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This study aims to analyze the influence of financial literacy, paylater usage, and income on the consumptive behavior of Generation Z in Indonesia. The background of this research is based on the increasing use of digital financial services, particularly paylater, and the growing trend of consumptive lifestyles among Generation Z, who are exposed to the convenience of technology and have relatively low financial control. The research uses a quantitative approach with descriptive and causal analysis. The population in this study consists of Generation Z in Indonesia aged 18–27 years who have income and have used paylater services. The sampling technique used was non-probability sampling with the purposive sampling method, and the sample size was 100 respondents. Data were collected using questionnaires and analyzed using SPSS version 26. The analysis included validity tests, reliability tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination (R²). The results indicate that financial literacy has a negative and significant effect on consumptive behavior, meaning that the higher the financial literacy, the lower the tendency to act consumptively. Conversely, paylater usage and income have a significant joint influence on Generation Z’s consumptive behavior.

Earnings quality refers to the accuracy of a company in presenting its earnings information. It reflects the quality of the company’s financial statements, indicating whether the reported earnings can be considered reliable or not. Earnings quality is influenced by several factors, one of which is the decision-making of the board of directors (CEO). The CEO is regarded as the most powerful individual within a company, exercising authority over corporate decisions, including the disclosure of financial information. In recent times, many women have taken on the role of CEO, and their presence is no longer underestimated. The purpose of this study is to provide empirical evidence on the effect of female CEO presence and CEO education on earnings quality. The research was conducted on all companies listed on the Indonesia Stock Exchange (IDX) for the 2019–2022 period. The sample size was determined using a saturated sampling method, resulting in 2,792 observations. Data were collected using a non-participant observation method, and the analysis technique employed was multiple linear regression analysis. The results of this study show that female CEO presence and CEO education have no significant relationship with earnings quality.

The food and beverage (F&B) industry in Indonesia has experienced rapid growth, particularly in the ice cream and frozen dessert subsector, marked by increasing sales and intensifying competition. This development requires businesses, including Mixue, to implement effective marketing strategies through the integration of digital and physical channels (Omnichannel Marketing), product assortment, and online customer reviews. This study employs a quantitative causal-associative approach using survey questionnaires analyzed with multiple linear regression to examine the influence of these variables on Mixue consumers’ purchase intention in Medan. The results indicate that Omnichannel Marketing and online customer reviews have a positive and significant effect on purchase intention, while product assortment has a positive but non-significant effect. The dominant indicator in purchase intention is exploratory interest, where consumers actively seek information and try new products. These findings emphasize that channel integration, information transparency, and product quality are key factors in enhancing consumer engagement and loyalty. Recommendations include strengthening omnichannel strategies, actively managing digital reviews, and innovating seasonal products to maintain purchase intention and expand market share.

This study aims to examine the effect of Return on Equity (ROE), Debt to Equity Ratio (DER), Current Ratio (CR), Total Asset Turnover (TATO), and Dividend Payout Ratio (DPR) on Price Book Value (PBV). The population of this research consists of food and beverage sub-sector companies listed on the Indonesia Stock Exchange during the 2020–2024 period. The sample was determined using a purposive sampling technique, resulting in 18 companies with a total of 90 data observations. This research employs a quantitative approach with secondary data. The analysis technique used is multiple linear regression. The findings indicate that Return on Equity (ROE) has a significant effect on Price Book Value (PBV), Debt to Equity Ratio (DER) also has a significant effect on Price Book Value (PBV), while Current Ratio (CR), Total Asset Turnover (TATO), and Dividend Payout Ratio (DPR) have no significant effect on Price Book Value (PBV).

