ProBisnis : Jurnal Manajemen

Pengaruh Literasi Keuangan, Inklusi Keuangan, Aplikasi Keuangan Digital, Pendapatan dan Gaya Hidup terhadap Perilaku Menabung Generasi Z di Purwokerto

Marlia Neni Nadiati — 2026-03-12

This study aims to analyze the influence of financial literacy, financial inclusion, digital financial applications, income, and lifestyle on the saving behavior of Generation Z in Purwokerto. Saving behavior among the younger generation has shifted significantly, driven by rapid technological advancements and the emergence of digital financial platforms that simplify access to savings and investment instruments. Employing a quantitative approach, this research utilized a survey method with questionnaires distributed to 100 respondents selected via accidental sampling. Data were analyzed using multiple linear regression. The results indicate that financial literacy, financial inclusion, digital financial applications, and income have a positive and significant impact on saving behavior. Conversely, a consumptive lifestyle was found to have a negative and significant effect. These findings suggest that enhancing financial knowledge, expanding inclusion, and leveraging digital tools are essential for improving the saving habits of Generation Z, while a high level of consumerism remains a primary barrier to financial discipline.

Pengaruh Literasi Keuangan, Motivasi Investasi, Persepsi Risiko, Pengaruh Sosial, dan Modal Minimal terhadap Minat Investasi Saham pada Generasi Z

Luthfi Nur Azizah — 2026-03-12

This study aims to analyze the influence of financial literacy, investment motivation, risk perception, social influence, and minimum capital on stock investment interest among Generation Z. The population consisted of 134 members of the Beginner Stock Investor Community in Purwokerto, and the sampling technique used was probability sampling with a simple random sampling method, resulting in 101 respondents. This research employed a quantitative approach using a survey method through the distribution of questionnaires, and the data were analyzed using multiple linear regression analysis. The results indicate that financial literacy, investment motivation, social influence, and minimum capital have a positive and significant effect on stock investment interest, while risk perception has a negative and significant effect on stock investment interest. The limitation of this study is that it was conducted only among members of the Beginner Stock Investor Community in Purwokerto, so the findings cannot be broadly generalized to all Generation Z individuals in other regions or communities with different characteristics.

Pengaruh Lingkungan Kerja dan Budaya Organisasi terhadap Kinerja Karyawan: Peran Mediasi Kepuasan Kerja (Studi Kasus di RSUD dr. H. Jusuf SK)

Agung Pratama — 2026-03-22

Pemanfaatan Kinerja karyawan merupakan faktor kunci dalam menjamin kualitas layanan rumah sakit publik, namun masih sering dihadapkan pada persoalan lingkungan kerja yang kurang kondusif dan budaya organisasi yang belum kuat, sehingga menurunkan kepuasan dan motivasi kerja karyawan, khususnya di rumah sakit daerah seperti RSUD dr. H. Jusuf SK yang menghadapi keterbatasan sumber daya dan tekanan beban kerja yang tinggi; oleh karena itu penelitian ini bertujuan menganalisis pengaruh lingkungan kerja dan budaya organisasi terhadap kinerja karyawan dengan kepuasan kerja sebagai variabel mediasi melalui pendekatan kuantitatif menggunakan survei dan analisis Structural Equation Modeling berbasis Partial Least Squares, dan hasil penelitian menunjukkan bahwa lingkungan kerja dan budaya organisasi berpengaruh positif dan signifikan terhadap kepuasan kerja serta kinerja karyawan, di mana kepuasan kerja terbukti memediasi hubungan tersebut, sehingga secara teoretis memperkuat model hubungan perilaku organisasi dalam konteks rumah sakit publik dan secara praktis memberikan implikasi bagi manajemen RSUD dr. H. Jusuf SK untuk memprioritaskan perbaikan kondisi kerja dan penguatan nilai budaya organisasi guna meningkatkan kepuasan, kinerja, dan kualitas layanan kesehatan.