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All Journal JDM (Jurnal Dinamika Manajemen) Dinamika Pendidikan Rekayasa: Jurnal Penerapan Teknologi dan Pembelajaran Journal of Indonesian Economy and Business Daya Saing : Jurnal Ilmu Manajemen Management Analysis Journal Educational Management Ekspektra: Jurnal Bisnis & Manajemen Pendas : Jurnah Ilmiah Pendidikan Dasar SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Budimas : Jurnal Pengabdian Masyarakat Didaktik : Jurnal Ilmiah PGSD STKIP Subang Jurnal Terapan Manajemen dan Bisnis International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) BISMA (Bisnis dan Manajemen) Jurnal Penelitian Pendidikan Indonesia (JPPI) Management Analysis Journal Jurnal Ilmu Manajemen Dan Pendidikan "Indonesian Journal of Devotion and Empowerment (IJDE) "
Dwi Cahyaningdyah
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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THE INFLUENCE OF FINANCIAL LITERACY ON FINANCIAL BEHAVIOR WITH FINANCIAL RISK TOLERANCE AS A MEDIATOR AND EMOTIONAL INTELLIGENCE AS A MODERATOR IN GEN Z OF CENTRAL JAVA PROVINCE Linda Susilowati; Dwi Cahyaningdyah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 8 (2026): JULY
Publisher : RADJA PUBLIKA

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Abstract

This study aims to examine the effect of financial literacy on financial behaviour among Generation Z in Central Java, Indonesia, by investigating the mediating role of financial risk tolerance and the moderating role of emotional intelligence. This study employed a quantitative approach using a survey method. Data were collected through a structured questionnaire distributed to Generation Z respondents and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results indicate that financial literacy positively and significantly influences financial behaviour (β = 0.487, p < 0.001) and financial risk tolerance (β = 0.587, p < 0.001). Financial risk tolerance also positively affects financial behaviour (β = 0.342, p < 0.001). Emotional intelligence positively influences financial risk tolerance (β = 0.315, p = 0.001), but it does not directly influence financial behaviour (β = -0.024, p = 0.715). Furthermore, emotional intelligence strengthens the influence of financial literacy on both financial behaviour and financial risk tolerance. Financial risk tolerance also mediates the relationships between financial literacy and financial behaviour, as well as between emotional intelligence and financial behaviour. This study contributes to the literature by proposing a moderated mediation model that integrates cognitive, emotional, and risk management dimensions to explain sustainable financial behaviour among Generation Z in the digital economy.
Co-Authors - Ismiyati Agus Wahyudin Ahmad Nidhomulhaq Al Annafi, Jadi Ali Masyhar Andi Aulia Nurhaliza Anindya Ardiansari Athoillah Bayu Bagas Hapsoro, Bayu Bagas Catur Prabowo Dhany Kurniawan Putra Ervina Ratna Ningsih, Ervina Ratna Faidah, Faridhatun Fakhruddin Fakhruddin Faridhatun Faidah Fathiyyatil Faizah Fitri, Hery Kharisma Irnin Miladdyan Airiq Ismiyati, Ismiyati Kris Brantas Abiprayu Kris Brantas Abiprayu, Kris Brantas Lestari, Endah Prapti Linda Susilowati M. Iqrar Nusa Bhakti Marliawati, Annisa Milhah Alfionita Najib, Andi Septian Nidya Arum Cahyasani Niswah Baroroh Nurul Kamilia Okky Setiawan Praatmana, Nanang Dwi Pranisma Salsa Imeldania Prasetyo, Taat Rini Setyo Witiastuti Rohayati S Martono Sadewo, Rizal Abdul Jabbar Salsabila Nadianisa Maruto Sari, Kartika Dwi Chandra Siti Harfihamzah Indra Naomi Sucihatiningsih Dian Wisika Prajanti Sugiyarta Stanislaus, Sugiyarta Ulfana Hidayati Ulya, Laila Listiana Witasari, Okti Wulansari, Rossita Yessy Ardina Emilia Yuli Utanto Yustieana Dian Ressany