Rheumatism in the elderly can cause chronic pain that affects the quality of sleep. One of the factors influencing the sleep pattern of elderly patients with rheumatism is the level of physical activity. Insufficient physical activity can worsen joint stiffness and increase sleep disturbances. This study aims to examine the effect of physical activity on sleep patterns in elderly rheumatism patients at the Sumber Pucung Elderly Posyandu, Malang Regency. This study is a quantitative study with an analytical correlational design using a cross-sectional approach. The population of this study consisted of all elderly rheumatism patients at the Sumber Pucung Elderly Posyandu, totaling 33 people. The sampling technique used was total sampling. The study was conducted from July 20 to 27, 2025. Data collection instruments used the Global Physical Activity Questionnaire (GPAQ) and the Pittsburgh Sleep Quality Index (PSQI) questionnaires. The results showed that most respondents (90.9%) had low physical activity and all respondents (100%) had poor sleep patterns. The simple linear regression test yielded a significance value of p = 0.479 (p > 0.05) and R Square = 0.016, indicating no significant effect of physical activity on sleep patterns. Based on these results, it is expected that elderly rheumatism patients can increase physical activity according to their abilities to help maintain sleep quality, and Posyandu officers can provide education and elderly exercise programs appropriate for rheumatism conditions.

This study aims to analyse the influence of digital products, brand awareness, and service quality on perceived branch performance in a financial institution in Indonesia. The research is motivated by the accelerating digital transformation in the country’s banking industry, which requires conventional financial institutions to innovate to remain competitive amid the growth of fintech and digital banks. The main problem addressed is how these three variables simultaneously and partially affect perceived branch performance. A quantitative approach was employed using survey techniques and questionnaires distributed to customers. Multiple linear regression analysis was used to process the data. The results reveal that digital products, brand awareness, and service quality significantly influence perceived branch performance, both individually and collectively. The coefficient of determination (R²) is 0.652, indicating that the three variables can explain 65.2% of the variance in perceived branch performance. These findings highlight the importance of integrating digital innovation, strong brand presence, and excellent service in improving competitiveness and branch performance in the digital era. The study contributes practical implications for financial institutions in formulating strategic improvements to maintain relevance and competitiveness amid digital disruption.

In the era of globalization and increasingly tight competition, employee performance is one of the determining factors for the success of public services and the implementation of government work programs. Therefore, the quality of human resources owned plays a very important role in supporting the success of the organization, including in the Bogor Regency Transportation Service environment. This study was conducted against the background of indications of problems in motivation and job training at the Bogor Regency Transportation Service Secretariat. This study uses associative statistical quantitative methods. Data were collected through questionnaires distributed to 40 respondents with total sampling techniques. Data analysis was carried out using SPSS software version 23, primary data collection through questionnaires and secondary data from journals and relevant scientific works. The data obtained were then analyzed through validity tests, reliability, multiple linear regression, T tests, F tests, and coefficient of determination tests. The results of the study showed that motivation has a significant positive effect on employee performance, with a t-count value of 3.988 and a significance of 0.000. And also, job training has a significant positive effect on employee performance, with a t-count value of 5.694 and a significance of 0.000. Simultaneously, motivation and work training together influence employee performance by 74.5%, while the remaining 25.5% is influenced by other variables not discussed in this study.

In the current era of globalization, Human resource companies play an important role in advancing business and improving employee performance in a relevant manner. Both superior and subordinate communication, and a clean work environment can affect employee performance. Employee performance is the quality of employee work in completing work that has been given by the company. One of the things that affects employee performance is the work environment and work discipline. The purpose of this study was to determine how far the influence of the work environment and work discipline on the performance of PT Kayu Permata employees. This study uses a descriptive quantitative research method, namely by using multiple linear regression analysis. The results of the study showed a value of  of 56.250 >  (3.140). So it is stated that the work environment and work discipline obtain a total of of 3.541 which is > from of 1.998 which means  is accepted and work discipline obtains of 5.778  > 1.998 so that  is accepted. Therefore, the work environment and work discipline greatly influence employee performance.  

