International Journal of Social and Management Studies

THE ROLE OF MODERATING EFFECT OF SOCIAL DEMOGRAFY TO FINANCIAL LITERACY , SELF CONTROL , AND RISK TOLERANCE ON FINANCIAL BEHAVIOR SHOPEE USER PAYLATER IN DIY

2025-11-04T11:14:27+07:00

The development of paylater services such as Shopee PayLater brings new challenges in personal financial management. This study aims to analyze the effect of financial literacy, self-control, and risk tolerance on the financial behavior of Shopee PayLater users in DIY , and test the role of social demography as a moderating variable. This research uses a quantitative approach with a survey method of 380 respondents who are active users of Shopee PayLater. The research was conducted for months from July through October 2023. The analysis technique used was Structural Equation Modeling Partial Least Square (SEM-PLS) and Multi Group Analysis (MGA). The results show that financial literacy, self-control, and risk tolerance have a positive and significant effect on financial behavior. In addition, social demographics proved to moderate the relationship between the three independent variables and financial behavior. These findings provide important implications in increasing financial awareness and risk management in the use of PayLater services, especially for certain demographic groups.The study still has limitation that financial behavior scope user pay later in DIY, Future research to expand this scope in Central Java.

The Mediating Role of Leadership and Perception of Artificial Intelligence Use in the Influence of Happiness on Innovative Work Behavior

2025-10-27T10:35:36+07:00

Innovative work behavior (IWB) of medical personnel is an important factor in improving the quality of hospital healthcare services, as it can encourage work effectiveness and service quality. This study aims to examine the effect of happiness on IWB with the mediating role of transformational leadership (TL) and the use of AI in medical personnel. The study population consisted of all medical personnel at Purwokerto Islamic Hospital, and a purposive sampling technique was used to obtain 184 respondents as a sample. This study used SEM-PLS analysis on the SmartPLS 4.0 application with Social Exchange Theory as the basis for the approach to the relationship between variables. The results showed that happiness had a positive and significant effect on IWB, both directly and through the perception of AI use as a mediating variable. However, TL was not proven to mediate the effect of happiness on IWB. This study emphasizes the importance of hospitals creating a work environment that supports the psychological well-being of medical personnel and optimizing positive perceptions of the use of AI through appropriate training and governance to support innovation effectively.

The Influence of The City of God on Calvin's Concept of Church and State

2025-11-10T13:15:10+07:00

The significance of John Calvin for modern times is clearly expressed in these words: "The sixteenth century was an extraordinary century”. Of all the people who made this century great, only Calvin has made broad contributions to the wider country. Calvinism is the name given to the system of thought that was revealed to us by John Calvin. He is recognized as the main initiator of this system, even though he is not the creator of the ideas contained in it. Calvin's theological views, along with other great leaders of the Protestant Reformation (Augustine and Martin Luther), are known as the rise of Augustinianism, which in turn is the same as the revival of the teachings of the Apostle Paul. But it was Calvin who first presented the basics of this view for modern times, in the systematic form and with the special application that we know from his time as Calvinism. Calvinism does not limit itself to theology; Calvinism is a comprehensive system of thought, which includes views on politics, society, science, and art, in addition to theology. A Calvinist tries to apply the truth of the Scriptures. Calvinism does not stop at the church structure, but extends within one system of life, and Calvinism elevates Christianity to the highest spiritual beauty; Calvinism created the church structure, which was a prerequisite for the confederate state; Calvinism developed a political scheme, which gave birth to constitutional government, both in Europe and in America; Calvinism promotes holiness through high moral standards in our social environment. Calvinism places under Church and State, under society and household circles, a strict philosophical conception. This dissertation is written in a qualitative method, "analyzing the data collected in the study, the main findings resulting from the data analysis". Qualitative research usually uses descriptive methods such as observation, data study, using data that can be analyzed through data or literature studies. This dissertation is written from the background of John Calvin's life, his conversion, even since he was a child, Calvin was happy to study law. The author explains the historical context of the institute, as well as the influence of the concept of civil government from Augustine (City of God) and Martin Luther (Two Kingdoms); the explanation is continued with the concept of civil government according to John Calvin, through the principles of government, also explains Calvin's ideas in relation to theocracy.

Analysis of Paintings by Children with Autism as an (Art Therapy Effort)

2025-11-04T09:54:14+07:00

This study aims to obtain the characteristics of the appropriate creative process in art therapy. Through this descriptive analysis, the characteristics of the appropriate work created through the art therapy process will be discovered. The main focus of the study is to analyze the paintings of autistic individuals studied through the art therapy process. This study used a descriptive qualitative research method, namely analyzing the works of 9 autistic children in Yogyakarta, Bandung, and Jakarta. The main focus of the study was to collect qualitative data through interviews, questionnaires, and observations covering the process of representation of the work, namely: (1) the process of objectification, (2) the process of symbolization, and (3) the process of expression. The technique of analyzing the painting is related to the use of symbols and ways of expressing. The results of the study show that the process of creating the work is carried out through an unexpected process, achieving visual surprise (aha erlebnis), honesty in expressing inner thoughts (silent expression), incidental and spontaneous expression (spontaneous expression). However, in some of the individual works studied, visual achievements were found that did not reflect honesty and spontaneity (spontaneous expression). This is likely due to the role of teacher and parent intervention that directed towards a good final result so that it did not reflect the honesty of the child's work