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This research aims to examine the influence of hedonistic style, spiritual intelligence, and financial literacy on students' personal financial management   at   the   Faculty   of   Economics,    Indonesian   Christian University,  Toraja.  This  research  utilizes  quantitative  methodologies. There  are 1,845  students  enrolled  in the Faculty  of Economics  at the Indonesian Christian University Toraja. The Slovin formula was applied to 95 individuals as research samples. Primary data and secondary data are the types of data that are used, and the SPSS version 25 program is used to manage them. Questionnaires  utilizing the probability sampling approach, proportionate  stratified random sampling, are among the data collecting methods. This research employs instrument test, classical assumption test, multiple linear regression analysis, and hypothesis testing as data analysis approaches. At a significance level of 5%, the results of the  study  indicated  that  financial  literacy  did  not  have  a  significant positive influence on the personal financial management of students, whereas the hedonistic  style variable had a positive but non-significant effect. Spiritual intelligence has a beneficial and significant impact on the financial management of pupils. Styles of hedonism, spiritual intelligence, and financial literacy all have positive and significant effects on personal financial management, as evidenced by the estimated F value of 32.210, which is more than the F table value of 2.705 and has a significance level of 0.000 less than 0.05.

The purpose of this study is to determine whether environmental awareness, green product advertising, environmental knowledge, and green buy intention can affect each other as well as whether Makassar residents' environmental knowledge is influenced by their intentions to make green purchases. Descriptive research methodologies are used in this study. Data from samples in Makassar were also gathered by researchers via an online survey method. Makassar population sampling is made easier with the use of the probability sampling technique. The study's findings indicated that while environmental knowledge had a positive and significant impact on green purchase intention, green purchase intention had a positive and significant impact on environmental knowledge, and environmental awareness and green product advertising had a positive but not statistically significant effect on green purchase intention. The restricted sample size of 164 respondents resulting from time constraints during the research process is the research's main weakness.

The invention of electronic wallets, or "E-wallets," is the outcome of fintech's expansion. An indication that more people are beginning to use digital wallets for everyday transactions is the rise in electronic money transfers. In order to ascertain the variables influencing engineering students' intents to utilize digital wallets, this study used a quantitative methodology. This study's population and sample consisted of engineering students in Indonesia that utilize digital wallets. The sample was drawn using a probability sampling approach called simple random sampling, which was successful in gathering up to 266 respondents, and an analysis method that made use of SPSS. The study's findings demonstrate how interest in utilizing digital wallets is influenced by perceived utility and convenience. In this study, however, interest in using digital wallets is unaffected by risk perception.

This study aims to determine and analyze the effect of competence and work motivation on employee performance. In this study, the population used was 1,000 employees of the production division of PT. Samkyung Jaya Garment Ungaran which consists of 554 female workers and 446 male workers. The number of samples used were 91 respondents with probability sampling technique. Methods of data collection using questionnaires and literature study. The research analysis used multiple linear regression analysis. The results showed that competence had a positive and significant effect on employee performance. This result shows that if competence is improved, it will be followed by an increase in employee performance. Work motivation has a positive and significant impact on employee performance. This result shows that if work motivation is increased, it will be followed by an increase in employee performance.