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All Journal Jurnal Riset Pendidikan Ekonomi Jurnal Kolaboratif Sains EQIEN - JURNAL EKONOMI DAN BISNIS RESEARCH AND DEVELOPMENT JOURNAL OF EDUCATION (RDJE) Journal of Management - Small and Medium Enterprises (SME's) Jurnal Pemberdayaan Masyarakat Journal of Economic and Economic Education
Nofriansyah, Nofriansyah
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Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Mathematics Physics Social Sciences Other

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Financial Literacy Meets Lifestyle: Understanding the Behavioral Pathways to Effective Financial Management Among Generation Z Supriatna, Endang; Disman, Disman; Ahman, Eeng; Machmud, Amir; Nofriansyah, Nofriansyah; Nugraha, Ramdan
Jurnal Pemberdayaan Masyarakat Vol 5, No 2 (2026): Article in Press
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v5i2.753

Abstract

This study examines the structural relationships among financial literacy, lifestyle, and financial management behavior among Generation Z university students in Indonesia, addressing concerns about weak financial decision-making amid increasing digital consumption and lifestyle-oriented spending. A quantitative explanatory design was employed, involving 250 undergraduate students selected through purposive sampling. Data were collected using a structured questionnaire and analyzed using partial least squares structural equation modeling (PLS-SEM). The findings indicate that financial literacy has a significant positive effect on financial management behavior both directly and indirectly through lifestyle, confirming lifestyle as a key mediating variable. This result reinforces that financial knowledge alone is insufficient unless it is internalized into daily lifestyle patterns that guide financial decisions. This study contributes theoretically by positioning lifestyle as a behavioral transmission mechanism linking financial literacy to financial management behavior, thereby extending behavioral finance and planned behavior perspectives in a Generation Z context. In practice, the findings offer insights for designing holistic financial education programs that integrate financial knowledge with lifestyle-oriented and behaviorally tailored interventions for digitally native youth.
Co-Authors Amir Machmud, Amir Badeni Badeni, Badeni Budiyanto, Eko Burhannudin Burhannudin Dahlan, Dadang - Disman, Disman Eeng Ahman, Eeng Eko Risdianto Endang Supriatna Hastuti, Hastuti juarsa, osa Latifannisa, Nuri Marwan Marwan Meirani, Meirani Melia, Maya Muhammad Kristiawan Nanda Akhmad Romadhon, Dwi Nani Sutarni Nugraha, Ramdan Rahmi, Yuri Riyadi, Sugeng Salmiati Salmiati, Salmiati SRI RAHAYU Supriatna, Endang Surasni, Surasni Ugli, Yusupov Komaliddin Bakhtiyor Wardiman, Jery Yulhendri Yulhendri Yunia Wardi