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"Penelitian ini bertujuan untuk meninjau pengaruh faktor psikologis & sosial (psiko-sosial) serta faktor kognitif berupa financial literacy terhadap financial risk tolerance dan financial behavior konsumen. Penelitian ini juga menguji peran financial risk tolerance sebagai mediasi dari pengaruh faktor-faktor prediktor terhadap financial behavior, serta moderasi emotional intelligence pada pengaruh financial literacy terhadap financial risk tolerance dan financial behavior. Metode penelitian yang digunakan adalah survey dengan total responden penelitian yang valid sebanyak 349 orang yang dipilih dengan teknik purposive sampling, untuk menguji 17 hipotesis. Hasil pengolahan data dengan menggunakan Structural Equation Model-Partial Least Square (SEM-PLS) memperlihatkan trust dan family financial socialization memiliki pengaruh terhadap financial risk tolerance. Disisi lain variabel prediktor seperti financial literacy, financial threat, deliberative thinking, dan optimism tidak memiliki pengaruh signifikan pada financial risk tolerance. Secara langsung financial literacy dan family financial socialization serta financial risk tolerance mempengaruhi financial behavior. Dalam penelitian ini ditemukan peran mediasi financial risk tolerance, pada pengaruh hubungan trust, dan family financial socialization terhadap financial behavior. Selanjutnya, peran moderasi dari emotional intelligence memiliki pengaruh pada financial literacy terhadap financial risk tolerance dan financial behavior. Penelitian ini memberikan kontribusi baik teoritis dan manajerial yang dapat digunakan bagi para marketer dan stakeholder untuk memperhitungkan peran faktor psiko-sosial terhadap pengambilan keputusan keuangan individu.

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This study aims to review the influence of psychological and social (psycho-social) factors, as well as cognitive factors such as financial literacy, on financial risk tolerance and consumer financial behavior. It also examines the role of financial risk tolerance as a mediator in the influence of predictor factors on financial behavior and the moderating role of emotional intelligence on the impact of financial literacy on financial risk tolerance and financial behavior. The research method used is a survey, with a total of 349 valid respondents selected using purposive sampling technique to test 17 hypotheses. Data processing results using Structural Equation Modeling-Partial Least Square (SEM-PLS) show that trust and family financial socialization significantly influence financial risk tolerance. On the other hand, predictor variables such as financial literacy, financial threat, deliberative thinking, and optimism do not have a significant impact on financial risk tolerance. Directly, financial literacy and family financial socialization, as well as financial risk tolerance, affect financial behavior. This study found the mediating role of financial risk tolerance in the relationship between trust and family financial socialization on financial behavior. Furthermore, the moderating role of emotional intelligence influences the effect of financial literacy on financial risk tolerance and financial behavior. This research provides both theoretical and managerial contributions that can be utilized by marketers and stakeholders to consider the role of psycho-social factors in individual financial decision-making."

"Kelompok etnis minoritas Chinese Indonesian memiliki kontribusi ekonomi yang signifikan di Indonesia. Penelitian ini melihat dimensi risiko spesifiknya toleransi risiko keuangan dan pengaruh dari variabel financial literacy, financial threat, dan faktor demografis dan sosioekonomi. Penelitian menggunakan metode non-probability sampling. Penelitian ini menganalisis 401 responden dengan rentang generasi X, Y, dan Z yang merupakan bagian dari kelompok Chinese Indonesian. Metode pengumpulan data yang digunakan adalah survei online dan data yang dan diolah dengan teknik Multiple Linear Regression. Hasil dari olahan data menunjukkan bahwa financial literacy, financial threat, gender, tingkat pendidikan, dan kelompok ekonomi signfikan memengaruhi toleransi risiko keuangan. Namun, status perkawinan, kelompok generasi, dan status pekerjaan, tidak signifikan terhadap toleransi risiko. Level toleransi risiko keuangan di kelompok etnis Chinese Indonesian tergolong moderat.

