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All Journal Jurnal Tapis : Jurnal Teropong Aspirasi Politik Islam JAWI : Journal of Southeast Asia Islamic Contemporary Issues International Journal of Community Service Learning Aptisi Transactions on Management Jurnal Penelitian Psikologi Al-Mutsla: Jurnal Ilmu-Ilmu Keislaman dan Kemasyarakatan International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Bina Bangsa Ekonomika Rahmatan Lil’alamin Journal of Community Services (RLA) Abdi Jurnal Publikasi Jurnal Indonesia Sosial Sains International Journal of Economics, Accounting, and Management Socio Religia Sinergi : Jurnal Ilmiah Multidisiplin
Suhandi
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GENERATION Z FINANCIAL MANAGEMENT FROM A BEHAVIORAL FINANCE PERSPECTIVE: THE ROLE OF FINTECH, CONSUMPTIVE BEHAVIOR, FINANCIAL ATTITUDE, AND FINANCIAL PLANNING Suhandi; Sri Mulyati; Hanafi Siregar
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 5 (2026): APRIL
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20123560

Abstract

This study aims to analyze the effect of financial technology (fintech) usage, consumptive behavior, financial attitude, and financial planning on the personal financial management of Generation Z in Tiban Baru Village, Batam City. A quantitative approach with a descriptive design was employed. Data were collected through a survey of 373 Generation Z respondents who actively use fintech, using a questionnaire instrument. Multiple linear regression analysis was conducted with the assistance of IBM SPSS Statistics 25. The findings reveal that, simultaneously, fintech usage, consumptive behavior, financial attitude, and financial planning have a significant effect on personal financial management, as indicated by an F-count value of 108.008, which exceeds the F-table value of 2.40 at a significance level of 0.000 < 0.05. Partially, fintech usage and financial planning have a positive and significant effect on personal financial management, while consumptive behavior exerts a negative and significant effect. Financial attitude, however, does not have a significant effect on personal financial management, as evidenced by a significance value of 0.089 > 0.05.These findings suggest that optimizing fintech usage and maintaining sound financial planning can enhance the quality of financial management among Generation Z, while consumptive behavior needs to be kept in check. This study carries important implications for the development of behavior-based financial literacy and financial education programs targeting Generation Z.
Co-Authors Abdul Khoir Agus Sudarsono Ahsanitaqwim, Ridhuan Andi eka putra Anisa Rizki Amalia Ansori, M. Afif Arini, Isti Artha Monica Auliana, Sigit Chrisdayanti Br. Ginting Delin Apriyani Faisal Adnan Reza Fiki Amali Hadi Kurniawanto Hanafi Siregar Hendra Wijayanto Iin Yulianti Indah Dwi Cahya Izzati Jaka Wijaya Kusuma Karlina Leona Azzahra , Firda Akmal M. Afif Anshori M. Nursalim Malay MAGHFIRAH Melitasari, Mey Mey Melitasari Muflikhah, Itsna Nugraha Edhi Suyatma Nurfitrah Nurm, Sirje Nurul ilmi oktari Pardomuan Sihombing, Pardomuan Samsul Olde Sri Mulyati Suhandi Suhandi, Suhandi Surianto, Nurul Maghfirah Suryari Purnama Taufik Ridwan, Taufik Tjahja Muhandri Tri Kunawangsih Purnamaningrum yoga irawan Yusuf, Zulfadli