Private Employees Research Articles

Extramammary Paget's Disease of the Vulva: A Rare Case Report

Background: Extramammary Paget’s Disease (EMPD) is a rare disease characterized by intraepithelial involvement of the skin by non-squamous carcinoma cells in areas containing apocrine glands such as the vulva, perineum, perianal area, scrotum, and penis. Case presentation: A 48 year old woman complained of a non-healing wound in the genital area for 1 year. The wound feels painful and does not bleed easily. No lumps were found anywhere else. The patient works as a private employee with minimal exposure to sunlight. No history of trauma. There is a history of surgical biopsy with the result of a malignant tumor with an impression Extramammary Paget Disease. Conclusion: We present a case of a rare malignant tumor with EMPD impression of the vulva, extending to the perineum and suprapubic.

Pengaruh Saving Behavior dan Literacy Finance Terhadap Retirement Preparedness pada Karyawan Swasta di PT. FCC Indonesia

The aim of this research is to find out how saving habits and financial literacy at PT. FCC Indonesia private workers influence their preparation for retirement. This research methodology combines purposive sampling and survey methodology with a quantitative descriptive approach. Because retirement readiness must be prepared from an early age, the object of research is PT FCC Indonesia, with a sample size of 100 respondents aged 20 to 40 years. The findings of this study indicate that saving and financial literacy significantly improve a person's preparation for retirement. Although financial literacy is necessary to increase awareness of money and can help people make the right financial decisions, including the decision to invest in retirement, saving behavior is very important to grow savings that can be used to meet living expenses in retirement. The fact that this research is limited to PT. FCC Indonesia and its small sample size is one of its weaknesses. In order for the research findings to be applied more widely, larger sample sizes and more geographic locations should be used in future research. Based on research findings, private employees at PT. FCC Indonesia's preparation for retirement is greatly influenced by their savings and financial literacy. This is consistent with other research which finds a positive correlation between saving behavior, financial literacy, and retirement preparation. Knowledge about the variables that influence private employees' retirement preparations is further advanced through this research. This study implies that to ensure private sector employees' financial readiness for retirement, it is important to increase their level of financial literacy and saving behavior.

The Relationship of Hypertension with Death in Covid-19 Patients Treated at Tugurejo Hospital Semarang

Covid-19 is a disease caused by SARS-CoV-2. Hypertension is a comorbidity that can be experienced by COVID-19 patients and is associated with an increased risk of severity and death. The purpose of this study is to look at the relationship between hypertension and death in COVID-19 patients treated at Tugurejo Hospital Semarang. This study is a quantitative study that uses an analytical observational design and a cross-sectional approach. The sampling technique was purposive sampling (judgment sampling) on 84 COVID-19 patients treated at Tugurejo Hospital Semarang for the May-November 2021 period. Data were obtained from medical records and analyzed univariately and bivariately with the Chi-Square test. Most patients were aged ≥50 years (40.5%), male (53.6%), high school educated (51.2%), employed as private employees (42.9%), suffered from hypertension (53.6%) and did not experience death (51.2%). The Chi-Square test resulted in a significant association between hypertension and death of COVID-19 patients (p = 0.031). There is an essential relationship between hypertension and death in COVID-19 patients at Tugurejo Hospital Semarang.

Factors influencing canine rabies vaccination among dog-owning households in Nigeria

Rabies perpetuates in Nigeria despite initiatives like the Regional Disease Surveillance System Enhancement Project, with evidence indicating suboptimal canine vaccination rates as a contributing factor. To inform effective planning of mass dog vaccination campaigns, it is crucial to understand the factors associated with variation in canine vaccination rates. We conducted a cross-sectional study in 2022 to understand factors associated with canine vaccination. We used stratified random sampling of the streets and dog-owning households to survey 4162 households from three states and the Federal Capital Territory (FCT). We then built a joint probabilistic model to understand factors associated with dog vaccination and non-vaccination. First, we modelled rabies knowledge as a latent variable indirectly measured with several targeted survey questions. This method allowed a respondent's unobserved understanding of rabies to be estimated using their responses to a collection of survey questions that targeted different aspects of rabies epidemiology and took various possible response distributions (i.e., ordinal, categorical, binary). Second, we modelled factors influencing pet owners' decisions to vaccinate their dogs against rabies and barriers to dog vaccination among dog owners whose dogs were not vaccinated against rabies. Posterior distributions revealed that the probability of dog vaccination was positively associated with the owner's latent knowledge of rabies, civil servant service employment, residence in the FCT, ownership of a single dog, providing care to dogs, and a preference for contemporary treatment following a dog bite. Conversely, non-vaccination was positively associated with private employment, residing in Anambra and Enugu states, owning multiple dogs, allowing dogs to search for leftovers, and a preference for traditional treatment after a dog bite. Cost was the primary barrier against vaccination for dog owners in Anambra and Enugu, while mistrust posed a major challenge for those in the FCT. Owners in areas with veterinary establishments cited cost as a barrier, while those without a veterinary establishment cited access as the primary barrier. Our study underscores the need to enhance rabies knowledge, tailor vaccination campaigns to specific demographics, address financial and access barriers, and combat hesitancy to improve rabies vaccination rates in Nigeria.

