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p-Index From 2021 - 2026
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All Journal Journal of Psychology and Culture Behavior in SDGs
Reva Cahya Cantika Mariyono
Universitas Negeri Surabaya
Education Social Sciences Other

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Building Financial Awareness: Financial Literacy in the Era of Gen Z Materialism in Surabaya State University Environment Reva Cahya Cantika Mariyono; Riza Yonisa Kurniawan
Journal of Psychology and Culture Behavior in SDGs Vol. 2 No. 2 (2026): July
Publisher : Sekolah Tinggi Agama Islam Sabilul Muttaqin Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63230/jopacbis.2.2.23

Abstract

Objective: This study seeks to examine the connection between financial literacy and financial behaviour on students' materialism both directly and indirectly. Method: This research adopts an explanatory quantitative approach to determine the relationships between variables. A survey using questionnaires was conducted on economics students at the Faculty of Economics and Business, State University of Surabaya to obtain primary data. Data analysis was performed using SEM-PLS assisted by WarpPls software. Results: The research findings indicate a positive and significant effect between financial literacy and financial behaviour, but it does not have a significant impact on materialism. Financial behaviour has a negative and significant effect on materialism, while also successfully serving as a mediating variable. Novelty: The integration of financial literacy and financial behaviour to estimate materialism in a model, with a focus on economics students, represents the novelty of this research. The contribution of the study lies in encouraging policymakers and educational institutions to develop financial education curricula with a greater focus on practical applications rather than theory.
Co-Authors RIZA YONISA KURNIAWAN