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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 is motivated by the importance of balancing work and personal life (work life balance) to enhance employee performance and well-being. The research aims to analyze the influence of leadership style, workload, and work environment on the work life balance of employees at PT Bina Bangun Perkasa Kediri. A quantitative approach was applied using purposive sampling, with all 35 permanent employees selected as respondents. Data were collected through observation, interviews, and questionnaires, and analyzed using classical assumption tests and multiple linear regression. The findings reveal that leadership style and work environment significantly affect work life balance, while workload has no significant effect. Simultaneously, the three variables show a significant effect on work life balance. These results provide theoretical implications regarding the crucial role of leadership and workplace conditions in supporting employees’ work life balance, as well as practical implications for company management to foster a healthy work environment and effective leadership to improve employee well-being

Human resources (HR) play a crucial role in determining the success of an organization. PT Indomarco Prismatama is a leading company in the modern retail sector, operating the Indomaret minimarket network that provides essential daily needs for the community. Within this context, employee performance becomes a critical factor that directly influences business continuity and service quality. However, several issues remain, such as high absenteeism, low motivation, and disharmonious workplace relationships. These conditions highlight the importance of effective leadership styles and a strong organizational culture in enhancing employee performance. This study aims to analyze the influence of leadership style and organizational culture, both partially and simultaneously, on employee performance at PT Indomarco Prismatama, Kelapa Gading Branch. The research employed a quantitative approach with an associative design. The population consisted of 102 employees, with a sample of 81 respondents determined using Slovin’s formula. Data were collected through a Likert-scale questionnaire and analyzed using validity and reliability tests, multiple linear regression, t-tests, and F-tests to examine the relationships among variables. The findings reveal that leadership style significantly influences employee performance, while organizational culture also has a positive and measurable effect. Furthermore, the simultaneous influence of both variables shows a significant impact on improving performance. These results indicate that a combination of effective leadership and a supportive organizational culture plays a vital role in enhancing productivity and achieving organizational goals at PT Indomarco Prismatama, Kelapa Gading Branch.

This study investigates the influence of financial literacy and lifestyle on financial management among gym members at USB Fitness. Financial literacy refers to the ability to understand and apply financial concepts, while lifestyle encompasses spending patterns, consumption preferences, and daily habits. Low financial literacy combined with a high-consumption lifestyle can negatively impact personal financial management, potentially leading to poor budgeting, excessive debt, and limited savings.The research adopts a quantitative approach using a survey method, with data collected through structured questionnaires distributed via Google Forms. The population comprises 60 registered gym members, from which a sample of 52 respondents was determined using the Slovin formula with a margin of error of 5%. Data analysis techniques involve both partial (t-test) and simultaneous (F-test) hypothesis testing to assess the effects of the independent variables—financial literacy and lifestyle—on the dependent variable, financial management.The t-test results indicate that financial literacy has a positive and significant effect on financial management (t-count = 6.384 > t-table = 2.00958; p-value = 0.000 < 0.05), suggesting that higher financial literacy levels contribute to more effective personal financial practices. Conversely, lifestyle shows no significant effect on financial management (t-count = -0.013; p-value = 0.990 > 0.05), indicating that lifestyle variations among respondents do not directly determine their financial management capabilities.Simultaneous testing through the F-test reveals that financial literacy and lifestyle together have a significant influence on financial management (F-count = 21.333 > F-table = 3.191; p-value = 0.000 < 0.05). This suggests that while lifestyle alone may not significantly impact financial management, its interaction with financial literacy can influence financial outcomes.The study concludes that improving financial literacy among gym members is essential for enhancing financial management skills, while lifestyle modifications may only be impactful when supported by strong financial knowledge.

This study aims to determine how much influence leadership style and work environment have on employee performance at Company X. In this study, the method used is quantitative with data collection through questionnaires measured with a Likert scale. The sampling technique used is saturated sampling technique, where the entire employee population is sampled in this study. Data analysis was carried out using validity and reliability tests, as well as classical assumption tests such as linearity tests, hypothesis tests, and multiple linear regression, with the help of SPSS 26 software. The results of the analysis show that the leadership style variable has a significant effect on employee performance. This is evidenced by the calculated t value of 4.753 which is greater than the t table of 1.663, indicating a partial influence of leadership style on employee performance. Likewise, the work environment variable also has a significant effect on employee performance, with a calculated t value of 3.619 which is greater than the t table of 1.663. Analysis using the F-test shows that leadership style and work environment together have a significant influence on employee performance, with a calculated F-value of 12.823, which is greater than the F-table of 3.108, and a significance value of 0.000, which is less than 0.05. Based on the results of this study, it can be concluded that leadership style and work environment have a significant influence on employee performance at Company X. Therefore, the company needs to pay attention to both factors to improve employee performance.

