Publication Search

72,210 articles from 658 journals · 2,111 citations tracked

Showing 41-60 of 129

Analytics

Evi Gustia Kesuma; Yunita Yunita; Yunita Lestari

Jurnal Pengabdian dan Perubahan Sosial 2025 Lembaga Pengembangan Kinerja Dosen

Adolescent reproductive health is a crucial aspect in creating a physically, mentally, and socially healthy generation. Adolescence is a critical phase in individual development marked by biological, psychological, and social changes, requiring special attention, particularly regarding understanding reproductive health. Unfortunately, many adolescents still have limited knowledge in this area, which can increase the risk of risky behavior, unwanted pregnancy, and sexually transmitted infections. In this context, families play a crucial role as the primary source of education, supervision, and emotional and moral support. This community service activity aims to increase the knowledge and understanding of adolescent reproductive health among families in Uma Sima Village, Sumbawa District. The methods used included interactive counseling, group discussions, and the distribution of educational media in the form of leaflets to families with adolescent children. The activity was conducted over two days and was attended by 30 families. To measure the effectiveness of the activity, pre- and post-tests were conducted to assess the increase in participants' knowledge before and after the activity. The results of the activity showed a significant increase in families' understanding of adolescent reproductive health issues. This was evident in the increase in the average post-test score compared to the pre-test. Furthermore, participants demonstrated high enthusiasm in participating in the activities, actively participating in discussions, and expressing their readiness to provide education to their children at home. In conclusion, this activity was effective in increasing family knowledge and demonstrating the importance of the family's role in preventing adolescent reproductive health issues. It is hoped that similar activities can be conducted on an ongoing basis to create a supportive, open, and communicative family environment that supports adolescent growth and development.

Satria Efandi; Riva Nadia Putri

Jurnal Ekonomi dan Pembangunan Indonesia 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the influence of perceived organizational support and work engagement on the contextual performance of entrepreneurs in Padang City. Contextual performance is an important aspect of the work environment, reflecting the voluntary behavior of employees or entrepreneurs in helping, collaborating, and supporting organizational or business goals beyond their core duties. In the context of entrepreneurship, contextual performance can influence business continuity and development, as highly committed entrepreneurs tend to demonstrate greater initiative, loyalty, and involvement in business processes. Perceived organizational support, the extent to which individuals feel valued and supported by the organizational environment or business community, is a determining factor in shaping these positive behaviors. Meanwhile, work engagement reflects the level of enthusiasm and dedication of individuals in carrying out their business roles. This study used a quantitative approach with a cross-sectional method, and data were collected through a survey of 1,146 entrepreneurs in Padang City, West Sumatra Province. The analysis showed that both perceived organizational support and work engagement significantly influenced the contextual performance of entrepreneurs. The coefficient of determination (R²) of 0.67 indicates that 67% of the variation in contextual performance can be explained by these two variables (p < 0.01). This finding underscores the importance of creating a supportive environment and encouraging high work engagement in the entrepreneurial context. Therefore, business owners, policymakers, and business community managers need to consider these two factors when designing comprehensive business performance improvement strategies to support regional economic growth.

Lontoh, susy olivia; Novendy; Irawaty, Enny

Jurnal Pengabdian dan Kesejahteraan Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

The application of proper cough etiquette is an essential part of Clean and Healthy Living Behavior (PHBS) and serves as a preventive measure in reducing the transmission of respiratory infectious diseases from an early age. Health education for young children is crucial, as this stage represents the formative period where foundational habits are developed, potentially influencing long-term individual and environmental health. This community service activity was conducted on May 9, 2025, at Stella Maris Kindergarten in Tangerang City, involving 29 Nursery group children. The main objective of the program was to enhance the knowledge and skills of early childhood students in practicing correct cough etiquette and to instill healthy behaviors that they can apply in their daily lives at home and school. The implementation of the activity followed the POAC approach (Planning, Organizing, Actuating, Controlling) in a structured manner. Activities included storytelling (using engaging illustrations), screening of age-appropriate educational videos, practical simulations of cough etiquette, and fun, interactive games. These methods were designed to encourage active participation and ensure that children could understand and retain the health messages through enjoyable learning experiences. The results showed a notable improvement in the children's understanding and active involvement in practicing healthy coughing techniques, such as covering their mouths with a tissue or the inside of their elbows when coughing. Visual education combined with hands-on practice proved to be highly effective in conveying health messages to young children. The teachers responded positively to the program, emphasizing that the approach used was appropriate and should be widely implemented in other early childhood education institutions. They recognized it as a valuable promotive effort and a long-term health investment for children, laying the groundwork for healthier habits and environments in the future.

