Management Studies and Business Journal (PRODUCTIVITY)
Management Studies and Business Journal (PRODUCTIVITY) reviewed covers theoretical and applied research in the field of Management and Business. Priority is given to those articles which satisfy the main scope of the journal, and have an impact in the research areas of interest. PRODUCTIVITY Journal always publish 12 times in a year, every Month. Research Scopes: Finance Management, Marketing Management, Human Resources Management, Operations Management, Strategic Management, E-Business, Knowledge Management, Management Accounting, Management Control System, Management Information System, Innovation management, Islamic Principal Management, Ethics and Sustainable, Entrepreneurship and business
MANAJEMEN KEUANGAN DALAM MENDUKUNG KEBERHASILAN PEMBIAYAAN PENDIDIKAN
Penelitian ini bertujuan untuk menganalisis peran manajemen keuangan dalam menentukan keberhasilan pembiayaan pendidikan di MTs Al-Majidiyah NW Cakra Baru. Fokus penelitian meliputi proses perencanaan pembiayaan pendidikan, penerapan transparansi dan akuntabilitas pengelolaan keuangan, strategi menjaga keberlanjutan pembiayaan pendidikan, serta tantangan yang dihadapi madrasah dalam pengelolaan pembiayaan pendidikan. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian studi kasus. Subjek penelitian terdiri atas kepala madrasah, wakil kepala madrasah, bendahara, dan guru. Teknik pengumpulan data dilakukan melalui wawancara, observasi, dan dokumentasi, sedangkan analisis data menggunakan model Miles dan Huberman melalui reduksi data, penyajian data, dan penarikan kesimpulan. Keabsahan data dilakukan dengan triangulasi sumber dan triangulasi teknik. Hasil penelitian menunjukkan bahwa pengelolaan pembiayaan pendidikan di madrasah dilakukan melalui perencanaan anggaran yang partisipatif dan berbasis prioritas kebutuhan pendidikan. Transparansi dan akuntabilitas diterapkan melalui pencatatan dan pelaporan keuangan secara berkala sehingga meningkatkan kepercayaan masyarakat terhadap lembaga. Madrasah juga menerapkan strategi diversifikasi sumber pendanaan melalui kerja sama dengan masyarakat, dukungan wali siswa, dan pengembangan program mandiri berbasis kewirausahaan dan filantropi Islam. Namun demikian, madrasah masih menghadapi tantangan berupa keterbatasan dana, keterlambatan pencairan bantuan pemerintah, meningkatnya kebutuhan operasional pendidikan, serta penyesuaian sistem administrasi keuangan berbasis digital. Penelitian ini menyimpulkan bahwa manajemen keuangan yang efektif, transparan, dan akuntabel menjadi faktor utama dalam mendukung keberhasilan pembiayaan pendidikan serta menjaga keberlanjutan dan mutu pendidikan di lembaga pendidikan Islam.
manajemen keuangan, pembiayaan pendidikan, pendidikan Islam, transparansi keuangan, madrasah
Copyright (c) 2026 Muhammad Sabri, Shaleh Shaleh, Rangga Pratama Saputra, Sarif Hidayatulloh, Andika Febriyanto (Author) https://creativecommons.org/licenses/by-nc/4.0
DIVERSITY, EQUITY, AND INCLUSION (DEI) IN HRM: ITS IMPACT ON INNOVATION AND TEAM PERFORMANCE
n(DEI) in human resource management becomes innovative work behavior (Innovative Work Behavior/IWB) through strengthening psychological resources. Using a systematic narrative review approach to literature from the Scopus and Web of Science databases (2016-2026), the analysis results show that cognitive diversity alone is not enough to trigger innovation without strong mechanisms for inclusion and organizational justice. The main findings reveal that DEI serves as a crucial antecedent to the formation ofPsychological Capital(PsyCap), which includes dimensionsHope, Efficacy, Resilience, And Optimism(HERO). Mature DEI integration creates a climate of psychological safety that mediates the relationship between diversity and IWB, enabling individuals to take creative risks without fear of social sanctions. This study concludes that transforming DEI from mere symbolic compliance to strategic capability requires alignment between organizational policies and inclusive leadership. The practical implication for organizations is the need to design an HRM ecosystem that supports systemic diversity integration to maintain competitive advantage in the VUCA era.
Diversity, Equity, and Inclusion (OF THE); Psychological Capital(PsyCap); Innovative Work Behavior; Strategic Human Resource Management; Psychological Safety.
Copyright (c) 2026 Ashabul Yamin (Author) https://creativecommons.org/licenses/by-nc/4.0
ALGORITHMIC MANAGEMENT IN HRM: AN ANALYSIS OF ITS IMPACT ON EMPLOYEE AUTONOMY, ORGANIZATIONAL JUSTICE, AND PRODUCTIVITY
The transformation of human resource management (HRM) has undergone a fundamental shift toward algorithmic management (AM) driven by artificial intelligence (AI) and big data analytics. This study aims to analyze the impact of AM implementation on employee autonomy, perceptions of organizational justice, and productivity, particularly within the context of digital transformation in developing countries such as Indonesia. Using a narrative review approach, this study systematically synthesizes literature published over the last decade from the Scopus, Web of Science, and PsycINFO databases concerning algorithmic control in both platform-based and conventional organizations. The findings reveal the emergence of a “productivity–well-being paradox,” in which increased operational efficiency is frequently accompanied by a decline in employee autonomy, reflected in the shift from discretionary decision-making toward algorithmic conformity. Furthermore, the opacity of black-box algorithms was found to reduce perceptions of procedural justice and weaken employee trust in organizational decision-making processes. The study concludes that effective implementation of AM requires the integration of principles from Self-Determination Theory and Organizational Justice Theory through transparent, accountable, and human-centered governance mechanisms. Such an approach is essential to mitigate negative psychosocial consequences, including technostress and burnout, while maintaining organizational productivity and employee well-being.
