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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 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 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 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 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.

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.

The aim of this research is to determine the influence of entrepreneurship courses on students' interest in becoming entrepreneurs in the Fashion Design Vocational Education study program. This research is important because research on the influence of entrepreneurship courses on students' interest in entrepreneurship in the Fashion Design Vocational Education study program is the first to be conducted. Entrepreneurship courses are one of the courses that students must take. The respondents selected and used in this research were students of the Fashion Design Vocational Education study program. This research was conducted using a survey method using a list of questions (questionnaire) as the main instrument in collecting primary data. From the results of the research and discussion, it can be concluded that entrepreneurship courses have an influence on interest in entrepreneurship among students in the Fashion Design Vocational Education study program at Ngudi Waluyo University, because by taking entrepreneurship courses students gain insight into the concept of entrepreneurship and train entrepreneurial skills which include entrepreneurial characteristics, motivation, business plan, human resources, production and marketing which can increase interest in entrepreneurship and gain experience which can change students' mindset and behavior so that they have an interest in entrepreneurship

The younger generation is the largest group of internet users, they are the first generation to grow up with computers, the internet, smartphones, online social media and online shopping. They tend to have similarities in their online shopping behavior. This research aims to analyze the behavior and preferences of the younger generation towards e-commerce and their opinions regarding demands for the closure of e-commerce by some people in Indonesia. This research is quantitative research using a questionnaire method with 22 respondents aged 17-25 years and from high school students to university students. The findings of this research show that the younger generation is more likely to use e-commerce for shopping and tends to reject demands to close e-commerce by some members of society. The implication of this research is that e-commerce must improve service quality, user experience, and transaction security to meet the needs and expectations of the younger generation.

The study aims to analyze the effect of financial literacy and financial attitude on financial management owned by students. The research method used in this study was the student of Management study Program Faculty of  Social and Politic University of Sembilanbelas November Kolaka (USN Kolaka). In the even semester 2019-2020. There were 225 student. The sampleused in this study amounted to 140 students using random sampling technique. The data used in this study are primary data. Namely by distributing questionnarres. The data analysis technique used in this study regarding financial literacy and financial attitude shown that both has a significant positive influence on financial management practices with a t-statistic value of 3,923 and p-value of 0,000 for financial literacy and financial attitude variable is posit ive with a t-statistic value of 4,074 and p-value 0,000.

This study aims to determine the effect of website quality, security and trust on purchasing decisions on the Shopee application. The method in this study uses quantitative methods. This research was conducted in the area of Padang Ngeri University. For this experiment, a probability sampling approach was used to choose the sample. Up to 200 Padang State University students who use Shopee will take part in the survey as responders. This study demonstrates that customers' trust in Shopee-compatible online marketplaces directly and favorably affects their willingness to shop there, Website quality has a positive and significant effect on consumer trust through online purchase decisions on online buying and selling sites on the application Shopee, Security online purchases has a positive and significant effect on online purchase decisions mediated by customer trust on online buying and selling sites on the Shopee application, Security online purchases has a positive and significant effect on customer trust through online purchase decisions on online buying and selling sites on the Shopee application , customer trust has a positive and significant effect on online purchase decisions on online buying and selling sites on the Shopee application.

The main focus of this research is to know and analyze the level of student satisfaction in services at the library at the Muhammadiyah University of Jambi. The data in this study were obtained based on primary data using surveys in collecting data through questionnaires. The number of samples is 100 respondents who are students of Jambi Muhammadiyah University. The variables in the study used 5 dimensions of service quality consisting of reliability, responsiveness, assurance, empathy and tangibles as measured using a Likert scale. The results showed that the importance and quality of service indicated that student respondents in using library services were satisfied with the services provided by the Jambi Muhammadiyah University library. In addition, the results of the analysis in this study showed that the average respondent's answers related to student satisfaction with library services at Jambi Muhammadiyah University were at a value of 4.5, which means that respondents were very satisfied in using library services at Jambi Muhammadiyah University.