InJBM : Integrated Research Journal of Business and Management
InJBM: Integrated Research Journal of Business & Management invites researchers, academicians, and practitioners of business and management to submit research-based manuscripts on various themes, topics, and aspects of management and business, including (but not limited) to the following topics: • Marketing Management • Financial and Banking Management • Human Resources Management • Operation Management & Management of Information Systems • Sharia Management • E-Business • International Business • Business Ethics and Sustainability • Entrepreneurship Journal Title : Integrated Research Journal of Business and Management Initials : InJBM Frequency : (June and December) E-ISSN : 3063-4814 Chief Editor : Susnaningsih Muat DOI Prefix : Publisher : Faculty of Economics and Social Sciences, Sultan Syarif Kasim State Islamic University, Riau Indexed by : (ICI) Index Copernicus International
Faculty of Economics and Social Sciences, Sultan Syarif Kasim State Islamic University, Riau
Faith and Finance in Harmony: The Role of Spiritual and Religious Values in Driving Intention to Use Sharia Insurance
Research aims: Despite Indonesia being the country with the largest Muslim population, participation in Sharia insurance remains relatively low, indicating a gap between religious values and actual financial behavior. This study aims to analyze the factors influencing students’ intention to use Sharia insurance, with a particular focus on perceived taqwa value, spiritual risk aversion, religio-financial literacy, religious social norms, and trust in Sharia governance as a mediating variable. Design/Methodology/Approach: This study employs a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected through questionnaires distributed to 148 university students and analyzed to examine both direct and indirect relationships among the proposed variables. Research findings: The results show that perceived taqwa value has a significant positive effect on intention to use Sharia insurance (β = 0.542, p < 0.01). In contrast, spiritual risk aversion, religio-financial literacy, and trust in Sharia governance do not directly influence intention. Religious social norms show a marginal effect on intention, while practical financial factors and lack of actual experience emerge as the main barriers preventing students from translating religious motivation into concrete participation. Theoretical Contribution/Originality: This study extends the Theory of Planned Behavior by incorporating spiritual and religio-financial constructs, highlighting the distinctive role of perceived taqwa value in shaping intention toward Sharia insurance among young Muslim consumers. Practical/Policy/Social Implications: Sharia insurance providers should emphasize spiritual alignment and religious values in their communication strategies while developing affordable products, such as micro-takaful schemes, to accommodate young consumers with limited financial capacity. Research Limitations/Implications: The study is limited by its student-based sample, cross-sectional design, and the exclusion of economic capability variables, indicating the need for future research involving diverse income groups and longitudinal approaches.
Copyright (c) 2026 InJBM : Integrated Research Journal of Business and Management
Understanding Financial Behavior among Millenials in Dumai City: The Role of Digital Payments, Financial Literacy, and Self-Control
Research aims: The development of digital financial technology has driven changes in people's behavior in conducting financial transactions, particularly through the use of digital payments. Millennials, as the group most adaptable to digital technology, are the primary users of cashless payment services. This study aims to analyze the influence of digital payment usage, financial literacy, and self-control on the financial behavior of millennials in Dumai City. Design/Methodology/Approach: This study uses a quantitative approach with a survey method. The sample size in this study was 216 respondents selected using purposive sampling, with the criteria being millennials who actively use digital payment services. The research data was analyzed using SPSS V. 25 through descriptive statistical analysis, classical assumption testing, and multiple linear regression analysis. Research findings: The results show that the use of digital payments, financial literacy, and self-control have a positive and significant effect on the financial behavior of millennials. Simultaneously, these three independent variables explain 65.0% of the variation in financial behavior, while the rest is influenced by other factors outside the research model. These findings indicate that financial behavior is influenced by a combination of technological factors, financial knowledge, and individual psychological aspects. Theoretical Contribution/Originality: The theoretical ontribution of this study lies in strengthening behavioral finance studies by integrating the factors of digital financial technology, financial literacy, and self-control into a single analysis model. This study makes a new contribution by testing these three variables simultaneously in the context of the millennial generation at the regional level, which is still relatively limited in the literature on finance and consumer behavior. Practical/Policy/Social Implications: The findings of this study indicate that improving the financial behavior of the millennial generation depends not only on the adoption of digital payment technology, but also on the level of financial literacy and self-control. Therefore, local governments, financial institutions, and digital payment service providers need to design financial literacy education programs, encourage the wise use of digital payments, and strengthen awareness of self-control in transactions in the digital era. Research Limitations/Implications: This study has limitations in terms of its scope, which focuses only on the city of Dumai, and its use of limited variables, namely digital payment, financial literacy, and self-control. Future studies are recommended to expand the scope of research, increase the number of respondents, and include other variables such as income, lifestyle, and social environment in order to gain a more comprehensive understanding of financial behavior.