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The Chinese Indonesian ethnic minority group has a significant economic contribution in Indonesia. This research looks at risk dimensions specifically financial risk tolerance and the influence of financial literacy, financial threat, and demographic and socioeconomic factors. The research uses a non-probability sampling method. This research analyzed 401 respondents ranging from generations X, Y and Z who were part of the Chinese Indonesian group. The data collection method used was an online survey and the data was processed using the Multiple Linear Regression technique. The results of the processed data show that financial literacy, financial threat, gender, education level and economic group significantly influence financial risk tolerance. However, marital status, generational group, and employment status were not significant for risk tolerance. The level of financial risk tolerance in the Chinese Indonesian ethnic group is classified as moderate."

"Penelitian ini memiliki tujuan untuk mengetahui pengaruh financial knowledge, financial attitude, locus of control terhadap financial management behavior pada mahasiswa di Indonesia. Penelitian ini juga menguji peran financial risk tolerance sebagai variabel moderasi yang dapat memperkuat atau memperlemah pengaruh financial knowledge, financial attitude, locus of control terhadap financial management behavior. Data yang diperoleh sebanyak 447 responden melalui survei cross sectional yang kemudian diolah dan dianalisis menggunakan Partial Least Square-Structural Equation Method (PLS-SEM). Hasil dari penelitian ini menunjukkan bahwa financial knowledge berpengaruh positif terhadap financial attitude. Financial knowledge, financial attitude, dan internal locus of control berpengaruh positif terhadap financial management behavior. Financial attitude memediasi pengaruh antara financial knowledge terhadap financial management behavior dan hubungan mediasi ini termasuk complementary mediation. Pengaruh antara financial knowledge, financial attitude, dan internal locus of control terhadap financial management behavior tidak dimoderasi oleh financial risk tolerance. Penelitian ini diharapkan dapat meningkatkan kesadaran mahasiswa tentang pentingnya financial management behavior dan pentingnya mengelola keuangan.

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This study aims to determine the effect of financial knowledge, financial attitude, locus of control on financial management behavior among students in Indonesia. This study also investigates the role of financial risk tolerance as a moderating variable that can strengthen or weaken the effect of financial knowledge, financial attitude, and locus of control on financial management behavior. The data obtained by 447 respondents through a cross-sectional survey were then processed and analyzed using the Partial Least Square-Structural Equation Method (PLS-SEM). The results of this study indicate that financial knowledge has a positive effect on financial attitude. Financial knowledge, financial attitude, and internal locus of control positively affect financial management behavior. Financial attitude mediates the influence between financial knowledge on financial management behavior and this mediation relationship includes complementary mediation. This study does not find the significant role of financial risk tolerance in moderating the effect of financial knowledge, financial attitude, and internal locus of control on financial management behavior. This research is expected to increase student awareness about the importance of financial management behavior and the importance of managing finances."

"Perkembangan modest fashion di Indonesia meningkat pesat dalam beberapa tahun terakhir. Sejak pandemi, pada tahun 2020, beberapa modest fashion brand ternama di Indonesia mulai mengalihkan strategi penjualan mereka ke ranah online, salah satunya melalui media sosial Instagram. Oleh karena itu, pemasaran produk modest fashion brand dengan menggunakan jasa social media influencer (SMI) sedang berkembang dengan pesat. Penelitian ini ingin mengetahui peran mediasi dari perceived credibility dan perceived religiosity SMI terhadap brand attitude dan purchase intention pada modest fashion brand di Indonesia, serta peran moderasi dari hedonic value pada produk tersebut. Penelitian ini menggunakan metode kuantitatif single cross-sectional dengan jumlah responden sebanyak 246 orang wanita pengguna aktif Instagram. Data dalam penelitian ini diolah menggunakan AMOS 24 dengan metode SEM. Hasil dari penelitian ini menunjukkan bahwa perceived expertise, goowill, dan trustworthiness, serta perceived religiosity yang dimiliki oleh SMI mampu memediasi hubungan antara SMI power dan brand attitude. Kemudian, hedonic value dari produk modest fashion brand juga mampu mempengaruhi purhcase intention. 