Meisa Nadiatul Fadliyah; Sigit Puji Winarko; Faisol Faisol

Journal Economic Excellence Ibnu Sina 2025 STIKes Ibnu Sina Ajibarang

This study aims to determine the influence of factors in the fraud hexagon theory on the potential for fraud, which is described through the variables of compensation suitability, competence, organizational culture, effectiveness of internal control systems, and leadership style. Fraud hexagon theory is a development of the fraud triangle and fraud diamond theories, which emphasize six main elements that cause fraud, namely pressure, opportunity, rationalization, capability, arrogance, and collusion. This theory is relevant to describe various internal factors that can encourage fraudulent behavior, especially in the public sector. This study uses a quantitative approach with multiple linear regression analysis methods and is processed using SPSS software version 30. The population in this study are apparatus or village employees who work throughout the Mojoroto District, Kediri City. The sampling technique uses a purposive sampling method, with predetermined criteria. The selection process resulted in 42 respondents, consisting of the Village Head, Village Secretary, and Village Treasurer, who play important roles in administrative and financial management at the village level. Data were collected through closed-ended questionnaires distributed directly to respondents and analyzed to determine the relationship between the independent and dependent variables. The analysis results showed that partially, only the effectiveness of the internal control system and leadership style significantly influenced the potential for fraud. This indicates that strengthening the internal control system and transparent and accountable leadership can minimize fraudulent activities. Meanwhile, the variables of compensation suitability, competence, organizational culture, and unethical behavior did not show significant effects individually. However, simultaneously, all of these variables were proven to significantly influence the potential for fraud. Thus, fraud prevention must be carried out holistically by considering all aspects contained in the fraud hexagon theory.

Luh Made Pramita Suriyani; Amrita Nugraheni Saraswaty

International Journal of Economics, Management and Accounting 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Waste management has become a critical issue in efforts to create a clean and sustainable environment, particularly in Klungkung Regency, which has seen a significant increase in waste generation following the COVID-19 pandemic. One of the local government’s initiatives to address this issue is the establishment of waste banks, including the Lestari Waste Bank in Besang Village. This study aims to analyze the influence of community participation, sustainable economic literacy, and environmental policy on the performance of the waste bank. The research was conducted in Besang Village, covering three sub-village areas: Besang Kawan, Besang Tengah, and Besang Kangin, with a total of 182 waste bank customers as respondents. A quantitative approach was employed using multiple linear regression analysis. The findings indicate that community participation significantly contributes to improving the effectiveness of the waste bank program. Furthermore, community understanding of sustainable economic principles influences individual mindsets and waste-sorting behavior. In addition, environmental policies implemented by the local government strengthen the institutional capacity of waste banks to manage waste systematically and sustainably. Therefore, the collaboration between community involvement, economic understanding, and policy support is key to the success of waste banks as a community-based waste management solution.

Sylvani

KOMPAK : Jurnal Ilmiah Komputerisasi Akuntansi 2025 Universitas Sains dan Teknologi Komputer

This research aims to provide empirical evidence of whether there is an influence of Person-Organization Fit and Personality on Organizational Citizenship Behavior and its impact on Organizational Commitment. This study uses a quantitative correlational method, with data processing assisted by SPSS 22. The population of this study consists of all employees of Hotel Apita Cirebon, including operational and non-operational employees. The sample for this study includes all employees of Hotel Apita Cirebon, totaling 180 individuals. The sample determination uses a saturated sampling method, where the entire population represents the sample of the study. The results of this study indicate that: Person-Organization Fit has a positive effect on Organizational Citizenship Behavior. Personality has a positive effect on Organizational Citizenship Behavior. Person-Organization Fit and Personality together have a positive effect on Organizational Citizenship Behavior. Person-Organization Fit has a positive effect on Organizational Commitment Personality has a positive effect on Organizational Commitment. Organizational Citizenship Behavior has a positive effect on Organizational Commitment. Person-Organization Fit, Personality, and Organizational Citizenship Behavior have a positive effect on Organizational Commitment.  

