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All Journal Maneggio
Andi Harnas Baharuddin
Universitas Muslim Indonesia
Decision Sciences, Operations Research & Management

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The Influence of Financial Stress on Student Consumption and Savings Behavior in the Era of Economic Crisis Andi Harnas Baharuddin; Ramlawati Ramlawati; Suriyanti Suriyanti
Maneggio Vol. 2 No. 4 (2025): AUGUST-MJ
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/53gs8097

Abstract

  This study aims to analyze the influence of financial stress on the consumption and savings behavior of college students during the economic crisis. The research method used a quantitative approach with a survey technique using a questionnaire to 200 college students as respondents. Data analysis was conducted through multiple linear regression tests to examine the relationship between variables. The results showed that financial stress had a positive and significant effect on college students' consumption behavior, while it had a negative and significant effect on savings behavior. These findings confirm that financial stress encourages increased consumption, both for primary needs and lifestyle, while simultaneously reducing students' ability to save. This study has important implications for college students, educational institutions, and policymakers regarding the need for financial literacy and personal financial management strategies amid the economic crisis.
The Role of Work-Life Balance in Employee Retention: A Systematic Literature Review among Millennials and Generation Z Andi Harnas Baharuddin
Maneggio Vol. 3 No. 4 (2026): AUGUST - MJ
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/jxjt3x46

Abstract

Employee retention has become a critical strategic concern for organizations navigating a workforce increasingly composed of Millennials and Generation Z, two cohorts widely known for prioritizing balance between professional and personal life over traditional incentives such as salary alone. This study conducts a systematic literature review examining the role of work-life balance in shaping employee retention among these two generational cohorts. Following PRISMA 2020 guidelines, twenty-five peer-reviewed articles published between 2021 and 2026 were identified, screened, and thematically synthesized from Google Scholar, Scopus-indexed journals, and other reputable academic repositories. The review reveals that work-life balance consistently exerts a significant positive influence on employee retention, primarily through the mediating roles of job satisfaction, organizational commitment, and job embeddedness, while simultaneously reducing turnover intention. Flexible arrangements, supportive leadership, employer branding, and compensation emerge as key reinforcing mechanisms. Notable generational nuances are identified: Millennials value stability and career progression alongside balance, whereas Generation Z emphasizes autonomy, mental well-being, and purpose-driven work. This review contributes a novel integrative, generation-differentiated framework linking work-life balance to retention outcomes and offers practical implications for human resource strategies, including flexible scheduling, welfare benefits, and generation-sensitive retention programs. Limitations and future research directions are discussed.
Co-Authors Ramlawati Suriyanti Suriyanti