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All Journal JURNAL RUMPUN MANAJEMEN DAN EKONOMI
Novi Yuliana Safitri
Universitas Pamulang
Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Social Sciences

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PENGARUH LITERASI KEUANGAN, SELF-EFFICACY, KEMUDAHAN PENGGUNAAN PAYLATER TERHADAP KESEJAHTERAAN FINANSIAL (Studi pada Gen Z di DKI Jakarta) Novi Yuliana Safitri; Hirdinis Hirdinis
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 3 No. 5 (2026): september
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v3i5.12445

Abstract

Abstract. This study aims to examine the influence of financial literacy, self-efficacy, and perceived ease of use of paylater services on the financial well-being of Generation Z in DKI Jakarta. This study employed a quantitative approach with a causal associative research design. The sample was selected using purposive sampling, while data were collected through a structured questionnaire using a five-point Likert scale and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that financial literacy has a positive and significant effect on financial well-being, and self-efficacy also has a positive and significant effect on financial well-being. Meanwhile, the perceived ease of use of paylater services has a positive but insignificant effect on financial well-being . These findings suggest that the financial well-being of Generation Z is influenced more by financial management capabilities and confidence in managing personal finances than by the ease of using paylater services. Keywords: financial literacy, self-efficacy, perceived ease of use of paylater, financial well-being, Generation Z.
Co-Authors Hirdinis Hirdinis