This study aims to determine the effect of financial literacy and financial self-efficacy on risky credit behavior in using paylater (survey of students in tasikmalaya city). The method used in this research is a quantitative method through a survey approach. With a research sample of 100 students in Tasikmalaya City who use PayLater. The data used is using primary data. The analytical tool used in this research is multiple regression using SPSS 26.0. The results showed that financial literacy has a good assessment classification, financial self-efficacy has a good assessment and risky credit behavior has a good assessment classification for students in Tasikmalaya City who use PayLater. Simultaneously financial literacy and financial self-efficacy have a significant influence on risky credit behavior. Partially, financial literacy does not have a significant effect on risky credit behavior and financial self-efficacy has a significant effect on risky credit behavior in students in Tasikmalaya City who use PayLater.
 

This study aims to determine the simultaneous and partial effect of Leadership Style and Work Discipline on Employee Performance at the Tea Factory of PT. Sumatra Toba Wangi. The research method used in this study is to use a quantitative research method with a questionnaire. The population in this study were employees of the Tea Factory of PT. Sumatra Toba Wangi as many as 50 employees. The type of data used in this study is primary data obtained through questionnaires. The data testing technique used in this study uses the validity test, reliability test and classic assumption test. Data analysis in this study used multiple regression analysis using SPSS software version 25. The results showed that Leadership Style and Work Discipline simultaneously had a significant effect on Employee Performance at the Tea Factory of PT. Sumatra Toba Wangi. Leadership Style partially has a significant effect on Employee Performance at the Tea Factory of PT. Sumatra Toba Wangi. Work Discipline partially has a significant effect on Employee Performance at the Tea Factory of PT. Sumatra Toba Wangi.