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All Journal Journal of Business & Banking Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Muara Ilmu Ekonomi dan Bisnis JURNAL AKUNTANSI Jurnal Manajemen Bisnis dan Kewirausahaan Jurnal Manajemen Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal ABDIMAS (Pengabdian kepada Masyarakat) UBJ JURNAL BARUNA HORIZON Journal of International Conference Proceedings
Amelinda, Rita
Fakultas Ekonomi Dan Bisnis; Universitas Kristen Krida Wacana
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Journal of International Conference Proceedings

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Exploring The Relationship between Financial Awareness and Lifestyle Indulgence in Influencing Personal Finance Strategies and Investment Decisions Among Generation Z Tanoni, Meisien Elfira; Ann, Sheryl; Amelinda, Rita
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3943

Abstract

This study examines the influence of financial literacy and a hedonistic lifestyle on personal financial management and investment decisions among Generation Z. Using a quantitative approach and purposive sampling technique, data were collected from 172 respondents aged 17–27 who manage their own finances and have investment experience. The data were analyzed using SmartPLS 3.0, which included tests for measurement models, structural models, and hypotheses. The results show that financial literacy and personal financial management positively and significantly affect investment decisions. On the other hand, a hedonistic lifestyle has a negative and significant impact on both personal financial management and investment behavior. The study also found that personal financial management mediates the relationship between financial literacy and investment decisions, as well as between hedonistic lifestyle and investment decisions. These findings highlight the importance of financial education and lifestyle control in improving investment outcomes among Gen Z. Encouraging better financial knowledge and responsible money habits can lead to more effective and informed investment decisions.
The Impact of Financial Literacy, Self-Control, and Digital Payment Usage on Generation Z's Consumer Behavior in West Jakarta Elaine, Angelica; Dharma, Evani Kurnia; Amelinda, Rita
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3941

Abstract

This research seeks to examine the impact of financial literacy, self-control, and digital payment usage on the consumer behavior of Generation Z in West Jakarta. As a generation raised in the digital age, Generation Z demonstrates spending habits that are shaped by technological developments, including the convenience offered by digital payment platforms. The study adopts a quantitative approach, utilizing surveys through questionnaires distributed to Generation Z individuals living in West Jakarta. Data analysis is carried out using Outer Model and Inner Model evaluations. The findings reveal that financial literacy negatively influences consumer behavior, indicating that individuals with higher financial literacy are less likely to engage in excessive spending. Similarly, self-control also shows a negative relationship with consumerism, suggesting that those with stronger self-regulation tend to make more thoughtful purchasing decisions. In contrast, digital payment usage has a positive effect on consumerism, implying that transaction convenience may lead to increased impulsive buying. These results highlight the importance of developing more effective financial education programs tailored for Generation Z
Co-Authors Ann, Sheryl Anwar, Roseline Mannuela Bambang Siswanto Dharma, Evani Kurnia Elaine, Angelica Eva Oktavini Evelin, Catherine Hendry Wijaya Hery Winoto TJ Ida Puspitowati Kartika Nuringsih Magdalena, Febriani Christina Susianti Magdalena, Febriani Cristina Susianti Melitina Tecoalu MN, Nuryasman Nuringsih, Kartika Riruma, Olfien Saparso Saparso Tanoni, Meisien Elfira Tarigan, Krisnawati Widjaja, Daniel Yulita Pangestu Ongkowidjaja