This research aims to determine the effect of organizational support, work environment, and communication on employee performance at the Investment and One-Stop Integrated Services Office (DPM-PTSP) of Muaro Jambi Regency, both partially and simultaneously. The method used is quantitative analysis with a population and sample consisting of all 44 employees, determined through a saturated sampling technique. Data were collected using a Likert scale-based questionnaire, and the analysis was carried out using multiple linear regression with the help of SPSS software. The results of the study showed that (1) organizational support has a positive and significant effect on employee performance, (2) work environment has a positive and significant effect on employee performance, (3) communication has a positive and significant effect on employee performance, and (4) organizational support, work environment, and communication simultaneously have a positive and significant effect on employee performance. The recommendations/suggestions from this research are expected to improve employee performance by enhancing organizational support through fair task distribution, reward programs, and development opportunities; creating a comfortable and well- equipped work environment that encourages productivity; and strengthening effective communication between superiors and subordinates as well as among employees through regular meetings and discussion forums.

This study aims to determine the effect of interest rates and inflation on the profitability of property and real estate sector companies listed on the Indonesia Stock Exchange (IDX) during the period 2020-2024. Profitability is measured using the Return on Assets (ROA) ratio, while interest rates refer to the BI-7 Day Reverse Repo Rate and inflation is calculated based on the Consumer Price Index (CPI) data from Bank Indonesia. This study uses a quantitative approach with multiple linear regression analysis methods and classical assumption tests supported by data processing using SPSS version 27 software. The sample was selected using purposive sampling techniques with criteria of companies that consistently submit annual financial reports, do not record losses during the research period, and use the Rupiah currency. The research results indicate that partially, interest rates have a positive and significant effect on profitability, while inflation does not have a significant effect on profitability. However, simultaneously, interest rates and inflation together have a significant effect on the company's profitability. These findings are expected to serve as a strategic reference for companies in formulating financial policies to maintain profitability stability amidst macroeconomic dynamics.

The industrial sector plays a crucial role in driving Indonesia’s economic growth, yet it also faces challenges in optimizing capital structure and shareholder value. One key financial policy that reflects managerial decisions and investor perceptions is the dividend payout ratio, which may influence a firm’s cost of equity. This study aims to examine the effect of the dividend payout ratio on the cost of equity among industrial sector companies listed on the Indonesia Stock Exchange (IDX) during the 2020–2023 period. The research problem arises from inconsistent empirical evidence regarding whether higher dividend payments reduce or increase the cost of equity. Using a quantitative approach, secondary data were collected from annual financial reports, and samples were selected through purposive sampling, yielding 162 valid observations. Linear regression analysis was performed using EViews 13 software. The findings reveal a negative and statistically significant relationship between the dividend payout ratio and the cost of equity. The study concludes that higher dividend payouts can lower firms’ cost of equity, supporting the signaling theory.

In the digital era and global competition, employee performance is a key factor in enhancing the effectiveness of public services. Competence and job training are considered two important factors that can support improvements in employee performance within an institution. This research employs a quantitative approach with an associative method to identify correlations and impacts between variables. Data were collected through a questionnaire distributed to 40 respondents using total sampling technique. Data analysis was conducted using SPSS version 21 through validity tests, reliability tests, multiple linear regression, T - tests, F - tests, and the coefficient of determination. The results showed that competence has a positive and significant effect on employee performance, with a t - value of 2.461 and a significance of 0.19, and job training also has a positive and significant effect on employee performance, with a t - value of 7.006 and a significance of 0.000. Simultaneously, competency and job training together influence employee performance by 60.2% while the remaining 39.8% is influenced by factors not discussed in this research. Job training shows a more dominant influence compared to competency.

Work-life balance refers to a condition in which individuals are able to manage and allocate their time, energy, and attention proportionally between work demands and personal life. Performance is defined as the measurable outcomes achieved by individuals in carrying out their duties. This study aims to examine the effect of work-life balance on employee performance at the Secretariat of the Regional House of Representatives (DPRD) of Deli Serdang Regency. The proposed hypothesis states that there is a positive influence between work-life balance and employee performance. The study population consisted of 200 employees, and the sampling technique used was probability sampling, which provides equal opportunities for each member of the population to be selected. Based on the Yamane formula with a 10% error rate, a total of 67 respondents were obtained. Data were collected using a Likert-scale questionnaire, and the data were analyzed using a simple linear regression test. The results show a significance value of 0.000 < 0.05, indicating that the hypothesis is accepted. This means that work-life balance has a positive and significant effect on employee performance. The contribution of work-life balance to performance is 62.4%, while the remaining 37.6% is influenced by other factors.