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In recent years, modest fashion has grown significantly in Indonesia. Since the pandemic in 2020, some well-known modest fashion companies in Indonesia have started to change their focus from offline to online sales, using Instagram as one of the strategies. As a result, social media influencers (SMI) in marketing strategies are expanding. This study wants to analyze the mediating role of perceived credibility and religiosity of SMI on brand attitude and purchase intention of modest fashion brands in Indonesia, as well as the effects of hedonic value on the product. This study included 246 respondents who are active female Instagram users and used a single cross-sectional quantitative methodology. The data was processed using AMOS 24 with the SEM method. This research offers empirical evidence on the mediating effect of expertise, goodwill, trustworthiness, and religiosity between SMI power and brand attitude. Furthermore, the result of this study also shows that moderating effect of the hedonic value on the product from modest fashion brands impacts the purchase intention."

"ABSTRAKBerdasarkan survei Bank Indonesia yang dirilis pada 13 Februari lalu, fasilitas KPR yang digunakan konsumen mencapai 70,6%. Ini menunjukkan peran perbankan masih tinggi dan proses pemberian kredit tersebut tidak luput dari risiko. Risiko terbesar adalah risiko kredit, oleh sebab itu risiko perlu di identifikasikan, diukur dan di kontrol. Karya akhir ini ditujukan untuk mengukur berapa besar probability of default kredit, expected loss dan unexpected loss, serta economic capital yang harus disediakan untuk mengantisipasi kerugian sehingga Bank dapat membuat keputusan yang tepat untuk meminimalkan risiko, dan model CreditRisk+ diharapkan dapat diterapkan dan dapat mengalokasikan secara optimal seluruh sumber daya yang dimiliki.

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ABSTRACT

Based on a survey of Bank Indonesia which was released on February 13, KPR a facility used by most customers reach 70.6%. This shows the role of Banks in financing the house is still high. However, the process of granting credit did not avoid from risk. The greatest risk in the Banking is credit risk. Therefore needs to identify, measure and control the risks. This thesis is intended to measure how much probability of default of loans, measure the losses that can be expected and cannot be estimated from the credit issued and can find out how much economic capital that should be provided to anticipate the losses that cannot be expected that the Bank can make the right decisions to minimize the risk that will arise, and CreditRisk + model that can be used is expected to be applied and can be optimally allocate all resources."

"Penelitian ini mengkaji pengaruh toleransi risiko terhadap niat investasi berisiko di kalangan investor Generasi Z di wilayah Jabodetabek, dengan literasi keuangan sebagai variabel moderasi. Hasil penelitian menunjukkan bahwa toleransi risiko berpengaruh positif dan signifikan terhadap niat investasi berisiko, menunjukkan bahwa individu dengan toleransi risiko yang lebih tinggi cenderung terlibat dalam investasi berisiko tinggi. Sebaliknya, literasi keuangan berpengaruh negatif terhadap niat investasi berisiko, menyoroti bahwa pengetahuan keuangan yang lebih baik mengurangi kemungkinan melakukan investasi berisiko. Namun, efek moderasi literasi keuangan pada hubungan antara toleransi risiko dan niat investasi berisiko ditemukan tidak signifikan. Temuan ini memberikan wawasan berharga bagi para pendidik keuangan, pembuat kebijakan, dan lembaga yang bertujuan meningkatkan pengambilan keputusan investasi di kalangan investor muda di Indonesia. Penelitian ini menekankan pentingnya meningkatkan literasi keuangan untuk mengurangi perilaku investasi berisiko dan menyerukan program pendidikan yang ditargetkan membekali Generasi Z dengan keterampilan dan pengetahuan keuangan yang diperlukan.

