The goal of the present study is to propose a mediating role of gratitude in the link between tourist satisfaction and positive WoM intention. The data were collected through a survey involving 142 tourists in Indonesia who have experienced tourism services in the country. Based on the data, we managed to find that tourist satisfaction indirectly, at least in part, affect intention to spread positive WoM among tourists through gratitude. Theoretical and practical contributions of the present study were discussed.

This study aims to investigate the influence of a person's optimistic and pessimistic personality on the saving habits of household financial managers in Kupang City. To achieve the purpose of the research in question, in this study, the author took literature sources from financial management and psychology, then the relevant hypotheses were built. The data was analyzed using Structural Equation Modeling (SEM) techniques using the help of SmartPLS software. This research was conducted in 2 (two) stages, namely the initial stage and the advanced stage. At the initial stage, we determine the topic and theme of the research, and formulate a research problem. In the advanced stage, conduct data collection, analysis, data interpretation and finally compile the final research report. The results of this study show that both optimism and pessimism influence saving habits through prudence in shopping.