The Effect of Liquidity, Leverage, and Profitability on Financial Distress in Banks Listed on the Indonesia Stock Exchange 2021–2024
Research aims: This study aims to examine and analyze the effects of liquidity, leverage, and profitability on banking financial distress, measured using a multi-ratio indicator approach, among banks listed on the Indonesia Stock Exchange during the 2021–2024 period. Design/Methodology/Approach: This research employs a quantitative associative approach using multiple linear regression analysis. The sample consists of banks selected through purposive sampling, namely those that consistently published complete annual financial reports during the observation period. The final dataset comprises 28 panel-year observations. Financial distress is proxied using a composite indicator reflecting liquidity, leverage, and profitability conditions. Research findings: The empirical results indicate that liquidity has a positive and statistically significant effect on financial distress, suggesting that excessive liquidity may increase inefficiencies and stress. Leverage shows a negative and significant effect, implying that an optimal capital structure can mitigate distress risk. Profitability, however, does not exhibit a significant effect on financial distress. Simultaneously, liquidity, leverage, and profitability significantly affect financial distress, as indicated by an F-statistic significance value of 0.023. The model demonstrates strong explanatory power with an R² value of 0.675. Theoretical Contribution/Originality: This study contributes to the banking and financial distress literature by reinforcing the relevance of a multi-ratio framework rather than relying on single indicators. It provides empirical evidence from the Indonesian banking sector during the interest-rate normalization period, highlighting how the interaction among liquidity, leverage, and profitability better captures bank vulnerability. Practical/Policy/Social Implications: From a managerial perspective, the findings suggest that bank management should carefully balance liquidity buffers to comply with regulatory standards such as LCR and NSFR without maintaining excessive idle funds. Strengthening asset–liability management and optimizing funding and capitalization structures are essential to sustaining bank stability and profitability. Research Limitations/Implications: This study is limited by its relatively small sample size and observation period, which may restrict generalizability.
Factors Influencing Customer Satisfaction and Loyalty in the Hijab Fashion Industry: A Study of Buttonscarves in Pekanbaru
Research aims :This study aims to determine the effect of logo, price, and hedonic value on customer satisfaction and loyalty of Buttonscarves Hijab Users at Buttonscarves Living World Pekanbaru Store. Design/Methodology/Approach : The sample in this study amounted to 100 respondents with a non-probability sampling method and the sampling technique used purposive sampling, namely consumers who have bought more than two Button scarves products at the Living World Pekanbaru Buttonscarves Store. Research findings : The results of the study explain that the logo variable (X1) has no effect on consumer satisfaction (Y1), price (X2) and hedonic value (X3) affect consumer satisfaction (Y1), and consumer satisfaction (Y1) affects consumer loyalty (Y2). Theoretical Contribution/Originality : This research emphasises that in a competitive market in the modest fashion industry, logo, price, and hedonic value are correlated with satisfaction in purchasing premium hijab which ultimately creates customer loyalty. In the context of Buttonscarves, hedonic value and the iconic ‘B’ logo become symbolic elements that increase prestige and exclusivity, for consumers price is no longer just an economic value, but a symbol of style and self-aspiration. Practical/Policy/Social Implications : Buttonscarves products must maintain visual consistency, symbol uniqueness, and logo placement as elements of consumer pride. Buttonscarves products are not only about fashion, but also as a medium of self-expression and social status for modern Muslim women. This aims to enhance the image of women who wear hijabs as empowered, modern, and confident figures. Research Limitations/Implications : The results of this study indicate that the logo variable does not have a significant effect on consumer satisfaction and loyalty, given that Buttonscarves consumers are a premium segment with an aspirational lifestyle, so that the logo is not the main factor determining satisfaction, but rather the social context and user experience. It is hoped that further research can examine the mediating or moderating role of variables such as social status, community influence, or the impact of digital campaigns and influencers
Logo, Price, Hedonic Value, Customer Satisfaction, Loyalty
How Does Workload and Job Satisfaction Affect Employee Performance?
