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All Journal Indonesian Journal of Business Analytics (IJBA)
Ika Pratiwi Simbolon
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Motivation, Self-Control and Financial Literacy on Financial Management of Gen Z Students in Tangerang Ika Pratiwi Simbolon; Christy Ayu Sarah Panjaitan; Lilis Susilawaty; Viola Anginette Muljo
Indonesian Journal of Business Analytics Vol. 5 No. 6 (2025): December 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v5i6.15902

Abstract

This study aims to examine the effect of motivation, self-control, and financial literacy on the financial management of Generation Z students in Tangerang. Using a purposive sampling method, 101 students who met the criteria of being part of Generation Z and domiciled in Tangerang were selected as respondents. The research employed a quantitative descriptive approach with data analyzed using SPSS. The findings reveal that motivation and financial literacy significantly influence financial management among Generation Z students, while self-control does not show a significant effect. These results underscore the importance of strengthening financial literacy and motivational factors to foster better financial behavior among young individuals. In today's rapidly changing economic environment, financial literacy provides a foundation for individuals to make informed financial decisions, manage their income wisely, and avoid risky financial behavior. Moreover, motivation plays a critical role in shaping an individual's willingness to plan, control, and pursue financial goals. Even though self-control is often associated with prudent financial behavior, this study finds it insufficient as a sole predictor of sound financial management among Generation Z. These insights are expected to serve as a valuable reference for educators, policymakers, and financial institutions in designing targeted programs that empower Generation Z with the knowledge and drive needed to make responsible financial decisions and achieve financial well-being in the future.
Sustainable Economic Development through Downstream Frankincense (Styrax Benzoin) Production in an Effort to Increase Farmers' Income in North Sumatra Ika Pratiwi Simbolon; Lilis Susilawaty; Ivana Valencia
Indonesian Journal of Business Analytics Vol. 5 No. 6 (2025): December 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v5i6.15903

Abstract

This study analyzes the potential of a frankincense downstreaming program as a strategy to increase community income in North Sumatra, the world's largest frankincense-producing province. Data on frankincense production and exports from North Sumatra for the 2020-2024 period show significant dominance in the global market, yet the added value received by farmers remains relatively low. This paper identifies the obstacles faced by farmers, such as limited access to processing technology, price fluctuations, and a lack of downstream infrastructure. Through a review of data from the Statistics Indonesia (BPS), the Ministry of Trade, and the North Sumatra Plantation Office, as well as a literature review related to sustainable economic development programs, this study proposes a downstreaming solution that focuses on the diversification of frankincense derivative products, increasing farmer human resource capacity, and an active government role in creating a conducive industrial ecosystem.
Co-Authors Christy Ayu Sarah Panjaitan Ivana Valencia Susilawaty, Lilis Viola Anginette Muljo