Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM)

The Influence of Financial Literacy, Lifestyle, and Use of Financial Technology on Financial Management Behavior of Generation Z

2026-01-21T07:42:37+07:00

This study aims to analyze the influence of financial literacy, lifestyle, and the use of financial technology on financial management behavior among Generation Z students at the Faculty of Economics, Sarjanawiyata Tamansiswa University. This study used a quantitative method with an associative approach. Data were collected through questionnaires distributed to 100 respondents selected using a stratified random sampling technique. Data analysis was carried out using descriptive statistics, validity tests, reliability tests, classical assumption tests, and multiple linear regression. The results showed that financial literacy and lifestyle had no significant effect on financial management behavior, while the use of financial technology had a positive and significant effect. These findings indicate that the use of financial technology plays an important role in shaping the financial management behavior of Generation Z.

The Nonlinear Relationship Between Inflation and Economic Growth A Macroeconomic Investigation

2026-04-13T05:03:40+07:00

Inflation is a key indicator of a country’s economic stability and is closely linked to economic growth. However, the relationship between inflation and economic growth is not always linear. This study aims to analyze the nonlinear relationship between inflation and economic growth and to identify the threshold level of inflation that affects economic growth. The method used in this study is a literature review, analyzing various empirical studies that discuss the relationship between inflation and economic growth in various countries. The results of the study indicate that low to moderate levels of inflation can have a positive impact on economic growth as they can stimulate production and investment activities. However, when inflation rises beyond a certain threshold, its impact on economic growth becomes negative due to increased economic uncertainty, a decline in purchasing power, and a reduction in investment activity. Therefore, inflation stability is a critical factor in maintaining sustainable economic growth. This study implies that effective monetary policy must maintain inflation at an optimal level to support economic stability and long-term growth.

An Analysis of Factors Affecting Consumer Intentions Toward Green Products

2026-04-10T11:28:19+07:00

This study aims to examine the factors influencing consumers’ intention to use green products. A quantitative research approach was employed, involving 300 respondents who are users of Philips MyCare LED Bulb products. Data were analyzed using descriptive statistical analysis, Structural Equation Modeling (SEM), and Partial Least Squares (PLS). The results indicate that social approval has a positive effect on consumer attitudes and also positively influences behavioral intention. Ease of use has a positive and significant effect on consumer attitudes; however, its effect on behavioral intention is positive but not significant. Perceived risk is found to have a positive effect on both consumer attitudes and behavioral intention. Furthermore, consumer attitude has a positive and significant effect on behavioral intention. These findings provide insights into the key determinants of consumer intention in adopting environmentally friendly products, highlighting the importance of social influence, usability, and perceived risk in shaping attitudes and behavioral intentions.

Analysis of Ease of Use as a Moderating Variable in Factors Influencing Behavioral Intention to Use Green Product Innovation

2026-04-13T05:01:09+07:00

This study examines the factors influencing consumer behavioral intention to adopt green products, focusing on the moderating role of perceived ease of use. Using a sample of 300 respondents, the research analyzes the effects of perceived relative advantage, compatibility, complexity, trialability, observability, and ease of use on behavioral intention to adopt Philips MyCare LED bulbs. Data analysis was conducted using multiple linear regression and moderation testing in SPSS. Results indicate that all factors positively influence behavioral intention, and perceived ease of use strengthens the relationships between the independent variables and behavioral intention. The model explains 66% of behavioral intention variance, suggesting strong predictive power. The findings offer theoretical contributions to green innovation adoption literature and practical guidance for companies developing environmentally friendly products, emphasizing ease of use, compatibility, and perceived benefits to encourage consumer adoption.

Analysis of the Relationship Between Digital Service Quality, Perceived Value, and Loyalty in the Public Sector: A Study at Social Security Administrator for Employment (BPJS Ketenagakerjaan) Yogyakarta Branch

2026-04-13T05:00:43+07:00

This study examines the relationships among E-S-Qual, perceived value, and customer loyalty among users of the BPJSTKU application at BPJS Ketenagakerjaan Yogyakarta Branch. A quantitative approach was applied, using data collected from 200 respondents through structured questionnaires measured on a five-point Likert scale. The data were analyzed using Structural Equation Modeling (SEM) with AMOS 23. The findings reveal that E-S-Qual has a positive and significant effect on both perceived value and customer loyalty. Additionally, perceived value significantly influences customer loyalty and serves as a mediating variable in the relationship between E-S-Qual and customer loyalty. These results emphasize the critical role of electronic service quality in shaping customer perceptions and strengthening loyalty. This study contributes to the literature by confirming the mediating role of perceived value and offers managerial insights for enhancing digital service performance.