Restraining Cyberloafing Behavior in Private Hospital Employees: Analysis of Work Stress Factors and Locus of Control

This study aimed to examine the impact of locus of control, work stress, and excessive cyberloafing on employee performance. The population of this study were private employees at hospitals in Banyumas district. This study used quantitative methods and used a sample of 182 employees (respondents) selected by the saturated sampling method. The data collection tool used was a questionnaire with a 5-point Likert scale and the type of data collected was primary data. The data obtained were analyzed using PLS (Partial Least Square). The results showed that locus of control and work stress had a positive and significant effect on the performance of Banyumas District Health Office employees. Meanwhile, cyberloafing has a negative and insignificant effect on the performance of Banyumas District Health Office employees. The result partaining to Cyberloafing revealed that internet access did not necessarily impact employees. This was due to leaders who were able to provide good instructions and supervision on how employees use the Internet while working. The adjusted R2 coefficient of determination test results showed a value of 41.9%, which means that the variables locus of control, work stress, and excessive cyberloafing can affect employee performance by 41.9%, while 58.1% are influenced by other factors.

Employment Characteristics and Tobacco Product Use, U.S., 2021

IntroductionOver 30 million U.S. working adults use tobacco, and tobacco use varies by occupation. Limited information is available on employment characteristics and tobacco use prevalence. The purpose of this study was to describe the prevalence of current tobacco use by employment characteristics and occupation group among U.S. working adults. MethodsThis cross-sectional study used 2021 National Health Interview Survey data for currently working adults (n=16,461) analyzed in 2023. Multivariable logistic regression was used to estimate adjusted odds of tobacco use by employment characteristics and occupation group. ResultsIn 2021, 20.0% of working adults used tobacco. Any tobacco use was significantly lower among workers who were offered workplace health insurance (aOR=0.86, 95% CI=0.77–0.97), had paid sick leave (aOR=0.81, 95% CI=0.73–0.91), and government vs. private employment (aOR=0.61, 95% CI=0.52–0.70). Any tobacco use was significantly higher among workers who usually worked ≥35 hours per week vs. did not usually work ≥35 hours per week (aOR=1.21, 95% CI=1.06–1.39), worked a rotating or ‘some other’ shift vs. daytime shift (aOR=1.19, 95% CI=1.02–1.38), experienced schedule instability (aOR=1.17, 95% CI=1.03–1.31), and worked while physically ill in the past 3 months (aOR=1.25, 95% CI=1.11–1.41). Tobacco use by employment characteristics also varied by occupation group. ConclusionsCurrent tobacco use varied according to employment characteristics and occupation group. Findings from this study could inform workplace tobacco cessation interventions and policies (e.g., access to paid sick leave or insurance coverage) to better support tobacco cessation and overall worker health.

A study of stress Management practices on public and private sector Bank Employees

A study of stress Management practices on public and private sector Bank Employees

Spotlight on festival travellers: Profiles, Motivations, and Experiences of Dieng Culture Festival Travellers, Indonesia

The study found a change in the motivation of visitors to the festival. This study aims to identify visitors' memorable experiences related to tourist attractions at the Dieng Culture Festival, held from 2020 to 2022. The research was conducted using a quantitative-interpretative approach, with research instruments designed to determine visitors' profiles, purposes, and experiences. The sample size consisted of 398 respondents and 5 key informants. The research methodology involved data collection through online surveys and in-depth interviews with key informants. The research findings are presented below. Based on the respondents' characteristics, it can be inferred that most visitors to the Dieng Culture Festival are over 20 years old. The primary purpose of their visit was to experience and participate in the jazz music performances held above the clouds, as indicated by 271 respondents (67.9%). The most prominent attendees are private employees, with 143 respondents (38.5%), followed by students. Notably, 321 respondents (80.5%) learned about the Dieng Culture Festival online. The gender of visitors is dominated by women, with 177 (44.4%) male respondents, while the number of female respondents is 222 (55.6%). Jazz music above the clouds is a memorable programme because it represents visitors' needs. The commodification of the Ruwatan procession of cutting dreadlocks is needed to increase the impression for visitors and strengthen the image of local cultural recognition.

