This research analyzes the financial management behavior of productive age groups in Bukittinggi. Samples of this study are 100 people of productive age community from 18 to 55 years old obtained by snowball sampling technique. The data analysis method is Structural Equation Modeling (SEM) using the AMOS program. The results showed that financial knowledge and income had a positive and significant effect on the behavior and personal financial management of productive age people in Bukittinggi, whereas locus of control had no effect in mediating the relationship between financial knowledge and income on personal financial management behavior of productive age people in Bukittinggi.
In recent years, the use of e-money in many countries as a non-cash payment mechanism has increased. To evaluate the determinant factors of e-money adoption, a variety of studies have been performed. The goal of this research is to examine e-money usage behavior using the model of UTAUT (Unified Theory of Acceptance and Use of Technology). The conduct of usage shows how much e-money is used as a payment form. 193 e-money consumers in West Sumatra who were taken by online surveys were a sample of this analysis. The data was evaluated using Structural Equation Modeling-Partial Least Square (SEM-PLS). The findings found that three UTAUT variables have been identified that have a major impact on behavioral intentions, namely effort expectations, social influences and facilitating conditions. Interestingly, the UTAUT variable has no direct effect on the use behavior of e-money. This finding indicates that effort expectations, social effects and facilitating conditions can only impact the desire of the consumer to use e-money and have no effect on the strength of the use of e-money. This study's result may lead to other researchers who want to examine the influence of the use of technology on individual outcomes.
Soap as a cleaning product has been the primary needs since the spread of Covid-19. Government regulations require people to wash their hands. Hence the demand for soap production is increasing. This study aimed to obtain a Traveling Paper Soap formulation from VCO and durian seeds for antibacterial activity on the skin. The experimental laboratory method uses quantitative and qualitative descriptive analysis. The treatment in this study was the production of Durian Seed Bioethanol with a bioethanol capacity of 19.95% from the hydrolysis of 486 g of Durian Seed flour. The treatment in this study was the manufacture of durian seed bioethanol with a bioethanol content of 19.95% from the hydrolysis of 486 g of durian seed flour. The parameters of the bioethanol viscosity test were 0.7137 cP, and the bioethanol density was 0.9669 g/mL. Based on our research, the best traveling paper soap results are formulation 2 with a water content of 7%, pH value of 10, free alkali content of 0.21%, and antibacterial activity against Staphylococcus Epidermis of 22.3 mm. According to the Indonesian National Standard Mandatory Solid Soap, SNI 3532:1994, it shows that soap complies with the SNI 3532:1994 standard.
The purpose of this study is to analyze 1) the effect of satisfaction on service quality toward loyalty, 2) the effect of promotion toward loyalty, 3) the effect of satisfaction on the service quality and promotion simultaneously toward loyalty. The type of this study is causality research. The population of this study is all the people who use the services of UPT Puskeswan and IB Kota Pariaman. The sample size of this study is 100 respondents. The variables of this study are satisfaction on service quality and promotion as independent variables and loyalty as the dependent variable. The sampling technique using accidental sampling. Data collection is done by filling out questionnaires, and data analysis techniques used to test hypotheses is multiple linear regression. The results of this study found that: 1) The satisfaction on service quality has a significant effect toward loyalty. It means that loyalty is influenced by satisfaction on service quality positively. The higher the level of client satisfaction on service quality, certainly it will increase client loyalty. 2) Promotion has a significant effect toward loyalty. This means that loyalty is positively influenced by promotion. The more routine the form of promotion carried out; it will certainly increase client loyalty. 3) The satisfaction on service quality and promotion together has a significant effect toward loyalty. The higher the level of client satisfaction on service quality and also supported by effective promotional activities, it will certainly increase client loyalty.
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