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All Journal Jurnal Manajemen Teori dan Terapan BUDGETING : Journal of Business, Management and Accounting
Phangestu, Steffany Jessica
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Education Social Sciences

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Laporan Analisa Manajemen Proyek pada Usaha “The Heat Packz” Phangestu, Steffany Jessica; Edison, Edison; Andrian, Salsabila Syifa
BUDGETING : Journal of Business, Management and Accounting Vol 6 No 1 (2024): BUDGETING : Journal of Business, Management and Accounting
Publisher : Institut Penelitian Matematika Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

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Abstract

Based on the business report “The Heat Packz”, it can be concluded that the “The Heat Packz” project has succeeded by implementing established project management principles. This success is evident from the application of strict quality management, where each production stage is monitored to ensure the product meets set standards. Additionally, the use of the RACI matrix has clarified team members' roles and responsibilities, ensuring tasks are completed efficiently and on time. The project also demonstrated effectiveness in communication strategy and risk management. By developing and implementing an effective communication plan, all stakeholders received necessary information promptly. Good risk management, including risk identification and mitigation, ensured the project ran smoothly without significant obstacles. Furthermore, efficient inventory planning and stakeholder relationship management supported stable operations and met consumer expectations, contributing to the overall success of the project. Keywords: Communication Strategy, Project Management, Quality Management, RACI Matrix, Risk Management
Navigating Digital Credit: How Risky Indebtedness Behavior and Impulsive Buying Shape Buy-Now-Pay-Later Intention? Hesniati, Hesniati; Phangestu, Steffany Jessica; Marheni, Dewi Khornida; Arviano, Hengky
Jurnal Manajemen Teori dan Terapan| Journal of Theoretical and Applied Management Vol. 18 No. 3 (2025)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jmtt.v18i3.77543

Abstract

Objective: This study examines the psychological factors influencing consumers’ intention to use Buy Now Pay Later (BNPL) services, focusing on the roles of risky indebtedness behavior, impulsive buying, and attitude toward credit, while exploring gender-based differences. Design/Methods/Approach: Drawing on the Theory of Planned Behavior and Self-Regulation Theory, data were collected from 401 BNPL users using an online survey. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) and multigroup analysis by gender. Findings: Risky indebtedness behavior, impulsive buying, and attitude toward credit significantly influence BNPL intention, with attitude serving as a key mediator. Impulsive buying indirectly affects BNPL intention through risky indebtedness and attitude toward credit. The multigroup analysis reveals that male consumers’ BNPL intention is more strongly influenced by impulsive buying, whereas female consumers’ intention is driven primarily by risky indebtedness behavior through attitude toward credit. Originality/Value: This study contributes to behavioral finance research by integrating TPB and SRT to explain BNPL adoption behavior. It offers new insights into how gender differences shape the psychological mechanisms in credit-based consumption. Practical/Policy implication: BNPL providers should tailor strategies such as targeted spending alerts and marketing campaigns to address behavioral differences across gender groups. Regulators should focus on enhancing digital financial literacy and self-regulation awareness, ensuring transparent product information, enforcing spending limits, and integrating educational programs to mitigate risky indebtedness and impulsive buying behaviors.
Co-Authors Andrian, Salsabila Syifa Arviano, Hengky Edison Edison Hesniati, Hesniati Marheni, Dewi Khornida