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All Journal Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen
Finka Damayanti
Universitas Dian Nusantara
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Perilaku Keuangan, Inklusi Keuangan Digital, dan Literasi Keuangan terhadap Kemandirian Finansial Generasi Z Finka Damayanti; Fathihani Fathihani
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 5 No. 4 (2026): (Oktober) Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v5i4.7960

Abstract

Financial independence is an individual’s ability to manage their finances independently to meet their basic needs without relying on others. The growing use of digital financial services in Indonesia, particularly among Generation Z, indicates a shift in financial management behavior. According to the Financial Literacy and Inclusion National Survey (SNLIK) by the Financial Services Authority (2023), the financial inclusion rate in Indonesia has reached over 75%, yet the financial literacy rate remains lower. This situation indicates that although access to financial services is becoming more widespread, the public’s understanding of how to manage finances wisely is not yet fully optimized. This has the potential to affect individuals’ levels of financial independence, particularly among Generation Z, who tend to actively use digital financial services. In this context, digital financial inclusion provides easy access to various financial services, while financial literacy plays a role in enhancing individuals’ understanding of effective financial management. Therefore, these two factors are hypothesized to influence the level of financial independence. This study aims to analyze the influence of digital financial inclusion and financial literacy on financial independence among Generation Z in DKI Jakarta. This study employs a quantitative approach using a causal research design. The data used consists of primary data collected through.
Co-Authors Fathihani, Fathihani