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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.
The Influence of Service Quality, Customer Relations and Product Quality on Intention to Return to The Bensara Café Through Customer Satisfaction as Mediation Daris Rahadian Purnawan; Andyan Pradipta Utama; Tine Yuliantini; Alvita Sari
Dinasti International Journal of Education Management And Social Science Vol. 6 No. 1 (2024): Dinasti International Journal of Education Management and Social Science (Octob
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v6i1.3209

Abstract

This study aims to analyze the influence of service quality, customer relationship, and product quality on revisit intention at The Bènsara Cafe, with customer satisfaction as a mediating variable. Coffee has become an important part of many people's daily lives, with Indonesia being one of the largest coffee producers in the world. The increase in coffee consumption has driven rapid growth in coffee shops, including in South Jakarta. The research method used is quantitative with a total of 170 respondents from the DKI Jakarta area, who have purchased at least once at The Bènsara Cafe. Data analysis was conducted using Smart PLS 3. The results show that service quality has a positive and significant effect on revisit intention. Customer relationship does not have a significant effect on revisit intention. Product quality has a positive and significant effect on revisit intention. Customer satisfaction also has a positive and significant effect on revisit intention. However, service quality, customer relationship, and product quality do not have a significant effect on revisit intention through customer satisfaction as a mediating variable. The theoretical contribution of this research is to provide insights into the influence of service quality, customer relationship, and product quality on revisit intention with customer satisfaction as a mediating variable. Practically, this study provides strategic recommendations for the owners of The Bènsara Cafe to improve service and product quality to increase customer revisit intention.
Market-Based Dynamic Capability Model with the Role of Government as Mediator for the Sustainability of SME Enterprises South Meruya, West Jakarta Sonny Indrajaya; Tine Yuliantini; Suprapto; Nia Kusuma Wardhani; Winda Widianty; Sri Hartono; Zikri Muhammad; Muhamad Maizar
Jurnal Pengabdian Masyarakat Vol. 7 No. 1 (2026): Jurnal Pengabdian Masyarakat
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpm.v7i1.2986

Abstract

Purpose: To examine how market-based dynamic capabilities influence SME sustainability in South Meruya, West Jakarta, emphasizing the mediating role of government support. Method: A conceptual model grounded in Resource-Based and Market-Based View theories was tested using questionnaire data from 25 SMEs, analyzed via Structural Equation Modeling (SEM). Practical Applications: Findings inform targeted training programs and policy frameworks that strengthen SMEs' adaptive capacity, export orientation, and responsiveness to sustainability demands through enhanced market-based knowledge and resource integration. Conclusion: Dynamic capabilities are effectively cultivated when SMEs strategically align market-oriented resources, capabilities, and knowledge within volatile, competitive environments, with government support critically mediating these relationships to foster long-term business sustainability.
The Effect of Competence, Transactional Leadership Style, and Organizational Culture on Business Sustainability, With Employee Performance as a Mediating Variable, at Mercu Buana University Mardiyah Noviana; Tine Yuliantini
Enrichment: Journal of Multidisciplinary Research and Development Vol. 4 No. 2 (2026): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v4i2.673

Abstract

This study is motivated by the increasing challenges faced by higher education institutions in maintaining business sustainability amid global competition, technological transformation, and declining student enrollment. Human resource quality, leadership style, and organizational culture are considered important factors in supporting institutional sustainability through improved employee performance. Therefore, this study aims to analyze the influence of competence, transactional leadership style, and organizational culture on business sustainability, with employee performance serving as a mediating variable at Mercu Buana University. This research employed a quantitative approach using a causal research design. Data were collected from 218 lecturers and educational staff selected through stratified random sampling. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 software. The findings revealed that competence, transactional leadership style, and organizational culture positively and significantly affect employee performance and business sustainability. Employee performance also significantly influences business sustainability and successfully mediates the relationship between the independent variables and sustainability. Organizational culture emerged as the strongest predictor of business sustainability. The study concludes that strengthening employee competencies, implementing effective transactional leadership, and developing a collaborative organizational culture are essential strategies for improving employee performance and ensuring the long-term sustainability of higher education institutions.
The Effect of Work Discipline and Work Environment on Employee Performance Sustainability Mediated by Job Satisfaction in Insurance Companies in South Jakarta Melia Ikkiu; Tine Yuliantini
Journal Research of Social Science, Economics, and Management Vol. 5 No. 8 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i8.1387

