Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
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This Author published in this journals
All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal of Asian Business and Management (IJABM)
Sakti, Angela Tiara
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Role of Lifestyle in Moderating the Influence of Financial Literacy and Ease of Use on the Consumptive Behavior PayLater Users on Generation Z in Surabaya City Sakti, Angela Tiara; Anwar, Muhadjir
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4814

Abstract

Shopee PayLater is a fintech service frequently used nowadays, particularly among Generation Z in Surabaya. The ease of using this service makes many of Generation Z use it for consumptive purposes, but enough financial capability does not follow it. This study seeks to examine how financial literacy and user-friendliness impact consumer spending tendencies, with lifestyle serving as a moderating variable. This research adopts quantitative methods using primary data. Respondents in this research were Generation Z users of Shopee PayLater in Surabaya. A total of 112 respondents were selected through a non-probability sampling technique, then analyzed with SEM-PLS. The results showed that Financial Literacy has a positive influence on Consumptive Behavior. The level of ease of use contributes significantly to individual consumption patterns. Lifestyle acts as a factor that strengthens the relationship between financial literacy and consumer behavior. Conversely, lifestyle does not have a moderating effect on the relationship between ease of use and consumer behavior among Shopee PayLater consumers in Surabaya.
Improving Quality of Wedding Event Management to Reduce Common Mistakes at Mahar Agung Organizer Using the Six Sigma Method Sakti, Angela Tiara; Kustini, Kustini
International Journal of Asian Business and Management Vol. 2 No. 6 (2023): December, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijabm.v2i6.7515

Abstract

This research aims to improve the quality of wedding event management at Mahar Agung Organizer using Six Sigma and DMAIC. The data used in this research is data on the number of events managed by Mahar Agung from 2021 to 2023. At the define stage, it was found that the type of defect that most often occurred at wedding events was events that did not run according to the rundown. At the measure stage, the DPMO value was obtained at 103,552 with a sigma value of 2.762. From the results of the analysis using a cause-and-effect diagram, it was found that several main factors caused defects in wedding event operations, including additional events outside the runway, delays in the arrival of vendors or guests, poor communication and crowded guests. In the improve stage, improvements were made to the process to obtain a DPMO value of 23,809 and a sigma value of 3.481, where there was an increase in the sigma value of 0.719. Improvements in service quality are carried out by providing training to official crew, details in event guidebooks, as well as improving communication methods so that the number of errors or defects can continue to decrease
Co-Authors Kustini Kustini Muhadjir Anwar