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All Journal EQUILIBIRIA Measurement : Jurnal Akuntansi Minda Baharu Jurnal Ilmiah Akuntansi dan Finansial Indonesia International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Pengabdian Ibnu Sina
Sri Mulyati
Akuntansi, Fakultas Ekonomi Dan Bisnis, Universitas Riau Kepulauan
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Social Sciences Other

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GENERATION Z FINANCIAL MANAGEMENT FROM A BEHAVIORAL FINANCE PERSPECTIVE: THE ROLE OF FINTECH, CONSUMPTIVE BEHAVIOR, FINANCIAL ATTITUDE, AND FINANCIAL PLANNING Suhandi; Sri Mulyati; Hanafi Siregar
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 5 (2026): APRIL
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20123560

Abstract

This study aims to analyze the effect of financial technology (fintech) usage, consumptive behavior, financial attitude, and financial planning on the personal financial management of Generation Z in Tiban Baru Village, Batam City. A quantitative approach with a descriptive design was employed. Data were collected through a survey of 373 Generation Z respondents who actively use fintech, using a questionnaire instrument. Multiple linear regression analysis was conducted with the assistance of IBM SPSS Statistics 25. The findings reveal that, simultaneously, fintech usage, consumptive behavior, financial attitude, and financial planning have a significant effect on personal financial management, as indicated by an F-count value of 108.008, which exceeds the F-table value of 2.40 at a significance level of 0.000 < 0.05. Partially, fintech usage and financial planning have a positive and significant effect on personal financial management, while consumptive behavior exerts a negative and significant effect. Financial attitude, however, does not have a significant effect on personal financial management, as evidenced by a significance value of 0.089 > 0.05.These findings suggest that optimizing fintech usage and maintaining sound financial planning can enhance the quality of financial management among Generation Z, while consumptive behavior needs to be kept in check. This study carries important implications for the development of behavior-based financial literacy and financial education programs targeting Generation Z.
Co-Authors Ari Wiradinata ariyati, Yannik Artinus Buulolo Aznedra Aznedra Bella Aprilia Bosar Hasibuan Cahyo Budi Santoso Catur Fatchu Ukhriyawati Diah Ayu Pratiwi Hamidah Armaini Hamidi Hamidi Hamidi Hamidi Hanafi Siregar Ita Mustika Jasmine Afifah Meri Enita Puspita Sari Muhammad Hidayat Muharam Muharam Paza Kholila Ravika Permata Hati RAVIKA PERMATA HATI Reza Nandika Risa Opiani Rizki Eka Putra Rohana Marito Pasaribu Siti Rabiah Suhandi Syafruddi Syafruddin Umul Hasanah