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All Journal Primanomics : Jurnal Ekonomi & Bisnis Jurnal Sains dan Ilmu Terapan Indonesian Journal of Multidisciplinary on Social and Technology Journal of Marketing Management and Innovative Business Review
Benyamin Mongan
Universitas Kristen Indonesia Paulus
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Social Sciences

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The Influence Of Lifestyle And Income On The Financial Behavior Of Generation Z In Makassar Kurniatri Rumambo; Benyamin Mongan; Andryanus Paridy
Primanomics : Jurnal Ekonomi & Bisnis Vol. 23 No. 2 (2025): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : LPPM Universitas Buddhi Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v23i2.3581

Abstract

The increasing modernization and digitalization era have shaped the financial behavior of Generation Z, who are often more consumptive and find it challenging to manage their expenditures. This study aims to analyze the influence of lifestyle and income on the financial behavior of Generation Z who are currently working in Makassar. Using a quantitative approach, data were collected through an online questionnaire distributed to 40 respondents aged 15–27 years. The analysis was conducted using Structural Equation Modeling (SEM) with SmartPLS software. The results indicate that lifestyle positively and significantly influences financial behavior, meaning that the more consumptive a person's lifestyle, the more it affects their financial decision-making. Additionally, income also has a positive and significant effect on financial behavior, implying that higher income allows for better financial management and decision-making. However, the coefficient of determination (R²) shows that lifestyle and income explain only 41.3% of the variance in financial behavior, suggesting that other external factors also play a role. These findings emphasize the importance of financial literacy education to help Generation Z develop healthier financial habits. Future research is recommended to explore other influencing factors, such as financial technology and psychological aspects, to gain a more comprehensive understanding of financial behavior among young professionals.
The Effects of Dividend and Debt Policies on Share Value in Basic Chemical Manufacturing Companies: A Case Study of PT Semen Indonesia: The Effects of Dividend and Debt Policies on Share Value of PT Semen Indonesia Michael Aloys; Andryanus Paridy; Benyamin Mongan
Journal of Marketing Management and Innovative Business Review Vol. 3 No. 2 (2025): Vol. 3 No. 2 (2025): Mariobre, December 2025 (e-ISSN: 3031-4208)
Publisher : Management Study Program, Universitas Kristen Indonesia Paulus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63416/mrb.v3i2.373

Abstract

Dengan fokus khusus pada PT Semen Indonesia, yang terdaftar di Bursa Efek Indonesia dan situs web resmi lainnya, studi ini berupaya menyelidiki dampak kebijakan utang dan dividen terhadap nilai saham bisnis di sektor manufaktur kimia dasar. PT Semen Indonesia Tbk., sebagaimana terdaftar di BEI, adalah populasi studi untuk jangka waktu 2015–2024. Pengambilan sampel secara purposif digunakan untuk memilih sampel. Informasi diambil dari laporan keuangan tahunan perusahaan, yang terdapat di situs web resmi Bursa Efek Indonesia. Price to Book Value digunakan untuk menilai nilai perusahaan, Dividend Payout Ratio digunakan untuk mengukur kebijakan dividen, dan Debt to Equity Ratio digunakan untuk mengukur kebijakan utang.
The Influence of Investment Knowledge and Risk Perception on Generation Z Investment Decisions with Technological Advancement as a Moderating Variable Felisia Angreyani; Manuel August Todingbua; Benyamin Mongan
Journal of Marketing Management and Innovative Business Review Vol. 3 No. 2 (2025): Vol. 3 No. 2 (2025): Mariobre, December 2025 (e-ISSN: 3031-4208)
Publisher : Management Study Program, Universitas Kristen Indonesia Paulus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63416/mrb.v3i2.385

