Sofian, Merviona Steffi Dewi Susanto, Jeffrey Belmiro Susilo, Agnes Regina Sutjiono, Gabriella Lavenia Teguh, Ansella Jovita Tetimau, Felicia Edlyn Thiosalim, Lidya Priskila Tirtamurti, Lim Madeleine Tjahjono, Yosephine Mevia Wijaya, Feysya Sandrina William Lie William Lie, William Wilson Nugrahalomo Wiranata, Destya Wong, Sharon Wongso, Enrico Yonathan Yonathan yusuf, keona adeline