Abstract

This study examines the influence of work discipline, work environment, and job satisfaction as mediating variables on sustainable employee performance at an insurance company in South Jakarta. Data on employee work effectiveness indicates a fluctuating number of underwork hours. This phenomenon was evident in August 2022, reaching 14 hours (loss hours), or approximately 20% of the total working hours. This trend continued in the following months, which were considered to have relatively high numbers of lost hours. Furthermore, the researchers conducted a pre-survey on work performance, work discipline, work environment, and job satisfaction among 30 employees. This study aims to measure and analyze the influence of work discipline, work environment, and job satisfaction on sustainable employee performance as mediating variables. This research employed a quantitative approach. The population consisted of 300 permanent employees, with a sample of 166 respondents determined using the Slovin formula and purposive sampling technique. Data were collected through structured questionnaires and analyzed using the Structural Equation Modeling (SEM) method with the assistance of Smart PLS software. The results show that work discipline and work environment have a positive and significant effect on job satisfaction and sustainable employee performance. Furthermore, job satisfaction also has a positive and significant effect on sustainable employee performance. Mediation analysis reveals that job satisfaction plays a partial mediating role in the relationship between work discipline and work environment on sustainable employee performance.
The Influence of Brand Image, Brand Trust, and Product Quality on Repurchase Intention for Aqua Bottled Drinking Water in DKI Jakarta Amalia Nur Laili; Tine Yuliantini
International Humanities and Applied Science Journal Vol. 9 No. 1 (2026)
Publisher : Universitas Mercu Buana

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Abstract

This research aims to analyze the effects of Brand Image, Brand Trust, and Product Quality on Repurchase Intention of AQUA bottled drinking water products in DKI Jakarta. The subjects in this study were consumers who had purchased and consumed AQUA products in the DKI Jakarta area. The sample used in this study consisted of 280 respondents. This research employed a quantitative approach with a causal research design. The sampling technique used was non-probability sampling with purposive sampling method. Data were collected through the distribution of questionnaires using Google Form as the primary data source. The data analysis technique applied in this study was Structural Equation Modeling Partial Least Square (SEM-PLS) using SmartPLS 4.0. The results of this study indicate that (1) Brand Image has a positive and significant effect on Repurchase Intention, (2) Brand Trust has a positive and significant effect on Repurchase Intention, and (3) Product Quality has a positive and significant effect on Repurchase Intention. Keywords: Brand Image, Brand Trust, Product Quality, Repurchase Intention, AQUA
Establishing collaboration and knowledge sharing as a fear of missing out response in improving tourist travel agency innovation performance Hamdan Hamdan; Tine Yuliantini; Indra Raharja; Amzad Samudro; Hapzi Ali
BISMA (Bisnis dan Manajemen) Vol. 16 No. 1 (2023)
Publisher : Universitas Negeri Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/bisma.v16n1.p115-143

Abstract

The FoMO phenomenon usually occurs in individual behaviour on social media. However, recent research in the industrial context has investigated anxiety, fear of being left behind, fear of losing market advantage, and fear of losing competitiveness. This reinforces the still rare term FoMO as an important antecedent of business performance. Highlighting FoMO, as prior research has been limited, is the best way to fill the gap. As a result, an exploratory approach is used, and selecting the SEM-PLS analysis method is the right approach because it is predictive. The results of this study reveal that both direct and indirect effects between FoMO, intention to collaborate, intention to share knowledge, and innovation performance can be accepted and justified empirically. In addition, the mediator of the intention to collaborate is the one that contributes the most to influencing FoMO on the intention to share knowledge. Afterward, the mediator from the intention to share knowledge influences the intention to collaborate on innovation performance. This study confirms that the FoMO concept embedded in the minds of travel agency entrepreneurs is meaningful for success towards competitive innovation performance through the intention to collaborate and share knowledge.
TOWARDS THE BEST MODEL GOOD CORPORATE GOVERNANCE AND KNOWLEDGE MANAGEMENT TO IMPROVE PERFORMANCE THROUGH JOB SATISFACTION Subur Karyatun; Tine Yuliantini; Eko Saratian; Paijan Paijan; Mochamad Soelton; Elvira Riadi
Jurnal Riset Bisnis dan Manajemen Vol. 16 No. 2 (2023): August Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v16i2.9891