Relationship between Time Perspective, Psychological Capital, and Work Performance

Abstract: The relationship between Time Perspective (TP), Psychological Capital (PsyCap), and Work Performance (WP) among employees in diverse private and service sector organizations was looked into. A quantitative cross-sectional approach was adopted, with 214 participants meticulously selected through purposive sampling. Advanced statistical tools in SPSS, such as Spearman's rho and linear regression, were utilized to rigorously examine the relationships and influences between TP, PsyCap, and WP. The findings of this study challenged traditional notions by rejecting two null hypotheses, thereby uncovering significant correlations and impacts among the variables under investigation. Notably, the research underscored the pivotal role of specific TP dimensions, particularly Past Positive and Future orientations, in shaping PsyCap's influence on WP. This nuanced understanding sheds light on the multifaceted nature of employee behaviour and performance within organizational contexts, highlighting the need for tailored interventions and strategies to enhance employee well-being and productivity.

THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL TECHNOLOGY ON GENERATION Z INVESTMENT DECISIONS (CASE STUDY OF MANAGEMENT STUDENTS OF BANDAR LAMPUNG UNIVERSITY CLASS OF 2020)

With an asset value of IDR 144.07 trillion at the end of the first semester of 2022, stock investors under 40 years old, namely gen Z and millennials by 81.64 percent. Most investors, 60.45%, work as private employees, civil servants, teachers, and students, with an asset value of Rp358.53 trillion. Demographic data shows that the majority of stock investors live on the island of Java, including 13.97% of those living in DKI Jakarta, with an asset value of Rp3,772.32 trillion. While the island of Sumatra is only 16.62%. From the explanation above, we can conclude that there is still low investment interest in several regions, especially Sumatra. The research problems are: Can financial literacy affect investment decisions in generation z in Bandar Lampung city, whether there is an influence between financial technology on investment decisions in generation z in Bandar Lampung city, whether financial literacy and financial technology can affect investment decisions in generation z in Bandar Lampung city.The purpose of this study is to determine the influence of financial literacy and financial technology towards investment decisions in generation z in Bandar Lampung city. Based on the results of the t test, it shows that the value of t calculated for Financial Literacy is greater than t table (3.687 > 1.998), and the value of sig = 0.006 < 0.05. In multiple regression analysis, financial literacy has a positive value for investment decisions. Financial technology has a positive and significant influence on the investment decisions of students or generation Z in the city of Bandar Lampung, meaning that the hypothesis is accepted. The results of the t test show that the value of t calculated by Financial Technology is greater than t table (2.515 > 1.998). In multiple regression analysis, financial technology has a positive value for investment decisions. The results of processing and analysis show that financial literacy and financial technology have a positive and significant impact on the investment decisions of generation Z in Bandar Lampung.

The adoption of ICT and robotic automation systems in the pharmaceutical industry

Background: South African pharmacies face challenges like cost reduction, inventory management, and employee efficiency. Balancing dispensing error rates and customer satisfaction, along with ensuring accurate medication dispensing, is also crucial. An effective solution to these challenges is adopting automatic robotic dispensing systems, which enhance stock inventory management, integrated systems, and accurate dispensing capabilities.Objectives: The study delved into IT and robotic automation in South African pharmaceutical dispensing, assessing current methods and advocating for integrated IT and Automated Storage and Retrieval Systems in retail and hospital pharmacies.Method: The research used a quantitative approach to gather data from public and private hospital pharmacy employees, aiming to understand their requirements and expectations. It assessed the potential improvements that could result from adopting a new system.Results: The study found that most government and private pharmacies in South Africa prefer automated dispensing systems to reduce errors, lower costs, improve customer service, and enhance inventory management. Benefits also included minimising medication errors, improving operational efficiency, and ensuring patient safety.Conclusion: The study holds importance as it underscores the necessity of integrating Information Technology (IT) and Robotic Automation in the pharmaceutical sector to address prevailing issues. It identifies factors contributing to medication dispensing errors and demonstrates the potential of automated robotic systems in mitigating these errors.Contribution: South Africa’s pharmaceutical sector must enhance efficiency and competitiveness by adopting integrated IT and Robotic Automation Systems. The study identified key factors for future implementation and emphasized the need for clear pre-implementation policies outlining functions and benefits.

