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All Journal Jurnal Ilmiah Manajemen dan Bisnis (JIMB) International Journal of Applied Business Research Jurnal Abdi Masyarakat (JAM) Jurnal Industri Kreatif dan Kewirausahaan Priviet Social Sciences Journal Journal of Fundamental Management (JFM) IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JAS (Jurnal Akuntansi Syariah)
Dian Primanita Oktasari
Universitas Mercu Buana
Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Financial Knowledge, Self-Confidence, and Stress: Determinants of Debt Usage Among Gen Z Oktasari, Dian; Putri Renalita Sutra Tanjung; Wieta Chairunesia; Tine Yuliantini; Anees Janee Ali
Jurnal Internasional Penelitian Bisnis Terapan Vol 8 No 01 (2026)
Publisher : Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijabr.v8i01.578

Abstract

This research aims to analyze the impact of Financial Knowledge, Financial Self-Efficacy, and Financial Stress on debt usage behavior among Generation Z, employing the framework of the Theory of Planned Behavior (TPB). A quantitative methodology utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) was adopted for this study. Data were collected through an online survey involving 100 Generation Z respondents in Indonesia. The findings indicate that Financial Knowledge positively influences both Financial Self-Efficacy and Financial Stress. Furthermore, Financial Self-Efficacy is associated with a reduction in the tendency to incur debt, whereas Financial Stress tends to increase it. Both variables serve as mediators between Financial Knowledge and debt usage behavior. These findings underscore the significance of financial literacy, coupled with enhanced self-confidence in financial management and effective financial stress management, to mitigate the risks of excessive debt among Generation Z. This study contributes to the development of the TPB model by incorporating psychological and emotional dimensions in the financial decision-making processes of young individuals.
Co-Authors Aditya Fitriani Anees Janee Ali Dafit Feriyanto Febrina Mahliza Fransisca Listyaningsih Utami Jihan Lathifah Khairunnisa Prita Prasetya Putri Renalita Sutra Tanjung Riska Rosdiana Ryani Dhyan Parashakti Sely Megawati Wahyudi Tanjung, Putri Renalita Sutra Tine Yuliantini Uly Amrina Verra Theresia Nikodemus Wieta Chairunesia Wieta Chairunesia Winda Widyanti Winda Widyanty