Excessive workload will cause dissatisfaction with work and have an impact on employee performance. The purpose of this study is to determine the effect of workload on performance and job satisfaction and the effect of job satisfaction on performance. The methodology used in this study is quantitative with SEM-Smart PLS analysis tool. The study was conducted on 130 employees with a stratified random sampling procedure The results showed that there was a significant positive influence of workload on performance and job satisfaction and a significant positive influence of job satisfaction on performance. Theoretically, workload should be used as the basis for theory and measurement in measuring job satisfaction and employee performance. Practically, it is expected that companies in providing work are accompanied by the ability of employees. The limitation of this study lies in the respondents lack of understanding in understanding the statements in the questionnaire which can affect the validity of the answers.
Workload, Job Satisfaction and Performance
The Influence of Financial Literacy, Parental Income, Hedonistic Lifestyle and Self-Control on Student Financial Management Behavior in Pekanbaru City
Research aims: This study aims to determine the effect of financial literacy, parental income, hedonic lifestyle and self-control on the financial management behavior of students in Pekanbaru City. Design/Methodology/Approach: This type of research is quantitative descriptive research with a total sample of 82 respondents in students in Pekanbaru City. Data collection was carried out by distributing questionnaires (google form) online with a Likert scale. In the data analysis process using SEM-PLS software. Research findings: The results of this study indicate that financial literacy, hedonic lifestyle, and self-control do not have a significant influence on the financial management behavior of students in Pekanbaru City. Meanwhile, parental income has a significant influence on the financial management behavior of students in Pekanbaru City. The Determination Coefficient (R2) with a value of 0.155 or 15.5% indicates that financial management behavior is influenced by financial literacy, parental income, hedonic lifestyle and self-control by 15.5%. Theoretical Contribution/Originality: This study contributes to the development of theoriesnon college students’ financial behavior by simultaneously examining financial literacy, parental income, hedonic lifestyle, and self-control in the context of college students in Pekanbaru. The finding that parental income has no significant effect is an interesting original poin. Practical/Policy/Social Implications: The research findings can serve as a reference for universities and policymakers to improve financial literacy and self-control education for students. Sosially it can foster awareness of the importance of responsible financial management from an early age. Research Limitations/Implications: The study was limited to a small sample size and online data collection. Future research is recommended to expand the scope, increase the sample size, an consider other variables such as financial attitudes or peer influence.
Copyright (c) 2025 InJBM : Integrated Research Journal of Business and Management
How Financial Behavior Relates to Financial Satisfaction of Gen Z?
Research aims: To determine the influence of financial knowledge and hedonistic lifestyle on financial satisfaction through financial behavior as a mediating variable among Millennial Generations In Pekanbaru Design/Methodology/Approach: Primary data obtained from questionnaires. This study consisted of 150 sample respondents. The sampling method used was purposive sampling, and analyzed using the SmartPLS 4 application. Research findings: The results of this study indicate that the variables of financial knowledge, hedonistic lifestyle and financial behavior have a positive and significant effect on financial satisfaction. Financial knowledge and hedonistic lifestyle have a positive and significant effect on financial behavior. Financial behavior mediates the relationship between financial knowledge and lifestyle on financial satisfaction. Theoretical Contribution/Originality: Financial satisfaction refers to several theories, namely the theory of planned behavior, subjective well-being, financial satisfaction, financial behavior, financial literacy, financial knowledge and hedonistic lifestyle. Practical/Policy/Social Implications: To achieve financial satisfaction, financial knowledge is very important in increasing awareness of applying good financial practices because it can control a hedonistic lifestyle and encourage healthy financial behavior. Research Limitations/Implications: This study has a weakness, namely that in the results of this study all independent variables have a small influence on the dependent variable. It is expected that research on financial satisfaction can reconsider the determination of variables and the addition of research samples.