JOB STRESS AND ITS IMPACT ON BANK EMPLOYEES' PERFORMANCE - A CASE STUDY OF BIJNOR DISTRICT

This study wants to understand how stressed-out bank employees are and how it affects their work. We are looking at how stress and job performance are connected to people working in banks. Stress is something everyone deals with, and it is especially common in jobs like banking. We want to figure out what causes stress for bank employees and how it affects the quality of their work. This study found that stress at work can cause many problems for bank employees. It can lead to lower performance, poorer quality of work, more people quitting their jobs, and more days off due to health issues like anxiety, depression, headaches, and back pain. We are focusing on the stress experienced by bank workers in Bijnor, District. We surveyed 200 employees from different banks using a random convenience sampling method. The results showed that both private and public bank employees have a heavy workload because they work long hours and face conflicts in their roles, as well as pressure from their bosses.

Engagement of stakeholders in the development of generic medical and nursing curricula in Tanzania through media outlets and social media

Background. The Catholic University of Health and Allied Health Sciences, Kilimanjaro Christian Medical University College and Muhimbili University of Health and Allied Sciences teamed up to address gaps in the training curricula for medical doctors and nurses with the aim of developing harmonised curricular templates that would be comprehensive and suit national objectives. Objectives. To share experiences and lessons learned in engaging stakeholders using social media as an additional method to collect information on curricular gaps and ideas to develop harmonised medical and nursing curricula. Methods. Pictures, newsprint extracts, and videos of face-to-face events in the curriculum development process and project and a curriculum advert were posted on Facebook, Twitter and YouTube and used to engage stakeholders, including regulatory bodies, health professional councils, graduates, students, practitioners, health training institutions, private and public employers, internship supervisors, faculty and the public. Reactions, comments and post insights from stakeholder postings, in both Swahili and English, were analysed manually and categorised into four types of messages: congratulatory, comments on the process and expected outcomes, curricular gaps, and faculty development needs to implement new curricula. Results. A total of 69 290 stakeholders were engaged via Facebook and 229 via Twitter. A total of 13 553 (19.6%) Facebook and 179 (78.2%) Twitter comments were directly related to gaps in current curricula and graduate competencies. Other inputs received through social media were on faculty development needs to implement harmonised curricula and the project in general. Conclusion. This was the first attempt to engage curriculum stakeholders using social media for the development of harmonised curricula in Tanzania. The impact of social media in providing relevant inputs for curriculum development was significant. Use of social media, with multiple language options, is an economical and efficient way to reach a large number of stakeholders for curriculum quality improvement.

The Relationship between Knowledge of Clean and Healthy Living Behavior and the Nutritional Status of Stunted Toddlers in West Kupang Regency in 2023

Background: Stunting in toddlers is still a serious health problem in Indonesia. Clean and Healthy Living Behavior (PHBS) is one of the factors that influence the nutritional status of toddlers. Research Objective: To understand the relationship between knowledge of clean and healthy living behavior and the nutritional status of stunted toddlers in West Kupang Regency. Research Method: Using an analytical research design with a chi-square design, this study was conducted by collecting secondary data from the Community Care Network Foundation. The sampling was done using a cluster random sampling technique with a total of 100 respondents. The research was analyzed bivariately using the risk estimate test. Results: The majority of toddler subjects are male. The toddler subjects range in age from 0 to 4 years. The parents of the subjects have educational statuses of elementary school (16%), junior high school (19%), high school/vocational school (49%), and university (16%). The mothers of the subjects have occupations as housewives (85%), civil servants (4%), farmers (4%), and private employees (7%). Respondents with poor knowledge-behavior of clean and healthy living, based on exclusive breastfeeding, account for 19%, poor routine weighing at integrated health posts (Posyandu) 4%, poor childbirth assistance 44%, poor handwashing habits 37%, poor use of clean water 52%, and poor toilet usage 2%. Malnutrition status in toddlers is as follows: 62% underweight (Weight-for-Age), 23% stunted (Weight-for-Height), and 28% underweight (Body Mass Index-for-Age). Bivariate analysis results between knowledge-behavior of clean and healthy living show a significant relationship between exclusive breastfeeding and the use of clean water with the nutritional status of toddlers. Conclusion: There is a significant relationship between exclusive breastfeeding and the use of clean water with the nutritional status of toddlers.

