Asian Journal of Management Analytics

The Impact of Financial Literacy on Saving Behavior in Generation Z in Cirebon City, with Perceived Mobile Banking Service Ease as a Mediating Variable

2026-04-22T08:37:48+00:00

The purpose of this study is to examine how financial literacy affects Generation Z's saving behaviour in Cirebon City from the perspective of basic mobile banking services as a mediating variable. A quantitative approach with associative study is the research methodology employed. 120 randomly selected respondents made up the research sample. Questionnaires on a five-point Likert scale were distributed in order to collect data. The data was analysed using the Sobel test and multiple linear regression using IBM SPSS Statistics. The study's findings demonstrate that the view of how simple mobile banking services are is positively and significantly impacted by financial literacy. Additionally, saving behaviour is positively and significantly impacted by financial literacy. Additionally, saving behaviour is positively and significantly impacted by the opinion of how simple mobile banking services are.

Communication Dynamics on WhatsApp Business and Their Impact on Patient Purchase Intention: An SEM–PLS Study (Case study from Edelweiss Hospital Bandung – Indonesia)

2025-12-10T04:48:17+00:00

This study investigates how three communication stimuli on WhatsApp Business visibility, interactivity, and authenticity affect purchase intention toward Edelweiss Hospital, with perceived value and perceived trust as mediating variables. A quantitative survey was conducted with 480 respondents who had interacted with Edelweiss Hospital through WhatsApp Business. Data were analyzed using Partial Least Squares Structural Equation Modeling (SEM–PLS). The results show that interactivity is the strongest predictor of perceived value, while authenticity is the main driver of perceived trust. Visibility shows a dual pattern: it increases perceived value but reduces trust and, through trust, weakens purchase intention. Perceived trust emerges as the strongest determinant of purchase intention, followed by perceived value. The findings extend the Stimulus Organism Response (S–O–R) framework into the digital healthcare context and offer practical guidance for hospitals on how to design and manage WhatsApp Business communication that truly supports patient decision-making.

The Influence of E-Wallet Usability and Financial Literacy on Generation Z’s Consumption Behavior in Cirebon City

2026-04-22T08:21:11+00:00

This study aims to analyze the influence of e-wallet usability and financial literacy on the consumption behavior of Generation Z in Cirebon City. The study employs a quantitative approach using an associative method and Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis. Data were collected via a questionnaire distributed to 246 Generation Z respondents who use e-wallets, using a 1–5 Likert scale. The results indicate that the ease of using e-wallets has a positive and significant effect on consumption behavior, suggesting that the easier digital payment systems are to use, the higher the tendency for individuals to make impulsive purchases. Meanwhile, financial literacy has a negative but insignificant effect on consumptive behavior, suggesting that financial understanding is not yet fully capable of controlling consumption behavior in the context of digital technology’s ease of use.

Analysis of Local Government Financial Ratios and Their Impact on Capital Expenditures for Economic Growth in East Java Province

2026-04-17T08:36:56+00:00

This study aims to analyze the effect of regional financial ratios on capital expenditure and their implications for economic growth in East Java Province. The financial ratios examined include the independence ratio, effectiveness ratio, and efficiency ratio as indicators of local government financial performance. Capital expenditure is positioned as an intervening variable that plays a role in supporting infrastructure development and productive sectors. This research employs a quantitative approach using data analysis from regional government financial reports. The results indicate that the regional independence ratio has a positive effect on capital expenditure, which in turn contributes to economic growth. Meanwhile, the effectiveness and efficiency of regional financial management also play a significant role in optimizing the allocation of development budgets.

