Financial Literacy with Risk as a Moderation Variable in Students of Universitas Pembangunan Nasional “Veteran” East Java

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Technology is a tool that facilitates access to the power needed by humans. The development of digital technology has penetrated the economic field, this phenomenon has changed the prospects of the financial sector around the world. As a result of these changes, a new phenomenon has emerged, namely financing that was previously traditional to digital, this phenomenon is called financial technology.

Purpose: This research aims to determine the effect of financial literacy and ease of use on interest in using Financial Technology with risk as a moderation variable.

Patients and methods: The analysis method employed is a moderation test on smart pls

Results: The research findings indicate that financial literacy has a direct impact on the use of financial technology, ease of use has a direct impact on interest in using financial technology, and that financial literacy is moderated by risks to interest in using financial technology but cannot contribute, and ease of use is moderated by risk to interest in using financial technology but cannot contribute.

The Effect of Job Stress and Organizational Climate on Turnover Intention with Job Satisfaction as a Mediation Variable

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Human resources (HR) is a crucial aspect that determines the effectiveness of an organization. Therefore, organizations need to pay attention to the turnover rate within their companies. This research aims to determine the effects of job stress and organizational climate on turnover intention, mediated by job satisfaction. The sample of this study consists of 200 employees from a housing development company scattered across the city of Bandar Lampung. Data collection was carried out through a questionnaire using probability sampling techniques and processed using Structural Equation Modeling (SEM) with the assistance of AMOS software. The results of the study show that job stress has a positive and significant impact on the turnover of employees in the housing development company in Bandar Lampung, while organizational climate has a negative and significant impact on employee turnover. Job satisfaction mediates the effects of job stress on turnover intention, and job satisfaction also mediates the effects of organizational climate on turnover intention. Companies can offer mental well-being support programs, open communication channels for all employees, periodically evaluate the workload of employees, and conduct interviews with employees regarding the primary reasons for the desire to leave the company.

Purpose: The aim of this research is to determine the effects of job stress and organizational climate on turnover intention, mediated by job satisfaction.

Patients and methods: The sample of this research consists of 135 employees from a housing development company in Bandar Lampung. Data collection was carried out through a questionnaire based on the simple random sampling method, with the sampling technique being probability sampling.

Results: The results of the study show that job stress has a positive and significant impact on the turnover of employees in the housing development company in Bandar Lampung, while organizational climate has a negative and significant impact on employee turnover. Job satisfaction mediates the influence of job stress on turnover intention, and job satisfaction also mediates the effects of organizational climate on turnover intention.

Conclusion: Companies can offer mental well-being support programs, open communication channels for all employees, periodically evaluate the workload of employees, and conduct interviews with employees regarding the primary reasons for the desire to leave the company.