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"Perilaku keuangan mengharuskan milenial memiliki pengetahuan keuangan agar bisa mengevaluasi kemampuan yang dimiliki untuk kemudian diterapkan dalam kehidupan masing-masing. Tujuan penelitian ini adalah untuk menganalisis pengaruh financial attitude, financial self efficacy, dan financial planning activity terhadap financial management behavior pada generasi milenial muslim. Sampel dalam penelitian yaitu generasi milenial yang saat ini berusia 26-41 tahun dan diperoleh sebanyak 202 responden melalui kuesioner yang disebarkan diberbagai media sosial secara online. Pengolahan data primer menggunakan metode Covariance-based Structural Equation Modelling (CB-SEM) dengan software SPSS LISREL 8.8. Hasil penelitian menunjukkan bahwa financial attitude, financial self efficacy, dan financial planning activity berpengaruh positif terhadap financial management behavior. Kemudian religiosity tidak memberikan pengaruh moderasi yang signifikan pada hubungan antara financial attitude dengan financial management behavior maupun hubungan antara financial planning activity dengan financial management behavior. Namun, religiosity didapati memberikan pengaruh moderasi yang signifikan negatif pada hubungan antara financial self efficacy dengan financial management behavior.

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Financial behavior requires millennials to have financial knowledge to better evaluate their abilities in order to be applied in their lives. The purpose of this study is to analyze the effect of financial attitude, financial self-efficacy, and financial planning activity on financial management behavior in the muslim millennial generation. This study uses millennial generation who are currently 26-41 years old as a sample and had obtained as many as 202 respondents through questionnaires shared on various online social media. Primary data processing is done using the Covariance-based Structural Equation Modeling (CB-SEM) method with SPSS LISREL 8.8 software. The results showed that financial attitude, financial self efficacy, and financial planning activity had a positive effect on financial management behavior. Then religiosity does not have a significant moderation effect on relationship between financial attitude and financial management behavior nor the relationship between financial planning activity and financial management behavior. However, religiosity have a significant negative moderating effect on the relationship between financial self-efficacy and financial management behavior."

"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."

"ABSTRAKPerluasan Theory of Planned Behavior TPB digunakan dalam penelitian ini untuk mengetahui intensi individu dalam mendonasikan uang. Responden berjumlah 232 orang telah mengisi kuesioner dengan teknik convenience sampling. Analisis regresi linear berganda digunakan untuk mengetahui pengaruh sikap, norma deksriptif, norma moral, perceived behavioral control, dan pengalaman masa lalu Selain itu, keyakinan agama dijadikan sebagai variabel moderasi. Hasil dari penelitian ini menunjukkan bahwa hanya norma deskriptif, norma moral dan perceived behavioral control berpengaruh signifikan terhadap intensi perilaku berdonasi dan keyakinan agama berperan dalam memoderasi seluruh variabel independen dalam penelitian ini.

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ABSTRACTAn extended Theory of Planned Behavior TPB was used to predict individual rsquo s intention on donating money. Respondents n 232 completed an online questionnaire using convenience sampling. Multiple regression analyses used in order to test the influence of attitude, descriptive norm, moral norm, perceived behavioral control, and past behavior. Furthermore, religious beliefs is integrated as a moderating variable. This study shows only descriptive norm, moral norm and perceived behavioral control that significantly influencing behavioral intention to donate on an individual. Meanwhile, religious beliefs has role on moderating all independent variables on this study."

"Pola konsumsi masyarakat saat ini yang suka makan di restoran telah memunculkan fenomena baru. Masyarakat Indonesia yang mayoritas muslim membutuhkan sertifikasi halal pada restoran sebagai sarana perlindungan dari mengkonsumsi makanan haram. Namun, perilaku konsumen untuk bersantap di restoran halal tidak hanya dipengaruhi oleh adanya sertifikasi halal melainkan juga faktor budaya dan religiusitas. Penelitian ini menggunakan metode Structural Equation Modelling (SEM) untuk membedah pengaruh faktor perceived value, perceived usefulness, budaya serta religiusitas konsumen terhadap behavioral intention konsumen restoran bersertifikasi halal. Responden penelitian ini adalah masyarakat berusia 18-25 tahun yang pernah mengunjungi restoran bersertifikasi halal dalam satu bulan terakhir. Hasil penelitian menunjukkan bahwa perceived usefulness, horizontal collectivism, dan vertical individualism memiliki pengaruh terhadap behavioral intention. Sedangkan variabel religiusitas terbukti mempengaruhi hubungan perceived usefulness dengan behavioral intention, horizontal collectivism dengan behavioral intention, vertical individualism dengan behavioral intention, dan horiontal individualism dengan behavioral intention.