Abstract

This study aims to examine and obtain empirical evidence regarding the influence of investment knowledge and risk perception on the investment decisions of Generation Z, with technological advancement as a moderating variable. This research uses a quantitative approach with data analysis through the Partial Least Squares (PLS) 4.0 method. The research data consists of primary data collected through online questionnaires using Google Forms distributed via WhatsApp, as well as secondary data obtained from previous research. The study population consists of students of the Faculty of Economics and Business, Paulus Makassar Indonesian Christian University, aged 18-23 years, who have invested in the capital market. A sample of 30 respondents was selected using non-probability sampling with a purposive sampling technique. The results show that Investment Knowledge and Risk Perception have a positive effect on Investment Decisions. Meanwhile, technological advancement as a moderating variable does not strengthen or weaken the influence of investment knowledge and risk perception on the investment decisions of Generation Z.
Pengaruh Penerimaan dan Gaya Hidup terhadap Perilaku Keuangan Mahasiswa UKI Paulus Stenly Dhio Salembe; Andryanus Paridy; Benyamin Mongan
Jurnal Sains dan Ilmu Terapan Vol. 8 No. 1 (2025): Jurnal Sains dan Ilmu Terapan
Publisher : Politeknik Kampar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59061/jsit.v8i1.930

Abstract

This study examines the impact of acceptance and lifestyle on the financial behavior of UKIP students. The research employs a quantitative approach with regression analysis. The findings indicate that acceptance does not significantly influence students' financial behavior. In other words, income level does not directly determine how students manage their finances. Other factors, such as financial literacy and money management habits, may have a more substantial role in shaping financial behavior. Therefore, financial education and proper financial planning are essential. On the other hand, lifestyle has a positive and significant effect on students' financial behavior. The better the lifestyle adopted, the more effectively students manage their expenses and fulfill financial obligations. To maintain financial well-being, students should cultivate a responsible financial lifestyle by minimizing unnecessary expenditures, creating realistic budgets, and enhancing awareness of the importance of savings and investments for the future.
Analisis Kelayakan Investasi Pembangunan Jalur Transportasi Rel Kereta Api Maros-Parepare Asriel Padatu; Benyamin Mongan; Claudio Julio Mongan
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 4 No. 3 (2026): Juli - Oktober
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v4i3.13200

Abstract

Pembangunan jalur kereta api Maros-Parepare merupakan bagian dari pengembangan jaringan Kereta Api Trans Sulawesi yang diharapkan memperkuat konektivitas, mobilitas masyarakat, dan aktivitas ekonomi di Sulawesi Selatan. Besarnya investasi publik pada proyek tersebut menuntut evaluasi yang dapat menunjukkan keseimbangan antara manfaat dan biaya. Penelitian ini bertujuan menganalisis kelayakan investasi pembangunan Jalur Kereta Api Maros-Parepare menggunakan pendekatan Benefit Cost Ratio (BCR) serta mendeskripsikan kondisi operasional yang berkaitan dengan pencapaian manfaat proyek. Penelitian menggunakan pendekatan kuantitatif deskriptif evaluatif dengan data sekunder dari PT Kereta Api Indonesia (Persero), Direktorat Jenderal Perkeretaapian, Badan Pusat Statistik, dokumen operasional proyek, dan literatur ilmiah. Data yang dianalisis mencakup biaya investasi, biaya operasional, jumlah penumpang, tarif, pendapatan operasional, dan manfaat ekonomi yang tersedia dalam dokumen penelitian. Hasil analisis menunjukkan total benefit sebesar Rp2.150.870.000.000 dan total cost sebesar Rp9.148.000.000.000 selama periode proyeksi 50 tahun, sehingga diperoleh BCR sebesar 0,235. Nilai tersebut berada di bawah batas kelayakan 1, sehingga proyek belum memenuhi kriteria kelayakan ekonomi berdasarkan rasio manfaat-biaya yang dihitung. Meskipun demikian, data operasional menunjukkan jumlah penumpang meningkat dari 150.000 pada 2023 menjadi 228.868 pada 2025. Temuan ini menunjukkan adanya pemanfaatan layanan, tetapi manfaat yang terukur dalam analisis belum sebanding dengan besarnya biaya proyek. Implikasi penelitian menekankan pentingnya peningkatan utilisasi, pengembangan angkutan barang, integrasi antarmoda, dan evaluasi dengan NPV, IRR, serta analisis sensitivitas.
Co-Authors Andryanus Paridy Asriel Padatu Claudio Julio Mongan Felisia Angreyani Kurniatri Rumambo Manuel August Todingbua Michael Aloys Stenly Dhio Salembe