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All Journal INTERNATIONAL JOURNAL OF ECONOMICS AND MANAGEMENT REVIEW
Nur Ramadaniar
Universitas Muhammadiyah Pontianak
Humanities Economics, Econometrics & Finance Social Sciences

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The Influence of Financial Literacy, Hedonic Lifestyle, and Peer Groups on the Financial Behavior of Generation Z in Pontianak City with Self-Control as a Moderating Variable Nur Ramadaniar; Edy Suryadi
INTERNATIONAL JOURNAL OF ECONOMICS AND MANAGEMENT REVIEW Vol 4 No 2 (2026): Current issue 11
Publisher : SMARTINDO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58765/ijemr.v4i2.423

Abstract

Purpose – This study aims to examine the influence of financial literacy, hedonic lifestyle, and peer groups on the financial behavior of Generation Z in Pontianak City with self-control as a moderating variable. Design/methodology/approach – This study uses a quantitative approach with primary data collected through questionnaires distributed to 150 Generation Z respondents in Pontianak City. The sampling technique used was purposive sampling, and the data were analyzed using Moderated Regression Analysis (MRA) with SPSS software. Originality – This study provides empirical evidence regarding the role of self-control in moderating the relationship between financial literacy, hedonic lifestyle, peer groups, and financial behavior among Generation Z. Findings and Discussion – The results show that financial literacy, hedonic lifestyle, and peer groups simultaneously have a significant effect on financial behavior. Partially, financial literacy has a positive and significant effect on financial behavior, while hedonic lifestyle and peer groups do not significantly affect financial behavior. In addition, self-control is unable to moderate the influence of financial literacy, hedonic lifestyle, and peer groups on financial behavior. The coefficient of determination indicates that the independent variables explain 50.3% of the variation in financial behavior. Conclusion – Financial literacy, hedonic lifestyle, and peer groups collectively influence the financial behavior of Generation Z in Pontianak City. Keywords – Financial Literacy, Hedonic Lifestyle, Peer Groups, Financial Behavior, Self-Control, Generation Z.
Co-Authors Edy Suryadi