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Etik Umiyati
Department Of Economics, Faculty Of Economics And Business, Universitas Jambi, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Financial inclusion, demographics, and experiential learning as drivers of entrepreneurial intention among Generation Z Umiyati, Etik; Hastuti, Dwi; Kusuma Edy, Jaya
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 2 (2025): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v13i2.43725

Abstract

In the contemporary digital economy, entrepreneurial development has become a crucial factor in strengthening national competitiveness. Higher education institutions are therefore expected to cultivate entrepreneurial capacity among students, particularly those from Generation Z, who face increasingly dynamic economic challenges. This study aims to analyze the effects of financial literacy, financial inclusion, and demographic factors on entrepreneurship and entrepreneurial intention. The study employed a quantitative approach using survey data collected from students of the Faculty of Economics and Business at Universitas Jambi. The data were analyzed using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) method. The results indicate that financial inclusion has a significant positive effect on both entrepreneurship and entrepreneurial intention, while demographic factors significantly influence entrepreneurship but do not directly affect entrepreneurial intention. Entrepreneurship itself exerts a strong, significant effect on entrepreneurial intention, suggesting that entrepreneurial engagement serves as the primary pathway through which background characteristics and access to financial services are translated into entrepreneurial intention. In contrast, financial literacy does not show a significant direct effect on either entrepreneurship or entrepreneurial intention. These findings highlight that access to financial services and experiential entrepreneurial engagement are more decisive than financial knowledge alone in fostering entrepreneurial intention among Generation Z students, implying that universities should prioritize practice-based entrepreneurship education supported by inclusive financial access.
Co-Authors Afrianita, Suci Alin, Nessy Fameylan Amri Amir Andi Mulyadi Aqil , Muhammad Arman Delis Candra Mustika Dio Caisar Darma Dwi Hastuti Edy, Jaya Kesuma Edy, Jaya Kusuma Eko Prasetyo Erni Achmad Faradina Zevaya Fitri, Nuril Hardiani Hardiani . Hardiani Hardiani Haryadi Haryadi Haryadi Haryadi Haryadi Haryadi Heriberta Heriberta Irwanto, Ajis Junaidi Junaidi Junaidi Junaidi Lubis, Fannysha Yana Luthvia Istiqomah M. Ridwansyah Maisyarah, Nyimas Dian Minati, Jurnia Muhammad Firmansyah Muhammad Ridwansyah Mustika, Candra Nopriansyah Nopriansyah Nurhayani Nurhayani nurhayani Nurjanah, Rahma NURUL HIDAYAH Nurwahyu Ningsih, Endah Parmadi Parmadi Parmadi Parok, Al Purwaka Hari Prihanto Putri, Ersanti Laras Eka Putri, Nurdiana Putriyaningsih, Dessy Ray, Ray Evando Rosmeli, Rosmeli Rosminah, Rosminah Sartika Rakasiwi, Ajeng Selamet Rahmadi Syahrur Romi Syaparudin, syaparuddin Tasia Sapta, Liliana Waroko Hakim Wasi Riyanto Widiyanti, Heni Zakia Zakia Zulfanetti , Zulfanetti Zulfanetti Zulfanetti Zulfanetti Zulfanetti Zulfanetti, Zulfanetti Zulgani Zulgani