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Junarti Junarti

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Open access Aug 2026

Financial Anxiety, Doom Spending, and Financial Well-Being Among Paylater Users: The Moderating Role of Financial Literacy

This study examines the relationships among financial anxiety, doom spending, financial literacy, and financial well-being among PayLater users in Indonesia. A quantitative cross-sectional design was employed, utilizing purposive sampling, to collect data from 50 active PayLater users. Data were analyzed using Partial...

H. Husnayetti, Lutfi Hidayati, Tri Astuti et al. · 0 citations
Open access Sep 2026

Value-added tax understanding, financial management, and the financial well-being of Generation Z

Purpose: This study examines the effects of value-added tax (VAT) understanding and financial management on the financial well-being of Generation Z in Tangerang City, Indonesia, and tests whether the two factors jointly explain this outcome. Methodology/approach: A quantitative, causal-explanatory design was applied....

Putri Andini, Junarti Junarti, Silvi Reni Cusyana · 0 citations

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