Journal of Business and Behavioural Entrepreneurship
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The Effect of Financial Technology (Fintech) and Financial Literacy on the Financial Behaviour of Millennials in Indonesia: The Mediating Role of Financial Attitude
Full text linkThis study investigates the impact of Financial Technology (Fintech) and financial literacy on the financial behavior of millennials in Indonesia, with financial attitude acting as a mediating variable. As a global phenomenon, Fintech has revolutionized financial transactions through digital payments, online lending, investments, and personal financial management, significantly influencing millennials who are early adopters of these technologies. This demographic's responsiveness to Fintech results in reduced financial costs and improved financial management. Additionally, financial literacy and positive financial attitudes are crucial in shaping responsible financial behavior. This research highlights the necessity of understanding geographical, cultural, psychological, and social factors in the context of Fintech adoption and financial literacy, emphasizing the need for targeted educational programs and policies. Using a quantitative survey design with a sample of 300 Indonesian millennials aged 22-42, data was collected via online questionnaires and analyzed using Structural Equation Modeling (SEM). The findings reveal that both Fintech adoption and financial literacy positively influence millennials' financial behavior, with financial attitude significantly mediating the relationship between financial literacy and financial behavior. This study provides insights into enhancing financial literacy and Fintech adoption through effective education and public policies, contributing to better financial management among millennials
The Effect of Employee Relations and Transformational Leadership on Job Satisfaction: The Mediating Role of Interpersonal Trust in Colleagues and Managers
Full text linkWorkplace diversity requires effective management to build positive Employee Relations, which impacts Job Satisfaction and Mental Health of employees. This study explores the influence of Human Resources on Employee Relations, Job Satisfaction, Interpersonal Trust in Managers, and Interpersonal Trust in Colleagues, with mediation by Perceived Value and Employee Satisfaction. The purposive sampling method was used by distributing online questionnaires to employees of fintech companies in Jakarta. Data analysis was performed using PLS-SEM. The results indicate that Employee Relations significantly positively affect Interpersonal Trust in Colleagues and Job Satisfaction. Interpersonal Trust in Colleagues mediates the positive impact of Employee Relations on Job Satisfaction, while Interpersonal Trust in Managers does not show a positive effect on Job Satisfaction. This study contributes to the understanding of employee dynamics in the fintech industry. Future research is recommended to expand the scope of variables such as working conditions, salary, and organizational culture, and to use more anonymous data collection methods to reduce bias. Additionally, disseminating the research beyond Jakarta will provide a broader and more representative perspective from various locations
The Effect of Activity on Firm Value with Dividend Policy as an Intervening Variable
Full text linkThis research aims to determine and explain whether dividend policy mediates the effect of activity on company value. The population in this study were 19 Processed food sub-industry companies listed on the Indonesia Stock Exchange for the 2018-2022 period. The data analysis tools used were the classical assumption test, path analysis, and hypothesis testing consisting of the coefficient of determination test, t-test, and Sobel test with the help of the SPSS Version 29 application. The research results showed that: (1) Activity does not affect dividend policy. (2) Activity has a significant effect on firm value. (3) Dividend policy does not affect firm value. The results of the Sobel test showed that (4) dividend policy could not mediate the effect of activity on company value. This is because investors focus more on the company's ability to generate profits and grow in the future, and high dividends can give a negative signal. Companies that retain profits and reinvest in profitable projects are generally preferred by investors and have the potential to increase the company's value in the future
The Influence of The Work Environment and Company Image on Employee Performance with Work Motivation as a Moderator at The Nizam Zachman Samudera Fishing Port Jakarta
Full text linkThis study aims to examine the impact of work motivation moderation on employee performance at the Samudera Nizam Zachman Fisheries Port Jakarta by analyzing the influence of the work environment and company image. The study population consisted of 110 employees Data was collected and analyzed using SmartPLS to test the hypothesis. The results of the study show that the work environment has a positive and significant influence on employee performance, while the company's image does not show a significant relationship with employee performance. Work motivation is proven to have a positive and significant influence on employee performance, Motivation is able to moderate the influence of the work environment and company image on employee performance. This study has limitations on the independent variables studied, and recommends that the management of the Samudera Nizam Zachman Jakarta Fisheries Port pay attention to the work environment in employee placement to improve employee performance
Mobile Money Adoption, Financial Inclusion, and Hedonism in SMEs
Full text linkThis study investigates the role of hedonism as a mediating variable in the relationship between mobile money adoption and financial inclusion among small and medium-sized enterprises (SMEs). The research explores how intrinsic satisfaction derived from using mobile money influences its adoption and impacts financial inclusion, providing a novel perspective on the psychological drivers of financial technology uptake. Utilizing a quantitative approach, data were collected from SMEs via standardized questionnaires, with relationships analyzed through regression and mediation techniques. The findings demonstrate that mobile money adoption significantly enhances financial inclusion, while hedonism partially mediates this relationship. Emotional satisfaction is shown to amplify the impact of mobile money adoption, underscoring the importance of user experience alongside functionality in driving technology adoption. The study concludes that incorporating hedonistic aspects into mobile money platforms can increase adoption rates and enhance the financial inclusion of SMEs. The results provide actionable insights for policymakers and service providers, highlighting the importance of user-centered design and tailored support. Future research should explore additional mediating factors and broader sample populations to further validate and expand on these findings
The Influence of Marketing Influence and Brand Ambassadors on Consumer Loyalty with Brand Personality as a Moderation of Mineral Water in Le Mineral Product Packaging