Algorithmic Management, Employee Autonomy, Organizational Justice, Productivity, AI-HRM, Indonesia
GREEN HUMAN RESOURCES MANAGEMENT AS A DETERMINANT OF ENVIRONMENTAL PERFORMANCE AND COMPANY PERFORMANCE
The escalation of global sustainability issues compels organizations to transform the human resource function into a driver of green strategy. This study aims to analyze the role of Green Human Resource Management (GHRM) as a determinant of environmental performance and firm performance. Using a systematic narrative review of internationally reputable literature (Scopus), this study synthesizes findings based on the Ability Motivation Opportunity (AMO) framework and the Resource-Based View (RBV). The results indicate that the bundle of GHRM practices encompassing green recruitment, training, and performance management significantly enhances employees’ pro environmental behavior and operational efficiency. These mechanisms are strengthened by green organizational culture and ethical leadership as moderating variables. Although the relationship between GHRM and financial performance is indirect and often mediated by green innovation, these practices are shown to build long-term competitive advantage through enhanced organizational reputation and legitimacy. In conclusion, integrating environmental values into HR systems is critical for developing a sustainable business ecosystem. Practical implications for managers include the need to design reward systems aligned with environmental performance.
Green Human Resource Management, Environmental Performance, Firm Performance, Pro-Environmental Behavior, Organizational Sustainability.
DINAMIKA HYBRID WORK DAN IMPLIKASINYA TERHADAP EMPLOYEE ENGAGEMENT DAN ORGANIZATIONAL COMMITMENT
Transformasi lanskap ketenagakerjaan global pasca-pandemi telah memicu pergeseran masif menuju model kerja hibrida (hybrid work), namun adopsi ini sering kali tidak dibarengi dengan kesiapan kebijakan organisasi yang memadai. Penelitian ini bertujuan untuk menganalisis dinamika hybrid work dan implikasinya terhadap employee engagement serta organizational commitment dengan mengintegrasikan kerangka Job Demands-Resources (JD-R), social exchange theory, dan person-environment fit. Menggunakan metode tinjauan literatur sistematis dan analisis naratif terhadap artikel bereputasi internasional, studi ini menemukan bahwa hybrid work berfungsi sebagai pedang bermata dua (double-edged sword). Di satu sisi, otonomi spasial dan fleksibilitas bertindak sebagai sumber daya motivasional yang meningkatkan vigor dan absorption. Di sisi lain, tuntutan seperti technostress, isolasi sosial, dan kaburnya batas kerja berisiko menurunkan dedication serta affective commitment. Hasil sintesis menegaskan bahwa keberhasilan model hibrida sangat bergantung pada kualitas boundary management, dukungan organisasi, dan pergeseran menuju manajemen berbasis hasil. Penelitian ini merekomendasikan pendekatan manajerial yang adaptif untuk memastikan keterikatan karyawan tetap terjaga di tengah disrupsi digital.
Hybrid Work, Employee Engagement, Organizational Commitment, Teori JD-R, Fleksibilitas Kerja.
THE ROLE OF PERCEIVED ORGANIZATIONAL SUPPORT AND PROFESSIONAL IDENTITY IN PREDICTING HAPPINESS AT WORK AMONG EMPLOYEES OF MULTINATIONAL COMMUNICATION CONSULTING FIRMS IN JAKARTA
This study examines the influence of Perceived Organizational Support (POS) and Professional Identity on Happiness at Work among employees of multinational communication consulting firms in Jakarta. Happiness at Work is conceptualized as a multidimensional construct encompassing hedonic well-being, engagement, and positive affect experienced within the occupational context. Drawing on Social Exchange Theory (Blau, 1964) and Social Identity Theory (Tajfel & Turner, 1979), this study proposes that employees who perceive strong organizational support and possess a robust professional identity will report higher levels of happiness at work. A quantitative correlational design was employed with a sample of 100 employees selected through purposive sampling. Data were collected using validated Likert-scale instruments and analyzed via Pearson correlation and multiple regression in SPSS. Results indicated that both POS (r = .612, p < .01) and Professional Identity (r = .673, p < .01) were significantly and positively correlated with Happiness at Work. The regression model explained 56.4% of the variance in Happiness at Work (R² = .564). These findings underscore the critical role of organizational and identity-based resources in fostering employee well-being in the high-demand environment of the communications consulting industry.
perceived organizational support, professional identity, happiness at work, communication consulting, Jakarta, employee well-being
Copyright (c) 2026 Asrini Mahdia (Author) https://creativecommons.org/licenses/by-nc/4.0
A SYSTEMATIC LITERATURE REVIEW (SLR): PENGARUH PELATIHAN KEPATUHAN SYARIAH TERHADAP PERILAKU ETOS KERJA KARYAWAN DI INDUSTRI HALAL
Industri halal menuntut tidak hanya kepatuhan formal terhadap prinsip syariah, tetapi juga konsistensi perilaku etos kerja karyawan dalam menjalankan aktivitas operasional organisasi. Dalam praktiknya, berbagai lembaga halal masih menghadapi kesenjangan antara label syariah, tata kelola kepatuhan, dan implementasi nilai etis di tingkat sumber daya manusia. Penelitian ini bertujuan untuk menganalisis pengaruh pelatihan kepatuhan syariah terhadap perilaku etos kerja karyawan di industri halal serta memetakan pola temuan yang berkembang dalam literatur ilmiah. Penelitian menggunakan pendekatan Systematic Literature Review (SLR) dengan sumber data berupa literatur ilmiah open-access yang relevan dengan tema kepatuhan syariah, pelatihan sumber daya manusia, etika kerja Islam, dan industri halal. Data dikumpulkan melalui kajian pustaka sistematis, diseleksi berdasarkan kriteria inklusi dan eksklusi, kemudian dianalisis menggunakan sintesis naratif tematik. Hasil penelitian menunjukkan bahwa pelatihan kepatuhan syariah berperan sebagai mekanisme internalisasi nilai-nilai Islam ke dalam perilaku kerja melalui peningkatan pemahaman, kompetensi, disiplin, amanah, dan tanggung jawab profesional. Temuan juga memperlihatkan bahwa kualitas perilaku etos kerja lebih kuat pada organisasi yang mengintegrasikan pelatihan, pengawasan, dan tata kelola syariah secara berkelanjutan. Penelitian ini berkontribusi dalam memperkuat hubungan konseptual antara kepatuhan syariah, pengembangan sumber daya manusia, dan perilaku etos kerja, sekaligus menegaskan pentingnya pelatihan kepatuhan syariah sebagai strategi penguatan kualitas implementasi nilai syariah dalam industri halal.
pelatihan kepatuhan syariah, perilaku etos kerja, industri halal, etika kerja Islam, systematic literature review.
