Financial difficulties commonly occur in college students' lives. Problems might be caused by a lack of understanding about managing money, such as falling into the temptation of buying unnecessary discounted goods or choice justification. The research aims to understand how mental budgeting influences purchasing discounted items and choice justification. In the study, two experiments were undertaken to explain the reaction of discount, and two others to describe choice justification (N=169 in Indonesia, N=168 in China). Mann-Whitney U and ANOVA tests were used to analyze the experiments. Mental budgeting scales were also employed in experiments 3 and 4. The results show that when individuals receive a discounted offer for luxury goods, they will fall into the temptation of buying them. This takes place because they do not want to lose the opportunity to obtain such goods at a cheap price. In addition, when individuals receive offers related to physiological needs (i.e., food), they will practice choice justification. This means that all people need to understand the concept of mental budgeting and make realistic budgets.

The aim of this research is to obtain our knowledge about the impact of money attitude and conscientiousness toward mental budgeting and to understand the different perspective between Indonesia and China. The result was found that Indonesian people had the dimension of retention-time in money attitude and high conscientiousness while Chinese people had a positive impact on the dimension of power-spending, distrust, and conscientiousness. These results are examined in the purpose for all the parents to take good care of their children before they fall to the materialistic attitude, especially in the millennium era when the number of people who use e-money are raising.

Marketing strategies in e-commerce have a main goal, that is to pursue customer loyalty. Sociolla is an e-commerce company that sells cosmetic products and has a recommendation feature to make it easier for customers during the shopping process. These recommendations can trigger customer satisfaction and generate loyalty. The purpose of this study was to examine the correlation between online product recommendation and customer loyalty with product brokering efficiency as a mediator. 179 Sociolla customers were recruited in this study using convenience sampling. The data were analyzed using the SPSS-Process Hayes model 4. Results showed that perceived decision quality acts as a mediator in the relationship between enablers and customer loyalty (β = .20, [ .13; .27]). It can be concluded that recommendations that are comprehensive, clear, and meet the customer needs will make it easier for customers to make purchasing decisions, which ultimately leads the customers to form loyalty toward the products.

Consumers who have used Apple-branded smartphones have greater probability that they will continue to buy iPhones in the future. This is because customers feel satisfied and have identified the product before making a purchase, creating loyalty for the Apple brand. The purpose of this study is to examine the role of customer satisfaction and brand trust as mediators in the relationship between consumer-brand identification and brand loyalty. Participants in this study consisted of 155 consumers and obtained by using accidental sampling technique. Data analysis used the Hayes Process model 4, which explains that customer satisfaction can act as a mediator in the relationship between consumer-brand identification and brand loyalty, while brand trust cannot act as a mediator. Brand loyalty is not sufficiently formed when consumers can identify the brand well or there is satisfaction with the brand, but rather by the essential emotional bond that makes consumers rely on the brand. However, this has not been fulfilled by the iPhone to make consumers have brand loyalty.

Objektif: Pengelolaan keuangan yang baik pada kehidupan mahasiswa rantau akan dapat berdampak pada financial well-being. Hipotesis dari penelitian ini adalah financial stress dapat berperan sebagai mediator pada hubungan antara money attitudes terhadap financial well-being.Metode: Responden pada penelitian ini adalah mahasiswa rantau yang tinggal di Surabaya berusia 17-22 tahun dan berjumlah 267 responden. Teknik pengambilan sampel menggunakan accidental sampling. Metode analisis data menggunakan PROCESS HAYES model 4.Temuan: Hasil penelitian ini menjelaskan bahwa financial stress dapat berperan sebagai mediator (parsial) dengan nilai negatif, dimana aspek power prestige dan distrust dalam money attitudes berhubungan positif dengan financial well-being.Kesimpulan: Hal ini menjelaskan bahwa mahasiswa rantau menganggap uang sebagai simbol kesuksesan, dapat memberikan kesan yang baik bagi orang lain, dan menimbulkan financial well-being serta tidak mengalami financial stress. Selain itu, kondisi ini akan sangat berdampak pada nilai akademik dan kesehatan mental para mahasiswa rantau jika mereka salah dalam mengelola keuangannya.