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All Journal Jurnal Ilmiah Manajemen Kesatuan Fundamental and Applied Management Journal
Himmiyatul Amanah Jiwa Juwita
Universitas Brawijaya, Indonesia
Economics, Econometrics & Finance Social Sciences

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Locus of Control and Its Influence on Generation Z’s Financial Management in Malang Meda Shava Navilla; ⁠Sumiati ⁠Sumiati; Himmiyatul Amanah Jiwa Juwita
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 5 (2025): JIMKES Edisi September 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i5.3631

Abstract

This research investigates the effects of financial attitude, income, and financial knowledge on personal financial management (PFM) among Generation Z in Malang City, incorporating locus of control as a mediating factor. Utilizing a quantitative method, the study collected data from 325 Generation Z respondents through a survey and employed Structural Equation Modeling with Partial Least Squares (SEM-PLS) using SmartPLS software for analysis. The findings indicate that financial knowledge significantly and positively influences PFM, both directly and indirectly through the mediation of locus of control. In contrast, financial attitude does not exert a direct influence on PFM, though it significantly impacts locus of control. Income is found to have no significant effect on PFM, either directly or indirectly. These results underscore the importance of financial literacy and an individual’s internal belief in managing financial outcomes as key drivers of effective financial behavior among Generation Z. The study offers theoretical contributions by advancing the Theory of Planned Behavior and provides practical insights for educational and financial institutions to improve financial knowledge and strengthen internal control perceptions. Enhancing these elements may support Generation Z in achieving stronger financial security and long-term economic well-being.
The Effect of Rebranding on Purchase Intention Mediated by Brand Image and Perceived Quality: A Study of AZKO Consumers Tiara Maharani Bulqis Yuwono; Nanang Suryadi; Himmiyatul Amanah Jiwa Juwita
Fundamental and Applied Management Journal Vol. 4 No. 2 (2026): June
Publisher : Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/famj.v4i2.758

Abstract

Increasing competition in the retail industry and evolving consumer behavior have encouraged companies to adopt rebranding as an adaptive strategy to sustain competitiveness. The transformation from ACE Hardware to AZKO represents a significant case, particularly in understanding its impact on consumers’ purchase intention. However, changes in brand identity may create uncertainty in consumer perceptions, especially regarding brand image and perceived quality. Prior studies have also reported inconsistent findings on the direct effect of rebranding on purchase intention. This study aims to examine the effect of rebranding on purchase intention, with brand image and perceived quality acting as mediating variables. A quantitative approach was employed using a survey method targeting AZKO consumers. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that rebranding has a positive and significant effect on brand image and perceived quality. Furthermore, rebranding influences purchase intention both directly and indirectly through these mediating variables. Brand image and perceived quality are proven to play significant mediating roles in strengthening the relationship between rebranding and purchase intention. These findings suggest that the success of rebranding is not solely determined by changes in visual or identity elements, but also by the company’s ability to build a positive brand image and enhance consumers’ perception of quality. This study contributes to the marketing literature by highlighting the mediating mechanisms within the rebranding framework and offers practical implications for companies in designing effective rebranding strategies to increase consumer purchase intention.
Co-Authors Meda Shava Navilla Nanang Suryadi Tiara Maharani Bulqis Yuwono ⁠Sumiati ⁠Sumiati