SUSTAINABILITY OF WOMEN'S MSMES: FINANCIAL LITERACY, FINANCIAL INCLUSION, AND FINTECH
This study aims to examine the influence of financial literacy and financial technology (Fintech) on financial inclusion and its implications for the sustainability of MSMEs managed by women. The research population included women MSME entrepreneurs in South Sulawesi Province, with a sample of 100 respondents selected using purposive sampling based on two criteria, namely (1) women MSME entrepreneurs and (2) type of business. Data analysis was conducted using the Structural Equation Modeling Partial Least Squares (SEM-PLS) approach. The results of the study indicate that financial literacy and financial inclusion have a positive effect on the sustainability of women's MSMEs. Conversely, fintech does not have a significant effect on business sustainability. In addition, financial literacy has been proven to affect financial inclusion. The novelty of this study is that it integrates the variables of financial literacy and fintech in the context of the sustainability of women's MSMEs with various business type variables and uses the SEM-PLS method, which is considered the most appropriate for analyzing the causal relationship between variables. The implications of the research results emphasize the importance of improving financial literacy through comprehensive education and training programs and an inclusive approach to broaden understanding of fintech use, strengthening managerial capacity and financial management skills. Adequate knowledge-based capacity is a key factor in supporting resilience and the sustainability of women's MSMEs in the future.
Financial Literacy, Inclusion, Fintech, Sustainability; Women
Copyright (c) 2026 Bunyamin Bunyamin, Andi Hadidu, Nurhani Nurhani, Nurfaedah Nurfaedah (Author) https://creativecommons.org/licenses/by-nc/4.0
RECONCEPTUALIZING STRATEGIC MARKETING IN THE ERA OF GENERATIVE AI: A DOCTORAL BUSINESS ADMINISTRATION PERSPECTIVE ON VALUE CO-CREATION
The rapid emergence and adoption of Generative Artificial Intelligence (GenAI) have catalyzed a fundamental paradigm shift in strategic marketing, accelerating the transition beyond mere operational automation toward a sophisticated collaborative intelligence model. This paper explores the profound reconceptualization of modern marketing strategies through the theoretical lens of Service-Dominant Logic (S-DL) and value co-creation. Adopting a Doctor of Business Administration (DBA) perspective, this study investigates how GenAI acts not merely as an efficiency-enhancing tool, but as an active, cognitive participant in the value creation process, bridging the gap between firm-led innovation and customer-driven value. By synthesizing current literature and practical frameworks, this research proposes a new strategic model wherein GenAI facilitates hyper-personalization at scale delivering tailored customer journeys and AI-generated content that adapts to user behavior in real-time. This model redefines the boundaries of marketing, offering a roadmap for balancing technological efficiency with human-centric strategic intent, thereby fostering deeper engagement and sustainable competitive advantage in the digital marketplace.
Strategic Marketing, Generative AI, Value Co-Creation, Service-Dominant Logic, Digital Transformation, Business Administration
Copyright (c) 2026 Fernando Eko Mardiansyah (Author) https://creativecommons.org/licenses/by-nc/4.0
PENGARUH PEMAHAMAN ETIKA BISNIS SYARIAH TERHADAP KUALITAS PELAYANAN PELAKU USAHA JASA EKSPEDISI DI NABIRE
Penelitian ini bertujuan untuk menganalisis secara mendalam bagaimana pemahaman etika bisnis syariah mempengaruhi kualitas pelayanan pelaku usaha jasa ekspedisi di Kabupaten Nabire. Kondisi geografis dan tantangan logistik di Nabire menuntut tingkat integritas yang tinggi dari para penyedia layanan. Pemahaman etika bisnis syariah tidak hanya berfungsi sebagai landasan moral, tetapi juga sebagai solusi atas permasalahan ketidakpastian waktu pengiriman dan keamanan barang. Dengan mengedepankan transparansi dalam tarif dan kondisi barang, pelaku usaha dapat meminimalisir praktik gharar (ketidakjelasan) yang sering memicu keluhan pelanggan di wilayah tersebut. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan studi kasus deskriptif. Pengumpulan data dilakukan melalui wawancara mendalam, observasi partisipasi pasif, dan dokumentasi yang melibatkan pemilik ekspedisi, karyawan operasional, serta pelanggan. Hasil penelitian menunjukkan bahwa internalisasi prinsip syariah—seperti siddiq (kejujuran), amanah (tanggung jawab), fathonah (profesionalisme), dan tabligh (transparansi)—membentuk pola pelayanan yang nyata. Pelaku usaha yang memahami nilai-nilai ini terbukti lebih responsif dalam menangani keluhan, lebih amanah dalam menjaga barang, dan lebih transparan dalam berkomunikasi. Secara praktis, penelitian ini memberikan implikasi bahwa peningkatan kualitas pelayanan di sektor logistik Nabire tidak hanya bergantung pada infrastruktur fisik, tetapi juga pada pengembangan sumber daya manusia yang berintegritas. Penerapan prinsip etika syariah secara konsisten terbukti mampu menciptakan loyalitas pelanggan yang lebih kuat dibandingkan sekadar persaingan harga.
Etika Bisnis Syariah, Kualitas Pelayanan, Jasa Ekspedisi, Studi Kasus, Nabire.
Copyright (c) 2026 Rawi Allan Iriandi, Ramelan Tahanina (Author) https://creativecommons.org/licenses/by-nc/4.0
PENGARUH TINGKAT PENDIDIKAN DAN DISIPLIN KERJA TERHADAP KINERJA GURU DAN TENAGA KEPENDIDIKAN DI SMK NEGERI 4 BANJARMASIN
Kinerja guru dan tenaga kependidikan merupakan aspek krusial dalam mewujudkan tujuan pendidikan yang berkualitas. Pada satuan pendidikan vokasi seperti SMK Negeri 4 Banjarmasin, pencapaian keberhasilan pembelajaran berbasis praktik sangat bergantung pada profesionalisme dan dedikasi sumber daya manusianya. Faktor internal seperti tingkat pendidikan dan disiplin kerja diyakini berperan dalam meningkatkan efektivitas kerja. Tingkat pendidikan mencerminkan kompetensi kognitif dan pedagogis, sementara disiplin kerja menunjukkan sikap tanggung jawab dan konsistensi dalam pelaksanaan tugas. Penelitian ini bertujuan untuk menganalisis pengaruh tingkat pendidikan dan disiplin kerja terhadap kinerja guru dan tenaga kependidikan di SMK Negeri 4 Banjarmasin, baik secara parsial maupun simultan.Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Populasi dalam penelitian ini adalah seluruh guru dan tenaga kependidikan yang berjumlah 129 orang, dengan teknik pengambilan sampel menggunakan sampling probabilitas. Teknik pengumpulan data dilakukan melalui penyebaran kuesioner. Analisis data dilakukan dengan uji validitas dan reliabilitas, uji asumsi klasik, serta uji regresi linier berganda. Pengujian hipotesis dilakukan melalui uji t dan uji F untuk melihat pengaruh signifikan secara parsial dan simultan.Hasil penelitian menunjukkan bahwa secara simultan, tingkat pendidikan dan disiplin kerja berpengaruh signifikan terhadap kinerja. Namun secara parsial, hanya disiplin kerja yang menunjukkan pengaruh signifikan, sementara tingkat pendidikan tidak. Hal ini menunjukkan bahwa dalam konteks institusi pendidikan, disiplin kerja menjadi faktor dominan dalam meningkatkan kinerja pegawai.
