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All Journal Jurnal Ilmu Manajemen (JIM) Marwah: Jurnal Perempuan, Agama dan Jender Jurnal Al-Iqtishad Sosial Budaya Journal of Accounting and Investment Daya Saing : Jurnal Ilmu Manajemen Jurnal Pengabdian UntukMu NegeRI IJBE (Integrated Journal of Business and Economics) Petra International journal of Business Studies (IJBS) Muhammadiyah Riau Accounting and Business Journal Kutubkhanah Jurnal Penelitian Sosial Keagamaan
Susnaningsih Muat
Department Of Management, Faculty Of Economics And Social Sciences, Universitas Islam Negeri Sultan Syarif Kasim, Riau, Indonesia
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Financial Wellness Gen Z: The Influence of Financial Literacy, Behavior, Stress, Religiosity, Locus of Control, and FOMO Windi Tri Pani; Susnaningsih Muat
Petra International Journal of Business Studies Vol. 8 No. 2 (2025): DECEMBER 2025
Publisher : Master of Management, School of Business and Management, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/petraijbs.8.2.195-205

Abstract

This study aims to determine the effect of financial literacy, financial behavior, financial stress, religiosity, locus of control, and fear of missing out (FOMO) on the financial wellness of Generation Z in Riau Province. Generation Z is a productive age group facing a transition from education to work, marked by consumerist patterns, social media influence, and financial management challenges. This study uses a quantitative approach, employing an online survey, to reach Generation Z in 10 districts and 2 cities in Riau Province. The sample used in this study was 402 respondents selected through purposive sampling. The respondents were Generation Z individuals born in 1997-2007, domiciled in Riau Province, and data analysis was conducted using SPSS and SmartPLS software version 4. The research findings show that financial literacy, behavior, and locus of control have a significant positive effect on financial wellness. Financial stress and religiosity have a positive but insignificant impact on financial wellness. Meanwhile, fear of missing out (FOMO) negatively impacts the financial wellness of Gen Z in Riau Province.
Co-Authors Agung Prayogo Fachrurrozi Fachrurrozi Irien Violinda Anggriani Khairil Henry Nelsi Arisandy nelsi arisandy arisandy, nelsi arisandy Sahwitri Triandani Sari, Nana Tanjung, Andini Triandani, Syahwitri Windi Tri Pani