Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET)
Linda Susilowati
Universitas Negeri Semarang
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
THE INFLUENCE OF FINANCIAL LITERACY ON FINANCIAL BEHAVIOR WITH FINANCIAL RISK TOLERANCE AS A MEDIATOR AND EMOTIONAL INTELLIGENCE AS A MODERATOR IN GEN Z OF CENTRAL JAVA PROVINCE Linda Susilowati; Dwi Cahyaningdyah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 8 (2026): JULY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to examine the effect of financial literacy on financial behaviour among Generation Z in Central Java, Indonesia, by investigating the mediating role of financial risk tolerance and the moderating role of emotional intelligence. This study employed a quantitative approach using a survey method. Data were collected through a structured questionnaire distributed to Generation Z respondents and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results indicate that financial literacy positively and significantly influences financial behaviour (β = 0.487, p < 0.001) and financial risk tolerance (β = 0.587, p < 0.001). Financial risk tolerance also positively affects financial behaviour (β = 0.342, p < 0.001). Emotional intelligence positively influences financial risk tolerance (β = 0.315, p = 0.001), but it does not directly influence financial behaviour (β = -0.024, p = 0.715). Furthermore, emotional intelligence strengthens the influence of financial literacy on both financial behaviour and financial risk tolerance. Financial risk tolerance also mediates the relationships between financial literacy and financial behaviour, as well as between emotional intelligence and financial behaviour. This study contributes to the literature by proposing a moderated mediation model that integrates cognitive, emotional, and risk management dimensions to explain sustainable financial behaviour among Generation Z in the digital economy.
Co-Authors Dwi Cahyaningdyah