Full text linkThis study aims to investigate the relationship between marketing influence, brand ambassadors, and consumer loyalty, as well as the role of brand personality as a moderator in the relationship. The research method used is a survey with questionnaires distributed to a sample of consumers from various demographic backgrounds. This study focuses on the population of the community in the Greater Jakarta area with a sample of 125 respondents representing a predetermined population in answering questions related to the research variables. Data analysis was carried out using multiple regression techniques and moderator analysis. The results of the study show that marketing influence and brand ambassadors significantly affect consumer loyalty. In addition, brand personality has also been proven to moderate the relationship between marketing influence and brand ambassadors and consumer loyalty. These findings indicate the importance of paying attention not only to marketing strategies and the use of brand ambassadors, but also to brand characteristics in building consumer loyalty. This research contributes to the understanding of the factors that affect consumer loyalty in the digital era, by highlighting the important role of marketing influencers, brand ambassadors, and brand personalities. The practical implications of this research can help companies in designing more effective marketing strategies to maintain and increase their consumer loyalty
Is the Institutional Budget Effective to Enhance The Work Achievement of Certified Teachers? – Mediating Role of Work Commitment
Full text linkCertified educators play an important role in improving the quality of education because certification shows that a teacher has adequate competence, both in knowledge and teaching skills. Therefore, a budget policy that supports certified teachers is crucial, including a good take home pay and incentive mechanism, so as to support the achievement of teachers' basic needs and improve their work performance. This study then aimed to explore the role of take-home pay and incentives on teacher work performance through their commitment. This study was conducted with a quantitative approach, with the selected sample being Elementary School and Junior High School Teachers in Mojokerto City, Indonesia. The research data were analyzed using path analysis with the help of the SPSS program. From data analysis, it was showed that the relationships between Take Home Pay, Incentives, and Work Commitment towards Teacher Work Achievement, as well as between Take Home Pay and Incentives towards Teacher Work Commitment, all show t-statistics that are well above the critical t-values of 1.98 at the 5% significance level and 2.63 at the 1% significance level. This suggests that both financial incentives (Take Home Pay and Incentives) and non-financial factors (Work Commitment) are important drivers of teacher performance and commitment of certified teacher in Mojokerto City. Overall, these findings reinforce the importance of supporting teachers with both financial and non-financial incentives to enhance their work achievement and commitment
Analysis of Determinants of Financial Management Behavior as Social Capital of Millennial and Gen Z Women in Bekasi Regency
Full text linkThe role of women is vital as social capital; women's financial behaviour is an important capital in the future economic journey; women's financial management behaviour will have an impact on the level of children's education and finance, thereby reducing the level of low education in the context of the golden Indonesia 2045. The research objectives are formulated in the following specific objectives: (1) Analyzing the role of financial knowledge on education level and financial management behaviour and financial knowledge on financial management behaviour through the mediation of education level. (2) Analyzing the role of personality traits on education level and financial management behaviour, as well as personality traits on financial management behaviour through the mediation of education level. (3) Analyzing the role of education level on women's financial management behaviour. The data analysis method in this research is associative causality with a quantitative approach. The analysis method uses Structural Equation Modeling (SEM) with SmartPLS software. The sample in the study was the female gender of the millennial generation and Gen Z, who were already working with a focus on the Bekasi district. The research sampling technique used purposive sampling, as many as 100 samples of the female labour force over 15 years of age who work. The results showed that financial knowledge has no effect on financial management behaviour, financial knowledge on education level has no effect, personality traits on financial management behaviour have a positive effect, personality traits on education level has a positive effect, and education level on financial management behaviour has a positive effect. Financial knowledge on financial management behaviour through mediation Education level does not affect financial management behaviour. Personality Traits on financial management behaviour through mediation Level of Education affects financial management behaviour
The Influence of Socio-Demographic Factors and Financial Socialisation on Financial Literacy of College Students in Indonesia
Full text linkThis study aims to explore the level of financial literacy among Indonesian university students as well as the influence of socio-demographic factors and financial socialisation on such literacy. The research method used is quantitative with a survey approach, involving students from various universities in Indonesia. The results showed that on average students were only able to answer 45.39% of financial literacy questions correctly, indicating that the financial literacy of Indonesian university students is at a low to moderate level. The analysis showed that socio-demographic factors such as gender, major in economics and business, and work experience have a significant influence on the level of financial literacy. In addition, financial socialisation through parents was also found to have a significant impact on students' financial literacy. This study emphasises the importance of more effective financial education programmes, both conventional and Islamic, to equip students with the necessary skills to make wise financial decisions. Effective financial socialisation, especially through parental guidance, can significantly improve financial literacy outcomes
Analysis of CEO Characteristics (Gender), CEO Age, and Tenure on Corporate Debt Policy
Full text linkDebt policy is one of the most important factors for companies that have gone public or not in maintaining the image of existing information to investors. As well as being one of the references for investors in deciding their investment actions. Thus, as an academic practitioner and also a capital market investor, this research theme is a topic of urgency in the perspective of the CEO (Gender) to be raised. The specific purpose of this study is to analyse the differences in debt policy among energy sector companies listed on the Indonesia Stock Exchange, with a focus on the character of the CEO (Gender), the age of the CEO, and the tenure of the CEO of the corporation. The research data analysis technique uses an independent mean difference test to test the hypothesis in this study, the first thing to do first is the assumption test or the feasibility of the research data model. The results showed the first that there was no significant difference in the Company led by Female CEO and male CEO, the second result showed that there was no significant difference in the Company led by CEO less than 45 years old and CEO more than 45 years old, the third result showed that there was no significant difference in the Company led by CEO with tenure below 10 years and the Company led by CEO with tenure above 10 years on corporate debt policy