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Christiany Shyntia Tombokan
Sekolah Tinggi Bisnis dan Manajemen Dua Sudara Bitung
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Literasi Keuangan Dan Financial Self- Efficacy Terhadap Risky Credit Behavior Dalam Penggunaan Paylater Pada Mahasiswa Generasi Z Di Stbm Dua Sudara Bitung Christiany Shyntia Tombokan; Stephanie Mervin Tooy; Oktaviani Ramenusa; Christophel Patrik N. Sapan
Jurnal Economic Resource Vol. 9 No. 2 (2026): April - September
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i2.2509

Abstract

This study aims to analyze the influence of financial literacy and financial self- efficacy on risky credit behavior in the use of paylater services among Generation Z students at STBM Dua Sudara Bitung. The rapid growth of digital financial services, particularly the Buy Now Pay Later (BNPL) feature, provides easier access to credit, which may encourage risky credit behavior if not supported by adequate financial knowledge and self-control. Research employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to Generation Z students at STBM Dua Sudara Bitung. Data analysis techniques included validity testing, reliability testing, classical assumption tests, multiple linear regression analysis, t-test, F-test, and coefficient of determination (R²). Results indicate that financial literacy has a negative and significant effect on risky credit behavior, meaning that higher levels of financial literacy reduce the tendency toward risky credit use. Financial self-efficacy also has a negative and significant effect on risky credit behavior, indicating that individuals’ confidence in managing their finances can minimize irresponsible credit usage. Simultaneously, financial literacy and financial self-efficacy significantly influence risky credit behavior. Findings highlight the importance of improving financial literacy and strengthening financial self-confidence to promote more responsible digital credit usage among university students.
Efektivitas Marketing Mix (7P) dalam Meningkatkan Loyalitas Pelanggan Bisnis Penginapan di Kota Bitung Stephanie Mervin Tooy; Christiany Shyntia Tombokan; Oktaviani Ramenusa; Daysi Fikka Kelejan; Della Sumendap
Jurnal Economic Resource Vol. 9 No. 2 (2026): April - September
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i2.2575

Abstract

This study aims to analyze the effect of the 7P marketing mix, consisting of product, price, place, promotion, people, process, and physical evidence, on customer loyalty at Crysant Accommodation in Bitung City. A quantitative approach with a survey method was employed. The study population consisted of 91 customers who had stayed at the accommodation more than once during the previous one year. Since the population was relatively small, all members of the population were included as respondents using a saturated sampling technique. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression. The results indicate that product, place, process, and physical evidence have a positive and significant effect on customer loyalty. In contrast, price and people do not have a significant effect on customer loyalty. Promotion has a negative and significant effect on customer loyalty. These findings indicate that customer loyalty at Crysant Accommodation is more strongly associated with product quality, accessibility, service processes, and the physical condition of the accommodation. Therefore, management should maintain product and service quality, improve facilities and customer comfort, and evaluate promotional strategies to ensure that they are better aligned with customer needs.
Co-Authors Christophel Patrik N. Sapan Daysi Fikka Kelejan Della Sumendap Oktaviani Ramenusa Stephanie Mervin Tooy