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All Journal Jurnal Manajemen & Keuangan
Alfian Alfian
Islamic financial management, Faculty of Islamic Economics and Business, IAIN Langsa
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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Lifestyle Vs Savings: Unveiling the Soft Saving Behavior of Generation Z Zikriatul Ulya; Iqbal Syah; Alfian Alfian; Muarif Setiawan; Zulhilmi
Jurnal Manajemen dan Keuangan Vol 15 No 1 (2026): Journal Management and Finance
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v15i1.14186

Abstract

Soft saving behavior, or irregular saving habits, is still prevalent among Generation Z in Langsa City. This phenomenon is influenced by internal and external factors that shape the financial behavior of the younger generation in the digital era. This study aims to analyze the influence of financial literacy, social environment, and lifestyle on soft saving behavior, with self-control as an intervening variable. This study is based on the Theory of Planned Behavior (TPB), which explains that behavior is influenced by knowledge, social norms, and self-control. This study used a quantitative approach with a survey method of 100 Generation Z respondents in Langsa City selected through a purposive sampling technique. Data were collected using a questionnaire and analyzed using path analysis using SmartPLS 4.0. The results showed that financial literacy, social environment, and lifestyle have a positive effect on self-control. Financial literacy, lifestyle, and self-control have a direct effect on soft saving behavior, while the social environment has no direct effect. However, all independent variables have an indirect effect on soft saving behavior through self-control. These findings underscore the importance of self-control in shaping Generation Z's savings habits, as well as the need for increased financial literacy and a more focused lifestyle. This serves as a strategic step in fostering healthy financial behaviors among the younger generation.
Co-Authors Iqbal Syah Muarif Setiawan Zikriatul Ulya Zulhilmi Zulhilmi