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The consumption pattern of today?s society that like to dine in restaurant has created a new phenomenon. Indonesia, which is a Muslim majority country needs halal certification on restaurant as a protection for consumer from consuming a non-halal food. However, consumer behavior to dine in a halal certified restaurant is not only affected by halal certification, but also by culture and religiosity. This research using a Structural Equation Modelling (SEM) to analyze the effect of perceived value, perceived usefulness, culture, and religiosity towards cosumer?s behavioral intention to dine in halal-certified restaurant. Respondents of this research are those who are between 18 ? 25 years old and have visited halalcertified restaurant within the last month. This research find that perceived usefulness, horizontal collectivism, and vertical individualism affect consumer's behavioral intention. This research also find that religiosity affect the relationship between perceived usefulness and behavioral intention, horizontal collectivism and behavioral intention, vertical individualism and behavioral intention, and horiontal individualism and behavirola intention."

"[Penelitian ini bertujuan untuk menguji pengaruh keahlian keuangan yang diukurberdasarkan pengalaman di bidang akuntansi, supervisi dan keuangan terhadapmanajemen laba dengan peran status (lulusan universitas elit, tingkat gelarpendidikan, dan kepemimpinan ganda) sebagai variabel moderasi. Manajemenlaba diukur dengan menghitung abnormal akrual menggunakan model Kasznik(1999). Hasil penelitian ini menyimpulkan bahwa keahlian keuangan komite audit tidak terbukti mempengaruhi manajemen laba. Peran status komite audit yang lebih tinggi dibandingkan status manajemen juga tidak terbukti dapat memperkuat pengaruh keahlian keuangan komite audit terhadap manajemen laba.

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, The aim of this research is to examine the impact of financial expertise audit

committee measured by audit committee experience in accounting, supervision,

financial on earnings management with the role of status (elite university, degree

education, and multiple directorship) as a moderating variable. This research use

measurement discretionary accruals for earnings management with use model

Kasznik (1999). The result of this research shows that audit commite financial

expertise has no significant impact on earnings management. Audit committee

status higher in management status also relatively no influence the impact of

financial literacy audit committee and earnings management.]"

"Penelitian ini dilakukan untuk mengetahui bagaimana peran moderasi fitur gamifikasi aplikasi keuangan pada hubungan financial planning activity, financial attitude dan financial self-efficacy terhadap financial management behavior seseorang. Penelitian ini menggunakan sampel pengguna aplikasi keuangan yang termasuk ke dalam bagian generasi Z, yaitu penduduk yang lahir antara kurun waktu 1997-2012 serta berdomisili di wilayah Jabodetabek. Penelitian ini merupakan penelitian kuantitatif dengan survei cross-sectional. Metode Covariance Based-Structural Equation Model (CB-SEM) digunakan untuk mengolah data primer dengan bantuan software LISREL 8.8. Hasil penelitian menunjukkan bahwa financial planning activity (FPA), financial attitude (FA) dan financial self-efficacy (FSE) pengaruh positif terhadap financial management behavior (FMB) individu. Selain itu, fitur gamifikasi pada aplikasi keuangan secara positif signifikan memoderasi pengaruh financial planning activity terhadap financial management behavior individu, namun secara negatif signifikan memoderasi pengaruh financial self efficacy terhadap financial management behavior individu. Terakhir, fitur gamifikasi tidak memiliki peran moderasi yang signifikan terhadap hubungan financial attitude dan financial management behavior individu.

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This research was conducted to find out the moderating role of financial application gamification features in the relationship between financial planning activities, financial attitudes and financial self-efficacy towards a person's financial management behavior. This study uses financial application users as a sample who are part of the Z generation (born between 1997-2012) and domiciled in the Jabodetabek region. This research is a quantitative study with a cross sectional survey. The Covariance Based-Structural Equation Model (CB-SEM) method was used to process primary data with the help of LISREL 8.8 software. The results showed that financial planning activity (FPA), financial attitude (FA) and financial self-efficacy (FSE) had a positive effect on individual financial management behavior (FMB). In addition, the gamification feature in financial applications significantly moderates the effect of financial planning activities on individual financial management behavior, but negatively moderates the influence of financial self-efficacy on individual financial management behavior. Finally, the gamification feature does not have a significant moderating role on the relationship between financial attitude and individual financial management behavior."

"Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan keuangan terhadap perilaku keuangan. Pengetahuan keuangan terdiri dari objektif dan subjektif menurut Kim et al, dimana pengetahuan keuangan objektif terdiri dari lima soal terkait dengan pengetahuan dasar ekonomi dan keuangan, sementara pengetahuan keuangan subjektif merupakan penilaian diri terkait tingkat pengetahuan keuangan. Perilaku keuangan terdiri dari jangka pendek dan jangka panjang yang berdasarkan pada Kim et al. Perilaku keuangan jangka pendek terdiri dari kepemilikan dana emergensi, pengeluaran, kepemilikan anggaran, dan pencatatan pengeluaran. Sementara itu, perilaku keuangan jangka panjang terdiri dari topik terkait investasi, dana pensiun, dan kepemilikan tujuan finansial. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei yang menggunakan purposive sampling. Kriteria sampel penelitian ini adalah generasi milenial di Jakarta yaitu yang berusia 19-37 tahun. Total responden yang diperoleh penelitian ini adalah 326 orang yang merupakan generasi milenial di Jakarta. Teknik analisis yang digunakan penelitian ini adalah regresi logistik dan ordered logistic regression. Hasil penelitian menunjukkan adanya pengaruh pengetahuan keuangan terhadap perilaku keuangan baik jangka pendek maupun jangka panjang secara signifikan.

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This research aims to explain the effect of financial knowledge on financial behavior. Financial knowledge consists of objective financial knowledge and subjective financial knowledge which is used by Kim et al. Objective financial knowledge contains five questions about basic economics and financial knowledge, whilst subjective financial knowledge based on self-assessment of levels of financial knowledge. Financial behavior consists of short-term and long-term financial behaviors used by Kim et al. Short-term financial behavior consists of emergency funds, spending, budgeting, and recording expenses. Long-term financial behavior related to investment, retirement, and financial goals. This research uses a quantitative approach which uses purposive sampling survey method to gather data. The sample criteria for this study are millennials in Jakarta, 19-37 years old. The total respondents in this study are 326 millennials in Jakarta. This study employs logistic regression and ordered logistic regression as analysis methods. The result of this research indicates that there is a significant positive effect of financial knowledge on financial behavior."

"Dalam beberapa tahun terakhir, akademisi telah menunjukkan minat yang meningkat untuk memahami apa yang ada di balik pasar Islami, pasar Halal, pemasaran Islami, dan branding Islami (Shah et al., 2019; Al-Kwifi et al., 2019; Tabrani dan Marlizar, 2017). Baru-baru ini, hijab telah diselidiki juga dari perspektif mode dan istilah "hijabista" telah diciptakan untuk menandakan "wanita Muslim yang bergaya dalam busana sambil tetap berpegang pada rangkaian pakaian 'sederhana' yang sesuai dengan kode berpakaian Islami" (Waninger, 2015). Niat pembelian hijab menjadi faktor penting dalam mendorong individu untuk membeli produk hijab, yang pada gilirannya dapat mempengaruhi mode Muslimah dan industri hijab secara keseluruhan. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi niat pembelian hijab dan peran religiusitas sebagai faktor moderator dalam hubungan tersebut. Untuk menguji 8 hipotesis yang sesuai dengan model penelitian, desain penelitian survey digunakan dalam penelitian ini. Data dikumpulkan dengan menggunakan kuesioner yang dikumpulkan dari 220 responden dengan convenience sampling dengan metode judgemental sampling. Selanjutnya Structural Equation Model (SEM) untuk menguji hipotesis tersebut. Hasil pengolahan data memperlihatkan pengaruh sikap, norma subjektif, persepsi kontrol perilaku, gaya busana, dan sumber pengetahuan mempengaruhi niat pembelian hijab dengan religiusitas sebagai moderasi antara variabel sikap, norma subjektif, persepsi kontrol perilaku terhadap niat pembelian hijab di Indonesia.