Tingkat Pendidikan, Disiplin Kerja, Kinerja, Guru, Tenaga Kependidikan
Copyright (c) 2026 Fatimah Zahro, Nurhikmah Nurhikmah, Muhammad Nurdin (Author) https://creativecommons.org/licenses/by-nc/4.0
INFLUENCE INVESTMENT DECISIONS AND DIVIDEND POLICY ON COMPANY VALUE MEDIATED BY FINANCIAL PERFORMANCE
This study aims to analyze the influence of investment decisions and dividend policies on firm value, with financial performance as a mediating variable, in property companies listed on the Indonesia Stock Exchange for the 2021–2024 period. This study uses secondary data in the form of annual financial reports. The study population consisted of 62 companies, using a purposive sampling technique, resulting in 248 observational samples. Path analysis and the Sobel test were used to examine the mediating role of the data. The research results show that investment decisions and dividend policy have a positive and significant effect on firm value. Investment decisions and dividend policy also have a positive and significant effect on financial performance. Furthermore, financial performance has a positive and significant effect on firm value. The mediation test results indicate that financial performance mediates the influence of investment decisions and dividend policy on firm value. The findings of this study indicate that improving the quality of investment decisions and dividend policies, supported by strong financial performance, can increase company value. This research is expected to contribute to company management, investors, and future researchers in understanding the factors influencing company value.
Corporate Value, Investment Decisions, Dividend Policy, Financial Performance
Copyright (c) 2026 Ni Nyoman Nuryanti Bella (Author) https://creativecommons.org/licenses/by-nc/4.0
BEYOND GROWTH: HINDU RELIGIOUS PERSPECTIVES IN ECONOMY ETHICS AND ECONOMICS SUSTAINABLE
Paradigm development economy that places growth product domestic gross (GDP) as indicator main success the more questionable because his inability to answer problem inequality social, degradation environment and quality welfare human beings. In line with development paradigm beyond growth, research This aim research for analyze relevance Hindu religious perspective in form ethical and sustainable economy​ as well as test connection the in a way empirical this research​ use approach quantitative with design explanatory and utilizing secondary data across regions that reflect Hindu religious values, behavior economy ethical, and indicators economy sustainable. Data analysis was carried out using path analysis for test influence direct and indirect direct between variables. Research results show that Hindu religious values are influential positive and significant to behavior economy ethical, and influential direct to economy sustainable. Besides that, behavior economy ethical proven mediate in a way significant connection between Hindu religious and economic values sustainable. This finding indicates that internalization Hindu values such as dharma, karma phala, and Tri Hita Karana play a role as informal institutions that form behavioral economics and improve quality development. This research contribution is theoretical for economic development, base values and paradigms beyond growth, and implications practical for formulation policy development, ethical and sustainable economy, in particular in context of public based Hindu culture. Keywords: beyond growth, Hinduism, economy ethica
beyond growth, Hinduism, economy ethical, economic sustainable, economy behavior​
Copyright (c) 2026 Ida Bagus Ngurah (Author) https://creativecommons.org/licenses/by-nc/4.0
HUMAN RESOURCE MANAGEMENT AND LABOR LAW PROTECTION IN INTERNSHIP PROGRAMS ADDRESSING EXPLOITATION LEARNING QUALITY AND CORPORATE COMPLIANCE
Internships are vital for youth transitions into work but often lack legal protection and coherent Human Resource Management (HRM) design. This study examines Indonesia’s apprenticeship law and HRM frameworks to assess alignment and propose reforms. The objectives are to map statutory rules, identify enforcement gaps, and recommend HRM-informed policies. The method is normative juridical using library research of primary legal sources, ministerial regulations, and doctrinal literature. Analysis follows a deductive doctrinal method, extracting legal norms and synthesizing them with HRM concepts on program design, supervision, compensation, assessment, and governance. Implementation focused on close reading of Law Number 13 of 2003 on Employment and Minister of Manpower Regulation Number 6 of 2020. Findings indicate that the legal framework mandates written apprenticeship agreements, supervisory provisions, allowances, safety coverage, and certification, yet enforcement is inconsistent. Gaps include variable allowance practices, weak monitoring, and limited sanctions that permit exploitative placements. Conceptual HRM analysis suggests that clear competency outcomes, trained mentors, transparent compensation, and governance reduce exploitation and improve employability. The study concludes that strengthening legal standards must be paired with regulator-backed HRM guidance and employer incentives. Recommendations prioritize enforcement enhancement, minimum allowance benchmarks, mentor capacity building, and co-designed assessment rubrics with education partners.
Internship, Human Resource Management, Employer, Exploitative, Compensation
Copyright (c) 2026 Firdausi Nuzula Rahmadani, Tegar Raffi Putra Jumantoro (Author) https://creativecommons.org/licenses/by-nc/4.0
STRATEGIC DEVELOPMENT OF PRICING, BRAND EQUITY, AND PRODUCT QUALITY IN DRIVING CONSUMER PURCHASE DECISIONS: EMPIRICS FROM VIRGIN COCONUT OIL MSMES IN NORTH MINAHASA, INDONESIA
Virgin Coconut Oil (VCO) is increasingly valued for its nutritional and therapeutic properties, offering a strategic opportunity for micro, small, and medium enterprises (MSMEs) in North Sulawesi, Indonesia. Yet, limited standardization, weak branding, and inconsistent pricing hinder competitiveness. This study analyzes how pricing strategy, brand equity, and product quality individually and jointly influence consumer purchase decisions for VCO products in North Minahasa Regency. Using a quantitative, associative-causal design, data were collected from 100 consumers selected through purposive sampling. Multiple linear regression reveals that product quality exerts a positive and significant influence on purchase decisions (p < 0.05), whereas pricing strategy and brand equity show no significant individual effects. Nevertheless, all three variables together significantly affect purchase behavior (F = 6.166, p = 0.001), explaining 16.2 percent of total variance. The findings underscore that consumers prioritize functional attributes; purity, clarity, and durability over price or brand cues. Policy-wise, the study recommends value-based pricing, consistent quality control, and long-term brand building to strengthen MSME competitiveness in Indonesia’s coconut industry.