Financial Knowledge, Hedonistic Lifesyle, Financial Satisfaction and Financial Behaviour
The The Influence of Facility Completeness, Learning Motivation, and Self-Confidence on The Academic Achievement of Management Students at The State Islamic Univiercity of Sultan Syarif Kasim Riau
Research Aims: This study aims to examine the influence of facility completeness, learning motivation, and self-confidence significantly affect. Design/Methodology/Approach: This study used an explanatory method with a sample size of 119 respondents based on G-Power software. Data were analyzed using Structural Equation Modeling (SEM) – Partial Least Squares (PLS) version 4.0. Research Findings: The results showed that learning motivation and self-confidence significantly affect academic achievement, while facility completeness has no significant effect. These findings suggest that internal factors, such as psychological and emotional readiness, may play a more crucial role than external infrastructural support in determining academic success. Theoritical Contribution/Originality: This study contributes to the literature by reinforcing the importance of psychological factors—especially learning motivation and self-confidence—in academic success. It also offers a different perspective from previous studies that heavily emphasized infrastructure. Practical/Policy/Social Implications: The findings provide actionable insights for universities and faculties. Rather than only investing in physical infrastructure, educational institutions should also focus on designing programs and interventions that foster student motivation and self-confidence, such as mentoring programs, motivational seminars, and personalized academic support. Research Limitations/Implications: The research is limited to one department in one university; future studies should involve multiple institutions for broader generalization. Future studies could broaden the scope by including multiple institutions and diverse academic programs.
Academic Achievement, Completeness of Facilities, Learning Motivation, and Self-Confidence
Brewing Choices: How Brand Identity, Health Awareness, and Promotion Drive Purchase Decisions of Lamaza Gambir Leaf Tea
Abstract Research aims: Along with changes in people's consumption patterns towards a healthier direction, herbal-based products are increasingly in demand as a natural and healthy alternative choice. This research aims to determine the influence of brand Identity, health awareness, and promotion on the purchase decision of Lamaza Gambir Leaf Tea in Limapuluh Kota Regency, West Sumatra. Design/Methodology/Approach: The total sample in this study was 96 respondents who were selected using the purposive sampling method. The data was analyzed using the SPSS V.25 program. Research findings: The results show that brand Identity, health awareness, and promotion have a positive and significant effect on the purchase decision of Lamaza Gambir Leaf Tea. Brand Identity, health awareness, and promotion variables as a whole have an influence of 76.5% on the purchase decision. Theoretical Contribution/Originality: The theoretical contribution of this study lies in strengthening the understanding of consumer behavior in the context of local herbal beverage products, especially Lamaza Gambir Leaf Tea. This study provides a new contribution by integrating three variables into one analysis model for traditional plant-based products, which are still rarely discussed in the marketing literature. Practical/Policy/Social Implications: The finding that brand identity, health awareness, and promotion have a significant influence on purchasing decisions indicates that Lamaza Gambir Leaf Tea producers need to emphasize these three aspects in their marketing strategies. Research Limitations/Implications: To increase consumer appeal, producers should strengthen brand image, educate consumers about the health benefits of gambir tea, and run intensive and targeted promotions. The limitations of this study are the limited number of samples and variables.
How Financial Knowledge, Experience, and Attitude Shape Financial Behavior of Micro, Small, and Medium Enterprises’ Owners in Pekanbaru?
Research purposes This study aims to analyze how financial knowledge, experience, and attitudes influence the financial behavior of micro, small, and medium enterprise owners (MSME owners) in the food and beverage sector in Pekanbaru City. Given the importance of good financial management for the sustainability of small businesses, this study seeks to explain the factors that encourage wise financial behavior. Design/Methodology/Approach: This study uses a quantitative approach using a survey method. Data was collected through questionnaires, which were distributed online to 239 food and beverage MSME owners in Pekanbaru. Data analysis was carried out using SPSS and SmartPLS 4 with the Structural Equation Modeling (SEM-PLS) approach. Research findings: The results of the study show that financial knowledge, experience, and attitudes have a positive and significant effect on the financial behavior of MSME actors. This confirms that good financial literacy and attitudes are important for making healthy financial decisions. Theoretical Contribution/Originality: This study expands the study of MSME owners’ financial behavior by integrating three main psychological variables (knowledge, experience, and attitude). This finding strengthens the study using the Theory of Planned Behavior and provides a new empirical basis in the context of food and beverage MSMEs in developing areas. Practical/Policy/Social Implications: These findings can be used by the government, financial institutions, and industry players to design financial literacy and training programs for MSMEs so that they are able to make wise financial decisions and avoid financial risks. Research Limitations/Implications: This study is limited to MSME actors in the food and beverage sector in Pekanbaru, so it does not cover all sectors or regions. Further research is expected to cover other MSME sectors and consider external factors such as technology support and access to financing.