Abstract

The purpose of this study was to examine and assess the impact of Good Corporate Governance and Knowledge Management on Organizational Citizenship Behavior through the mediation of Job Satisfaction. Quantitative research using questionnaire collection techniques and SEM Smart-PLS, with a saturated sample of 86 employees. Finding, Good Corporate Governance has no effect on Organizational Citizenship Behavior, Knowledge Management has a significant effect on Organizational Citizenship Behavior, Good Corporate Governance and Knowledge Management has a significant effect on Job Satisfaction. Job satisfaction does not mediate the effect of good corporate governance on Organizational Citizenship Behavior, but is able to mediate the relationship between Knowledge Management and Organizational Citizenship Behavior. Interestingly, good company GCG does not necessarily increase employee OCB. GCG which still seems to be carried out only by decision makers in a directed manner so that employees do not feel they are part of the GCG implementation in the company.
CONCEPTUALIZING WORK ENGAGEMENT AND KNOWLEDGE SHARING TO INCREASE ORGANIZATIONAL CITIZENSHIP BEHAVIOR Tine Yuliantini; Yanto Ramli; Christian Kuswibowo; Renno Reymond Okto Zulfikar; Mochamad Soelton
Jurnal Riset Bisnis dan Manajemen Vol. 17 No. 2 (2024): August Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v17i2.12745

Abstract

   This research aims to analyze and test the influence of Work Engagement and Knowledge Sharing on Organizational Citizenship Behavior which is mediated by job satisfaction. Quantitative research using questionnaire collection techniques and SEM Smart-PLS, with a saturated sample of 190 employees. Finding, Work Engagement has a positive and significant effect on Organizational Citizenship Behavior. Knowledge Sharing does not affect Organizational Citizenship Behavior. Work Engagement and Knowledge Sharing has a positive and significant effect on Job Satisfaction. Job Satisfaction has a positive and significant effect on Organizational Citizenship Behavior. Job Satisfaction can mediate the influence of Work Engagement on Organizational Citizenship Behavior. Job Satisfaction is unable to mediate the influence of Knowledge Sharing on Organizational Citizenship Behavior. Anomalous findings, employees' high application of work procedures, and having experience appropriate to their current job, encourage employees to respect each other among co-workers even though they are not doing work outside their scope.
THE INFLUENCE OF INFORMATION QUALITY, INFLUENCER CREDIBILITY, AND CONSUMER TRUST ON PURCHASE DECISIONS OF AZARINE SERUM AMONG GENERATION Z Krisminun Sangeeta; Tine Yuliantini
International Humanities and Applied Science Journal Vol. 9 No. 2 (2026): IHASJ VOLUME 9, ISSUE 2, 2026
Publisher : Universitas Mercu Buana

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Abstract

The aim of this research is to explore how the quality of information, the credibility of influencers, and the level of consumer trust affect the buying choices of Azarine skincare serum products among Gen Z individuals in Jakarta. The skincare industry has been rapidly expanding, and the rise of influencer marketing has notably altered consumer buying habits. This research utilized a quantitative approach, specifically through surveys. Questionnaires were given to 240 Gen Z participants who regularly use Azarine serum products to gather data. The sampling technique applied was purposive sampling. Data analysis was conducted using structural equation modeling (SEM) with the partial least squares (PLS) method, assisted by SmartPLS 4. 1 software. The findings reveal that information quality, influencer credibility, and consumer trust all significantly and positively affect purchasing decisions. Among these three factors, the quality of information stood out as the most impactful on buying choices. These results suggest that skincare companies should prioritize providing precise and trustworthy information, choosing credible influencers, and fostering consumer trust to boost purchasing behavior.