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p-Index From 2021 - 2026
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All Journal The Es Economics and Entrepreneurship
Riyandi Nur Sumawidjaya
Magister Manajemen, Universitas Indonesia Membangun (INABA), Bandung, Indonesia
Economics, Econometrics & Finance

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The Effect of Financial Literacy, Financial Attitude, and Financial Experience on the Financial Behavior of Generation Z Students Nopitasari Pitri; Riyandi Nur Sumawidjaya; Nunung Ayu Sofiati; Yoyo Sudaryo
The Es Economics and Entrepreneurship Vol. 5 No. 01 (2026): The Es Economics And Entrepreneurship (ESEE)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esee.v5i01.1201

Abstract

This study examines the influence of financial literacy, financial attitude, and financial experience on the financial behavior of Generation Z students at Politeknik Bintan Cakrawala. A quantitative survey approach was used with 58 respondents selected through purposive sampling. Data were analyzed using multiple linear regression with Jamovi. The results indicate that financial literacy does not have a significant effect on financial behavior (p = 0.561). Financial attitude has a positive and significant effect on financial behavior (p < 0.001), while financial experience does not have a significant effect on financial behavior (p = 0.155). Simultaneously, financial literacy, financial attitude, and financial experience significantly affect financial behavior (p < 0.001). The model explains 59.7% of the variance in financial behavior, while the remaining 40.3% is influenced by variables outside the study.
Co-Authors Nopitasari Pitri Nunung Ayu Sofiati Yoyo Sudaryo