The The Influence of Competence on the Performance of Medical Personnel with Work Motivation as an Intervening Variable at the Kotabaru Health Center UPT, Keritang District, Indragiri Hilir
Abstrak Tujuan Penelitian : Tujuan penelitian ini adalah untuk mengetahui pengaruh kompetensi terhadap kinerja melalui motivasi kerja sebagai variabel mediasi. Penelitian ini dilakukan di UPT Puskesmas Kotabaru Kecamatan Keritang Indragiri Hilir yang berlokasi di Jl. Ahmad Yani, Desa Kotabaru, Kecamatan Kotabaru Seberida, Kecamatan Keritang, Kabupaten Indragiri Hilir, Riau. Desain/Metodologi/Pendekatan : Sampel dalam penelitian ini berjumlah 52 orang dengan menggunakan teknik sampling jenuh. Temuan penelitian : Hasil penelitian menjelaskan bahwa variabel kompetensi (X) berpengaruh signifikan terhadap variabel kinerja (Y), kompetensi (X) melalui motivasi kerja (Z) tidak berpengaruh signifikan terhadap kinerja (Y), dan motivasi kerja (Z) berpengaruh signifikan terhadap variabel kinerja (Y). Kontribusi Teoritis/Orisinalitas : Penelitian ini menekankan bahwa kompetensi dapat meningkatkan kinerja pada Institusi UPT Puskesmas Kotabaru, selain itu masih diperlukan peningkatan kualitas motivasi kerja dalam rangka meningkatkan kinerja tenaga medis di UPT Puskesmas Kotabaru Kecamatan Keritang Kabupaten Indragiri Hilir. Implikasi Praktis/Kebijakan/Sosial : Penelitian ini menggunakan teknik sampel jenuh. Hasil penelitian menunjukkan bahwa variabel kompetensi (X) mempunyai pengaruh yang signifikan terhadap variabel kinerja (Y), kompetensi (X) melalui motivasi kerja (Z) tidak mempunyai pengaruh yang signifikan terhadap variabel kinerja (Y), dan motivasi kerja (Z) mempunyai pengaruh yang signifikan terhadap variabel kinerja (Y). Keterbatasan/Implikasi Penelitian : Penelitian ini hanya mengkaji variabel kompetensi (X) yang mempunyai pengaruh signifikan terhadap variabel kinerja (Y), kompetensi (X) melalui motivasi kerja (Z) tidak mempunyai pengaruh signifikan terhadap kinerja (Y), dan motivasi kerja (Z) mempunyai pengaruh signifikan terhadap variabel kinerja (Y). Kesimpulan yang diambil hanya berdasarkan analisis data yang diperoleh, sehingga diharapkan adanya penelitian lebih lanjut tentang pengaruh kualitas pelayanan terhadap kepuasan pasien dengan metode penelitian yang berbeda, sampel yang lebih luas, serta penggunaan instrumen penelitian yang berbeda dan lebih lengkap.
Competence, Performance, Work Motivation
Copyright (c) 2024 InJBM : Integrated Research Journal of Business and Management
The Influence of Financial Literacy, Motivation and Herding on Investment Decisions at Investment Gallery IDX
Abstrak Research aims : To determine the influence of financial literacy, motivation and herding on investment decisions at Investment Gallery IDX Design/Methodology/Approach: Primary data obtained from questionnaires, as well as secondary data obtained from the Financial Services Authority are combined to answer the reseach objective. This research consists of 120 sample respondents. The sampling method used was purposive sampling, and analyzed using the SPSS 26 application Theoretical Contribution/Originality : Investment decision-making refers to several theories and must be integrated with overall management theories, including herding theory and motivation so that the returns obtained from investment results will be effective. Research Findings: The results of this research show that financial literacy, motivation and herding have a positive and significant effect on investment decisions at GI (Investment Gallery) BEI FEIS Sultan Syarif Kasim State Islamic University Riau Practical/Policy/Social: In investing, financial literacy is very important for students so that students start learning to use their money and know the benefits of investing forthefuture. Research Limtations/Implications : This study has a weakness, namely that in the results of this study all the independent variables have a verylow influene on dependent variables. It is hoped that research on investment decisions can reconsider the determination of variables
Financial Literacy, Motivation, Herding and Investment Decision
Tapping into the Future: What Drives Generation Z to Adopt Digital Payments?
