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All Journal Primanomics : Jurnal Ekonomi & Bisnis Journal of Marketing Management and Innovative Business Review
Benyamin Mongan
Universitas Kristen Indonesia Paulus
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance 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.
Co-Authors Andryanus Paridy Felisia Angreyani Kurniatri Rumambo Manuel August Todingbua Michael Aloys