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Journal : Journal of Enterprise and Development (JED)

Financial technology, financial knowledge, and financial attitude of Generation Z: Determinants of financial behavior Prasetyo, Febrio Andi; Mustaqim, Mustaqim
Journal of Enterprise and Development (JED) Vol. 6 No. 2 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i2.9836

Abstract

Purpose — The aim of this study is to examine the influence of financial technology, financial literacy, and financial attitudes on the financial behavior of Generation Z  within the framework of Society 4.0.Method — This quantitative descriptive research utilizes a questionnaire-based data collection approach distributed online through Google Forms to university students in Sidoarjo. A total of 94 responses were gathered from the questionnaire distribution. Subsequently, to discern the individual impacts, the data from the questionnaire were subjected to analysis employing t-tests and multiple linear regression using SPSS version 2.1.Result — This study reveals that financial technology has an influence on the financial behavior of college students, while financial literacy affects their financial behavior. Additionally, financial attitudes also impact their financial behavior.Practical implications  — This study suggests a pressing need for educational institutions to enhance financial education programs, integrating concepts from behavioral finance and emphasizing practical application, to improve students' understanding of financial behavior and decision-making for effective personal financial management.
Financial technology, financial knowledge, and financial attitude of Generation Z: Determinants of financial behavior Prasetyo, Febrio Andi; Mustaqim, Mustaqim
Journal of Enterprise and Development (JED) Vol. 6 No. 2 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i2.9836

Abstract

Purpose — The aim of this study is to examine the influence of financial technology, financial literacy, and financial attitudes on the financial behavior of Generation Z  within the framework of Society 4.0.Method — This quantitative descriptive research utilizes a questionnaire-based data collection approach distributed online through Google Forms to university students in Sidoarjo. A total of 94 responses were gathered from the questionnaire distribution. Subsequently, to discern the individual impacts, the data from the questionnaire were subjected to analysis employing t-tests and multiple linear regression using SPSS version 2.1.Result — This study reveals that financial technology has an influence on the financial behavior of college students, while financial literacy affects their financial behavior. Additionally, financial attitudes also impact their financial behavior.Practical implications  — This study suggests a pressing need for educational institutions to enhance financial education programs, integrating concepts from behavioral finance and emphasizing practical application, to improve students' understanding of financial behavior and decision-making for effective personal financial management.
Co-Authors A.Z, Shantika Vidia AB, Subhan Abdul Mukit Ach. Athoillah, Ach. Athoillah Aditiya, Machlum Agus Jatmiko Agus Satory ahmad farid Ahmad Rifai Akmalia, Wilda Alfaris, M Salman Anam, Muhammad Khoiril Ananta, Berliana Andriani Andriani Andrina, Hanifaturrahmi Andy Kristafi Arifianto Anita, Khairani Ansari, Mohamad AR, Samsul Arfida Boedirochminarni Ariani, Ni Kadek Arifudin arifudin Aryati, Sri Nia Aryati, Sri Nia Aswin, Fajar Azhari Azhari Azkia Muharom Albantani Azzahra, Fatimah Ratu Basri, La Batara Daniel Bagana Bayu Surarso Budi Warsito Budi, Hasiun Cut Rauzatul Jannah Dicky Ardiansyah Didi Muwardi Djaimi Bakce Fadilah, Zahra Rahmah Fajar Nurwildani Fajar Restuhadi Fauzi, M Rifqi Febriyan, Dwi Gery Feriadi, Indra Findi, Septiani H, Royan Hadi Wibowo Hadi, Abd Hamida, Nur Hamidi, M. Rasyid Hanifaturrahmi, Hanifaturrahmi Hapzi Ali Haryanto, Slamet Heni Pujiastuti Imam Hidayat Irfannur, Irfannur Irwan Irwan Isman, Fairuz Isradias M, Isradias Jamil, Rahmat Jamil Arroziqi Jasfar Jas Kausar, Kausar Ketut Mahardika Khairunnisa, Risma Kholik, Abd Kurdi Kurdi Lizmah, Sumeinika Fitria Lovianti, Raina Desfit Lukman Hakim M, Isradias Mardliyah, Uswatul Mastuti, Indah Maswadi - Miniartini, Made mirajhusnita, Isradias Moh Jazuli, Moh Mubarak Mubarak Muhamad Yunus Muhammad Agus Shidiq Muhammad Rivai Muliari Muliari Mustafa Kamal Mutasar Muti, Asri Amalia NB, Mudzakkar Ni Wayan Widya Astuti Nidhar Irham Muharram Noor Afy Shovmayanti Novia Dewi NUR LAILA Nurariyanti, Lisa Nurhadiyanti, Nurhadiyanti Oviana Lisa Pamela Dinar Rahma Phonna, Ibnu Pradipta, Novitha Syari Dhevi Prasetyo, Febrio Andi Prestianto, Vipta Adji Raihan, M Rais, Lukman Raja Satria Utama Ridho Ahmad Bukhori Rini Mastuti Riyana, Iis Riza Rahman Hakim Rizky Bagus Pandu Efendi Rosnita Rosnita Roza Yulida rusnoto rusnoto Rusnoto, A Farid RW, Galuh Sadewa, Ketut M. Arya Sakti Hutabarat Salsabila Sanchez, Alba Liliana Sari, Putri Mustika Sari, Wenny N. Sedana, I Made Septiarditian, Septiarditian Septya, Fanny Sholekah, Sholekah Shorea Khaswarina Siska, Felia Siti Aminah Sulisti, Hidayu Sumardi . Sunarto, Mujiono Suwitra, I Nyoman suyatni, suyatni Syaiful Hadi Syakir, Ahmad Syaputri, Della Ubaidillah, Mukhammad Umisara, Elinda W, Galuh R Wahyudi, Reza Wenny Novita Sari Wiranda, Ledi Yossie, Ulfa Nuzalifah Yulia Andriani, Yulia Yulianda, Riki Yuniawati, Ratna Diah Yus Mochamad Cholily Yusmini, Yusmini Yusrizal Akmal Yusuf, Lutfi Afandi zailani, Ahmad Zainal Arifin Zulhamid Ridho Zulkifli Zulkifli