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All Journal JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi
Putra Pernando
Universitas Negeri Padang
Economics, Econometrics & Finance Social Sciences

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The Influence of Financial Self-Efficacy and Financial Well-Being on Gen-Z in Padang City: The Role of Financial Behavior as a Mediator Putra Pernando; Abel Tasman
JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi Vol. 4 No. 1 (2026): July
Publisher : CV. Muris Global Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62421/jibema.v4i1.537

Abstract

This study aims to analyze the effect of financial self-efficacy on financial well-being with financial behavior as a mediating variable in Generation Z who have worked in Padang City. This study is motivated by the still low level of financial well-being of Generation Z, which is influenced by low confidence in managing finances and suboptimal financial behavior. The study used a quantitative approach with the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The research sample consisted of 200 respondents selected using a purposive sampling technique. The results showed that financial self-efficacy had a positive and significant effect on financial behavior and financial well-being. In addition, financial behavior also had a positive and significant effect on financial well-being. The results of the mediation test proved that financial behavior was able to positively and significantly mediate the effect of financial self-efficacy on financial well-being. These findings indicate that improving the financial well-being of Generation Z is not only influenced by individual confidence in managing finances but also by the ability to apply good financial behavior in everyday life.
Co-Authors Abel Tasman