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All Journal Journal of Management - Small and Medium Enterprises (SME's)
Titi Rapini
Department of Management, Faculty of Economics, University of Muhammadiyah Ponorogo
Economics, Econometrics & Finance

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The effect of financial technology and frugal living on financial management behavior of generation Z in Ponorogo Regency with gender as a moderating variable Adelita Dinar Noor Sakti; Riawan Riawan; Titi Rapini
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 3 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i3.27794

Abstract

This study aims to analyze the influence of financial technology and frugal living on the financial management behavior of Generation Z in Ponorogo Regency with gender as a moderating variable. This study uses the Theory of Planned Behavior (TPB) as its basis, which explains that individual behavior is influenced by attitudes, subjective norms, and perceived behavioral control. The method used is a quantitative approach with purposive sampling technique. The research sample consisted of 160 Generation Z respondents in Ponorogo Regency who had income and used financial technology. Data collection was conducted through an online questionnaire using Google Form and analyzed using the Partial Least Square (PLS) method with SmartPLS 4.0 software. The results showed that financial technology and frugal living had a significant effect on the financial management behavior of Generation Z, but gender did not moderate the effect of financial technology and frugal living on the financial management behavior of Generation Z in Ponorogo Regency. Keywords: Financial Technology; Frugal Living; Financial Management Behavior; Gender
Co-Authors Adelita Dinar Noor Sakti Riawan Riawan