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Anita Handayani
Universitas Muhammadiyah Gresik
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Journal : distribusi

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bahasa inggris Irma, Dwi Adisa; Handayani, Anita
Distribusi - Journal of Management and Business Vol. 14 No. 1 (2026): Distribusi, March 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v14i1.692

Abstract

This study aims to examine the effect of e-wallet usage, financial literacy, and consumptive lifestyle on the financial management of Generation Z in Gresik Regency, East Java. The rapid development of digital financial technology has encouraged the increasing use of e-wallets among young people, especially Generation Z, which may influence their financial behavior and management practices. This research employed a quantitative approach using a survey method. The data were collected from 180 respondents who are Generation Z and active users of e-wallets. The sampling technique used in this study was purposive sampling. Furthermore, the collected data were analyzed using the Statistical Package for the Social Sciences (SPSS) to test the relationships between the research variables. The results of this study indicate that e-wallet usage, financial literacy, and consumptive lifestyle have a significant effect on the financial management of Generation Z. These findings suggest that the increasing use of digital payment systems, supported by adequate financial knowledge, can influence how individuals manage their personal finances. However, a high level of consumptive lifestyle may also affect financial decision-making. This study implies the importance of promoting wise use of e-wallets, improving financial literacy, and controlling consumptive lifestyles in order to support better and more effective personal financial management among Generation Z
Co-Authors Achmad Davis Endy Pratama Afiatul Musrofah Afifah, Muhimah Agatha, Talitha Hardiyan Ainul Farodisah Aisyatu Rahma Hayati Akhilah Putri Fariyanah Fadiya Hayyah Alkusani, Alkusani Alwiyatun Nisa' Amelia, Imaniar Rizka Amilia Fajrin Ana Malikah Syarifatin Andi Rahmad Rahim Anggi Anjarsari, Tania Anis Zulia Sasmita Anissah Septyaningrum Arifana, Cindy Dwi Ariska Isnaini Putri Arya Setya Nugroho Asiamufidiawati, Isnaeni Dyah Atikotul Fauziyah Ayu rahmawati, Nanda Bagas Agung Prasetyo Bagas Hanggara Bahrul Ulum Baitaputra, Moh. Holil Bela Rozalia Bella Ayu Puspita Ningrum Bella Mey Frastista Bilqis Tahta Maulida Candraningrat, Candraningrat Chalimatus Sakdiyah Deni Yuliatin Dina Dodi Jaya Wardana Eka Martha Yuliatin Ernawati Ernawati Ery Tri Djatmika RWW Esa Safrillah Nur Laila Fansori, Rosihan Faqqihatut Toyyibah Fara Rifdah Faridatul Ulla Fatimatuz Zahroh Fazlur Rahman Rahawarin Firda Dwi Azzaroh Firdaus, Achmad Zuhaeri Frastista, Bella Mey Haq, Assyifa Nurul Hasan Hayati Sivak Hikmatus Shobri Nafi’ah Ilham Gresnaidi Ilmia Rahmawati Indah Ayu Isnawati Irma, Dwi Adisa Irmaya Tri Hartanti Jaya Agus Prastyo Jayanti Tri Handayani Jessica Novia Farhen Khakimah, Okky Aliyatul Khusnul Fajriyah Kurnia Dwi Immamah Leriana Trias Handayani Maya Fita Suwahyuni Mei Fita Asri Untari Mohammad Ali Masruri Moyang Waristi Mufidah, Khazimatul Muhammad Syahrurramanda Ramanda Muid.N, Abd.Muid.N Naabilah Surrohmawati Nafisah Zahrotun Nafisah Zahrotun Nanda Amalia Nastiti Putri Pertiwi Nazma alaika silma Niswatul Azifah Novita Anggraini Nur Fauziyah Pertiwi, Nastiti Putri Puji Handayati Putri Rahmah Sari Rafilah Maulidiya Ahmad Rahawarin, Fazlur Rahman Rahmat Agus Santoso Ramadhanti Dwi Novitasari Rikka Ristilestari Ririn Nur Aini Safitri Rizqi, Maulidyah Amalina Roziana Ainul Hidayati Rukhiyatul Jannah Safitri, Ririn Nur Aini Salma Sari, Meyristiana SATRIYAS ILYAS Shunhaji, Akhmad Siti Fatimah Siti Lestari Sukaris suratman Syarof, Rizalda Anjach Tania Anggi Anjarsari Utami, Wahyu Putri Vaninda Agustina Varomah Wati Vilantika, Elok Viqka Anggraeni Wahju Wardhana Waristi, Moyang Wasti Reviandani Widiharti Widiharti Wilda Fajriyah Yosi Firda Rahmadani Yuyun Istifadah Zamroni Zamroni