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This study investigates the influence of risk tolerance on risky investment intentions among Generation Z investors in the Jabodetabek area of Indonesia, with financial literacy as a moderating variable. The results indicate that risk tolerance positively and significantly affects risky investment intentions, suggesting that individuals with higher risk tolerance are more inclined to engage in high-risk investments. Conversely, financial literacy negatively influences risky investment intentions, highlighting that better financial knowledge reduces the likelihood of making risky investments. However, the moderating effect of financial literacy on the relationship between risk tolerance and risky investment intentions is insignificant. These findings provide valuable insights for financial educators, policymakers, and institutions aiming to enhance investment decision-making among young investors in Indonesia. The study underscores the importance of improving financial literacy to mitigate risky investment behaviors and calls for targeted educational programs to equip Generation Z with the necessary financial skills and knowledge."

"Seiring meningkatnya berbagai permasalahan lingkungan, kesadaran manusia terhadap isu lingkungan semakin meningkat, dan tren untuk menggunakan produk ramah lingkungan juga semakin tinggi. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi perilaku pembelian tumbler sebagai produk ramah lingkungan di kalangan generasi Z dan milenial muslim di daerah perkotaan, serta peran variabel moderasi nilai religiusitas dalam hubungan tersebut. Teori yang digunakan dalam penelitian ini adalah Theory of Reasoned Action. Penelitian ini melibatkan variabel Green Brand Knowledge, Environmental Concern, Environmental Knowledge, Green Perceived Value, Attitude toward Purchase of Green Products, Subjective Norms, Green Purchase Intention, Green Purchase Behaviour Intrapersonal Religious Values, dan Interpersonal Religious Values. Data primer dikumpulkan melalui survei dengan mengajukan kuesioner kepada 416 responden di wilayah perkotaan. Analisis data menggunakan metode Structural Equation Modeling (SEM) PLS menggunakan SmartPLS 4.0 untuk menguji hipotesis-hipotesis yang diajukan. Hasil penelitian menunjukkan bahwa Attitude toward Purchase of Green Products dipengaruhi secara positif dan signifikan oleh Green Brand Knowledge, Environmental Concern, dan Green Perceived Value. Environmental Knowledge tidak berpengaruh signifikan terhadap Attitude toward Purchase of Green Products. Attitude toward Purchase of Green Products dan Subjective Norms berpengaruh positif dan signifikan terhadap Green Purchase Intention, Green Purchase Intention berpengaruh positif dan signifikan terhadap Green Purchase Behavior. Intrapersonal Religious Values dapat memperkuat secara signifikan pengaruh positif dari Subjective Norms terhadap Green Purchase Intention, namun nilai religiusitas lainnya tidak memperkuat hubungan Attitude toward Purchase of Green Products ataupun Subjective Norms terhadap Green Purchase Intention. Temuan dari penelitian ini dapat digunakan oleh produsen produk tumbler maupun pemangku kepentingan lainnya sebagai strategi pemasaran maupun kampanye pro-lingkungan.

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Environmental concerns are increasing along with the rising trend of using green products as environmental issues continue to worsen. The purpose of this study is to examine the factors influencing urban Generation Z and Millennial Muslims' purchasing decisions for tumbler as a green products. Furthermore, it explores at how religious values influence these relationships in a moderating way. The Theory of Reasoned Action forms the theoretical basis for this study.  Several variables are included in the study: Green Brand Knowledge, Environmental Concern, Environmental Knowledge, Green Perceived Value, Attitude toward Purchase Green Products, Subjective Norms, Green Purchase Intention, Green Purchase Behaviour, Interpersonal Religious Values, and Intrapersonal Religious Values. Surveys were conducted to gather primary data, with questionnaires distributed to 416 respondents in urban areas. To evaluate the proposed hypotheses, data was analyzed using Partial Least Square-Structural Equation Modeling (PLS-SEM). Attitude toward Purchase Green Products is positively and significantly influenced by Green Brand Knowledge, Environmental Concern, and Green Perceived Value, according to research findings. Meanwhile, Attitude toward Purchase Green Products is not significantly influenced by Environmental Knowledge. Both Attitude toward Purchase Green Products and Subjective Norms had positive and significant effects on Green Purchase Intention. Green Purchase Intention had a positive and significant effect on Green Purchase Behaviour. The Intrapersonal Religious Values can significantly strengthen the positive influence of Subjective Norms on Green Purchase Intention, but other religious values neither reinforce the attitude’s relationship nor Subjective Norms on Green Purchase Intention. The findings of this research can be utilized by tumbler product manufacturers and other stakeholders as part of marketing strategies and green campaigns."

