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This study aims to analyze the influence of Financial Literacy, the use of Digital Payments, Lifestyle, and Pocket Money on the Consumptive Behavior of Generation Z. The research subjects were students of the Faculty of Economics and Business, Budi Luhur University. This study uses a quantitative approach with a survey method through the distribution of online questionnaires. The population in this study consisted of 1,017 active students of the Faculty of Economics and Business, Budi Luhur University, from the 2022-2025 batch, with a sample size of 100 respondents determined using the Slovin formula and non-probability sampling technique with purposive sampling method. The data obtained were analyzed using SPSS version 25 with multiple linear regression analysis, classical assumption testing, model feasibility testing (F test), t test, and coefficient of determination (R²). The results showed that financial literacy, lifestyle, and pocket money significantly influenced students' consumptive behavior. Meanwhile, the use of Digital Payment does not significantly affect students' Consumptive Behavior. In addition, the results of the model feasibility test (F test) show that Financial Literacy, the use of Digital Payment, Lifestyle, and Pocket Money together significantly affect Consumptive Behavior, so that the regression model is declared feasible for use.

This study examines students’ understanding and application of Qawāʿid al-Fiqhiyyah in their daily muamalah practices and its implications for their ethical behavior. Using a descriptive qualitative approach, the research involved twenty students who provided data through questionnaires, in-depth interviews, and observations. The findings indicate that most students possess a solid understanding of the function of legal maxims as general principles guiding Islamic legal reasoning and as analytical tools for addressing contemporary issues. They are able to apply Qawāʿid al-Fiqhiyyah in various modern activities, such as digital transactions, social interactions, and financial management, which helps them act with greater caution, fairness, and responsibility. Nevertheless, several challenges remain, including difficulties in understanding Arabic terminology, limited contextual examples, and environments that do not always support consistent application. This study concludes that strengthening practical understanding and contextual learning is essential for Qawāʿid al-Fiqhiyyah to function effectively as a moral and Sharia-based guide for students navigating the complexities of modern life.

MSMEs are a sector that plays a vital role in the Indonesian economy, both as labor absorbers and significant contributors to Gross Domestic Product (GDP). However, amidst increasingly competitive business competition, the sustainability of MSMEs is largely determined by the ability of entrepreneurs to formulate and implement appropriate business strategies. This study aims to analyze the role of business strategies in increasing revenue by taking a case study of the Dimsum Mentai MSME in Medan City. The research method used is a qualitative approach with data collection techniques through interviews, observation, and documentation. The research results show that the business strategies implemented by the Dimsum Mentai MSME include product innovation through a combination of traditional and modern flavors, the implementation of value-added packages to reach consumers with diverse purchasing power, the selection of a strategic business location near student activity centers, and the use of social media as a digital promotional tool. These strategies have been proven to increase consumer appeal, expand market reach, and positively contribute to increasing business revenue. Thus, it can be concluded that business strategy plays a crucial role in maintaining competitiveness and increasing revenue for MSMEs in the culinary sector. The findings of this study are expected to contribute academically to the development of MSME business strategy studies and provide practical recommendations for entrepreneurs to optimize their business potential amidst constantly changing market dynamics.

The Independent Entrepreneurship Program is one of the strategic efforts of the Ministry of Education, Culture, Research, and Technology in fostering the entrepreneurial spirit of students through direct experiential learning. This program is present as a forum for students to not only understand entrepreneurship theory, but also to practice in real life the process of building and managing a business. In its implementation, the program involves active collaboration between universities, industry mentors, and field supervisors who play a role in providing direction, guidance, and evaluation of student business development. Through Independent Entrepreneurship, students are given the opportunity to design creative business ideas, run a business on a real scale, and solve various entrepreneurial challenges they face. This activity not only trains managerial, communication, and innovation skills, but also improves critical thinking and problem-solving skills. In addition, students gain valuable experience in terms of teamwork, financial management, marketing strategies, building business networks, and the use of digital technology to support business sustainability. The results of the program implementation show positive impacts, including increased confidence, independence, and students' understanding of the real business world. Furthermore, this program encourages the creation of an entrepreneurial ecosystem in a sustainable campus environment and is able to be the forerunner of the birth of a young generation of Indonesian entrepreneurs who are resilient, innovative, creative, adaptive to changing times, and have high competitiveness. Thus, Independent Entrepreneurship not only plays a role as a skill development program, but also becomes one of the important foundations in preparing students to face the world of work and becoming independent business actors who are professional, visionary, sustainability-oriented, and make a real contribution to the nation's economic development.

