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All Journal Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Rusnawati Rusnawati
Program Studi Manajemen Universitas Islam Negeri Alauddin Makassar
Economics, Econometrics & Finance

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Financial Fragility dan Financial Well-Being Terhadap Perilaku Keuangan Generasi Z Dimoderasi Oleh Financial Literacy di Kota Makassar Nadia Alfi Rahmah; Rusnawati Rusnawati; Wahidah Abdullah
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 6 No. 2 (2026): Juli : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v6i2.10562

Abstract

Financial behavior of Generation Z in Indonesia faces challenges due to low financial literacy (65.43%) despite high financial inclusion (75.02%), driven by fintech dependency and impulsive consumption. This study aims to examine the influence of financial fragility and financial well-being on Generation Z's financial behavior in Makassar, moderated by financial literacy. Employing quantitative associative approach with SEM-PLS on 180 Generation Z respondents (purposive sampling), primary data were analyzed using SmartPLS 4.1.1.0 through validity-reliability tests and bootstrapping. Results reveal financial fragility (t=0.799, p=0.424) and financial well-being (t=1.260, p=0.208) have no significant direct effect on financial behavior (R²=67%). However, financial literacy significantly moderates both relationships (FLFF: t=2.406, p=0.016; FLFW: t=2.570, p=0.010). The study concludes that financial literacy serves as crucial buffer shaping resilient financial behavior among Generation Z vulnerable to digital trends.
Co-Authors Nadia Alfi Rahmah Wahidah Abdullah