Research aims: Gen Z tends to be early adopters of technology, and by understanding what motivates them to adopt digital payments, businesses and financial institutions can innovate and develop products that better cater to their needs and preferences, which can lead to the development of more user-friendly and secure payment solutions. The study aims to empirically test the factors determining intention to adopt digital payment among Zillennial or Generation Z who use e-wallet Design/Methodology/Approach: Using a convenience sampling technique, an online survey was conducted to collect data from Gen Z living in 15 districts in Pekanbaru, yielding 220 usable responses that were analyzed using Partial Least Square Structural Equation Modelling. Research findings: The study findings highlighted that perceived usefulness, perceived ease of use, and trust have a significant positive effect on Gen Z’s intention to adopt digital payment. However, social influence does not show a significant impact. Theoretical Contribution/Originality: This study’s findings contribute to the literature by examining the determinants of intention to adopt digital payment by utilizing the Technology Acceptance Model (TAM) as underpinning theory. Specifically, this study provides new insight into determinants of intention to adopt digital payment among Gen Z, who have a deeply intertwined relationship with technology, characterized by an almost innate understanding and reliance on digital tools and platforms. Practical/Policy/Social Implications: Gen Z tends to be early adopters of technology, and by understanding what motivates them to adopt digital payments, businesses and financial institutions can innovate and develop products that better cater to their needs and preferences, which can lead to the development of more user-friendly and secure payment solutions. Research Limitations/Implications: The first limitation is this study focus only on Gen Z and left other cohort unexamine. Studies across cohorts could provide more significant insights into determining factors of digital financial services adoption across generations. Furthermore, this cross-sectional study was conducted at a specific time, so the causal relationships could not be established. Hence, researchers in the future may employ a longitudinal strategy to analyze changes in the intention to adopt technology and their effects across time, and might broaden the sample to include different cohorts.
Intention to adopt digital payment, Technology Acceptance Model, Perceived Usefulness, Perceived Ease of Use, Social Influence, Trust
Do Personality Traits And Gender Of Investors Determine Their Risk Tolerance? A Study On Investors Of Indonesian
Abstract Research aims: To examine the influence of personality traits consisting of openness to experience, conscientiousness, extraversion, greeableness, neuriticism on financial risk tolerance of investors in Indonesia. In addition, this study also aims to examine the influence of gender on financial risk tolerance. Design/Methodology/Approach: The pre-tested questionnaire was used to collect information from 434 respondents. With risk tolerance as the dependent variable with two categories, namely low and high, and five personality traits as independent variables tested by regression. for testing gender on risk tolerance using probit logistic regression. Research findings: The results of research obtained from 434 investors in Indonesia who filled out an online questionnaire, showed that the higher an investor's openness to experience personality, the higher the investor's opportunity to be tolerant of risk, and the higher an investor's neuriticism personality, the lower the investor's opportunity to be tolerant of risk. This research also found that men proved to be more tolerant of risk than women. Theoretical Contribution/Originality: This study is evidence that investors are also human beings who cannot be completely rational and need to be approached behaviorally and psychologically to enrich the results of research and theory development in the field of finance. In addition, this study also provides evidence that the level of risk tolerance between men and women is also different. Practical/Policy/Social Implications: The results of this study can help wealth managers in determining risk parameters to formulating investment recommendations that are appropriate and they like based on each person's personality traits, and can help the IDX, the Government, and other related parties to continue to improve educational programs for the Indonesian people, especially for women, so that it can reduce the level of fear of the community in investing in the capital market. Research Limitations/Implications: This study has several limitations, namely this study only tests the direct influence of personality traits and gender on risk tolerance. because the number of male and female respondents obtained is very different so that researchers only test the influence of gender between men and women on risk tolerance. It is hoped that further research can examine gender by conducting a split sample to see the difference in the influence of personality traits between men and women on risk tolerance. Keywords: Openess to experience, Conscientiousness, Extraversion, Agreeableness, Neuroticism, Gender, and risk Tolerance
Openess to experience, Conscientiousness, Extraversion, Agreeableness, Neuroticism, Gender, and risk Tolerance