Beyond Digital Payments: the Role of Financial Literacy and Social Preferences in Shaping Financial Self-Control

2026-04-25T00:06:28+00:00

This study aims to analyze the influence of financial literacy on financial self-control by considering the mediating role of social preference and digital wallet. This study uses a quantitative approach using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. Data was collected through a questionnaire distributed to 160 respondents and analyzed to test the relationship between variables. The results of the study show that financial literacy has a positive and significant effect on social preference and digital payment use. Social preference and digital wallet also have a significant effect on financial self-control. The mediation analysis shows that social preference plays a stronger role as a mediator in the relationship between financial literacy and financial self-control compared to digital payment use. These findings indicate that financial self-control is not only influenced by cognitive and technological aspects, but is also highly determined by social dimensions.

The Role of Customer Satisfaction in Mediating the Effects of Product Quality and Service Quality on Repurchase Intention: A Study at Mr. Konveksi Bali

2026-04-13T08:32:59+00:00

This research examines the role of customer satisfaction as an intervening variable connecting product and service quality with customers’ intention to repurchase in the MSME context. Despite increasing competition in the post-pandemic period, maintaining customer loyalty remains a critical challenge for small businesses. A quantitative research design was implemented using survey data gathered from 120 participants who had prior purchasing experience. The study employed PLS-SEM to assess the relationships among variables, including both direct and indirect effects. The analysis indicates that both product and service quality have a significant effect on customers’ intention to repurchase. These results highlight the importance of delivering consistent service interactions alongside reliable product performance. From a managerial perspective, MSMEs should prioritize customer-centric strategies that enhance experiential value to sustain long-term purchasing behavior.

The Strategic Role of Brand Equity and Customer Experience in Driving Promotional Success

2026-04-23T01:41:17+00:00

This study aims to analyze the influence of brand image, brand quality, customer experience, and customer value on the success of sales promotions (a study on The Users Of The Originote in Kudus). The study population was consumers in Kudus who had received promotions for The Originote products. The sample consisted of 150 respondents selected using a purposive sampling technique. Instrument testing used validity and reliability tests, while data analysis used multiple linear regression with SPSS version 26. The results showed that brand image, brand quality, customer experience, and customer value each had a positive and significant effect on the sales promotion success. Simultaneously, these four variables also had a positive and significant effect on the success of The Originote sales promotions in Kudus.

Affordances Platform and Strategy Game Content Creator on Tiktok @Eanis

2026-04-02T06:11:44+00:00

Creators have leveraged features of the platform to become highly visible and engaged audience on TikTok but dedication to investigating this practice is still lacked. This qualitative case study focuses on content strategies and platform affordances (especially captions and hashtags) of the Tik Tok profile @eanis, an extraction shooter game content creator. This study aims to identify content strategies, describe how captions and hashtags are used, and understand how creators and audiences interpret these practices by shaping visibility and engagement. Data were collected through in-depth interviews with the main informant and four supporting informants, observation of posts, and literature review. The results show that @eanis's strategy continues to follow trends, especially among extraction shooter players, and that consistency in posting is the basis for establishing the channel's identity.

The Influence of Financial Literacy and Cashless Behavior on the Financial Management Behavior of Generation Z in Cirebon City

2026-04-22T08:29:42+00:00

This research examines how financial literacy and cashless transaction habits influence the way Generation Z in Cirebon City handles their finances.The development of digital financial technologies has significantly transformed transaction patterns from cash-based to digital systems, which demands better financial management capabilities, particularly among young individuals. A quantitative method with an associative approach was applied in this study, utilizing Data analysis using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Respondents from Generation Z who actively utilise non-cash payment methods were given questionnaires to complete in order to gather data. The results show that financial management behaviour is significantly improved by financial literacy. In a similar vein, using cashless payment methods makes a substantial and positive contribution. A significant amount of the variation in respondents' financial management practices can be explained by both factors taken together.

The Impact of Human Resource Management and Member Motivation on Member Engagement in the Jakmania Cirebon

2026-04-22T08:14:53+00:00

This study aims to analyze the influence of human resource management and member motivation on member involvement in The Jakmania Cirebon community. The study used an associative quantitative approach with 70 active members of respondents selected through purposive sampling techniques. Data collection was carried out using a questionnaire based on the Likert scale, while data analysis used the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the help of SmartPLS. The results of the study show that human resource management does not have a significant effect on member engagement, so organizational structural mechanisms have not been the main factor in encouraging the participation of supporter community members. Conversely, member motivation has a positive and significant effect on member engagement.

