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 research aims to determine the influence of the work environment and job satisfaction on turnover intention among CV employees. Sollu Citra Muslim. This research uses quantitative methods. The type of data used is primary data, with a research sample of 76 respondents from CV employees. Sollu Citra Muslim and uses the Proportional Random Sampling sampling technique. The data analysis tool used in this research is SPSS Version 25. Data collection techniques are interviews and questionnaires. The research results show that the Work Environment and Job Satisfaction simultaneously have a significant effect on Turnover Intention. The Work Environment partially has a negative and significant effect on Turnover Intention. Job Satisfaction partially has a negative and insignificant effect on Turnover Intention.Keywords: Work Environment, Job Satisfaction, Turnover Intention