This paper examines the influence of financial education on personal financial management practices of Generation Z. A quantitative method with a survey approach was used, involving 30 Generation Z respondents (aged 17-25 years) through questionnaires and simple linear regression analysis. The results of the study indicate a significant influence of financial education on wise financial management practices. Generation Z with adequate financial education tends to be more able to budget, save, invest, and avoid impulsive debt. Conversely, the lack of financial education makes them vulnerable to unwise financial decisions. This paper highlights the importance of integrating financial education into the curriculum and self-development programs to improve literacy and healthy financial practices among Generation Z. This study also discusses the challenges faced by Generation Z in managing finances in the digital era, such as a consumptive lifestyle influenced by social media and e-commerce.

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.

Packaged Drinking Water (PDW) has now become one of the most practical products dominating the market, offering a variety of advantages and benefits. The fierce competition among PDW producers drives consumers to be increasingly discerning and selective in making purchasing decisions. Consumer choices are often influenced by pressing needs, which have recently shifted toward a preference for more natural food and beverage products. However, amidst the fast-paced modern lifestyle, instant products remain a favored solution due to the convenience they offer. By leveraging store atmosphere strategies, this business has successfully stayed competitive and maintained its presence in the market. The relationship between store atmosphere and consumer purchase interest is significant, as first impressions often serve as a critical factor in consumer evaluations of a store. Elements such as exterior design, overall interior, store layout, and interior displays play a vital role in creating that appeal. This study aims to analyze the extent to which store atmosphere influences purchase interest in the Club brand bottled water. The research methodology involves distributing questionnaires to 100 respondents as the primary data source.

Ther success of a company depends on the work achievements of employees. The purpose of this study is to determine the influence of democratic leadership style, job satisfaction, and organizational citizenship behavior partirally and simultaneously on the performance of employees of the National Land Agency of Gianyar Regency. A total of 65 ermployees became the population in this study and by using saturated sampling, a sample of 65 respondents was obtained. The data analysis used in this study is the classical assumptiron test, multiple linear regression analysirs, determination analysis, partial significance test (t-test), and simultaneous significance test (F-test). The results of the study prove that democratic leadership style, job satisfaction, and organizational citizenship behavior partially and simultanerously have a positive and significant effect on employee performance at the National Land Agency of Gianyar Regency. An employeer who has a leader with the right leadership styler, will creater job satisfaction in the minds of employeers which will later increaser the effectiveness of employeers at work and have an impact on improving employeer performance.

The spice tea business, as part of the traditional beverage sector, has great potential to be developed as a pioneering entrepreneurship amidst increasing public awareness of a healthy lifestyle and consumption of natural-based products. Opportunities and challenges faced in developing this spice tea business as a form of entrepreneurial innovation based on local traditions. The main opportunities for developing the spice tea business lie in the diversity of spices in Indonesia, market trends that support organic and herbal products, and the potential for export to the global market. In addition, the sustainability of this business can also be improved through flavor innovation, modern packaging, and digital marketing strategies. However, the main challenges faced include limited capital, fluctuations in raw material prices, competition with modern beverage products, and low digital literacy among business actors.  

PT Multicentral Aryaguna is a subsidiary of Indomobil Group which is engaged in the field of building management and rental service sector. The purpose of this study was to determine the effect of leadership style and punishment on the performance of employees of PT Multicentral Aryaguna East Jakarta. In this study, researchers used statistica quantitative analysis, multiple linear regression analysis and coefficient of determination analysis with the help of SPSS 25 software. The sample used in this study was a saturated sample of 40 employees. The results of this study obtained using the t test that leadership style partialy has a positive and significant effect on employee performance with a significant level of 0.032 <0.05 and t test results of 2.226> 2.024. Punishment partialy has a positive and significant effect on employee performance with a significant level of 0.000 <0.05 and t test results of 4.992> 2,024. Leadership style and punishment simultaneously have a positive and significant effect with a significant level of 0.000 < 0.05 and F test results of 35.176> 3.25 on employee performance.

This research aims to determine the influence of shopping lifestyle and discounts on impulse buying among Shopee users in the Solo Raya area through the moderating variable self-control. This research uses quantitative methods. The population in this study were Shopee users in Solo Raya and had made purchases at Shopee in the last 3 months. The sampling technique in this research used purposive sampling with 97 samples. Data collection is carried out online via Google Forms. Data analysis in this research used SEM (Structural Equation Modeling) via SmartPLS 4.0 software. The results of this research show that shopping lifestyle and discounts have a significant effect on impulse buying. The results of the self-control moderation analysis are able to moderate (strengthen) the influence of lifestyle shopping and discounts on impulse buying among Shopee users in the Greater Solo area.

This research aims to test how much influence effective leadership style and diversity inclusivity have on employee performance with employee development as an intervening variable in the education and culture office of Padang City. The data collection method is through surveys and distributing questionnaires, with a sample of 94 respondents. The analytical method used is structural equation modeling using smartpls. The research results showed that there was a significant influence of effective leadership style on employee development. There is a significant influence of diversity inclusivity on employee development. There is a significant influence of effective leadership style on employee performance. There is an insignificant effect of diversity inclusivity on employee performance. There is a significant influence of employee development on employee performance. Employee development mediates the influence of effective leadership style on employee performance. Employee development mediates the effect of diversity inclusiveness on employee performance.