Anasthasia Regina Sukma; I Ketut Sujana

International Journal of Economics, Management and Accounting 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Taxpayer compliance plays a crucial role in increasing state revenue and supporting national economic development. This study aims to examine the relationship between tax morale, tax fairness, and tax complexity on the compliance of MSME taxpayers in Denpasar City. The research was conducted on MSME taxpayers who are actively registered with the Department of Cooperatives and MSMEs of Denpasar City. A purposive sampling technique was used to select a sample of 100 respondents from a total population of 29,949 MSME taxpayers in Denpasar. The data were analyzed using multiple linear regression. The results indicate that tax morale and tax fairness have a positive and significant relationship with MSME taxpayer compliance in Denpasar City. In contrast, tax complexity shows a negative but statistically insignificant relationship with taxpayer compliance. These findings provide empirical support for the Theory of Planned Behavior and Attribution Theory, highlighting the role of individual attitudes and perceptions in fulfilling tax obligations.

I Gusti Ayu Dianita Martha Kamalini; I Ketut Suryanawa

International Journal of Economics, Management and Accounting 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Investment refers to the decision to allocate a certain amount of funds in the present with the expectation of obtaining returns in the future. Investment decisions are influenced by an individual’s knowledge, behavior, and emotions. Investors consider not only the prospects of investment instruments but also the psychological factors that shape their decisions. This study aims to empirically examine the effect of financial literacy, mental accounting, and risk aversion on students’ investment decisions. The research was conducted at the Faculty of Economics and Business, Udayana University, with a sample of 139 students selected using a census method. Data were collected using questionnaires and analyzed through multiple linear regression. The findings indicate that financial literacy and mental accounting have a positive influence on students’ investment decisions, while risk aversion has no significant effect. These results highlight the importance of financial knowledge and psychological awareness in making sound investment decisions. This study serves as a reference for students to better manage their finances and make more rational and well-planned investment choices.

Fadhila Fatika Hadi; Faisol Faisol; Itot Bian Raharjo

Jurnal Bisnis, Ekonomi Syariah, dan Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to examine the influence of digital promotion, service quality, and lifestyle on consumer decision-making in using the services of Omahbiru Wedding Organizer, located in Kediri. The background of this research stems from the increasing competition among wedding organizer businesses in the digital era, which requires service providers to adapt their marketing strategies to the preferences and behavior of modern consumers. A quantitative research approach was applied, with data collected through questionnaires distributed to 108 respondents who had previously used Omahbiru’s services. Data were analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) method, assisted by SmartPLS 3.0 software. The study examined three independent variables digital promotion, service quality, and lifestyle and one dependent variable, namely consumer decision. The findings reveal that all three independent variables have a significant simultaneous effect on consumer decisions. Individually, lifestyle and service quality have a stronger influence compared to digital promotion, which shows a moderate effect. The R-Square value of 0.488 indicates that these variables explain 48.8% of the variance in consumer decision-making. These results highlight the importance of aligning digital promotional strategies, service excellence, and lifestyle compatibility to attract and retain customers in the wedding organizer industry. Keywords: digital promotion, service quality, lifestyle, consumer decision, wedding organizer   Penelitian ini bertujuan untuk mengkaji pengaruh promosi digital, kualitas layanan, dan gaya hidup terhadap keputusan konsumen dalam menggunakan jasa Omahbiru Wedding Organizer yang berlokasi di Kediri. Latar belakang penelitian ini didasarkan pada meningkatnya persaingan antar wedding organizer di era digital, yang menuntut pelaku usaha untuk menyesuaikan strategi pemasarannya dengan preferensi dan perilaku konsumen modern. Pendekatan penelitian yang digunakan adalah kuantitatif, dengan pengumpulan data melalui kuesioner kepada 108 responden yang sebelumnya telah menggunakan jasa Omahbiru. Analisis data dilakukan dengan metode Structural Equation Modeling (SEM) berbasis Partial Least Squares (PLS), menggunakan bantuan software SmartPLS versi 3.0. Penelitian ini menguji tiga variabel independen—promosi digital, kualitas layanan, dan gaya hidup—serta satu variabel dependen yaitu keputusan konsumen. Hasil penelitian menunjukkan bahwa ketiga variabel independen berpengaruh signifikan secara simultan terhadap keputusan konsumen. Secara parsial, variabel gaya hidup dan kualitas layanan memberikan pengaruh yang lebih kuat dibandingkan promosi digital, yang memberikan pengaruh sedang. Nilai R-Square sebesar 0,488 menunjukkan bahwa ketiga variabel mampu menjelaskan 48,8% variasi dalam pengambilan keputusan konsumen. Temuan ini menegaskan pentingnya kesesuaian strategi promosi digital, pelayanan yang unggul, dan penyesuaian gaya hidup dalam menarik dan mempertahankan pelanggan di industri wedding organizer. Kata Kunci: promosi digital, kualitas layanan, gaya hidup, keputusan konsumen, wedding organizer