Virgin Coconut Oil, pricing strategy, brand equity, product quality
Copyright (c) 2026 Silvya Lefina Mandey, Victor Paskah Kalawat Lengkong, Jenny Emma Agustin Kandou (Author) https://creativecommons.org/licenses/by-nc/4.0
A FRAMEWORK FOR INTEGRATING ESG CRITERIA INTO STRATEGIC HUMAN RESOURCE PLANNING
The global shift from shareholder primacy to stakeholder capitalism has put criteriaEnvironmental, Social, and Governance(ESG) as the gold standard for corporate success. However, there is a significant gap between high-level ESG commitments and tactical implementation in Human Resource Management (HRM). This study develops a conceptual framework for integrating ESG criteria into strategic HR planning through a systematic narrative review of the literature from 2016–2026. The study reveals that the "Environmental" pillar is operationalized through green recruitment and sustainability competencies, while the "Social" pillar emphasizesDiversity, Equity, and Inclusion(DEI) and employee well-being. Crucially, the often-overlooked "Governance" pillar in HRM discourse is integrated through ethical leadership, remuneration transparency, and meritocracy-based succession planning. This integration transforms the role ofHR Business Partner into a Sustainability Partner, redefined through the lensResource-Based View(RBV) and Institutional Theory. This framework provides a strategic roadmap for organizations to increase long-term resilience and legitimacy in a competitive talent market.
ESG Integration, Strategic HR Planning, Sustainability, Governance, Workforce Planning
Copyright (c) 2026 M Saiful Rizal, Handoko Teguh (Author) https://creativecommons.org/licenses/by-nc/4.0
PENGARUH CHATBOT EXPERIENCE DAN CUSTOMER TRUST TERHADAP CUSTOMER SATISFACTION PADA PLATFORM SHOPEE DI INDONESIA
Penggunaan chatbot pada platform e-commerce memiliki peran strategis dalam meningkatkan kualitas layanan digital. Penelitian ini bertujuan untuk menganalisis pengaruh chatbot experience dan customer trust terhadap customer satisfaction pada fitur chat dengan penjual di platform Shopee Indonesia. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap pengguna chatbot Shopee. Analisis data dilakukan menggunakan pendekatan Structural Equation Modelling dengan bantuan perangkat lunak AMOS. Hasil penelitian menunjukkan bahwa chatbot experience berpengaruh positif terhadap customer satisfaction. Selain itu, customer trust juga terbukti memberikan pengaruh positif terhadap customer satisfaction. Temuan ini menegaskan bahwa kualitas pengalaman interaksi serta tingkat kepercayaan pelanggan terhadap chatbot menjadi faktor kunci dalam meningkatkan kepuasan pelanggan. Penelitian ini memberikan kontribusi teoritis dalam pengembangan kajian layanan digital berbasis kecerdasan buatan serta implikasi praktis bagi penjual dalam mengoptimalkan pemanfaatan chatbot pada platform e-commerce.
chatbot experience, customer trust, customer satisfaction, e-commerce
Copyright (c) 2026 Mentari Septynaputri Widodo, Sadana Devica (Author) https://creativecommons.org/licenses/by-nc/4.0
PERAN FINTECH DALAM PENINGKATAN INKLUSI KEUANGAN EKOSISTEM E-COMMERCE
Transformasi digital telah mengubah e-commerce menjadi ekosistem kompleks yang berpotensi menjembatani kesenjangan inklusi keuangan di pasar berkembang. Artikel ini bertujuan mensintesis peran strategis integrasi fintech dalam memodifikasi perilaku transaksi dan mempercepat partisipasi ekonomi masyarakat unbanked. Menggunakan pendekatan narrative review kritis, penelitian ini menganalisis literatur bereputasi (2015-2025) untuk memetakan evolusi sistem pembayaran dan mekanisme pemberian kredit digital. Hasil kajian merumuskan Fintech-Inclusion Integration Model (IFI Model), yang menunjukkan bahwa integrasi fintech (seperti payment gateway dan BNPL) meningkatkan aksesibilitas dan kepercayaan digital. Namun, keberhasilan inklusi keuangan sangat dimediasi oleh perilaku pengguna; tanpa literasi keuangan yang memadai, kemudahan akses kredit berisiko memicu utang yang tidak sehat. Fintech berhasil mengatasi hambatan geografis melalui model branchless banking, namun memerlukan dukungan regulasi yang kuat untuk mitigasi bias algoritmik. Integrasi fintech bukan sekadar alat transaksi, melainkan instrumen pemberdayaan ekonomi yang memerlukan keseimbangan antara inovasi dan perlindungan konsumen untuk mencapai inklusi keuangan yang berkualitas dan berkelanjutan.
Fintech, E-commerce, Inklusi Keuangan, BNPL, Perilaku Pengguna, IFI Model.
Copyright (c) 2025 Defriansyah Defriansyah, Erlangga Awaludin Saputra, Dian Rhadiana Pramesti, Faisal Asmen (Author) https://creativecommons.org/licenses/by-nc/4.0
A BIBLIOMETRIC ANALYSIS OF ARTIFICIAL INTELLIGENCE ADOPTION IN TOURISM AND HOSPITALITY RESEARCH
Studi bibliometrik ini menyelidiki tren penelitian dan struktur intelektual yang berkaitan dengan adopsi kecerdasan buatan (AI) dalam sektor pariwisata dan perhotelan. Dengan menggunakan analisis co-occurrence kata kunci melalui VOSviewer, penelitian ini secara sistematis mengkaji artikel jurnal bereputasi yang ditinjau sejawat dan terindeks dalam basis data akademik terkemuka. Temuan penelitian mengungkapkan klaster tematik yang berbeda, termasuk penerimaan pengguna, otomasi layanan, keberlanjutan, serta teknologi baru seperti AI generatif. Analisis ini menyoroti dominannya penggunaan teori perilaku seperti Technology Acceptance Model (TAM) dan Unified Theory of Acceptance and Use of Technology (UTAUT) dalam penelitian yang ada, sekaligus mengidentifikasi adanya kesenjangan dalam integrasi teoretis terhadap aplikasi AI yang bersifat novel. Keterbatasan yang berkaitan dengan pemilihan basis data dan metode analisis diakui. Rekomendasi untuk penelitian selanjutnya menekankan diversifikasi metodologis, kolaborasi interdisipliner, serta sintesis teoritis guna mendorong integrasi AI yang bertanggung jawab dan efektif dalam industri pariwisata dan perhotelan.
