This study aims to examine the effect of financial technology, demographics, and financial literacy on the financial decision making of the productive age population in Surabaya. The type of research is quantitative and conclusive in the form of causality. The data used are primary data obtained from the questionnaire. The population which is used as much as 180 respondents was selected by way of judgmental sampling. The characteristics of respondents are the productive age population in Surabaya who has income and work. Mechanical analysis of the use of researchers is an analysis of regression doubled by using SPSS software version 20. Results of the study showed that the variables demographics are proxied by type of sex, income, and age did not influence on the financial management behavior in the population age productive in Surabaya. Whereas Financial Technology and Financial Literacy have a significant positive effect on Financial Management Behavior in the productive age population in Surabaya

Penelitian ini bertujuan untuk mengetahui efektivitas metode menulis melalui tweetdiary terhadap penurunan tingkat kecemasan berbicara di depan umum pada mahasiswa baru Fakultas Ilmu Sosial dan Ilmu Politik Universitas Mulawarman. Sampel dalam penelitian ini sebanyak 30 orang dengan menggunakan teknik purposive sampling. Penelitian ini dilakukan dengan menggunakan pendekatan pra-eksperimen dengan desain yang digunakan adalah one group pretest posttest design. Prosedur eksperimen dalam penelitian ini adalah mengadakan screening, mengadakan pre-test, proses pemberian treatment, memberikan perlakuan (treatment) dan mengadakan post-test. Hasil penelitian menunjukkan bahwa subyek yang menulis melalui tweetdiary mengalami penurunan tingkat kecemasan berbicara di depan umum dengan  p = 0.000 (p < 0.050), serta dari persentil median pada pre-test 125.0000 menjadi 79.0000 pada post-test