This study aims to analyze the influence of product quality (X1), price (X2), and location (X3) on consumer satisfaction (Y) at UMKM Abon Farda Kediri. The research uses a quantitative approach with both primary and secondary data. The sample consists of 64 respondents, and the data were collected through questionnaires, literature reviews, and documentation. The analytical methods applied include Validity Test, Reliability Test, Classical Assumption Test, Multiple Linear Regression Analysis, t-test, F-test, and the Coefficient of Determination test. The results of the analysis show the multiple linear regression equation: Y = 5.464 + 0.297X1 + 0.280X2 + 0.165X3 + e. Based on the t-test, the product quality variable has a t-value of 2.132 with a significance level of 0.037, indicating a significant effect on consumer satisfaction. The price variable has a t-value of 2.284 with a significance level of 0.026, also showing a significant influence. However, the location variable records a t-value of 1.176 with a significance level of 0.244, meaning it does not significantly affect consumer satisfaction. The F-test results show an F-value of 8.223 with a significance level of 0.000, confirming that product quality, price, and location simultaneously have a significant effect on consumer satisfaction. Therefore, product quality and price play an important role in increasing consumer satisfaction at UMKM Abon Farda Kediri.

This study aims to analyze the influence of facilities and service quality on customer loyalty at Café Tepian Laut Merak. The research employed a quantitative approach with a total sample of 100 respondents selected using a purposive sampling technique. Data were collected through questionnaires distributed to customers who had visited the café. The data analysis was conducted using SPSS version 22, which included validity testing, reliability testing, classical assumption testing, partial linear regression analysis, and multiple linear regression analysis. The results showed that the facility variable (X1) had a positive and significant effect on customer loyalty (Y), indicating that better facilities contribute to higher customer loyalty. Likewise, the service variable (X2) also had a positive and significant effect on customer loyalty, suggesting that high-quality service enhances customer satisfaction and loyalty. Simultaneously, both facilities and service quality significantly influence customer loyalty at Café Tepian Laut Merak. These findings highlight the importance of improving both physical facilities and service quality as key strategies to maintain and increase customer loyalty in the competitive culinary business sector.

This study aims to determine the effect of work discipline and compensation on employee job satisfaction at the Bureau of Organization and Human Resources of the Ministry of Agriculture. This research is motivated by the importance of proper work discipline and compensation in increasing employee job satisfaction. The method used in this research is quantitative method with descriptive approach. The data collection technique was carried out through distributing questionnaires to 85 respondents who were employees of the agency. The data analysis technique uses validity, reliability, multiple linear regression, t test, f test, and the coefficient of determination. The results of this study obtained using the t test that work discipline partially has a positive and significant effect on employee job satisfaction with a significance result of 0.000 <0.05 and the t test results show Tcount 3.656> Ttable 1.989. Compensation partially has a positive and significant effect on employee job satisfaction with a significance result of 0.000 < 0.05 and the t test results show Tcount 7.066 > Ttable 1.989. Work discipline and compensation simultaneously have a positive and significant effect on employee job satisfaction with a significance result of 0.000 < 0.05 and the f test results show Fcount of 62.960> Ftable 3.11. The coefficient of determination test found that the two independent variables had an effect of 60.6% on employee job satisfaction.