Artificial Intelligence, Bibliometric, Pariwisata, Perhotelan
Copyright (c) 2025 Yeni Yuniawati (Author) https://creativecommons.org/licenses/by-nc/4.0
MOTIVATION AND TECHNOLOGY EXPOSURE AS DETERMINANTS OF HIGH SCHOOL STUDENTS’ INTEREST IN AGRICULTURE: EVIDENCE FROM INDONESIA
The declining interest of young generations in agriculture has become a serious challenge to the sustainability of the agricultural sector, particularly in developing countries. This study aims to analyze the influence of motivation and technology exposure on high school students’ interest in agriculture. A quantitative research approach was employed using primary data collected through a structured questionnaire administered to 101 senior high school students in Bekasi Regency, Indonesia. The data were analyzed using multiple linear regression, supported by validity, reliability, and classical assumption tests. The results indicate that motivation has a positive and significant effect on students’ interest in agriculture, while technology exposure also shows a significant influence, although to a lesser extent. Simultaneously, motivation and technology exposure significantly affect students’ agricultural interest. These findings suggest that psychological factors and technological familiarity play an important role in shaping youth perceptions and interest toward agricultural careers. This study contributes empirical evidence on youth engagement in agriculture from an emerging agricultural region and highlights the importance of integrating motivational strategies and technology-based learning into agricultural education. The findings provide practical implications for educators, policymakers, and educational institutions in designing programs aimed at attracting younger generations to the agricultural sector.
youth interest, agriculture, motivation, technology exposure, agricultural education
Copyright (c) 2025 Rachmi Satwhikawara, Khairun Nisa Il Fiqriyah (Author) https://creativecommons.org/licenses/by-nc/4.0
AKURASI PERHITUNGAN BIAYA PRODUKSI MELALUI PENDEKATAN FULL COSTING
Tujuan penelitian ini adalah untuk mengevaluasi biaya produksi (UMKM) Kerupuk Ubi Ibu Midun di Kabupaten Tanah Datar. Metode full costing digunakan sebagai dasar untuk menentukan harga pokok produksi (HPP) dan membuat laporan laba rugi sederhana. Salah satu masalah utama bagi UMKM ini adalah tidak pencatatan biaya bahan baku, tenaga kerja, overhead pabrik, dan laba rugi. Ini membuat sulit bagi pemilik untuk mengetahui biaya produksi dan keuntungan yang sebenarnya. Penelitian ini dilakukan dengan pendekatan kuantitatif deskriptif dan menggunakan studi kasus, yang melibatkan observasi, dokumentasi, dan wawancara. Hasil penelitian menunjukkan bahwa total biaya produksi per proses mencapai Rp1.001.666, termasuk bahan baku sebesar Rp555.000, tenaga kerja sebesar Rp 320.000, dan overhead pabrik sebesar Rp 126.666, termasuk penyusutan aset. Untuk output 6.000 item, HPP sebesar Rp 166,94 per unit. Dari total penjualan 2.100.000, laba operasional sebesar Rp1.068.334 per produksi. Dengan pencatatan biaya yang lebih baik dan pengelolaan keuangan yang sistematis, temuan ini menunjukkan bahwa UMKM Kerupuk Ubi Ibu Midun berada pada kondisi bisnis yang menguntungkan dan layak untuk dikembangkan.
Analisis Biaya Produksi; Metode Full Costing; Laporan Laba
Copyright (c) 2025 Mega Rahmi, Ramadanis Ramadanis, Melisa Widia, Miftahul Qhoiri, Indra Rinaldi, Maria Agustia Laila (Author) https://creativecommons.org/licenses/by-nc/4.0
ANALISIS BIAYA PRODUKSI MENGGUNAKAN METODE VARIABEL COSTING
Usaha Mikro, Kecil, Menengah (UMKM), merupakan salah satu sektor penting dalam pembangunan ekonomi daerah, menurut UU NO. 20 tahun 2008 yang dikutip dalam buku Sartono dkk (2024), UMKM merupakan usaha produktif milik perorangan atau badan usaha perorangan yang memenuhi kriteria mikro, kecil, menengah yang berdasarkan aset dan omset bulanan atau tahunan. Di wilayah kabupaten tanah datar, khususnya di Simabur banyak UMKM yang berkembang pesat dan sebagai penunjang perekonomian masyarakat. Salah satunya adalah usaha Kue Basah Safnita, yang bergerak di bidang produksi kue basah tradisional khas minang kabau, usaha ini berdiri pada tahun 2023 yang beralamat di jalan lapangan bola kaki simabur, lebih tepatnya di belakang SD Muhammadiyah. Usaha kue basah Safnita memproduksi berbagai jenis kue tradisional seperti kue lapis, sarikaya, umbang ubi, talam ubi, putu ayu, bolu pisang, talam ubi unggu, dan kue mangkuak. Dan kami mengambil 3 jenis kue yang best seller yaitu kue talam ubi kayu, mangkuak dan kue lapis. Dalam satu bulan usaha ini mampu memproduksi sebanyak 560 loyang. Berdasarkan hasil observasi lapangan selama ini perhitungan biaya produksi masih dilakukan secara sederhana, yaitu dengan cara menjumlahkan semua pengeluaran tanpa memisah biaya bersifat tetap dan variable. Dengan cara tersebut pemilik sulit mengetahui berapa biaya setiap jenis kue dan berapa keuntungan yang diperoleh dari masing-masing kue. Salah satu cara yang bisa membantu menghitung biaya produksi lebih akurat adalah menggunakan metode variable costing. Dalam metode ini hanya biaya variabel yang dihitung sebagai biaya produksi. Oleh karena itu kami tertarik melakukan penelitian dengan Judul Analisis Biaya Produksi Menggunakan Metode Variabel Costing Pada Usaha Kue Basah Safnita Di Simabur.
