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THE MEDIATING ROLE OF FINANCIAL LITERACY AND FINANCIAL RISK TOLERANCE IN PARENTAL FINANCIAL TEACHING ON FINANCIAL ATTITUDES OF BUY NOW PAY LATER USERS IN GENERATION Z IN INDONESIA Septania, Tamara; Gosal, Gladys Greselda
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 12 No 1 (2025): JMBI UNSRAT Volume 12 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v12i1.60391

Abstract

This research examines the intermediary roles of financial literacy and financial risk tolerance in the connection between parental financial teaching and the financial attitudes of Generation Z users of Buy Now Pay Later (BNPL) services in Indonesia. The study analyzed data from 199 respondents aged 18 to 26, using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that parental financial teaching significantly affects financial literacy, risk tolerance, and financial attitudes. Financial literacy was found to mediate the influence of parental teaching on financial attitudes, highlighting its essential role in fostering responsible financial behaviors. Conversely, financial risk tolerance did not demonstrate a significant mediating role, suggesting limited awareness of the risks tied to BNPL usage. These outcomes emphasize the importance of parental financial education and financial literacy in encouraging prudent financial behaviors. The study underscores the urgent need for targeted financial education to promote responsible BNPL usage among young adults.
Optimalisasi Lembaga Masyarakat dan Kelompok Disabilitas Desa Wonomerto dalam Peningkatan Nilai Ekonomis “Meronce” melalui Kolaborasi dengan Universitas Ongkowijoyo, Margareth; Septania, Tamara; Yulianto, Jony Eko
Bakti Budaya: Jurnal Pengabdian kepada masyarakat Vol 8 No 2 (2025): 2025: Edisi 2
Publisher : Faculty of Cultural Sciences, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/bakti.19870

Abstract

Wonomerto Village is home to several groups of people with disabilities who face challenges in securing a steady income. However, these groups possess valuable skills in crocheting, knitting, and baking, which they acquired through community empowerment programs facilitated by various universities in the previous year. Recognizing this potential, the 2024 PPK Ormawa program aims to support these individuals by developing a sustainable handicraft business to enhance the community’s economic capacity. From July to October 2024, a dedicated team of university students and lecturers will collaborate with community members to provide comprehensive crochet training, covering everything from production techniques to effective marketing strategies. This program is designed not only to enhance technical skills but also to foster essential soft skills such as teamwork, creativity, and entrepreneurship. By the end of the training, participants will have the opportunity to showcase their crafted goods and apply learned marketing tactics. Initial evaluations indicate that participants are gaining confidence and are better equipped to identify potential business opportunities within the arts and crafts sector. By employing a participatory and community-focused approach, the crochet training initiative is significantly raising awareness and building the capacity of the Wonomerto Village community to leverage its local talents. This initiative not only empowers individuals but also promotes economic growth and sustainability within the village. === Desa Wonomerto memiliki sejumlah kelompok masyarakat penyandang disabilitas yang belum memiliki penghasilan tetap. Namun demikian, kelompok ini memiliki berbagai keterampilan dasar, seperti meronce, merajut, dan membuat kue, yang didapatkan dari beberapa program pemberdayaan masyarakat desa yang dilakukan oleh kampus-kampus lain pada tahun sebelumnya. Sebagai bagian dari program PPK Ormawa 2024, kami menindaklanjuti potensi tersebut dengan berkolaborasi mengembangkan potensi bisnis kerajinan tangan untuk meningkatkan kapasitas ekonomi warga. Selama 4 bulan (Juli—Oktober 2024), tim mahasiswa dan dosen universitas bekerja sama dengan kelompok masyarakat melaksanakan pelatihan meronce, dari latihan produksi hingga pemasaran. Program ini tidak hanya berfokus pada peningkatan keterampilan teknis, tetapi juga pengembangan softskills seperti kerja sama tim, kreativitas, dan kewirausahaan. Di akhir pelatihan ini, para peserta mendemonstrasikan keterampilan mereka dalam memasarkan hasil karya kerajinan. Hasil post-test menunjukkan bahwa warga juga menjadi lebih positif dan mampu mengenali peluang bisnis seni dan kerajinan. Melalui pendekatan partisipatif dan berbasis komunitas, pelatihan meronce berhasil meningkatkan kesadaran dan kapasitas masyarakat Desa Wonomerto dalam memanfaatkan potensi lokal yang dimilikinya.