The Relationship between Mental Health, Healthy Lifestyle Behaviours, and Achievement Motivation on Academic Performance of College Students in Solo Raya
Abstract Research aims: This research investigates how mental health, lifestyle habits, and motivational drives toward academic success are interconnected with the academic outcomes of university students in the Solo Raya region. Design/Methodology/Approach: A sample of 246 students from Raden Mas Said State Islamic University of Surakarta, Sebelas Maret University, and Muhammadiyah University of Surakarta was selected using cluster random sampling, with data analyzed using Smart PLS 3. Research findings: The results indicate an R-squared value of 79.4%. Mental health is positively and significantly related to students' academic performance. Healthy lifestyle behaviors are also positively and significantly associated with academic performance. Furthermore, achievement motivation has a positive and significant influence on students' academic performance. Theoretical Contribution/Originality: This study emphasizes the importance of academic success and suggests that mental health, lifestyle habits, and motivational drives are critical factors influencing students' academic outcomes. By exploring these variables within the context of university students in Solo Raya, this research provides insights that challenge conventional approaches to understanding academic performance. Practical/Policy/Social Implications: The study recommends that universities implement programs to support the development of achievement motivation, such as motivational seminars, counseling, and mental health support. These programs can assist students in overcoming obstacles, focusing on goals, and enhancing academic performance. Research Limitations/Implications: Future research should expand the coverage area in Solo Raya, as the current study only includes three major campuses, which limits the generalization of the findings. Involving more institutions will allow for the identification of other factors that comprehensively influence students' academic performance and provide a holistic view of the challenges and opportunities faced, thereby increasing the relevance of the results in the educational context of the region.
Determinants of Job Satisfaction: A Review on Self Efficacy, Self Esteem and Work Environment
Research aims: This research aims to determine the effect of self-efficacy, self-esteem and work environment on job satisfaction of QRS Company employees in Riau. Design/Methodology/Approach: This research was conducted at the Department of Social Capital QRS Company, totaling 40 people. This study uses saturated sampling, that is, the entire population is used as the unit of research analysis. Statistical analysis in this study using multiple linear regression. Research Findings: The results of the study identified that self-efficacy had a negative and insignificant effect. In contrast to self-esteem and work environment which shows partially have a significant influence on job satisfaction. However, overall the variables of self efficacy, self esteem and work environment have a significant effect on job satisfaction of employees of the Social Capital Department of QRS Company. Practical/Policy/Social Implications: This finding is important for managers so that they can be applied to companies to maximize employee job satisfaction.
Household Financial Management in Pekanbaru: The Importance of Financial Literacy and Locus of Control
Research Aims: This research aims to assess the effect of financial literacy and locus of control on household financial management in Pekanbaru. Design/Methodology/Approach: This is a quantitative study. The sample size was determined using the GPower 3.1 software, and 100 respondents were selected to participate in this research. The data were analyzed using Structural Equation Modeling (SEM) - Partial Least Square (PLS) modeling. Research Findings: The findings of this study indicate that financial literacy and locus of control have a positive and significant effect on household financial management in Pekanbaru. Individuals with high levels of financial literacy consistently create budgets, save and invest their money prudently, and plan for their future financial needs. Individuals with a strong locus of control tend to make sound financial management. Theoretical Contribution/Originality: Integrating financial education and psychological aspects into financial literacy practice provides knowledge and mindsets for making sound financial decisions. This promotes effective household financial management, strengthens family economic resilience, and contributes to economic stability and prosperity. Practical/Policy/Social Implications: Policymakers should encourage collaboration among financial institutions, educational institutions, and communities to promote comprehensive financial education programs. These programs should incorporate practical approaches, such as educating families to understand how to set financial goals and make financial decisions while considering psychological factors. Research Limitations/Implications: This study has several limitations, including a sample size of only 100 respondents, which may not accurately represent the diversity and heterogeneity of household financial managers in Pekanbaru. Keywords: Financial Literacy, Locus Of Control, Household Financial Management
The Glow Effect: How Beauty Vloggers, Product Quality, and Brand Image Drive MS Glow Purchases in Pekanbaru