This study aims to determine the contribution of the variables of Self-Motivation, Learning Discipline, and Parental Support both partially and simultaneously to student learning achievement in the Automotive Engineering expertise program at SMK Negeri 2 Pengasih. This type of research is included in quantitative correlational research with multiple regression analysis techniques. The entire population was sampled with a total of 104 grade XII students. Data collection used a closed questionnaire and student final exam results documents. The research instrument that has passed the validity and reliability test, then continued with the classical assumption test to ensure that the regression model meets the eligibility requirements. The results showed that the three independent variables contributed significantly to student automotive learning achievement with a value of F = 26.718. Simultaneously with a significance value of 0.000 (p <0.001) and an Adjusted R Square value of 0.428 which means the model is able to explain 42.8% of the variation in learning achievement. Partially, the Self-Motivation variable significantly (p<0.05) provides the largest contribution to student learning achievement with a t-value of 2.120 followed by Learning Discipline with a t-value of 1.992 and Parental Support with a t-value of 2.021. The magnitude of the real contribution of each variable, namely: Self-Motivation of 12.15%, Learning Discipline of 10.49%, and Parental Support of 10.24%. These results emphasize the importance of strengthening students' intrinsic motivation, habituating learning discipline, and active parental involvement to improve learning outcomes in vocational education.

This study aims to analyze the effect of liquidity, firm size, and capital structure on firm value in the banking sector listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. The background of this research lies in the crucial role of the banking sector in maintaining national economic stability and the need for investors to access financial information that accurately reflects a company’s value. Referring to signaling theory, financial reports are viewed as signals to investors regarding the firm’s prospects and performance. This study employs a quantitative method using secondary data from the annual financial reports of nine banks selected through purposive sampling, resulting in 45 observations. The independent variables include liquidity (Loan to Deposit Ratio), firm size (log of total assets), and capital structure (Debt to Equity Ratio), while the dependent variable is firm value measured by the Price to Book Value (PBV). Data analysis was conducted using panel data regression with SPSS. The results show that firm size has a significant positive effect on firm value, while liquidity and capital structure have no significant impact. Simultaneously, all three variables significantly affect firm value, with an Adjusted R² of 0.493. These findings highlight that effective asset management and optimal funding policies are key to enhancing the firm value of banking institutions in Indonesia.

This study discusses the effect of store atmosphere, service quality, and layout on purchasing decisions at Sambi Swalayan. This study uses quantitative methods with the aim of knowing the extent to which these three variables influence consumer decisions in making purchases. The research sample was obtained using the Accidental Sampling technique, which is a sampling technique based on chance, where the researcher chooses respondents who are accidentally encountered at the research location and deemed suitable for sampling. The number of respondents obtained in this study was 99 people. In data processing, researchers use several statistical analysis techniques, including validity and reliability tests to test the accuracy and consistency of research instruments. In addition, a classical assumption test was carried out to ensure that the data met the requirements for regression analysis, then continued with multiple linear regression analysis to determine the relationship and influence between variables. The coefficient of determination (R²) is used to see how much the independent variable contributes to the dependent variable, while the t test and f test are used to test the effect partially and simultaneously.The results showed that the store atmosphere had a significant effect on purchasing decisions with a sig value. 0,000 < 0,05. Conversely, service quality has no significant effect because the sig value. 0,383 > 0,05. However, store layout has a significant influence on purchasing decisions with a sig value. 0,000 < 0,05. Simultaneously, the three variables have a significant effect on purchasing decisions at Sambi Swalayan with a sig value. 0,000 < 0,05.

This research is an empirical study that aims to examine the influence of a number of financial indicators on company value in the construction and building subsectors listed on the Indonesia Stock Exchange (IDX) during the 2019–2023 period. The indicators analyzed include profitability, free cash flow (FCF), and leverage. This study uses a purposive sampling approach involving 9 issuers and produces 45 observation data. The analysis method used is multiple linear regression to test the relationship between independent variables and company value as measured by Price to Book Value (PBV). The results of the study show that the performance of Return on Assets (ROA) as well as the Debt to Asset Ratio (DAR) and Debt to Equity Ratio (DER) ratios have a significant effect on increasing the company's value. In contrast, other indicators such as Net Profit Margin (NPM), Free Cash Flow (FCF), and Long-Term Debt to Equity Ratio (LTDtER) did not show a significant influence. These findings indicate that investors prioritize capital utilization efficiency and sound funding structures in assessing the value of a company, compared to free cash flow or net profit margins. This research provides important implications for company management and investors in formulating financial strategies that are oriented towards increasing the company's value in a sustainable manner.