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All Journal YUME : Journal of Management PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC)
Roseline, Roseline
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Economics, Econometrics & Finance Education Health Professions Social Sciences Other

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Mengelola Tekanan Keuangan: Pengaruh Financial Stress terhadap Financial Behavior melalui Financial Well-Being pada Generasi Z Roseline, Roseline; Kuandi Chandra, Deva Djohan, Loly Loly,
YUME : Journal of Management Vol 9, No 1
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yume.v9i1.11212

Abstract

Tekanan keuangan dan tingkat kesejahteraan finansial merupakan faktor penting yang memengaruhi perilaku keuangan individu, khususnya pada Generasi Z yang dihadapkan pada ketidakpastian ekonomi, tuntutan kemandirian finansial, serta dinamika gaya hidup modern. Kondisi tekanan keuangan yang dialami kelompok ini berpotensi memengaruhi kemampuan individu dalam merencanakan, mengelola, dan mengambil keputusan keuangan secara rasional. Penelitian ini bertujuan untuk menganalisis pengaruh financial stress terhadap financial behavior dengan financial well-being sebagai variabel mediasi pada Generasi Z di Kota Binjai. Populasi penelitian mencakup seluruh Generasi Z yang berdomisili di Kota Binjai, dengan sampel sebanyak 78 responden yang dipilih menggunakan teknik purposive sampling berdasarkan kriteria usia, domisili, dan pengalaman pengelolaan keuangan pribadi. Penelitian ini menggunakan pendekatan kuantitatif melalui metode survei dengan pengumpulan data primer menggunakan kuesioner terstruktur. Data dianalisis menggunakan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM) untuk menguji hubungan antarvariabel dalam model penelitian. Hasil penelitian menunjukkan bahwa financial stress berpengaruh signifikan terhadap financial behavior, sementara financial well-being berperan sebagai variabel mediasi yang menjelaskan hubungan tersebut. Temuan ini mengindikasikan bahwa tingkat kesejahteraan finansial yang lebih baik memungkinkan individu mengelola tekanan keuangan secara lebih adaptif, sehingga mendorong terbentuknya perilaku keuangan yang lebih rasional. Penelitian ini berkontribusi dalam memperkaya kajian keuangan perilaku dengan menegaskan peran strategis kesejahteraan finansial dalam menjembatani pengaruh tekanan keuangan terhadap perilaku keuangan Generasi Z, serta memberikan implikasi praktis bagi perumusan program edukasi dan kebijakan keuangan yang berorientasi pada penguatan kesejahteraan finansial generasi muda.Kata Kunci: Financial Stress, Financial Well-Being, Financial Behavior, Generasi Z
Customer Strategy Transformation Through CRM Innovation And Product Quality: Its Impact On Loyalty At Nou Coffee Shop: Transformasi Strategi Pelanggan Melalui Inovasi CRM dan Kualitas Produk: Dampaknya terhadap Loyalitas di Nou Coffee Shop roseline, Roseline; Sinaga, Hommy Dorthy Ellyany; Nasution, Edwin Sugesti
PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Vol. 4 No. 1 (2025): Inspiring Change: Innovating Together for the Future of the Economy
Publisher : Sekolah Tinggi Ilmu Ekonomi Eka Prasetya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47663/ibec.v4i1.336

Abstract

Nou Coffee is a local coffee shop in Medan adopts a modern, fast, efficient, and digitally integrated concept to deliver high-quality coffee. However, consumer loyalty has recently declined, indicated by fewer repeat visits and reduced digital interactions. The implementation of Customer Relationship Management (CRM) has often been less effective due to its generalized interactions, highlighting the need for more personalized, data-driven communication to strengthen relationships with consumers. In addition, product quality remains a key factor in building loyalty, including aspects such as taste, consistency, hygiene, raw materials, and comfort. Although Nou Coffee already uses high-quality coffee beans and a digital system, some customers perceive the taste and presentation consistency as unstable. This indicates that product quality is still the primary key to maintaining customer satisfaction and loyalty, even more important than technological convenience. The study employed a descriptive quantitative method. The population consisted of all consumers who had made purchases at Nou Coffee, totaling 10,122 customers. Using Slovin’s formula with a 95% confidence level and a 5% margin of error, the sample size was determined to be 385 respondents. The conclusion drawn from this research is that both partially and simultaneously, Customer Relationship Management (CRM) and Product Quality significantly influence consumer loyalty at Nou Coffee Shop.
Co-Authors Edwin Sugesti Nasution Kuandi Chandra, Deva Djohan, Loly Loly, Sinaga, Hommy Dorthy Ellyany