Zalkha Soraya; Iftitah Resky Az-zahra J; Rajmia Sulianti; Wulandari Wulandari; Tri Ananda +2 more

International Journal of Economic, Social and Development Sciences 2025 International Forum of Researchers and Lecturers

The rapid growth of e-commerce platforms has transformed consumer purchasing behavior, especially among university students. This study investigates the influence of cashback and free shipping promotions on the purchase decisions of students at the Faculty of Economics and Business, Universitas Muhammadiyah Makassar. Using a quantitative approach and multiple linear regression analysis on data collected from 95 students, the study finds that free shipping promotions significantly affect purchase decisions, while cashback promotions do not show a significant individual effect. However, both promotions combined have a significant positive impact on purchase decisions. These findings provide valuable insights for e-commerce platforms to optimize promotional strategies targeting student consumers. The study contributes to the literature on digital marketing and consumer behavior in the Indonesian e-commerce context.

Aldiyanto Abidju; Sri Endang Saleh; Roy Hasiru; Frahmawati Bumulo; Ardiansyah Ardiansyah

Jurnal Riset dan Publikasi Ilmu Ekonomi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study wasconducted in dunggala village, tibawa subdistrict, gorontalo regency. The objective Is to determine the effect of clash social assistance (BST) on the consumer behavior of the comunity in dungala vilage. This study employed a quantitative aproach. Data were collected thourgh observation, interviews , questionnaires, and documention. The population consisted of 98 individuals, with a sample of respondents. The date were analyzed using simple linier regresion. The results indicate that cash social assistance (BST)affects the consumer behavior of the comunty in dunggala vilage. Based on the cofficient of the determination (R square), a value of 0, 326 was obtained, indicating that 67,4% of the variabilty in consumer behavior can be explained by the cash social assistance variable, while the remaning 6,74% is affected by other variabels not examined in this study.  

Herdinda Oktafani; Indah Sukmawati

Jurnal Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

This research is motivated by the phenomenon that there are still students who do not understand premarital sexual behavior. It can be seen that there are students who hold hands with the opposite sex, there are students who are alone with the opposite sex in public places in school uniforms. The purpose of this study is to describe students' perceptions of premarital sexual behavior and describe the guidance obtained at school. The population in this study consisted of all X and XI grade students at SMK Negeri 1 Padang Panjang in the 2024/2025 school year, totaling 681 people. The research sample amounted to 253 students selected through stratified random sampling technique. Data collection was carried out by distributing instruments in the form of questionnaires measuring students' perceptions of premarital sexual behavior and guidance obtained at school. The results showed that (1) students' perceptions of premarital sexual behavior at SMK Negeri 1 Padang Panjang were generally in the good category (2) the guidance obtained at school was generally in the very good category. Based on the results of this study, counseling teachers can maintain and improve the quality of services that have been provided to prevent the emergence of premarital sexual behavior among students. This effort can be done through the provision of information services, individual counseling, and group guidance that specifically discusses topics regarding premarital sexual behavior.

Widyadhana, Kun Aulia; Kirana DP, Rina Tjandra

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2025 FEB Universitas Maritim Semarang

Organizational fraud represents a significant global challenge, with estimated annual losses of 5% of revenue, totaling approximately US$4.7 trillion worldwide. This systematic literature review examines whistleblowing effectiveness as a fraud detection mechanism, analyzing the tension between its role as a transparency pillar and the retaliatory risks faced by whistleblowers. The study employed a qualitative Systematic Literature Review methodology, analyzing 25 peer-reviewed articles published between 2020-2025 from SINTA, Scopus, and registered E-ISSN journals. Literature was selected using keywords related to whistleblowing effectiveness, fraud detection, transparency mechanisms, and retaliation risk. Results demonstrate that whistleblowing systems significantly enhance fraud detection and prevention across both public and private sectors, with 24 of 25 reviewed studies confirming positive impacts. Effectiveness is influenced by individual attitudes, perceived behavioral control, organizational commitment, professional commitment, moral reasoning, and organizational culture. The integration of whistleblowing with forensic and investigative audit mechanisms creates a mutually reinforcing fraud detection framework. However, retaliation risk remains a substantial challenge, potentially undermining whistleblowing effectiveness. The study concludes that organizations must develop comprehensive whistleblower protection frameworks, cultivate supportive organizational cultures, ensure transparent report handling processes, and leverage technology to guarantee anonymity. A balanced approach between promoting transparency through whistleblowing and protecting whistleblowers from retaliation is essential for maximizing fraud detection effectiveness. Organizations are advised to integrate whistleblowing into comprehensive anti-fraud strategies with adequate protection mechanisms and whistleblower incentives.