"Pengeluaran untuk produk dan layanan terkait fandom—seperti merchandise, tiket konser, dan langganan konten digital—menunjukkan tren yang meningkat, khususnya di kalangan usia produktif. Penelitian ini bertujuan untuk menganalisis pengaruh literasi finansial terhadap konsumsi hiburan dalam konteks fandom di Indonesia, dengan mengacu pada Theory of Planned Behavior (attitude, subjective norm, dan perceived behavioral control) serta peran budgeting intention. Kuesioner disusun berdasarkan tinjauan literatur dan disebarkan kepada 260 responden berusia 17–35 tahun yang pernah melakukan pengeluaran terkait fandom dalam enam bulan terakhir. Analisis data dilakukan dengan regresi linear berganda (multiple linear regression) menggunakan SPSS. Hasil penelitian menunjukkan bahwa financial literacy, subjective norm, perceived behavioral control, dan budgeting intention berpengaruh signifikan terhadap fandom-related spending behavior, sementara attitude tidak memiliki pengaruh yang signifikan. Temuan ini menekankan pentingnya budgeting intention dalam mendorong entertainment consumption yang lebih terencana. Implikasi dari penelitian ini dapat digunakan oleh masyarakat terutama komunitas fandom, akademisi, penyedia layanan edukasi keuangan, maupun konsultan keuangan untuk merancang strategi literasi finansial yang relevan bagi generasi muda dalam mengelola pengeluaran.

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Spending on fandom-related products and services—such as merchandise, concert tickets, and digital content subscriptions—has shown a growing trend, particularly among the productive age group. This study examines the influence of financial literacy on entertainment consumption in the context of fandom in Indonesia, by referring to the Theory of Planned Behavior (attitude, subjective norm, and perceived behavioral control) and the role of budgeting intention. The questionnaire was developed based on a literature review and distributed to 260 respondents aged 17–35 who had made fandom-related purchases in the past six months. Data were analyzed using multiple linear regression with SPSS. The results show that financial literacy, subjective norm, perceived behavioral control, and budgeting intention significantly influence fandom-related spending behavior, while attitude has no significant effect. These findings highlight the importance of budgeting intention in promoting better-planned entertainment consumption. The implications of this study can be utilized by the public—particularly fandom communities—as well as academics, financial education providers, and financial consultants in designing relevant financial literacy strategies for young people in managing their expenditures."

"Penelitian ini membahas mengenai pengaruh empat dimensi homophily (sikap, latar belakang, nilai dan moral, dan penampilan), keterikatan emosional antara vlogger dan audiens, dan keahlian vlogger terhadap popularitas food vlogger dan pengaruh popularitas food vlogger terhadap keputusan pembelian konsumen. Penelitian ini dilakukan dengan survey daring menggunakan Google Form kepada 245 responden berumur 17-54 tahun, dan merupakan penonton konten food vlogger di YouTube. Data diolah menggunakan metode Structural Equation Modeling (SEM) dengan software pengolahan data LISREL 8.80. Hasil penelitian menunjukkan bahwa popularitas food vlogger memiliki pengaruh positif terhadap keputusan pembelian konsumen. Dari keempat dimensi homophily, hanya dimensi nilai dan moral yang memiliki pengaruh positif terhadap popularitas food vlogger, dan hanya dimensi sikap dan nilai dan moral yang memiliki pengaruh positif terhadap keterikatan emosional antara food vlogger dengan audiens. Selain itu, keahlian food vlogger juga memiliki pengaruh positif terhadap popularitas food vlogger. Di sisi lain, tidak terdapat pengaruh positif antara keterikatan emosional food vlogger dan audiens dengan popularitas food vlogger.