Biaya produksi, HPP, Laporan Laba Rugi, Biaya Bahan Baku, BTKL, BOP
Copyright (c) 2025 Mega Rahmi, Ramadanis Ramadanis, Aulia Rahmawati, Mutia Aulia, Putri Amelia, Natasha Aulya Sally (Author) https://creativecommons.org/licenses/by-nc/4.0
ANALISIS DIFERENSIAL SEBAGAI ALAT BANTU PENGAMBILAN KEPUTUSAN MANAJERIAL DALAM MENAMBAH ATAU MENGURANGI PRODUK
Penelitian ini bertujuan menganalisis peran analisis diferensial sebagai alat bantu pengambilan keputusan manajerial dalam menentukan apakah suatu lini produk perlu ditambah atau dikurangi pada UMKM Viroom Craft. Keterbatasan pencatatan keuangan dan pemahaman akuntansi manajemen sering menyebabkan keputusan produk yang kurang optimal. Penelitian menggunakan pendekatan deskriptif kuantitatif dengan data primer yang diperoleh melalui wawancara dan dokumentasi biaya. Analisis difokuskan pada tiga produk utama, yaitu slingbag ecoprint, sepatu ecoprint, dan topi ecoprint, dengan membandingkan pendapatan relevan, biaya variabel, margin kontribusi, serta biaya tetap yang dapat dan tidak dapat dihindari. Hasil penelitian menunjukkan bahwa meskipun produk topi mengalami kerugian secara akuntansi, penghentian produksinya justru menurunkan laba total karena margin kontribusi yang hilang lebih besar dibandingkan biaya tetap yang dapat dihindari. Dengan demikian, keputusan optimal adalah mempertahankan produk topi.
analisis diferensial; margin kontribusi; keputusan lini produk
Copyright (c) 2025 Mega Rahmi, Ramadanis Ramadanis, Aditya Fahreza, Berliana Anindita, Gustian Herdi Hariyanto, Mutiara Bening (Author) https://creativecommons.org/licenses/by-nc/4.0
PENGALAMAN MAHASISWA DALAM MENGELOLA KETAHANAN KEUANGAN PADA MAHASISWA PERANTAU
Mahasiswa perantau dihadapkan pada tuntutan kemandirian finansial yang lebih besar dibandingkan mahasiswa yang tinggal bersama orang tua. Kondisi tersebut menuntut kemampuan pengelolaan keuangan yang baik agar mahasiswa mampu mempertahankan ketahanan keuangan selama masa studi. Penelitian ini bertujuan untuk memahami pengalaman mahasiswa perantau dalam mengelola ketahanan keuangan, mengidentifikasi strategi yang digunakan dalam menghadapi tekanan keuangan, serta menganalisis faktor-faktor yang mempengaruhi ketahanan keuangan mahasiswa perantau. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Subjek penelitian adalah mahasiswa perantau Universitas PGRI Semarang yang berasal dari luar Kota Semarang. Pengumpulan data dilakukan melalui wawancara mendalam, observasi, dan dokumentasi, sedangkan analisis data menggunakan analisis tematik dengan teknik triangulasi untuk menjaga keabsahan data. Hasil penelitian menunjukkan bahwa mahasiswa perantau telah berupaya mengelola keuangan secara mandiri melalui pengaturan uang saku, pengendalian pengeluaran, serta pemanfaatan tabungan darurat dan pekerjaan paruh waktu sebagai strategi koping keuangan. Namun, pengelolaan keuangan tersebut belum optimal akibat kurangnya konsistensi dalam perencanaan dan pencatatan keuangan, serta adanya pengaruh lingkungan dan gaya hidup. Faktor-faktor yang mempengaruhi ketahanan keuangan mahasiswa perantau meliputi kontrol diri, literasi keuangan, dukungan keluarga, dan peran institusi pendidikan. Penelitian ini menegaskan bahwa ketahanan keuangan mahasiswa perantau tidak hanya ditentukan oleh jumlah pendapatan, tetapi juga oleh sikap, kebiasaan, dan strategi pengelolaan keuangan yang diterapkan secara berkelanjutan.
ketahanan keuangan, mahasiswa perantau, pengelolaan keuangan pribadi, literasi keuangan, perilaku keuangan
Copyright (c) 2025 Mellynda Frida Febriana, Renitha Nafra Dwihabsari, Rauly Sijabat (Author) https://creativecommons.org/licenses/by-nc/4.0
SYSTEMATIC REVIEW OF CONSUMER RESISTANCE TO AI DRIVEN PERSONALIZATION
The integration of artificial intelligence (AI) into marketing personalization strategies has created a paradox between service efficiency and consumer resistance. This study aims to synthesize the dominant psychological factors that trigger consumer resistance to AI-based personalization through a conceptual approach.narrative reviewBy analyzing literature from Scopus, Web of Science, and PsycINFO databases (2015–2025), this study identified three main clusters of resistance: cognitive antecedents (intrusiveness and privacy), affective antecedents (algorithmic anxiety and fear of manipulation), and threats to individual autonomy and agency. The synthesis of results shows that perceived vulnerability (79%) far outweighs perceived convenience benefits (62%), which is exacerbated by the “black box” nature of AI. The study concludes that mitigating resistance requires a transition from simply algorithmic accuracy to transparent and humanistic AI design. The theoretical contribution lies in the integrationCommunication Privacy Management Theory, Psychological Reactance Theory, and Social Cognitive Theory serves as a unified framework for understanding digital resistance. Practically, this study offers marketers guidance on building trust through empowering user control.