Analysis of The Level of Professionalism and Career Development of Accounting Department Alumni in State University

This research aims to analyze the knowledge and understanding of points of view in selecting quality levels for students majoring in accounting at state universities. This research is quantitative research with the unit of analysis being Alumni of the Department of Accounting, Faculty of Economics and Business, Makassar State University. The research was carried out for three months, starting from collecting existing data to direct observation in the field. This research produced interesting findings, including that the majority of alumni wanted to work in the government sector, but in reality the majority worked as private employees. Regarding the suitability of the field of science, alumni generally work in accordance with the field they studied and the major they took during their education. Furthermore, this research also obtained alumni's ideas for improving field work practices in companies/government agencies as well as English language skills, computer skills and department-specific practices.

Human capital development programme for mid-career agricultural extension workers: The case of Sokoine University of Agriculture BSc. agricultural extension and education training programme

Of recent, there is changing work environment for agricultural extension workers as they operate under the multi-stakeholders’ phenomenon. This increasingly poses a challenge to frontline extension workers trained on linear model (extension-researcher-farmer linkage) in extension services delivery. This is because, facilitating the multi-stakeholder processes requires competent agricultural extension workers well-versed in human relations. In recognizing the importance of human capital development for agricultural extension service delivery in Tanzania, Sokoine University of Agriculture established a mid-career agricultural extension training programme in 1998. Informed by the human capital theory, this study employed an evaluative study design to assess the impact of the Sokoine University of Agriculture (SUA) mid-career BSc. Agricultural Extension and Education training programme on human capital development. The study was conducted in five agro-ecological zones, that is, Eastern, Western, Central, Southern Highlands and Lake zones in Tanzania. The development of the sampling frame was done in collaboration with the Ministry of Agriculture (MoA), Ministry of Livestock and Fisheries (MLF) and President’s Office-Regional Administration and Local Government (PO-RALG). A total of 200 respondents-100 alumni and 100 farmers were sampled proportionately. A snowball sampling technique was used to replace the respondents who were selected randomly but could not be reached for interview. Data were collected from respondents through a questionnaire that covered a set of competences through analysis of the mid-career agricultural extension curriculum and consultations with public and private employers. In addition, literature review and observations were also used to supplement the collected information. The findings indicate that the agricultural training programme at Sokoine University of Agriculture (SUA) equipped graduates with appropriate knowledge, competencies and skills that improved their job performance and productive capacities that enabled them to interact with various stakeholders and facilitate multi-stakeholders’ processes. This is in line with the purpose of establishing the programme. Hence, this points to the need for continuous human capital building and motivations of agricultural extension workers for the improvement of their performance. Key words: Mid-career, Agricultural extension workers, Curriculum, Human capital, Multi-stakeholder processes

Segmentation Strat Egy of Consumer Interest in Contemporary Coffee Shop Using RFM Model

Increase customer loyalty by grouping customers into several groups and determining appropriate and effective marketing strategies for each group. Customer segmentation can be done through the clustering method. This research aims to analyze customer Recency, Frequency and Monetary (RFM) from the segmentation results of 5 contemporary coffee shops, namely Janji Jiwa, Kopi Kenangan, Tomoro Coffee, Fore Coffee, and Fami Cafe, from Persona Analysis Research and segmentation of consumer interest in contemporary coffee shops. Previously it could be summarized that cluster 3 or potential customers were the targets of the research by implementing appropriate marketing strategies based on the characteristics and profiles of the respondents. This cluster consists of 31 respondents, most of whom are women aged 24-28 years with a bachelor's degree and work as private employees in Jakarta. Interestingly, cluster 3 is divided between coffee fans and those who don't like coffee. Respondents in this study tended to prefer Tomoro Coffee, while those who didn't like coffee preferred Fami Cafe. In cluster 3, there are 29 people who are active Instagram users. The analysis used includes descriptive analysis where the data used is primary data. The data collection technique used is the observation method and distributing questionnaires to customers who are in cluster 3. The results of the research show that based on the results of the revenue segmentation analysis for the Tomoro Coffee and Fami Cafe coffee shops, it can be concluded that customers in cluster 3 consist of 3 segments. namely recency 3 which consists of 16 active customers who are very loyal and faithful. The strategy to retain these customers is by personalizing customer data to understand product/service shortcomings and knowing customer individual preference needs in order to attract them back. Keywords: Frequency, Monetary, Recency.