This study aims to examine the influence of financial literacy, financial technology, and financial behavior on investment decisions among students at the Universitas Persatuan Guru Republik Indonesia Semarang. The data used in this study is primary data, obtained through the distribution of questionnaires via Google Forms to students at the Universitas Persatuan Guru Republik Indonesia Semarang. The population of this study consists of students from the university, and the sampling technique used is probability sampling with purposive sampling. The sample was determined using the Slovin formula with a margin of error of 10%. The analysis tool used in this study is SPSS 26 to process and analyze the data. This study tests three hypotheses: H1, which states that financial literacy does not significantly affect investment decisions, H2, which states that financial technology does not significantly affect investment decisions, and H3, which states that financial behavior significantly affects investment decisions. The results of the study indicate that H1 is accepted, meaning that financial literacy does not significantly influence investment decisions. On H2, the results also show that financial technology does not significantly affect investment decisions. However, for H3, the results show that financial behavior significantly influences investment decisions. Therefore, it can be concluded that while financial literacy and financial technology do not have a significant impact on students' investment decisions, financial behavior plays a more dominant role in influencing their investment decisions. This study provides valuable insights for universities and other educational institutions to focus more on improving students' financial behavior as a strategic step in enhancing the quality of investment decisions

This study was conducted to examine the influence of ticket prices, facilities, and location on visitor satisfaction at Tirta Bening Swimming Pool. The approach used was quantitative with data collection through primary and secondary sources. The study population consisted of all visitors to Tirta Bening Swimming Pool. Data analysis techniques used included validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, and hypothesis testing. The results of the study indicate that partially, the three variables—ticket prices, facilities, and location—influence visitor satisfaction, as indicated by the t-test results. Meanwhile, based on the F-test, all three simultaneously also have a significant influence on the level of visitor satisfaction. More specifically, the facility variable has a dominant influence on visitor satisfaction. This indicates that comfort, cleanliness, completeness of facilities, and the quality of service provided by the management significantly influence visitors' perceptions of their experience at the swimming pool. Affordable ticket prices are also a major attraction, especially for families and student groups seeking cost-effective recreational alternatives. Meanwhile, the strategic and easily accessible location is also an added value, especially for visitors from the surrounding area. The implications of these findings are the importance of regularly upgrading and maintaining facilities, as well as providing additional services such as a cafeteria, comfortable changing rooms, and responsive security personnel. Management is also advised to periodically evaluate ticket pricing to maintain competitiveness while still supporting operational and service development. Furthermore, location promotion through social media and digital platforms can also expand visitor reach. This research provides an important contribution to the development of tourism destination marketing and management strategies based on visitor needs and satisfaction.

This study aims to determine the relationship between conflict management, occupational safety and health (OHS), and work motivation towards increasing employee productivity at PT. Ratna Beton Giriwoyo. The background of this study is based on the importance of human resource management as a company's main asset in achieving optimal productivity targets, especially in the construction industry sector which has its own challenges in creating a safe and productive work environment. This study uses a quantitative approach with data collection techniques through distributing questionnaires to all company employees as respondents. The data obtained are then analyzed statistically to determine the effect of each variable on employee work productivity. The results show that conflict management has a significant relationship with employee productivity. Properly managed conflict not only avoids a decline in performance but can also increase morale and cooperation between employees. In addition, the implementation of good occupational safety and health (OHS) contributes to a sense of security and comfort at work, thereby reducing workplace accidents and increasing employee focus and work efficiency. Work motivation has also been shown to have an important role in encouraging employees to achieve predetermined performance targets. These three variables, both partially and simultaneously, have a significant effect on employee work productivity. These findings suggest that an integrated approach to conflict management, OSH implementation, and increased work motivation can be an effective strategy for improving company performance. This research is expected to provide practical contributions to the management of PT. Ratna Beton Giriwoyo in formulating human resource development policies, as well as serve as an academic reference for researchers and students interested in human resource management, particularly in the construction sector.

This study aims to examine the effect of digital literacy on entrepreneurial decisions among students of Universitas Negeri Jakarta participating in the 2023 Student Entrepreneurial Program (PMW), with self-efficacy as a mediating variable. A quantitative approach was employed using a survey method. A total of 136 respondents were selected from 206 students in the TOP 50 PMW business teams through purposive sampling. Data were collected using a questionnaire and analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method with SmartPLS 4.0 software. The results show; (1) that digital literacy has a positive and significant effect on self-efficacy; (2) digital literacy has a positive and significant effect on entrepreneurial decisions; (3) self-efficacy has a positive and significant effect on entrepreneurial decisions; (4) and digital literacy indirectly affects entrepreneurial decisions through self-efficacy. These findings highlight the crucial role of self-efficacy in strengthening the influence of digital literacy on entrepreneurial decisions. Therefore, it is essential for higher education institutions to foster students' digital literacy and confidence to support entrepreneurial development in the digital era.

