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All Journal Eduvest - Journal of Universal Studies
Dwi Nastiti Danarsari
Universitas Indonesia, Indonesia
Aerospace Engineering Computer Science & IT Health Professions Neuroscience Social Sciences

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The Influence of Economic, Psychological, and Social Aspects on Financial Management Behavior Among Generation Z in DKI Jakarta: The Moderating Role of Income Characteristics Azhany Rianda Santoso; Dwi Nastiti Danarsari
Eduvest - Journal of Universal Studies Vol. 5 No. 6 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i6.50209

Abstract

This study explores the influence of economic, psychological, and social aspects on the financial management behavior of Generation Z in DKI Jakarta, emphasizing the moderating role of income characteristics. A quantitative approach was employed, utilizing a survey distributed to 248 respondents, adhering to the rule of thumb of at least 10 times the number of latent variables analyzed in Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings reveal that economic factors, including financial literacy and income management, significantly impact financial behavior. Psychological factors, such as self-efficacy and self-control, also play a pivotal role, fostering prudent financial decision-making. Social influences, including familial and peer norms, were found to shape financial habits significantly. However, income characteristics as a moderating variable exhibited mixed results. While they negatively moderated the relationship between economic factors and financial behavior, no significant moderating effect was observed for psychological and social factors. These results underscore the complex interplay between intrinsic and extrinsic influences on financial management within an urban, fast-paced setting like Jakarta. The study highlights the necessity of comprehensive financial literacy programs tailored to the unique needs of Generation Z. Moreover, the findings suggest practical strategies for educators, policymakers, and financial institutions to enhance financial independence and resilience among young urban dwellers.
The Impact of Income Diversification and Liquidity Risk on Stability of Conventional Banks In Indonesia Abi Gustama; Dwi Nastiti Danarsari
Eduvest - Journal of Universal Studies Vol. 5 No. 9 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i9.51344

Abstract

This study aims to analyze the effect of income diversification and liquidity risk on the stability of conventional banks in Indonesia, the research of banks listed on Indonesia Stock Exchange during the periode 2014 – 2023 and using panel data regression methods. The results indicate that income diversification has a significant negative effect on bank stability. However, the moderating factors of KBMI 3 and KBMI 4 are able to strengthen the relationship between income diversification and bank stability. Liquidity risk doest not affect bank stability, While KBMI 1 and KBMI 4 are found waken the impact of liquidity risk on stability. In Contrast KBMI 2 strengthen effect of liquidity risk on bank stability. Banks need to carefully consider banking activities in diversifying income an take into account tier capital 1 in mitigating liquidity risk. KBMI as a moderating both income diversification and liquidity risk. To the best of the author's knowledge, KBMI as a moderating variable in the relationship between income diversification and liquidity risk has not been previously examined. The implication of this study highlights the importance of regulatory oversight regarding risk exposure arising from income diversification and the optimization of liquidity within each KBMI category.
Co-Authors Abi Gustama Azhany Rianda Santoso