This research effort empirically tests three factors hypothesized to affect Indonesian millennials' predisposition to engage in ecotourism experiences, namely universalism value, horizontal collectivism and user generated content (UGC). Indonesia is generally considered a collectivist (as opposed to individualistic) society, yet there is variance in both universalism value and horizontal collectivism. Two studies were conducted, one at 'soft', and another at 'hard' ecotourism sites. Findings showed that universalism value is positively related to ecotourism predisposition. UGC has a marginal moderating effect on the universalism → ecotourism predisposition. Horizontal collectivism also has a marginal moderating effect on the universalism → ecotourism predisposition in soft ecotourism but has significant effect in hard ecotourism. Both have direct effects on ecotourism predispositions. Managers must recognize that millennials can be segmented based on both universalism value and horizontal collectivism; and that to appeal to those with higher levels on these value dimensions UGC should be encouraged.

Financial literacy is an important factor in improving people's economic welfare. When a person's financial literacy is high, it is certain that the quality of life and welfare will also increase. This can happen because of the higher one's financial literacy, the better one's financial behavior. Students are the driving force of the nation's economy because students have the largest population, character, and literacy level. However, students are also faced with various very complex financial problems because some students still do not have their own source of income while the level of student needs is high. For this reason, students need to gain more knowledge about financial literacy through financial management learning models in their courses. This was done by the Hotel & Tourism Business study program at Ciputra University, Surabaya batch 2019 and 2020. However, in the process, it is necessary to evaluate the effectiveness of whether teaching changes the financial behavior of students. We used linear regression analysis to process the data in this study. Based on the description above, this study aims to find the effect of financial literacy on financial behavior with financial management teaching as a moderation. The results of this study indicate that there are significant differences in perceptions related to financial behavior between someone who has high and low financial literacy, while the teaching of financial management has a positive effect in moderating the relationship between financial literacy and financial behavior but is not significant.

The implementation of automation is very much needed for millennials generation because in the middle of year 200, the hotel industry, especially in the city of Surabaya has entered the era of the industrial revolution 4.0, which is shown by the developing digital technology rapidly. This affects a person lifestyle from the way they work, socializing, behavior or habit, making decision to shop and stay somewhere. In determining where to stay, the millennials taking advantage of technological advances by looking for preferences on website or social media. Using the post-positivism philosophy and descriptive approach to the Hotel Ciputra World Surabaya as the object of research, four informants were chosen to represent millennial generation as hotel guests and triangulation of resources was conducted with hotel staff managing technology and dealing with guests at the hotel. It turns out that the automation technology that has been implemented at Ciputra World Hotel Surabaya does not currently have a significant impact on the decision of millennial generation stays due to the lack of information about the existence and benefits of technology to guests. This failure became a lesson for Ciputra World Surabaya Hotel to first explore the perceptions expected by millennials as the future market segment regarding the implementation of automation first, namely the concept of all in one in mobile apps.

Increasing public awareness of the environment has made companies implement green product and green promotion strategies to increase consumer loyalty. So, the purpose of this study was to determine the influence between green product and green promotion on consumer loyalty at Starbucks Coffee. This study used a sample of 203 respondents who were processed by multiple linear regression. The results showed that the green product and green promotion partially had a positive and significant effect on consumer loyalty. Green products have the biggest influence on consumer loyalty. This shows that green products have an important role in increasing consumer loyalty at Starbucks Coffee. Also the green promotion can increase the consumer loyalty too.

Types of receipts at hotels can be divided into cash receipts and receivables where guests who come can come from individuals and companies. Cash payments can also be through bank transfers from a savings account or through a credit card. The continuity of the hotel business is very dependent on the smooth reception of all guests. The challenge occurs when the receivables are due but there is no repayment, or only partial payment is paid so that the Account Receivable plays a very important role in the smooth flow of cash and a review of the receiveable account function is needed for the smooth flow of cash at the Fairfield by Marriott Hotel Surabaya. Using a simple philosophy of phenomenology that is descriptive, three informants from the finance department were determined through in-depth interviews and researcher involvement during the apprenticeship process, the results of which were triangulated with theories on which thinking was based. It was found that the reality on the ground in accordance with the existing theory is that receivable accounts can convert hotel receivables into cash which is an important source of revenue and can be used for operational costs for hotels. If the hotel finances begin to be unhealthy, then it is because there are problems with financial performance, and if this happens continuously the hotel will bear the possibility of losses. The receiveable account section should pay special attention to preparing a billing schedule, making provisions for payments, and providing an assessment of the debtor so that management can determine further strategic steps in maintaining the financial health condition of the company.