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In recent years, academics have shown an increasing interest in understanding what lies behind Islamic markets, Halal markets, Islamic marketing and Islamic branding (Shah et al., 2019; Al-Kwifi et al., 2019; Tabrani and Marlizar , 2017). Recently, the hijab has been taken into account also from a fesyen perspective and the term “hijabista” has been coined to denote “Muslim women who dress in style while adhering to a range of 'modest' clothing that complies with the Islamic dress code” (Waninger, 2015). Hijab purchase intention is an important factor in encouraging individuals to buy hijab products, which in turn can influence Muslimah fesyen and the hijab industry as a whole. This study aims to identify the factors that influence the intention to buy hijab and the role of religion as a moderating factor in this relationship. To test the 8 hypotheses according to the research model, a survey research design was used in this study. Data were collected using a questionnaire collected from 220 respondents by convenience sampling with a judgmental sampling method. Next is the Structural Equation Model (SEM) to test the hypothesis. The results of data processing show the influence of attitudes, subjective norms, perceived behavioral control, fesyen styles, and sources of knowledge that influence the intention to buy hijab with religiosity as a moderation between attitude variables, perception norms, behavioral perceptions on hijab purchase intentions in Indonesia."

"Kelestarian lingkungan telah menjadi isu yang hangat dibahas di seluruh dunia. Maka dari itu, keberlanjutan perlu menjadi bagian integral dari pengembangan strategi perusahaan agar tetap relevan dan kompetitif pada iklim usaha saat ini. Industri sepatu global adalah industri yang masif dan diproyeksikan akan terus berkembang. Penelitian ini bertujuan untuk menganalisis secara empiris mengenai faktor-faktor yang secara langsung dan tidak langsung mendorong Green Purchase Intention. Sampel penelitian ini adalah konsumen yang pernah membeli produk sepatu dengan bahan dasar daur ulang dari 4 merek sepatu terbesar di dunia, yaitu Nike, Adidas, Skechers dan Puma di Indonesia.  Survei terhadap 188 responden dilakukan melalui kuesioner daring, dan data dianalisis dengan menggunakan Partial Least Squares Structural Equation Modelling (PLS-SEM). Hasil penelitian menunjukkan bahwa Green Brand Positioning dan Perceived Value memiliki pengaruh positif dan signifikan terhadap Green Purchase Intention. Penelitian ini juga menunjukkan bahwa terdapat efek moderasi Green Brand Knowledge pada pengaruh Green Brand Positioning dan Perceived Value terhadap Green Purchase Intention.

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Environmental sustainability has become a rising issue discussed throughout the world. Therefore, sustainability needs to be an integral part of developing corporate strategy to remain relevant and competitive in the current business climate. The global shoe industry is a massive industry and is projected to continue to grow. This study aims to empirically analyze the factors that directly and indirectly encourage Green Purchase Intention. The sample of this research is consumers who have purchased shoes with recycled materials from the 4 biggest shoe brands in the world, namely Nike, Adidas, Skechers and Puma in Indonesia. The survey of 188 respondents was conducted via an online questionnaire, and the data was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results of the study show that Green Brand Positioning and Perceived Value have a positive and significant influence on Green Purchase Intention. This study also shows that there is a moderating effect of Green Brand Knowledge on the effect of Green Brand Positioning and Perceived Value on Green Purchase Intention."

"Penelitian ini bertujuan untuk mengetahui pengaruh konsumsi status terhadap kesadaran akan fesyen dan status pada merek diantara Generasi Y atau yang dikenal sebagai generasi millennial konsumen Muslim di Indonesia dalam kesediaan untuk membayar dengan harga premium pada fesyen muslim dan religiusitas sebagai variabel moderasi. Data diperoleh dari penyebaran kuesioner kepada 209 responden beragama muslim dan berumur 22 ndash; 37 tahun di Indonesia yang mengetahui merek premium pada situs Hijup. Analisis data dilakukan melalui analisis deskriptif dan partial least squares menggunakan Smart PLS 3.0. Sebagai negara penduduk Muslim terbesar di dunia, Indonesia dipilih karena menarik untuk melihat hubungan antara perilaku konsumen dan tingkat religiusitas mereka terhadap keputusan konsumsi akan status dan kesadaran akan fesyen mereka. Kata kunci: Muslim, Pakaian, Perilaku konsumen, Religiusitas.

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This study aims to determine the effect of status consumption and status brand among Generation Y or known as Millennials of Muslim consumers in Indonesia towards willingness to pay price premium and religiosity as a moderation variable. The data is collected from a survey questionnaire to 209 Muslim with age around 22 37 in Indonesia who knows the premium brands on the Hijup website. The data are processed by descriptive analysis and partial least squares using Smart PLS 3.0. As the world 39s largest Muslim population, Indonesia was chosen because it is interesting to see the relationship between consumer behavior and their level of religiosity towards status consumption and fashion consciousness in consumption decision. "