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Determinants of Financial Management Skills Among Indonesia’s Gen Z Iqbal Raditya Maulana; Sadamsyah; Miranda Tanjung
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 4 No. 3 (2024)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku2573

Abstract

New to the workforce, Gen Z's financial management skills are crucial. This study explores how factors like financial literacy, family education from family, financial attitude, hedonism lifestyle and financial knowledge on Generation Z’s financial management skills. A survey of 257 Gen Z members explored financial management skills using Structural Equation Modelling (SEM) analysis via SmartPLS 3.0 software. Financial education from family, hedonism lifestyle, and financial knowledge has no significant impact on Generation Z’s financial management skills. however, financial literacy and financial attitude have an impact. Research implications This Research's findings impact policymakers, financial institutions and academic. Academic institutions should provide sufficient financial education for Generation Z to empower them on financial choices. Policymakers must encourage prudent financial habits among Generation Z. This research focuses on Generation Z who are new to the workforce and many of the variations in the determinants of financial management skills have not been explored in previous research.
HOW E-WALLET USAGE TRIGGERS IMPULSIVE BUYING IN ONLINE LIVE SHOPPING PLATFORM: EVIDENCE FROM INDONESIA Sudhian Aryadipura; Muhammad Fikrinala Margaliu; Miranda Tanjung
MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Vol. 19 No. 2 (2025)
Publisher : Faculty of Economics and Business Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MATRIK:JMBK.2025.v19.i02.p02

Abstract

The study examines factors influencing impulsive buying in live shopping, focusing on e-wallet usage, hedonic motives, perceived risk, and celebrity endorsers. Using a quantitative, explanatory research, data were collected in 2024 from 349 respondents who had used live shopping features on Shopee, TikTok Shop, or Lazada with e-wallets in the last six months. Data analysis employed Structural Equation Modeling (SEM-PLS). Six hypotheses were tested, and results indicate that e-wallet usage positively influences impulsive buying, while hedonic motives mediate this effect. Celebrity endorsers strengthen the relationship between hedonic motives and impulsive buying, but perceived risk does not moderate the link between e-wallet usage and impulsive buying. However, perceived risk does not impact the relationship. The findings suggest that e-commerce platforms should leverage live shopping and celebrity endorsements to boost sales. Future research should explore additional moderators (e.g., cultural factors, interfaces) and longitudinal impacts of impulsive buying behavior in live commerce contexts.