AI Personalization, Consumer Resistance, Data Privacy, Autonomy, Algorithmic Anxiety
Copyright (c) 2025 Muhamad Ali (Author) https://creativecommons.org/licenses/by-nc/4.0
EVALUASI PENGARUH FAKTOR TEKNOLOGI, PENGGUNA, DAN ORGANISASI TERHADAP KEANDALAN SISTEM INFORMASI MANAJEMEN: STUDI KUANTITATIF PADA PERUSAHAAN DI INDONESIA
Penelitian ini bertujuan untuk menganalisis pengaruh faktor teknologi, pengguna, dan organisasi terhadap keandalan Sistem Informasi Manajemen (SIM) pada perusahaan di Indonesia. Metode penelitian menggunakan pendekatan kuantitatif eksplanatori dengan menyebarkan kuesioner kepada 120 responden dari berbagai sektor industri yang dipilih menggunakan teknik purposive sampling. Data dianalisis menggunakan statistik deskriptif, uji validitas dan reliabilitas, analisis regresi linier berganda, serta analisis jalur dengan bantuan software SPSS 25 dan SmartPLS 4. Hasil penelitian menunjukkan bahwa ketiga faktor berpengaruh signifikan terhadap keandalan SIM dengan nilai R² = 0,672. Faktor teknologi memiliki pengaruh paling dominan (β = 0,385; p < 0,001), diikuti oleh faktor pengguna (β = 0,278; p = 0,002), dan faktor organisasi (β = 0,194; p = 0,008). Analisis jalur mengungkap adanya pengaruh tidak langsung faktor organisasi melalui faktor pengguna sebesar 0,098. Implikasi praktis dari penelitian ini adalah perlunya alokasi investasi secara proporsional dengan fokus 45% pada teknologi, 35% pada pengembangan SDM, dan 20% pada penguatan organisasi untuk meningkatkan keandalan SIM secara berkelanjutan.
sistem informasi manajemen, keandalan sim, faktor teknologi, faktor pengguna, faktor organisasi, analisis kuantitatif
Copyright (c) 2025 Yaulie Deo Y. Rindengan, Meiland Makalisang, Julie J. Sondakh, Agus Supandi Soegoto, Hendra N. Tawas, Hizkia H. D. Tasik (Author) https://creativecommons.org/licenses/by-nc/4.0
THE ROLE OF THE SELLING AND DISPLAY PROCESS TO INCREASE P&G PRODUCT SALES IN THE GUNUNG SARI MARKET, WEST LOMBOK
In the supply chain of a product to reach consumers, a significant role is needed from the distributor. Sales performance and achieving maximum distribution are the main goals that must continue to be achieved. However, the challenges of tight competition between competitors make achieving these goals not easy. The ability to strategize, execute, evaluate, and continuously innovate is one of the keys to the success of a distributor. The decline in sales that occurred in P&G products in Gunung Sari Market is part of a phenomenon that occurs in a supply chain that is run. The research conducted is an effort to increase sales again by using a qualitative descriptive method that prioritizes detailed descriptions based on empirical data collected from the field. By taking the object of research, namely the sale of P&G products in Gunung Sari Market, Lombok . Based on the results obtained, there is a very close relationship between the selling and display processes in increasing sales of P&G products at the Gunung Sari Market, West Lombok. The impact of the increase in sales that occurs can be used as a reference for carrying out the same pattern and implementing it in other areas within the company.
Copyright (c) 2025 Wawan Setyawan, Melinda Christanti Kwan (Author) https://creativecommons.org/licenses/by-nc/4.0
CIRCULAR ECONOMY AND SUSTAINABLE SUPPLY CHAINS: A SYSTEMATIC LITERATURE REVIEW
This study aims to analyze the integration of Circular Economy (CE) principles within the Sustainable Supply Chain (SSC) framework through a cross-sectional approach.narrative integrative reviewThe study results show that theoretical models in the CE–SSC literature are still fragmented, with the dominance of NRBV, Industrial Ecology, and institutional theory approaches that have not been able to comprehensively integrate all circular loops. In addition, digital enablers such as IoT, AI, and blockchain have not been systematically integrated in existing models, creating important conceptual gaps in supporting traceability, coordination, and performance measurement of circular supply chains. This study offers an integrative framework that unites circular design, digital technology, supply chain coordination, reverse flow mechanisms, and sustainability outcomes. These findings provide academic contributions through comprehensive theoretical mapping and practical contributions in the form of guidance for organizations and policymakers in developing more effective, collaborative, and technology-based CE–SSC implementations.
Circular Economy; Sustainable Supply Chain; Model Integration; Digital Technology; Reverse Logistics; Sustainability Performance; Conceptual Framework
Copyright (c) 2025 Handoyo Teguh, Handy Bugiman (Author) https://creativecommons.org/licenses/by-nc/4.0
THE EFFECT OF NON CASH PAYMENT SYSTEM ON CUSTOMER COMPLIANCE IN LOAN REPAYMENT AT PT. PEGADAIAN BOSWESEN BRANCH
The digitalization of financial services has driven the increased use of non-cash payment systems at various financial institutions, including PT. Pegadaian. However, customer compliance in repaying loans remains suboptimal. This study aims to analyze the effect of non-cash payment systems on customer compliance in repaying loans at PT. Pegadaian, Boswesen Branch. Using a quantitative approach with simple linear regression analysis, this study processed data collected through a structured questionnaire from gold pawn customers. The results showed that the use of non-cash payment systems did not significantly impact customer compliance. This finding indicates that compliance is more determined by factors other than the use of payment technology, such as financial awareness, understanding of payment obligations, and level of trust in the institution. This study recommends that further studies consider psychological, behavioral, and financial literacy variables to gain a more comprehensive understanding of the determinants of customer compliance.
Customer Compliance; Finance; Pawnshops; Loan Repayment; Non-Cash Payment Systems
Copyright (c) 2025 Meiland Makalisang, Viktor Lengkong, Merinda H. Ch. Pandowo, Genita G. Lumintang, Christoffel M. O. Mintardjo (Author) https://creativecommons.org/licenses/by-nc/4.0
MANAGING FINANCES EARLY THROUGH FRUGAL LIVING: A SMART AND THRIFTY LIFESTYLE FOR GEN Z
Current developments in digital technology and culture have influenced the financial behavior of Gen Z, who tend to be consumptive and oriented towards short-term gratification. In this context, frugal living has emerged as a new paradigm that continues to emphasize simplicity, efficiency, and self-control in financial management. This concept is not merely about saving, but also encompasses the ability to assess utility, delay gratification, and prioritize long-term needs over immediate desires. This study aims to examine frugal living as a strategy for early financial management for Gen Z, using the perspective of the Theory of Planned Behavior and behavioral economics. The method used is a descriptive literature review with empirical analysis of various international journals related to financial behavior, financial literacy, and frugal consumption behavior. The results of the study indicate that frugal behavior is positively correlated with financial literacy, impulse control, and individual well-being.
frugal living, generation Z, financial literacy, consumer behavior, financial well being
Copyright (c) 2025 David Bryan Satria, Effran Nathan R R, Ni’matuz Zahroh (Author) https://creativecommons.org/licenses/by-nc/4.0