The Effect of Doctor Presence and Services on Patient Satisfaction Moderated in Collaboration at Citra Sari Husada Karawang Hospital

2026-04-28T07:25:57+00:00

This study aims to find out and analyze the influence of the presence of doctors and services on patient satisfaction moderated by Cooperation at Citra Sari Husada Hospital Doctors or health workers and hospitals as health facilities are unsure providers who will provide health services to the receiver which in this case is the patient. The research method used is Quantitative with SmartPLS 3 data analysis with a total of 100 respondents at Citra Sari Husada Hospital. Service to Patient Satisfaction, has an effect with a coefficient of 0.265 and a t-statistic of 1.702. Cooperation on Patient Satisfaction has an effect with a coefficient of 0.408 and a t-statistic of 1.792. Meanwhile, Service has an influence on Cooperation with a coefficient of 0.532 and a t-statistic of 6.231. Not all associations were significant at the level of 0.05 (p < 0.05), which confirms not all research hypotheses are significant.

Nadin Amizah’s Content Strategy for the “BLP Beauty” Beauty Brand on Instagram

2026-04-15T09:28:50+00:00

This research was carried out qualitatively with a descriptive case study method. Observations of collaborative content on Instagram @blpbeauty and semi-structured interviews with representatives from the BLP Beauty as well as three Instagram active audiences @blpbeauty used to obtain research data. The results of the study show that this collaboration focuses on narrative building, conveying the values of self-empowerment and self-acceptance, and creating emotional closeness through consistent stories and visualizations, as well as product promotion. As a result of the cognitive, emotional, and positive behavioral engagement of the audience, BLP Beauty is considered an authentic, relevant, and valuable local brand. This study suggests that local beauty brands can implement collaborative content strategies in a planned and relevant way for their target audience to develop sustainable customer engagement.

The Quality of Sustainability Reporting by Infrastructure Sector Companies Listed on the Indonesia Stock Exchange for the 2020–2024 Period

2026-04-23T03:50:28+00:00

This study aims to investigate the quality of sustainability reporting of infrastructure sector companies listed on the Indonesia Stock Exchange for the period 2020-2024. The sample consisted of 6 companies from the infrastructure sector (out of 70 companies) chosen by purposive sampling, based on consistency and availability of sustainability reports during the observation period. The degree of compliance with disclosure requirements was quantified using dichotomous scoring. The findings indicate a steady improvement in the quality of sustainability reporting, with the total ESG compliance score reaching 54.31%. The average compliance score rose from 39.35% in 2020 to 67.44% in 2024. The main results show that environmental disclosure significantly improved after the adoption of GRI Standards 2021, while governance reached the highest level of compliance, indicating a change in corporate transparency and responsibility.

The Behavioral Accounting Approach to Examining Modern Accounting Practices in the Industry 4.0 Era

2026-04-08T15:55:46+00:00

This study aims to analyze modern accounting practices in the industry 4.0 era through a behavioral accounting approach. Digital transformation in accounting systems, such as the use of ERP and cloud-based reporting, not only brings technical changes but also creates dynamics in individual and organizational behavior that impact the quality of financial reporting. This study uses a qualitative approach with a case study design. Data were collected through in-depth interviews with financial managers, accounting staff, and internal auditors directly involved in the implementation of modern accounting systems, supported by relevant documentation. Data analysis was conducted through data reduction, thematic presentation of findings, and drawing conclusions by linking the research findings to behavioral accounting theory. The results indicate that attitudes toward technology, work motivation, organizational culture, professional ethics, and cognitive biases significantly influence the effectiveness of modern accounting practices.