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All Journal JURNAL ECONOMIA Kinerja CALYPTRA : Jurnal Ilmiah Mahasiswa Universitas Surabaya Media Ekonomi dan Manajemen Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Manajemen Teori dan Terapan Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri EKUITAS (Jurnal Ekonomi dan Keuangan) MABIS: Manajemen dan Bisnis Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Manajemen Maranatha
Bertha Silvia Sutejo
Jurusan Manajemen Fakultas Bisnis Dan Ekonomika Universitas Surabaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Journal : JURNAL ECONOMIA

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Gender Differences in Financial Well-Being: A Multi-Group Analysis of Indonesian Income-Earning Gen-Z Sutejo, Bertha Silvia; Wijaya, Liliana Inggrit; Noordin, Noorliza MD; Oktavianus, Joshua
Jurnal Economia Vol. 22 No. 1 (2026): February 2026
Publisher : Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/economia.v22i1.83694

Abstract

Gen-Z in Indonesia faces financial challenges due to low financial literacy, impulsive spending, and FOMO, prioritizing short-term desires over long-term financial freedom and stability. This study examines key determinants of financial well-being among Gen-Z, integrating gender differences as a moderator. Through PLS-SEM and MGA analysis of 612 respondents, this study identifies financial literacy, self-control, behavior, and stress as key determinants of financial well-being. Financial behavior and stress mediate key relationships, with gender differences in financial understanding and stress management. This study suggests that governments should introduce financial literacy earlier and offer accessible financial consultations, while Gen-Z must cultivate self-discipline and financial knowledge to achieve sustainable financial well-being.
Co-Authors . Yenny, . Acchedya Anugrahani Ardi Sanjaya Hamdani Ardi Sanjaya Hamdani, Ardi Sanjaya CHRISTHA MEIRIN D.S. Deddy Marciano Deliana Azaria Eujenita Siswoyo Fong Ida Melinda Henry Tirta Permana Henry Tirta Permana Jemmi Halim Liem Jemmi Halim Liem Jessica Mettana Liangga, Victor Marcelino Liliana Inggrit Wijaya Liliana Inggrit Wijaya Marcella Julia Shira Noordin, Noorliza MD Octaviano, Fransisco Oktavianus, Joshua Putu Anom Mahadwartha Putu Anom Mahadwartha Putu Anom Mahadwartha Putu Anom Mahadwartha Putu Anom Mahadwartha‬ Silalahi, Marwin Antonius Rejeki Sugiarto, Lady Safitri Sukianto Abadi Sukianto Abadi Theofilus Steven Susanto Werner R Murhadi Xuân, Phan Thị Hồng Yenny Yenny Yohan Prasetyo