A RESEARCH ON BANK EMPLOYEES IN THE IMPLEMENTATION OF REMOTE WORKING MODEL

In this study, the effect of teleworking on bank employees is examined. In the study, a questionnaire was applied to private and public bank employees in Van using the teleworking policies scale. The data were analyzed by using SPSS 26 and Lisrel 8.80 software with t-test, One-Way Analysis of Variance, and Pearson Correlation tests. In the Independent t Test (t) analysis of the participants according to gender, marital status, and bank type; while there was no significant difference between the sub-dimensions of the teleworking policies scale according to gender, bank, and marital status, a significant difference was found in the sub-dimension of the teleworking policies scale according to marital status. In the ANOVA analysis according to the participant's education level, age, working time in the organization, and the type of position worked; there was no significant difference between the sub-dimensions of the teleworking policies scale according to the education level, age, working time, and the type of position worked; according to the type of position worked; a significant difference was found in the sub-dimension of the teleworking policies scale in job performance. The Pearson Correlation method was used to find the relationship between the variables and a significant positive relationship was found.

The Characteristics of Chronic Rhinosinusitis at Wangaya Regional Hospital Denpasar Period January-December 2022

ABSTRACT Chronic rhinosinusitis is inflammation that affects the nose and paranasal sinuses accompanied by two or more symptoms, one of which is blockage or obstruction in the nose and nasal mucus that flows posteriorly or anteriorly which can be accompanied by additional symptoms in the form of pain or pressure on the face and reduced olfactory sensitivity or loss of smell when symptoms more than 12 weeks. Chronic rhinosinusitis has a greater impact on reducing quality of life and huge burden of health costs than acute rhinosinusitis. This research was retrospective descriptive uses secondary data from medical records January-December 2022 Otorhinolaryngology Department of Wangaya Regional Hospital Denpasar. The sampling technique used was total sampling. Data collected included gender, age, occupation, main complaint, comorbidities, number of sinus involvement, location of sinuses, therapy. The data obtained were analyzed univariately using SPSS software version 23.0 and presented in the form of tables and narratives. From the research, it was obtained that the gender was mostly female 51.2%, average age of 38.05 ± 14.26 years with the highest age group is 46-60 years old, mostly private employees 48.8%. The most common main complaint was a blocked nose 48.8%. The highest comorbid was septum deviation 14%. The majority of sinuses involved were single rhinosinusitis 67%. The highest location in the maxillary sinus 69.8%. The majority of therapy was medication 58.1%. Most cases were found in female gender, average age 38.05 ± 14.26 year age group is 46-60 years old, private employees, main complaint was blocked nose, comorbidities with deviated septum, single rhinosinusitis, the highest location in the maxillary sinus, medicamentosa therapy. Keywords: Characteristics, Patients, Chronic Rhinosinusitis

Comparison of the Effects of Financial Literacy on the Financial Behavior of Civil Servants and Private Employees at Millennial Age

This study aims to determine the effect of financial literacy on materialism, compulsive buying, indebtedness, and saving behavior. In addition, it determines the influence of materialism on compulsive buying and indebtedness, as well as compulsive buying on indebtedness among civil servants and private employees in the Jakarta area, especially those of millennial age. Data collection was carried out online using a Likert scale. The population in this study was composed of private employees and civil servants working in the Jakarta area, with a total of 538 respondents. The research method used is quantitative research with SEM-Lisrel analysis. The results of this study show that high financial literacy (FL) is not able to reduce the level of indebtedness (I) among civil servants and private employees. High materialism (M) correlated with increased levels of indebtedness (I) in both groups of workers. High compulsive buying (CB) only has the effect of increasing indebtedness (I) in civil servants but does not apply to private employees. High materialism (M) encourages an increase in the rate of compulsive buying (CB) in civil servants but not in private employees. Furthermore, it was found that high financial literacy (FL) has the potential to reduce materialism (M) in civil servants but does not apply to private employees. Meanwhile, high financial literacy (FL) also has a positive impact on reducing compulsive buying (CB) behavior in civil servants and private employees. However, financial literacy (FL) does not have a positive influence on saving behavior (SB) among civil servants and private employees. Furthermore, in terms of comparison between private employees and civil servants, this study shows that private employees tend to have higher levels of materialism and compulsive buying compared to civil servants. However, there were no significant differences in levels of financial literacy, indebtedness, or saving behavior between the two groups. The findings mean that efforts to improve financial literacy and reduce debt levels could be undertaken with similar approaches for both groups.