This study aims to analyze the spending patterns of students at the Faculty of Islamic Economics and Business (FEBI), State Islamic University of North Sumatra (UINSU), and to examine the implementation of personal financial planning in their daily lives. This research employs a qualitative approach using a case study method. Data were collected through in-depth interviews with 40 students from various departments and semesters, selected purposively. The findings indicate that most students have high expenditures on consumption needs such as food and internet access, as well as lifestyle expenses like online shopping and entertainment. The majority do not regularly prepare a financial budget, rarely record their expenses, and exhibit impulsive spending behavior influenced by social pressure and digital media. Although students possess theoretical knowledge of Islamic economic values, their practical application in financial management remains limited. This study recommends the need for more practical, Islam-based financial literacy programs within the FEBI UINSU environment. Financial training and mentoring programs are considered essential to enhance students' financial awareness and independence.

This study aims to explore the role and impact of the development of digital payment systems, particularly the Quick Response Code Indonesian Standard (QRIS), on the financial management practices of out-of-town students in the 2024 cohort. Using a descriptive qualitative approach and data collected through open-ended questionnaires distributed to 50 students of the Accounting Study Program at UPI, the research examines sources and management of monthly funds, the influence of QRIS on consumptive behavior, the role of QRIS in daily transactions, the handling of unexpected expenses, and students' financial awareness. The results indicate that QRIS is widely used for daily spending transactions, especially for purchasing food and beverages, due to its practicality and convenience. However, the findings also suggest a tendency for increased consumptive behavior among students who use QRIS. Nonetheless, a small portion of students reported that QRIS facilitates easier control over spending through visibility of balances and transaction histories. This study highlights the importance of financial literacy alongside the adoption of digital payment technologies to optimize students' financial management.

Final year students often experience difficulties in adapting to career and life demands, as well as maintaining their well-being. This study aims to examine the influence of social support and self-efficacy on life satisfaction and career adaptability among final-year students. Quantitative data were collected from 155 students in their final year of study and analyzed using Structural Equation Modelling (SEM). The results showed that social support did not affect the career adaptability of final-year students. Conversely, self-efficacy had a positive effect on career adaptability. Social support was found to have a positive impact on students' life satisfaction. Students who received social support from family, friends, and educational institutions tended to have higher levels of life satisfaction. Self-efficacy also positively affected life satisfaction, indicating that high self-confidence enhances individual well-being. However, life satisfaction did not significantly influence career adaptability, suggesting that other factors such as work experience and environmental support play a more significant role. This study has several limitations, including a limited sample size and potential respondent bias. Future research should involve larger and more diverse samples and employ a variety of data collection methods. Educational institutions are encouraged to develop programs that enhance self-efficacy and social support to help students reach their full potential in their careers and personal lives.

This study aims to test how much influence Product Quality and Brand Equity have on Consumer Purchasing Decisions by Increasing Sales as an Intervening Variable on Scarlet Whitening Skincare Products (Case Study on Students of Putra Indonesia University "YPTK" Padang). The sample in this study amounted to 108 respondents in scarlet whitening skincare customers. This population is 2021 management students of Putra Indonesia University YPTK Padang.The results of this study are (1) There is a positive and significant influence between Product Quality on Sales Increase in Scarlet Whitening Skincare Products. (2) There is a positive and significant influence between Brand Equity on Sales Increase in Scarlet Whitening Skincare Products. (3) There is a positive and significant influence between Product Quality on Purchasing Decisions on Scarlet Whitening Skincare Products. (4) There is a negative and insignificant influence between Brand Equity on Purchasing Decisions on Scarlet Whitening Skincare Products. (5) There is a positive and significant influence between Sales Increase on Purchasing Decisions on Scarlet Whitening Skincare Products. (6) Sales Increase mediates Product Quality on Purchasing Decisions on Scarlet Whitening Skincare Products (7) Sales Increase mediates Brand Equity on Purchasing Decisions on Scarlet Whitening Skincare Products.

This research aims to analyze the level of student satisfaction with academic administration services at the Catholic Religious Education Study Program (PKK) STPKat Santo Fransiskus Assisi Semarang in the 2024/2025 Academic Year. Effective and efficient academic administration services are an important factor in supporting the smooth teaching and learning process and improving the overall quality of education. The research method used is descriptive quantitative with a survey approach. Data was collected through a questionnaire distributed to active students of the PKK Study Program. The variables studied include speed of service, accuracy, attitude of officers, ease of procedures, and supporting facilities. The research results show that in general students feel quite satisfied with the academic administration services provided. Aspects of officer attitude and correct information received the highest satisfaction scores, while aspects of ease of procedures and supporting facilities still require improvement. It is hoped that these findings can provide input for the management of the PKK Study Program to improve the quality of academic administration services, so as to create a more conducive academic environment and support student achievement.

