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All Journal Ekonis : Jurnal Ekonomi dan Bisnis
Imel Tiara Amellia
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Economics, Econometrics & Finance

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PENGARUH LITERASI KEUANGAN, PENDAPATAN, DAN GAYA HIDUP TERHADAP MINAT MENABUNG PADA GENERASI Z DI KABUPATEN KUNINGAN Imel Tiara Amellia; Dede Djuniardi; Nurul Siti Jahidah
Ekonis: Jurnal Ekonomi dan Bisnis Vol 28, No 2 (2026): JURNAL EKONOMI DAN BISNIS (EKONIS)
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30811/ekonis.v28i2.10868

Abstract

Abstract: This study aims to determine the influence of financial literacy, income, and lifestyle on saving interest among Generation Z in Kuningan Regency, both simultaneously and partially. The study was conducted using a quantitative associative survey method on 150 respondents selected through purposive sampling. Data were analyzed using multiple linear regression, classical assumption tests, the coefficient of determination (R²), and hypothesis testing through the F-test and t-test with the aid of SPSS version 25. The results show that financial literacy, income, and lifestyle simultaneously have a significant influence on saving interest, with an R² of 0.587. Partially, financial literacy and income have a positive and significant effect on saving interest, while lifestyle has a negative and significant effect. These findings indicate that higher financial literacy and income, combined with a more controlled lifestyle, increase the saving interest of Generation Z in Kuningan Regency, in line with the Theory of Planned Behavior.Keywords: Financial Literacy, Income, Lifestyle, Saving Interest, Generation Z.
Co-Authors Dede Djuniardi Nurul Siti Jahidah