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All Journal Jurnal Kebijakan Publik JAM Jurnal El-Riyasah : Jurnal Kepemimpinan dan Administrasi Marwah: Jurnal Perempuan, Agama dan Jender Menara Riau: Jurnal Ilmu Pengetahuan dan Pengembangan Masyarakat Islam Jurnal Tabarru': Islamic Banking and Finance Jurnal Industri Kreatif dan Kewirausahaan Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi Jurnal Manajemen dan Perbankan (JUMPA) PROGRESIF Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Community Service Journal Of Economic Education Jurnal Ekonomi, Manajemen, Akuntansi Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM)
Yessi Nesneri
Universitas Islam Negeri Sultan Syarif Kasim
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Determinan Perilaku Pengelolaan Keuangan Pada Generasi Z di Kota Pekanbaru Septia, Leni; Nesneri, Yessi
Akuntansi dan Manajemen Vol. 19 No. 2 (2024): Jurnal Akuntansi dan Manajemen
Publisher : Jurusan Akuntansi Politeknik Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30630/jam.v19i2.281

Abstract

Financial management behavior is one of the issues that generation Z must pay attention to so that generation Z avoids excessive debt, can manage finances wisely, and is able to prepare themselves for a future with stronger financial stability. Because generation Z is an important group in Indonesian society and has great potential to shape the country's future. This research aims to determine the determinants of financial management behavior in Generation Z in Pekanbaru City through the variables of financial literacy, financial technology, lifestyle and parental income, with a sample of 270 respondents who were analyzed using the SEM-PLS 4.0 statistical tool. The results of the research show that the variables Financial Literacy, Financial Technology, Lifestyle have a positive and significant effect on Financial Management Behavior in Generation Z in Pekanbaru City, while the variable Parental Income does not have a significant effect on Financial Management Behavior in Generation Z in Pekanbaru City. The magnitude of the influence of Financial Literacy, Financial Technology, Lifestyle and Parental Income on Financial Management Behavior in Generation Z in Pekanbaru City is 61.1% and the remaining 38.9% is influenced by additional variables that were not studied.
Meningkatkan Kemampuan Keuangan: Peran Mediasi Perilaku Keuangan (UMKM) Di Kecamatan Tuah Madani Rahmi, Fitri; Nesneri, Yessi
Akuntansi dan Manajemen Vol. 20 No. 2 (2025): Jurnal Akuntansi dan Manajemen
Publisher : Jurusan Akuntansi Politeknik Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30630/jam.v20i2.343

Abstract

Financial capability is one of the important aspects in the sustainability of MSMEs in order to survive and develop. This study aims to analyze the effect of financial knowledge, financial skills, financial attitudes, and financial inclusion on financial capability with financial behavior as a mediating variable in MSME players in Tuah Madani District, Pekanbaru City. This research uses a quantitative approach with Partial Least Squares - Structural Equation Modeling (PLS-SEM) analysis technique through SmartPLS 4 and a sample of 116 respondents obtained using purposive sampling technique. The results showed that financial knowledge, financial skills, and financial behavior have a significant effect on financial capability. while financial attitudes and financial inclusion have no significant direct effect on financial capability. Financial behavior mediates the relationship between financial knowledge and attitudes towards financial capability. However, financial behavior does not mediate financial skills on financial capability. The R² value of 0.779 indicates that 77.9% of the financial capability variable can be explained by the variables in this model, the remaining 22.1% is influenced by other variables outside this study.
Co-Authors Anna Nurlita Aras Aira Aras Aira Azwar Azwar Azwar dani sapitri, rahma Farin Junita Fauzan Fitri Hidayati Fitri Rahmi Hendeiza Ayu Dinanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Museliza, Virna Nasrah, Hidayati Nurhayati, Yuni Nurul Khumairoh Putri, Annisa Syahrani Sapitri, Rahma Dani Sari, Desi Novita Septia, Leni Sitorus, Siti Hazar Ulfiah Novita Ulfiah Novita Utami, Salsabila Wulandari, Pipit