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All Journal Journal of Social Research Outline Journal of Economic Studies
Fauziah, Najwa
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Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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The Effect of Financial Literacy, Financial Attitude, and Income on Personal Financial Management Behavior Among Millennials in Lhokseumawe City Bustami, Koko; Fauziah, Najwa; Oktaviany, Rina; Murni , Murni
Journal of Social Research Vol. 4 No. 11 (2025): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v4i10.2855

Abstract

This study examines the influence of financial literacy, financial attitude, and income on the personal financial management behavior of millennials in Lhokseumawe City. As a productive demographic, millennials face significant economic pressures, making effective financial management crucial. This study aims to determine the influence of financial literacy, financial attitude, and income on personal financial management behavior of the millennial generation in Lhokseumawe City. The population in this study consisted of all millennial generations in Lhokseumawe City aged between 29 and 44 years, totaling 47,732 people. The approach used in this study was quantitative, employing a survey method by distributing questionnaires to 100 respondents selected through simple random sampling techniques. Data analysis was carried out using multiple linear regression to test the partial and simultaneous effects of the independent variables on the dependent variable. The results of the study indicate that, partially, financial attitude has a significant effect on personal financial management behavior, while financial literacy and income do not have a significant partial effect. However, simultaneously, the three variables have a significant effect on the personal financial management behavior of the millennial generation in Lhokseumawe City. This study implies that increasing positive financial attitudes plays an important role in forming healthy financial behavior. In addition, although financial literacy and income do not have a direct effect, it remains necessary to increase financial awareness and understanding in the younger generation.
Digital Supply Chain Optimization in E-Commerce Bubiess Beads Using The Simplex Method Based On Coefficient Matrix Naila, Nabilla Alya; Fauziah, Najwa; Nurhalimah; Mukhtar, Naufal Ihsan Hadi; Simanjuntak, Loranty Folia
Outline Journal of Economic Studies Vol. 5 No. 2: April - September 2026
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/kejper26

Abstract

Purpose: Differences in raw material shipping costs from multiple suppliers can increase production costs for small e-commerce businesses, especially handmade product businesses reliant on multi-source procurement. This issue is also experienced by bubiess.beads in determining the most efficient supplier. This study aims to determine optimal raw material procurement decisions to minimize production costs while maximizing monthly production profit. Methods: A mathematical model representing the relationship between decision variables and procurement constraints in coefficient matrix form was developed, combining supplier consolidation through cost minimization and production mix optimization through profit maximization, both solved using the simplex method. Results: Consolidating procurement to a single supplier reduced total costs from Rp131,900 to Rp114,700 per month through a 75.9% reduction in shipping fees. The optimal production mix of 15 units each for bracelets, necklaces, and accessories generated maximum profit of Rp817,500 per month, an 11.2% improvement over pre-optimization conditions. Conclusions: The model provides more efficient procurement decision alternatives, reducing production costs and supporting supply chain decision-making in small-scale e-commerce businesses. Originality/value: This study introduces an integrated two-model approach combining supplier selection and production mix optimization within a coefficient matrix framework, applied to a handmade accessory MSME operating through digital supply chains, an underexplored context in existing operations research literature.
Co-Authors Koko Bustami Loranty Folia Simanjuntak Mukhtar, Naufal Ihsan Hadi Murni , Murni Naila, Nabilla Alya NURHALIMAH Oktaviany, Rina