Research aims: This research attempts to explore the impact of beauty vloggers, product quality, and brand image on purchasing decisions for MS Glow skincare products among women in Pekanbaru. Design/Methodology/Approach: The population in this study were women in Pekanbaru who had used MS Glow skincare products. The sampling method used is purposive sampling, where the sample is selected with certain considerations. Data analysis was carried out through multiple linear regression. Research findings: The research results show that there is a significant positive influence of beauty vloggers and product quality on purchasing decisions for MS Glow skincare products among women in Pekanbaru, while brand image also has a positive but not significant influence. The coefficient of determination of 68.9% shows that beauty vloggers, product quality and brand image together have a strong influence on purchasing decisions, while the remaining 31.1% may be influenced by other factors that were not examined in the current research. Theoretical Contribution/Originality: This nuanced understanding challenges the conventional wisdom that brand image is always a dominant factor and suggests that in certain markets or product categories, other factors like influencer endorsements and product quality may play a more pivotal role. Practical/Policy/Social Implications: The research provides actionable insights that can enhance marketing strategies, inform policy-making, and positively influence society. Research Limitations/Implications: The research focuses exclusively on women, leaving out the perspectives and purchasing behaviors of men who might also be consumers of skincare products. This gender-specific focus limits the understanding of the overall market
The Effect of Company Size Leverage and Good Corporate Governance on Company Value with Corporate Financial Performance as an Intervening Variable
Objectives: to determine the influence of leverage, company size, and good corporate governance on the value of companies with profitability as an Intervening variable Design/Methodology/Approach: The study uses secondary data from energy sector companies listed on the IDX 2018–2022, which consists of 22 company samples. The sampling method used is purposive sampling,, which was analysed with Smart PLS application version 3.2.9. Research findings: the results of the study stated that leverage had a significant negative influence on the value of the company with profitability as an intervening variable, the size of the company had a positive and significant effect on the value of the company with profitability as an intervening variable, institutional ownership had a negative and significant influence on the value of the company with profitability as an intervening variable, and managerial ownership have a negative but insignificant effect on the company's value. Practical/Policy/Social Implications: Corporate management in the energy sector needs to maintain the stability of funding sources of debt and total assets to increase the company's value. Research Limitations/Implications: limitations to obtaining 2023 data at the beginning of the study in 2024 because there is still a lot of data that has not been published on the IDX.com web and the issuer's website, so the data used by the author only uses 2022 data
The Influence of Competency, Traning and Teamwork Toward the Performance Employee on Nawakara Perkasa Nusantara Company Pekanbaru
Research aims: The aim of this research is to determine the influence of competence, training and teamwork both partially and simultaneously on employee performance at PT. Nawakara Perkasa Nusantara Pekanbaru. Design/Methodology/Approach: The number of respondents in this study was 150 people using the Slovin formula and using simple random sampling techniques. The data analysis in this research is quantitative using the multiple linear regression method and the data is analyzed using the SPSS program. Research findings: Results showed that competence, training, and teamwork have a partially significant effect on employee performance at PT. Nawakara Perkasa Nusantara Pekanbaru. Research Limitations/Implications: The authors limited knowledge in making and compiled this article. So, it needs to be reliability tested in the future. Limitation of data used in this research making results less than optimal.
The Influence of Transformational Leadership and Work Environment on The Performance of Employees of PT. Pertamina Patra Niaga Integrated Terminal Dumai
Research aims: The purpose of this study is to find out whether transformational leadership and work environment affect employee performance at PT. PertaminaPatraNiaga Integrated Terminal Dumai. Design/Methodology/Approach: The population in this study is employees who work at PT. Pertamina Patra Niaga Integrated Terminal Dumai. The sample in this study was 48 people with a non-probalbility sampling method. Data analysis uses quantitative descriptive with multiple linear regression. Research findings: The results of the study explained that transformational leadership and work environment have a positive and significant effect on employee performance at PT. Pertamina Patra Niaga Integrated Terminal Dumai. Theoretical Contribution/Originality: Human resources are one of the important aspects that support the quality and quantity of a company. Employee performance can be interpreted as the results of work that have been achieved by a person or group in an organization.