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All Journal Golden Ratio of Finance Management Advances: Jurnal Ekonomi & Bisnis
Sumilat, Ian Thomas
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Economics, Econometrics & Finance

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The Determinants of Financial Literacy, Consumptive Lifestyle and Parental Support on the Emergency Fund Formations among University Student in Makassar: English Giauw, Alfons; Pagiling, Novieanty; Giauw, Vinshen; Tandreas, Felix; Djiemesha, Ritchie; Sumilat, Ian Thomas
Golden Ratio of Finance Management Vol. 5 No. 2 (2025): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v5i2.1420

Abstract

This study explores the impact of financial literacy, consumptive, lifestyle, and parental support on the formation of emergency funds among university students in Makassar. With the rise of economic uncertainties, student’s ability to manage personal finances—especially saving for emergencies—has become increasingly important. However, many lack the financial knowledge, behavioral discipline, and external support needed to establish such reserves. Using a quantitative approach and survey data from 203 respondents, the study reveals that financial literacy and parental support positively and significantly influence emergency fund formation, while a consumptive lifestyle has a negative and significant effect. The simultaneous analysis shows that these three variables account for 51.8% of the variance in emergency fund formation behavior. These findings highlight the intertwined roles of knowledge, lifestyle habits, and family influence in shaping students’ financial preparedness. The study emphasizes the importance of targeted financial education and parental involvement to enhance students’ financial resilience, and suggests future research explore additional variables such as peer influence and digital finance tools.
Determinants of Purchase Decisions for Physical K-pop Albums: Evidence from Starship Entertainment Consumers in Indonesia Trisnawijaya, Muhammad Sa’ad; Jirajaya, Brian Jesse; Yosal, Richard Efrem; Tijang, Nicolas; Sumilat, Ian Thomas; Muchtar, Muchtar
Advances: Jurnal Ekonomi & Bisnis Vol. 4 No. 3 (2026): May - June
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/ajeb.v4i3.786

Abstract

Purpose: This study aims to analyze the influence of Service Quality, Brand Image, Promotion, and Product Quality on Customer Satisfaction and their implications for Purchase Decisions related to physical K-pop albums associated with Starship Entertainment artists. Research Method: This study employed a quantitative explanatory approach using survey data collected from 114 respondents in Indonesia who had previously purchased physical albums from Starship Entertainment artists. Respondents were selected using purposive sampling. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS software, including measurement and structural model evaluation. Results and Discussion: The findings indicate that Service Quality, Brand Image, Promotion, and Product Quality positively influence Customer Satisfaction. Furthermore, Customer Satisfaction positively influences Purchase Decisions for physical K-pop albums. The results suggest that consumers’ evaluations of product quality, promotional communication, service performance, and agency reputation contribute to purchasing behavior in the entertainment industry. Implications: The findings provide practical insights for entertainment agencies regarding the importance of maintaining product quality, effective promotional communication, service reliability, and positive brand reputation to strengthen consumer purchasing decisions. Originality: This study develops a structured marketing-based model that examines Purchase Decisions in the context of physical K-pop album consumption using measurable consumer behavior constructs.
Co-Authors Djiemesha, Ritchie Giauw, Alfons Giauw, Vinshen Jirajaya, Brian Jesse Muchtar muchtar Pagiling, Novieanty Tandreas, Felix Tijang, Nicolas Trisnawijaya, Muhammad Sa’ad Yosal, Richard Efrem