Abdul Majid; Suparmi Suparmi; Tri Hartini; Aslamiah Aslamiah; Celia Cinantya

Jurnal Riset Rumpun Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

This study aims to examine the application of situational leadership theory by the principal of SMP Negeri 2 Sampanahan, Kotabaru Regency, and its impact on organizational behavior within the school environment. A qualitative approach with a case study method was employed, involving in-depth interviews with the principal, teachers, and students. The main focus of the research is to understand how the principal adapts leadership styles according to the needs and conditions of the individuals being led. The findings reveal that the principal successfully applied various leadership styles—ranging from directive, supportive, participative, to delegative—flexibly based on the specific situations encountered. This adaptability positively influenced the organizational climate, fostered harmonious working relationships, and enhanced the motivation and active participation of both teachers and students. The school environment became more conducive and collaborative, ultimately leading to overall performance improvement. These findings highlight the importance of adaptive leadership in education to support the achievement of organizational goals and the development of human resources within schools. This study contributes to the development of leadership practices in educational settings, particularly in the context of educational management that is responsive to both internal and external institutional dynamics.

Erin Soleha; Trianto Trianto

Global Leadership Organizational Research in Management 2025 STIKes Ibnu Sina Ajibarang

Retirement represents a crucial period in the existence of every individual that requires careful financial planning. This study aims to examine the influence of partial financial literacy on pension fund planning for workers in Bekasi Regency and partial future orientation on pension fund planning for workers in Bekasi Regency. The research method employed involved a sample of 100 employees in Bekasi Regency.. The method employed for gathering data was a questionnaire. The collection of samples approach employs probability sampling through a staightforward random sampling technique. The analysis methods used were validity, reliability test, t-square and R-square test. The analysis tool used is PLS (Partial Least Square) where the processing uses Smart PLS 4.0 software. The study’s findings indicated that financial literacy did not influence pension fund planning  for workers in Bekasi Regency with a p value of 0.164, future orientation had a significant effect on pension fund planning for workers in Bekasi Regency with a p value of 0.000. The R Square value of the results of this study is 33.9%. This study is anticipated to deliver the  development of research knowledge in the field of financial science related to pension fund planning and for workers in Bekasi Regency may be utilized in an attempt to enhance pension fund planning. Advice for workers in Bekasi Regency to improve financial literacy, future orientation and education about the importance of pension fund planning. The more aware and motivated workers are about their financial needs in retirement, the more likely they are to plan for retirement well. It is anticipated for the upcoming researcher to delve deeper into alternative factors that affect pension fund planning, further increase the research sample and broaden the range od the research subject.

Ully Arta Silitonga; Nur Annisa Sawitri; Saniya Putri Ayu Febiolantika; Kerin Ari Chaniago; Ratna Sari Dewi

Jurnal Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

Based on various studies and studies, the LGBT phenomenon in Indonesia, especially in the Pekanbaru area, is still often viewed negatively because it is considered contrary to local social and cultural norms. Several factors that influence the emergence of LGBT sexual orientation include childhood experiences, the influence of the social environment, and conditions within the family. Psychological interventions such as group counseling with the Rational Emotive Behavior Therapy (REBT) approach combined with religious values, such as in Islamic counseling, have proven effective in reducing inner conflict, increasing the ability to manage emotions, and encouraging acceptance and self-confidence of LGBT individuals. This approach also helps replace irrational thought patterns and strengthens emotional resilience, although cultural and social challenges are still major obstacles. On the other hand, the importance of multicultural competence for professionals is also highly emphasized in dealing with issues related to LGBT and their emotional health. Education about sexuality and increasing public understanding of diversity are considered important to reduce stigma and discrimination against the LGBT community. Overall, the results of this study indicate the need for an appropriate psychological approach and educational efforts to create social acceptance and improve the welfare of LGBT individuals.    

