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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) IJIS - Indonesian Journal On Information System EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming Journal Of Management Science (JMAS) Jurnal Teknologi Informasi dan Pendidikan International Journal of Economics, Business and Accounting Research (IJEBAR) Ilomata International Journal of Management Enrichment : Journal of Management Ilomata International Journal of Management Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Ekonomi Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Empowerment Society Gemilang: Jurnal Manajemen dan Akuntansi Madani: Multidisciplinary Scientific Journal Journal of Educational Management Research Jurnal Informatika Ekonomi Bisnis Jurnal Bisnis dan Kewirausahaan El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Multidisiplin Ulil Albab
Fahruna, Yulyanti
Fakultas Ekonomi Dan Bisnis, UNTAN
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Medicine & Pharmacology Physics Public Health Social Sciences Other

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Journal : Madani: Multidisciplinary Scientific Journal

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Pengaruh Literasi Keuangan dan Faktor Demografi terhadap Perilaku Menabung Gen Z, dengan Moderasi Lifestyle Fahruna, Yulyanti; Dephary, Riatma Dita Perdana Sembiring; Mustika, Uray Ndaru; Syahputri, Anggraini
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 6 (2025): July 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15854260

Abstract

Saving behavior among Generation Z in Indonesia tends to be relatively low. One of the contributing factors is their close relationship with technology and social media, which influences their financial habits. In addition, the generally low level of financial literacy also plays a role in shaping their saving behavior.This study aims to examine whether financial literacy significantly influences the saving behavior of Generation Z in Indonesia and whether lifestyle serves as a moderating variable in this relationship. The research employs a quantitative approach, with data collection and analysis carried out using the SmartPLS 4.0.9.9 software. The testing includes assessments of validity, reliability, the coefficient of determination, and significance tests.The results indicate that financial literacy and demographic factors have a significant impact on saving behavior. However, lifestyle does not moderate the relationship between financial literacy and saving behavior, as its influence is limited. This research is expected to serve as a reference for policymakers to enhance financial literacy and promote saving behavior among the public.
Co-Authors Ahmad Shalahuddin Ahmad Shalahuddin, Ahmad Amiarti, Dela Ana Fitriana Anura, Dhea Anwar Azazi Anzani, Yunita Magrima Ardia, Rifana Uthri Arman Jaya Asrin, Fauzan Barkah Barkah, Barkah Budhi Alfiyyah Alyaa Chafsoh, Zannuba Arifah Daud , Ilzar Daud, Ilzar Dephary, Riatma Dita Perdana Sembiring Deva, salsabilla Endah Mayasari Erna Listiana Erna Listiana Fauzan, Rizky Febriadi , M Alfin Fifani Anggraini, Cinthia Fitriani Fitriani Giriati Hadary, Ferry Hamsyi, Nur Fitriana Harry Setiawan Helma Malini Hendri, Markus Hutajulu, Teguh I. K, Maria Christiana Ikram Yakin Indriani Indriani Irdhayanti , Efa Janiarti, Della Januar, Riki Juniwati Juniwati Kalis , Maria Christiana Iman Kalis, Maria Christiana Iman Laras Kusuma Astuti M. Irfani Hendri Marcellina, Nadia Maria Christiana Iman Kalis Maria Christiana Iman Kalis, Maria Christiana Mazayatul Mufrihah B11212091 Monika, Sherlly Santa Muhammad Afif Mustaruddin Mustika, Uray Ndaru Muthahhari, Morteza Muthahhari, Morthezza Nardi, Rio natanael, Kevin nesty eka listiyani Nurul Komari Oklino, Misaello Sausa Panjaitan, Nadine Devada Perlita, Yoane Permata Gusti, Girang Pramana Saputra Pratama, Silvi Aurelia Nur Purmono, Bintoro Bagus Putri, Haliza Nabila Rafalia, Dwi Meysha Ayu Rahmadani Putra Ramadhan, Rizani Rifki, Maulana Radiyan Rikhsan Kurniatuhadi, Rikhsan Rosalia Salsabila, Nofia siti zahra zahira Sitohang, Natalia Putri Sulistyarini, Sulistyarini Syahbandi Syahbandi Syahputri, Anggraini Theresa, Revilia Tiabela, Tiabela Titik Rosnani Veithzal Rivai Zainal Velisia, Velisia Victorio, Michael Vita Vita Wendy Wendy Wenny Pebrianti