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This study discusses the influence of the four dimensions of homophily (attitude, background, values and morals, and appearance), emotional attachment between the vlogger and the audience, and the expertise of the vlogger on the popularity of food vloggers and the influence of the popularity of food vloggers on consumer purchase decisions. This study conducted a survey of 245 respondents aged 17-54 years, and are viewers of food vlogger content on YouTube. Data was processed using the Structural Equation Modeling (SEM) method with LISREL 8.80 software. The results showed that the popularity of food vloggers has a positive influence on consumer purchasing decisions. Of the four homophily dimensions, only values and moral dimensions have a positive influence on the popularity of food vloggers, and only the attitude and values and morals dimensions have a positive influence on the emotional attachment between the food vlogger and the audience. Food vlogger expertise also has a positive influence on the popularity of food vloggers. On the other hand, there is no positive effect between the emotional attachment of food vloggers and their audience to the popularity of food vloggers."

"Generasi muda menghadapi tantangan finansial yang semakin kompleks di tengah digitalisasi ekonomi. Penelitian ini bertujuan untuk memahami bagaimana literasi keuangan memengaruhi kepuasan finansial, dengan mempertimbangkan peran perencanaan keuangan dan sikap terhadap risiko keuangan. Fokus penelitian diarahkan pada generasi muda, khususnya Generasi Z dan Milenial, yang saat ini menghadapi tantangan dalam pengelolaan keuangan pribadi. Dengan menggunakan pendekatan kuantitatif, data dikumpulkan melalui survei daring dan dianalisis menggunakan metode Structural Equation Modeling.Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh signifikan terhadap perencanaan keuangan dan sikap terhadap risiko keuangan, yang pada gilirannya berdampak pada kepuasan finansial. Kedua variabel mediasi terbukti memainkan peran penting dalam menjembatani hubungan antara literasi keuangan dan kepuasan finansial. Selain itu, ditemukan bahwa sikap terhadap risiko keuangan juga memoderasi hubungan antara perencanaan keuangan dan kepuasan finansial secara signifikan.Temuan tambahan dari analisis multigroup (MGA) mengungkap bahwa terdapat perbedaan signifikan pada efek moderasi antara Generasi Z dan Milenial, khususnya dalam hubungan antara perencanaan keuangan dan kepuasan finansial, yang dipengaruhi oleh sikap terhadap risiko keuangan. Efek moderasi lebih kuat ditemukan pada kelompok Milenial. Implikasi praktis dari hasil ini menunjukkan pentingnya pendekatan yang disesuaikan berdasarkan karakteristik generasi dalam edukasi dan perencanaan keuangan.

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Young generations are facing increasingly complex financial challenges amid the digitalization of the economy. This study aims to explore how financial literacy influences financial satisfaction by examining the mediating roles of financial planning and financial risk-taking attitude. The research focuses on young generations, particularly Generation Z and Millennials, who are currently facing significant challenges in managing their personal finances. Using a quantitative approach, data were collected through an online survey and analyzed using the Structural Equation Modeling (SEM) method.

The results indicate that financial literacy has a significant influence on both financial planning and financial risk-taking attitude, which in turn impact financial satisfaction. Both mediating variables were found to play a crucial role in bridging the relationship between financial literacy and financial satisfaction. Moreover, financial risk-taking attitude was also found to significantly moderate the relationship between financial planning and financial satisfaction.

Additional findings from the multigroup analysis (MGA) revealed a significant difference in the moderating effect between Generation Z and Millennials, specifically in the relationship between financial planning and financial satisfaction, influenced by financial risk-taking attitude. The moderating effect was found to be stronger among Millennials. These findings highlight the importance of adopting a generation- specific approach in financial education and planning initiatives."