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Erna Apriani
Universitas Pelita Bangsa
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Journal : Global Financial Accounting Journal

 1 
Insurance Literacy Among Gen Z Women: Financial Literacy and Education Level as Mediating Variables Latif, Abdul; Apriani, Erna; Hartati, Nani; Afandi, Dian Rachmawati
Global Financial Accounting Journal Vol. 9 No. 2 (2025)
Publisher : Accounting Department, Faculty of Business and Management, Universitas Internasional Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/gfa.v9i2.11283

Abstract

Gen Z, as the demographic bonus generation, certainly has an important role to play. The number of independent women today can rival the number of male workers, making women a benchmark for economic growth. From this phenomenon, Gen Z women in Indonesia's journey towards a golden Indonesia in 2045 must understand and use insurance products for long-term protection. Based on this background, this study aims to examine several aspects: first, the direct role of financial literacy on insurance literacy; second, the direct Influence of financial literacy on Education level; third, the direct impact of Education level on insurance literacy; and fourth, the mediating role of Education level in the indirect relationship between financial literacy and insurance literacy. The research method employs a quantitative causal approach, with a sample of Gen Z women in Bekasi Regency using purposive sampling with 100 respondents. Data analysis techniques utilize SEM PLS (Structural Equation Modeling – Partial Least Squares) with the SmartPLS statistical tool. The results of the study found that financial literacy and Education level directly and significantly Influence insurance literacy. In contrast, financial literacy directly and significantly influences Education level, and Education level mediates the relationship between financial literacy and insurance literacy
Co-Authors Abdul Latif Abdul Latif Abdul Latif Aditya, Vetra Venesia Akfika Rizky Sabilla Akfika Rizky Sabilla Alfareza, Dimas Sheva Aprilianti Aprilianti Aprilianti Aura Puspaningrum Az-Zahro, Najwa Azzahra, Naoera Aliya Defitri, Astrian Hessy Dewi Rahmawati Cahyaningrum Dian Rachmawati Afandi Dimas Pratama, Abdillah Dina Faradilla Dwi Epty Hidayaty Elsa Mahardika Erin Soleha Etty Zuliawati Zed Fachrial Banyu Asmoro Fachrial Banyu Asmoro Faradilla, Dina Fatimah Fatimah Gina Asri Ruwaida Hartati, Nani Hidayah, Alifah Putri Hidayah, Zulfa Zakiatul Hoerudin, Abdul Fahri Indra Permana Indra Permana Indra Permana, Indra Isarianto Isarianto Isarianto, Isarianto Karunia, Putra Latif*, Abdul Mandala, Kesha Meiva Mariyatul Qibthiyah Maulina Dyah Permatasari Muhamad Novreysa Muhamad Syahwildan Muthmainnah, Hasna Nining Yurista Prawitasari, S.H.,M.H. Nurjanah, Rina NURUL ANNISA Pebiola Pebiola Perdana, Muhammad Aditya Permatasari, Maulina Dyah Pupung Purnamasari Pupung Purnamasari Putri, Rika Ramana Rad Cloud Dirgantoro Kesumojati Ridwan R, Ridwan Rizka Estisia Pratiwi Sabilla, Akfika Rizky Sayudi, Akbar Sinaga, Elisabet Natalia Sopiyan, Sopiyan Sunita Dasman Syaefulumam, Fahmi Tsabitah, Sahlaa W, Wiyarno Widiastuti WIDIASTUTI - Widiastuti Widiastuti Wiyarno Wiyarno W Wiyarno, Wiyarno Yahya, Adibah Zahra, Alfia Zulfa Zakiatul Hidayah Zulfa Zakiatul Hidayah