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All Journal Jurnal Manajemen Maranatha
Agustin, Amelia Fitri
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Mindset FIRE dan digital financial inclusion sebagai penentu stabilitas keuangan Generasi Z Prapanca, Detak; Hanun, Nur Ravita; Anggraeni, Putri Ayunda; Agustin, Amelia Fitri
Jurnal Manajemen Maranatha Vol 25 No 2 (2026): Jurnal Manajemen Maranatha
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jmm.v25i2.15136

Abstract

This​‍​‌‍​‍‌​‍​‌‍​‍‌ research investigates how the FIRE mindset and digital financial inclusion impact financial stability among Generation Z, with self-concept serving as the mediating variable. The study employed a quantitative survey method and gathered data from 300 digitally active respondents. The data were then analyzed using PLS-SEM. The findings reveal that both the FIRE mindset and digital financial inclusion are significant factors that determine financial stability. Also, self-concept is a direct influencing factor of financial stability. On the contrary, digital financial inclusion neither affects self-concept significantly nor does self-concept mediate the relationships. Hence, the results point out that the behavioral discipline and long-term financial orientation of Generation Z drive their financial stability more than the psychological mediation mechanisms. The paper further explains that for improving financial resilience, financial literacy, digital access, and consistent financial behavior need to be ​‍​‌‍​‍‌​‍​‌‍​‍‌combined.
Co-Authors Anggraeni, Putri Ayunda Detak Prapanca Nur Ravita Hanun