The purpose of this research is to find out how the employees of PT. Central Cipta Abadi in Cilegon City in relation to the work environment, motivation and transformational leadership style. Quantitative research methodology was applied. This research used 93 respondents as samples and populations. A technique known as non-probability sampling (saturated sample), to collect data based on questionnaires with measurements using an interval scale. SmartPLS 3.0 analysis tool, which consists of exterior and inner model tests as well as instrument tests. Based on data calculations carried out with SmartPLS 3.0, the following conclusions can be drawn: (1) The work environment has a positive and significant effect on employee performance; (2) There is no significant effect of transformative leadership style on employee performance; (3) Employee performance is positively influenced by work motivation and is significant in this case.

The purpose of this research is to find out the influence of leadership style, organizational commitment, and job satisfaction on the performance of KPPBC TMP C Pangkalan Bun employees. The population in this study were 60 employees of KPPBC TMP C Pangkalan Bun. This sample was determined using a saturated sampling technique. The number of samples used in this research was 60 employees. This research data analysis tool uses multiple linear regression. The research results show that leadership style has no effect on employee performance. Organizational commitment has a positive effect on employee performance. Job satisfaction has a positive effect on employee performance.  

This research aims to investigate the relationship between leadership style, level of work discipline, motivation and employee performance at the Economic Bureau of the Governor's Office of West Sumatra Province, with motivation as an intervening variable. The research method used is a qualitative approach to gain a deeper understanding of organizational dynamics. Data was collected through interviews and observations of employees and leaders at the Economic Bureau. The research results show that effective leadership styles, such as transformative and participative leadership, have a positive influence on employee motivation and performance. On the other hand, a high level of work discipline also has a positive impact on employee motivation and performance through creating a structured and supportive work environment. Employee motivation, as a mediator, plays an important role in linking leadership style, work discipline, and employee performance. This research provides valuable insight into the factors that influence employee performance in the Economic Bureau and their effectiveness on the effectiveness of economic management at the provincial level.

This research aims to explain and prove the hypothesis regarding the influence of leadership style and organizational culture on employee performance through job satisfaction as an intervening variable at Mekar Swalayan Kediri. This type of research uses descriptive research with quantitative methods with sampling techniques, namely saturated sampling techniques where the population is 64 employees. The data analysis method used in this research is Partial Least Square (PLS) processed using the Smart PLS 3.0 program. The research results show that Leadership Style and Organizational culture (X2) have a significant effect on employee performance. Leadership style and organizational culture (X2) have a significant effect on job satisfaction. Organizational culture and job satisfaction have a significant effect on employee performance. Leadership style has a significant effect on employee performance through the job satisfaction variable. Organizational culture has a significant effect on employee performance through job satisfaction.

This study aims to determine the effect of leadership style and employee commitment on the performance of civil servants at the village office in Cipedes sub-district, Tasikmalaya city. This study uses a descriptive quantitative method. The types of data used are primary data and secondary data, with a sample of 41 respondents from civil servants at the Village Office in Cipedes District, Tasikmalaya City, and using the saturated sample method. The data analysis tool used in this study was SPSS Version 25. Data collection techniques used observation, interviews, questionnaires, and literature studies. Leadership Style and Employee Commitment simultaneously have a significant effect on Employee Performance in Civil Servants at the Village Office in Cipedes District, Tasikmalaya City. Leadership Style partially has a significant effect on Civil Servant Performance. Employee Commitment partially has a significant effect on Civil Servant Performance.

Employee work productivity is a hot issue and there will be no end to discuss it. Problems related to productivity are also strategic issues for companies that are programming human resources. There are many internal and external aspects that support the creation of effective and efficient work productivity in corporate culture. The purpose of this study was to determine the effect of leadership style, organizational climate and incentives on the productivity of employees of PT Sai Apparel Industries. The approach used in this research is the quantitative approach. The results of this study are leadership style, organizational climate have a positive and significant impact on employee productivity. In addition, incentives have a negative and  insignificant effect on employee productivity.    

The formulation of the problem in this study is how much influence leadership style and Work Culture have on the performance of PT employees. Nijes Bayu Lestari.  The purpose of this study is to find out how much influence  work culture and work career have on the performance of  PT employees. Nijes Bayu Lestari. Based on the results of the study, it was found that for the effect of variables X1 (Style of Leadership) and X2 (Work Culture) on Y (Employee Performance) need to be analyzed by the author because Employee Performance is work achieved by a person or group of work or activities that have been done. Performance can only be obtained if a person or group is doing work or activities. Therefore, without doing something, neither individuals nor groups will be possible. By identifying Work Motivation and Employee Ability, it will have an impact on employee performance. Based on the above thoughts according to the researcher hypothesis which states that Leadership Style  and Work Culture  have a strong influence on Employee Performance di PT Nijes Bayu Lestari. The magnitude of the influence of both independent variables with dependent variables also shows the reality of how to implement and improve optimal Employee Performance, this fact has been answered with Leadership Style  and  Good Work Culture. Practically, the two variables run together, meaning that in the process of Leadership Style  and Work Culture can be variables or factors that determine whether employee performance is good or bad. If the Leadership Style is good / and Buya Work is good, then by itself Employee Performance will increase.