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All Journal Jurnal Ilmu Manajemen (JIM)
Ina Uswatun Nihaya
Universitas Negeri Surabaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh digital financial literacy, peer influence, self-control, dan lifestyle pada saving behavior generasi z penggemar k-pop di pulau jawa Naswa Marsha Azzara; Yuyun Isbanah; Nadia Asandimitra Haryono; Ina Uswatun Nihaya
Jurnal Ilmu Manajemen Vol. 14 No. 3 (2026)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v14n3.p572-584

Abstract

This study aims to analyze the influence of digital financial literacy, peer influence, self-control, and lifestyle on the saving behavior of Generation Z K-Pop fans in Java. The research method used is quantitative with a correlational approach. The research population is Generation Z K-Pop fans in Java, with sampling using non-probability snowball sampling. Data was collected through an online questionnaire and 220 respondents who met the research criteria were obtained. Data analysis was performed using the Structural Equation Modeling (SEM) method with the help of SmartPLS software version 4.1.1.4. The results showed that digital financial literacy and peer influence did not affect on saving behavior. Meanwhile, self-control and lifestyle had a positive and significant effect on the saving behaviour of Generation Z K-Pop fans in Java. This study contributes by explaining saving behavior within fandom-based consumption contexts, where financial decisions are driven by both emotional attachment and planned saving strategies. The practical implications emphasize the importance of continuous and inclusive financial education initiatives led by regulators, alongside improved accessibility and quality of banking services to support effective financial management. Additionally, the findings suggest the K-pop industry can contribute by providing secure, flexible payment features that encourage responsible financial planning, thereby helping individuals minimize financial risks and make more structured spending decisions.
Pengaruh Financial Literacy, Future Orientation, Financial Attitude, dan Financial Awareness Terhadap Perencanaan Pensiun Generasi Sandwich Di Jawa Timur Vika Faizatul Hidayah; Ina Uswatun Nihaya
Jurnal Ilmu Manajemen Vol. 13 No. 4 (2025)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v13n4.p879-890

Abstract

This study aims to analyze the influence of financial literacy, future orientation, financial attitude, and financial awareness on retirement planning among the sandwich generation in East Java. The sandwich generation, defined as individuals who are financially responsible for both elderly parents and children, faces unique pressures that may hinder their ability to prepare for retirement. A total of 165 respondents participated in this quantitative study, and data were analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS). The findings show that financial literacy has a negative effect on retirement planning, while future orientation, financial attitude, and financial awareness positively influence retirement planning behavior. These results highlight that behavioral and attitudinal aspects play a more significant role in shaping retirement planning compared to general financial knowledge. The practical implications highlight the need to broaden financial education beyond technical knowledge by strengthening future orientation, positive financial attitudes, and financial awareness through accessible training and digital tools. The government, financial institutions and policymakers are encouraged to provide transparent, flexible retirement products supported by targeted incentives for individuals with dual family responsibilities, in order to enhance retirement readiness among the sandwich generation.
Pengaruh locus of control, risk tolerance, financial wellbeing dan herding behavior Terhadap Keputusan Investasi pada Generasi Millenial dan Generasi Z Di Jawa Timur Riqqotul Arifa; Ina Uswatun Nihaya
Jurnal Ilmu Manajemen Vol. 14 No. 1 (2026)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v14n1.p41-55

Abstract

This study examines the influence of locus of control, risk tolerance, financial wellbeing, and herding behavior on investment decisions among Millennials and Gen Z in East Java. As these generations enter a crucial stage of financial planning, they face various challenges in making sound investment decisions. A total of 175 respondents participated in this study, consisting of individuals actively investing in the capital market. The research applied Structural Equation Modeling with Partial Least Squares (SEM-PLS) to analyze the data. The results reveal that financial wellbeing and herding behavior significantly influence investment decisions in both generations. Internal locus of control significantly affects investment decisions among Millennials but not among Gen Z. In contrast, external locus of control and risk tolerance do not have a significant effect on investment decisions in either generation. These findings suggest that financial stability and the tendency to follow group decisions—particularly through social and digital media play essential roles in shaping the investment behavior of young investors. This study contributes to a deeper understanding of behavioral finance in younger generations and offers practical implications for improving financial literacy and developing more targeted investment strategies.
Pengaruh struktur kepemilikan, leverage dan sales growth terhadap manajemen laba dengan kualitas audit sebagai variabel moderasi pada perusahaan sektor teknologi di Bursa Efek Indonesia tahun 2019-2023 Melindah Eka Zaputri; Ina Uswatun Nihaya
Jurnal Ilmu Manajemen Vol. 14 No. 1 (2026)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v14n1.p83-100

Abstract

This research aims to examine the influence of managerial ownership, institutional ownership, leverage, and sales growth on earnings management. This research is classified as quantitative research with a type of causality whose sample consists of 13 technology sector companies listed on the Indonesia Stock Exchange (BEI) for the 2019-2023 period. Data analysis was carried out using panel data analysis with STATA version 17. The results showed that institutional ownership, leverage and sales growth had no effect on earnings management because companies with institutional share ownership and high sales growth and leverage tended to focus more on increasing company value. Managerial ownership affects earnings management, because high managerial ownership can reduce earnings management due to the dual role of managers in the company. Audit quality does not moderate the relationship between independent variables and earnings management. This is because the company has not focused on improving the quality of internal governance or the auditor does not have full access to monitor the entire process in financial reporting. This research contributes as a source of information for strategic company decision making regarding earnings management practices used for future company development.
Co-Authors Melindah Eka Zaputri Nadia Asandimitra Haryono Naswa Marsha Azzara Riqqotul Arifa Vika Faizatul Hidayah Yuyun Isbanah