One pointer of a country's advance can be seen from its financial perspective. MSMEs, as the spine of national financial improvement, require back from the government. Through the Free Enterprise (WMK) program, the government is collaborating with colleges in Indonesia to create a youthful era with an entrepreneurial soul. In this program, understudies are straightforwardly included through the entrepreneurial hatching arrange known as the submersion organize. At this arrange, students' entrepreneurial abilities are sharpened with MSMEs that are accomplices in this program. This think about employments a expressive strategy with a subjective approach. The information displayed were gotten through writing considers by analyzing different sources from past investigate, and are the comes about of work hones carried out with Bulgrill MSMEs.

This study aims to analyze the effect of e-wallet usage on the financial management behavior of Pamulang University students, South Tangerang. With the increasing development of technology, e-wallets have become one of the payment instruments widely used by the public, especially the younger generation. This study uses a quantitative approach with a survey method by distributing questionnaires to Pamulang University students. The results of the study indicate that there is a significant relationship between e-wallet usage and students' financial management behavior, especially in terms of budget management, recording expenses, and financial discipline. This study provides recommendations for improving financial literacy among students in order to maximize the benefits of using e-wallets.

This study analyzes the influence of ease of use and security on customer satisfaction with the mobile banking services of Bank Sumsel Babel Syariah, particularly among students of the Faculty of Islamic Economics and Business at UIN Raden Fatah Palembang. Using a quantitative approach, data were collected through questionnaires from 100 respondents. The results indicate that ease of use does not have a significant effect, while security has a positive and significant impact. Collectively, ease of use, security, and trust contribute 78.5% to customer satisfaction variability. The study recommends enhancing security systems and usability of the mobile banking application, as well as educating customers on safe usage practices.

This research aims to determine the influence of online shopping experiences and trust on repurchase intention at TikTok Shop. The sample objects in this research are consumers who have made at least 3 purchases on the TikTok Shop application. There were 28 consumers who made purchases 3 times, 5 people made 4 purchases, and 67 people made frequent purchases at the TikTok Shop. This study uses a Quantitative Method using non-probability sampling method with purposive sampling. The sample in this study was 100 respondents, processing data using the SPSS 26 application with multiple linear regression analysis testing which included validity test, reliability test, Ttest, Ftest and the coefficient of determination (R²). The research results show that: Hypothsis 1) online shopping experience has a positive and significant effect on repurchase interest at TikTok Shop, hypothsis 2) trust has a positive and significant effect on repurchase interest at TikTok Shop, hypothesis 3) Trust and Online shopping experience have a positive and significant effect on online repurchase interests the determinant coefficient (R²) is 0.156. This means that the variables of online shopping experience and trust influence repurchase interest at TikTok Shop by 15.6%, while the remainder or 84.4% is influenced by other variables not examined in this research.

The main pillar in building quality individuals is education. In pursuing education, people today will go to school, where at each level there are rules that must be followed and prohibitions that must be avoided by students. This is useful for building discipline and a sense of responsibility. Motivation can be said to be a tool that can move and encourage people because it can trigger a feeling of enthusiasm and can also change individual behavior to a better place. This research aims to determine the influence of motivation on the discipline of Stambuk Entrepreneurship Students 2023, Medan State University. This research is quantitative research using the ex-post facto method. In analyzing the data that has been collected, this research uses manual calculations with Quantitative Descriptive Statistical Analysis techniques. Based on the results of the analysis, it was found that there was an influence of motivation on the discipline of the 2023 UNIMED Entrepreneurship students with X and Y correlation results of 0.58 or 58%, while the remainder, namely 0.42 (42%) was determined by other variables.

This article describes the role of student creativity in creating innovative business opportunities. Through the exploration of creative ideas, students can be key drivers in identifying and developing untapped business opportunities. Understanding that creativity is the key to innovation, this article explains how students can apply their creative potential to create new and exciting business concepts. The focus lies on how creativity becomes a valuable resource to open doors to new opportunities, drive business growth, and make a positive contribution to the economy. By absorbing this approach, students are expected to see business opportunities as untapped fields of exploration, making creativity a catalyst for innovation in the world of entrepreneurship.

This study aims to find out how the influence of education costs, services and facilities at Nurul Hikmah Pasar Kemis Vocational High School, in attracting new students' interest. The author conducted research on 91 new students at Nurul Hikmah Vocational School who were respondents using the slovin formula and the sampling technique used simple random sampling. The data analysis method used is Multiple Linear Regression with the help of SPSS. The results of data analysis in this study show that the cost of education has a significantly positive effect on attracting new students with a Tcount of 3,391, greater than a Ttable of 1,662. Service significantly does not have a direct effect on attracting new students' interest significantly. Facilities significantly have no direct effect on attracting new students' interest. Tcount is 0.546, which is smaller than Ttable 1.662. and value (sig=0.586 > 0.05). As well as the Cost of Education, Services and Facilities simultaneously influence the interest of new students significantly with fcount 4.310 > 3.101 ftable.