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All Journal Journal Economic Management and Business Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
Ahmad Rivaldo Tarigan
Universitas Potensi Utama
Economics, Econometrics & Finance Other

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PENGARUH DIGITALISASI KEUANGAN DAN LITERASI KEUANGAN TERHADAP INKLUSI KEUANGAN BERKELANJUTAN GENERASI Z DI ERA EKONOMI DIGITAL M. Rizky Wijaya; Purwita Sari; Ratih Anggraini Siregar; Tika Nirmala Sari; Ahmad Rivaldo Tarigan
Journal Economic Management and Business Vol 5, No 1 (2026)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/jfeb.v5i1.8791

Abstract

The rapid advancement of digital technology has significantly transformed financial services and consumer financial behavior, particularly among Generation Z as digital natives. This study aims to examine the influence of financial digitalization and financial literacy on sustainable financial inclusion among Generation Z in the digital economy era. A quantitative approach was employed using a survey method with structured questionnaires. The study involved 145 Generation Z respondents aged 17–27 years in Indonesia who actively use digital financial services, selected through purposive sampling. Data were analyzed using multiple linear regression. The results indicate that financial digitalization and financial literacy have a positive and significant effect on sustainable financial inclusion, both partially and simultaneously. These findings highlight that the success of sustainable financial inclusion depends not only on technological accessibility but also on individuals’ financial knowledge and responsible financial behavior.
THE EFFECT OF FINANCIAL LITERACY, E-WALLET USAGE AND BUSINESS FINANCIAL PLANNING ON MSME FINANCIAL MANAGEMENT IN MEDAN CITY Ahmad Rivaldo Tarigan; Austin Alexander Parhusip
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 4 No. 4 (2026): April
Publisher : PT. Radja Intercontinental Publishing

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Abstract

This study aims to determine the effect of financial literacy, e-wallet usage, and business financial planning on the financial management of culinary MSMEs in Medan City, both partially and simultaneously. The sample consisted of 100 respondents selected using purposive sampling. This research employed a quantitative associative method with multiple linear regression analysis, processed using SPSS. The research instrument was tested for validity and reliability, and the regression model met the classical assumption tests (normality, multicollinearity, and heteroscedasticity). The results show that financial literacy has a positive and significant effect on MSME financial management (β = 0.263; t = 3.221; Sig. = 0.002), e-wallet usage has a positive and significant effect (β = 0.192; t = 2.615; Sig. = 0.010), while business financial planning has a positive and significant effect (β = 0.480; t = 5.743; Sig. = 0.000). Simultaneously, the three variables significantly affect MSME financial management (F = 57.978; Sig. = 0.000), with an Adjusted R Square of 0.633, indicating the three variables explain 63.3% of the variation in MSME financial management. This study is expected to serve as a reference for MSME actors in improving financial literacy and the utilization of digital payment technology to support better business financial management.
Co-Authors M. Rizky Wijaya Parhusip, Austin Alexander Purwita Sari Siregar, Ratih Anggraini Tika Nirmala Sari