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All Journal Al-Kharaj: Journal of Islamic Economic and Business
Hikmat Rahmansyah
Universitas Jenderal Achmad Yani
Economics, Econometrics & Finance

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Financial Literacy And Lifestyle As Determinants Of Saving Behavior: The Moderating Role Of Gender Among Generation Z In Bandung Raya Hikmat Rahmansyah; Frido S. Simatupang
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11632

Abstract

This study aims to analyze the influence of financial literacy and lifestyle on the saving behavior of Generation Z in Greater Bandung, as well as to examine the role of gender as a moderating variable. The study employs an explanatory quantitative approach with a cross-sectional survey design. Primary data were collected via online questionnaires from 145 Generation Z respondents residing in Greater Bandung; the sample size met the minimum requirement based on G-Power calculations. Data analysis was conducted using SPSS 27, involving validity tests, reliability tests, classical assumption tests, multiple linear regression, and Moderated Regression Analysis (MRA). The results indicate that financial literacy has a positive and significant effect on saving behavior (B = 0.625; t = 5.940; p < 0.001). Lifestyle also has a positive and significant effect on saving behavior (B = 0.547; t = 7.788; p < 0.001). However, gender does not moderate the effect of financial literacy on saving behavior (p = 0.147), nor does it moderate the effect of lifestyle on saving behavior (p = 0.285). The research model explains 76.7% of the variation in saving behavior. These findings confirm that strengthening financial literacy and cultivating a more planned lifestyle are more important factors than gender-based distinctions in enhancing the saving behavior of Generation Z
Co-Authors Frido S. Simatupang