Muhammad Akmansyah; Elsa Al Khansa; Herlina Herlina

Jurnal Riset Rumpun Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

Character education is an essential aspect of Islam in shaping individuals with noble morals. Hadith, especially those compiled in Arbain an-Nawawi, contains many moral values that can be applied in daily life. This study aims to identify moral values in Arbain an-Nawawi, analyze how to implement them in education, and examine the challenges and solutions in their application. This research uses content analysis to examine the hadiths in Arbain an-Nawawi.The findings reveal that the moral values in these hadiths fall into three main categories: (1) Morals toward Allah, such as sincerity (ikhlas) and trust in God (tawakal); (2) Morals toward others, such as honesty and compassion; and (3) Morals toward oneself, such as self-reflection and anger management. These values can be taught through exemplary behavior, habituation, self-reflection, and storytelling. However, there are several challenges in implementing hadith-based character education, such as a lack of understanding among educators regarding hadith, an education system that prioritizes academics over character development, and the influence of modern culture and technology. To address these challenges, teacher training, the strengthening of character-based curricula, and the use of technology as a learning medium are necessary. This study is expected to provide insights for the educational sector in strengthening students’ character based on Islamic teachings.    

Ni Made Gayatri Wulantari; I Gde Ary Wirajaya

International Journal of Economics, Management and Accounting 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The interest in choosing a career as a public accountant is driven by an understanding of job opportunities, good income prospects, professional recognition, and the alignment between individual abilities and the demands of the accounting profession. This study aims to analyze the factors of labor market considerations, soft skills, financial rewards, and social values on students' interest in working as public accountants. This research was conducted at five nationally ranked universities in Bali in 2024, based on uniRank, with a sample of 315 respondents determined using purposive sampling. This study proves that the theory of planned behavior can be a consideration in career choice determination and that expectancy theory can explain that students consider the outcomes they will receive in that career. Additionally, this research can positively contribute to universities in Bali by identifying the factors influencing students' interest in work, thereby improving the education system to be more focused on the choices or interests of each accounting student. The analysis results show that labor market considerations, soft skills, financial rewards, and social values have a significant positive impact on students' interest in becoming public accountants.  

Dhea Paramitha

Transformasi: Journal of Economics and Business Management 2025 Universitas 17 Agustus 1945 Semarang

PayLater services are increasingly popular as a payment method that offers ease of transactions and financial flexibility for its users. However, this convenience can also increase consumptive behavior that has the potential to affect individual financial stability. This study aims to analyze the impact of PayLater service on consumption interest and lifestyle of PT Tripatra employees. This research uses a quantitative approach with a survey method. Data was collected through questionnaires distributed to PT Tripatra employees who use PayLater services. Data analysis was performed with descriptive statistical tests and linear regression to measure the relationship between PayLater usage, consumption behavior, and financial stability. The results showed that the PayLater service provided significant benefits in the ease of transactions and increased employee purchasing power. However, there is a positive correlation between the use of this service and an increase in consumptive behavior, including impulse purchases. This has the potential to reduce individual financial stability in the long run, especially for those who lack good financial literacy. Uncontrolled use of PayLater services can increase financial risk. Therefore, awareness and good financial literacy are needed so that the benefits of this service can be optimized without causing negative impacts. As a recommendation, companies are advised to provide financial education to their customers. 

M. Fauzan Anshori; Suwignyo Widagdo; Diana Dwi Astuti

International Journal of Economics, Commerce, and Management 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Human Resource Management (HRM) is a strategic approach to managing the workforce within an organization, aiming to enhance both individual effectiveness and overall organizational performance. Job satisfaction plays a crucial role as a supplement for employees to maintain and carry out their jobs. When employees feel valued and heard, they tend to have higher intrinsic motivation, leading to improved performance. This research employs a quantitative approach with data collection techniques using questionnaires. The data analysis technique utilized is multiple regression analysis. The results of the study reveal that: Testing results indicate that discipline significantly affects the job satisfaction of employees at the Religious Affairs Office (KUA) in Banyuwangi Regency; Testing results indicate that the work environment significantly affects the job satisfaction of employees at the Religious Affairs Office (KUA) in Banyuwangi Regency; Testing results indicate that Organizational Citizenship Behavior (OCB) significantly affects the job satisfaction of employees at the Religious Affairs Office (KUA) in Banyuwangi Regency; Testing results indicate that discipline, work environment, and OCB collectively affect the job satisfaction of employees at the Religious Affairs Office (KUA) in Banyuwangi Regency. High discipline, supported by clear rules, can improve the job satisfaction of KUA employees in Banyuwangi Regency. Employees who feel comfortable in their workplace contribute to higher job satisfaction. Employees exhibiting strong OCB are more likely to experience greater job satisfaction. The synergy of high discipline, a conducive work environment, and strong OCB can significantly enhance the job satisfaction of KUA employees in Banyuwangi Regency.