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This research concludes that the Income Level (TPP) received by workers at retirement is only 10% of the last salary obtained from the mandatory pension program, a decrease in income of 90% of the last salary. The monthly living cost needs of retirees in retirement (food, monthly shopping, water costs - electricity, internet, lifestyle, health insurance, etc.) obtained data of IDR 5,600,000, - or equivalent to 56% of the last salary per month. So in actual terms, the level of retirement income (TPP) of retirees in Indonesia there is a gap of IDR 4,600,000, - or 46% less than the last salary per month. This condition causes retirees to fail to maintain their standard of living in old age, in addition to experiencing financial problems in retirement. Factors that affect the amount of a person's TPP consist of: 1) type of work, 2) pension program participated in, 3) length of service and salary amount, 4) investment return rate from the pension program, 5) government regulations, 6) macroeconomic factors and inflation, 7) health conditions of retirees, 8) family responsibilities, and 9) pension fund education determine the size of the level of retirement income. Optimizing private pension funds plays an important role in increasing TPP as a guarantee of income in retirement and creating financial independence in old age, in addition to improving quality of life. For this reason, private pension funds must be managed more optimally to achieve significant investment performance, improve pension fund literacy, target formal and informal workers, and diversify adequate products and services through digitalization of pension fund access and services to encourage significant growth in private pension fund participation.

This study examines and analyzes the effect of Shopping Lifestyle, Fashion Involvement, and Discount Prices simultaneously and partially on Impulse Buying in the Zalora Marketplace. And knowing which variables are most dominant in influencing impulse buying. The research approach used in this research is quantitative research. The criteria for selecting the sample in this study were those aged 17 and over who had used and made purchases through the Zalora Marketplace, and had routinely purchased products for the last 6 months through the Zalora Marketplace and were located in the Jabodetabek area. Questionnaires collected as many as 150 respondents, the data is then processed using multiple linear regression method. Based on the results of the analysis, it is known that the variables Shopping Lifestyle, Fashion Involvement and Discount Price simultaneously have a positive effect on Impulse Buying on the Zalora Marketplace. Partially, the Shopping Lifestyle and Fashion Involvement variables have a positive effect on Impulse Buying. But the Discount Price variable has no effect on impulse buying. Furthermore, the results show that the Shopping Lifestyle variable is the most dominant variable affecting Impulse Buying.

The purpose of this study is to analyze the effects of store atmosphere and customer lifestyle on purchasing behavior, focusing specifically on Parewa customers. Employing a quantitative survey methodology, the research integrates an explanatory approach with a correlational design to explore the relationships between these variables. The study follows a cross-sectional framework, with data collected at a single point in time. The individual purchaser serves as the unit of analysis, and the research is carried out within a natural, real-world environment. The findings demonstrate a statistically significant and positive correlation between store atmosphere and customers' purchasing decisions. This implies that an inviting and comfortable store environment increases the likelihood of customer purchases at Parewa. Additionally, the results show a significant positive correlation between lifestyle and purchasing behavior, suggesting that customers with enhanced lifestyles are more inclined to purchase Parewa products. These insights underline the importance of aligning store ambiance and customer lifestyle preferences to drive sales effectively.  

In the era of globalization and advances in information technology, business competition in various sectors is getting tighter, including in retail industries such as supermarkets. Supermarkets are not only a place to meet daily needs, but also become part of the busy lifestyle of urban people. In this context, the quality of services and products offered by a supermarket has a very important role in maintaining and increasing market share and customer satisfaction. The survey was conducted both directly in the Super Indo Kenjeran Supermarket area and online through an online survey platform. The survey design used is a cross-sectional survey, where data is collected at one particular point in time to measure the relationship between the variables studied. In this context, research on the effect of service quality and product quality on customer satisfaction at PT. Lion Super Indo Kenjeran becomes relevant and important to do. With a better understanding of the factors that affect customer satisfaction, PT. Lion Super Indo Kenjeran can identify areas that need improvement and design more effective strategies in maintaining and increasing customer loyalty. Lion Super Indo as one of the leading supermarkets in Indonesia, with a long history and strong reputation, certainly does not escape from increasingly fierce business competition. Therefore, a deep understanding of the factors that affect customer satisfaction is a strategic key in maintaining the existence and developing the business of PT. Lion Super Indo.

The development of financial management was pioneered by the behavior of a person in the decision-making process. Financial management must lead to responsible financial behavior so that all finances for both individuals and families can be managed properly. Early financial planning will help a person to realize his life goals. A student is an age at the stage of self-development to establish attitudes and lifestyle behaviors and be able to carry out good financial planning by understanding financial literacy correctly. This research was conducted by distributing questionnaires via Google form to students at SMKN 1 Jetis who met the research criteria, namely ages 16-18 years. The research sample was 1256 students using a purposive sampling technique, so that 93 respondents were needed. The data analysis technique uses multiple linear regression data analysis with the help of SPSS 25. The results show that the financial literacy variable has a positive and significant influence on financial management behavior, lifestyle has a positive and significant influence on financial management behavior, and financial literacy and lifestyle variables simultaneously influence the behavior of financial management.