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Dian Prawitasari
Fakultas Ekonomi Dan Bisnis, Universitas Dian Nuswantoro, Indonesia
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Journal : solusi

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Financial Behavior of Gen Z Students: Digital Lifestyle, FoMo, and Financial Literacy Dian Prawitasari; Ana Kadarningsih; Mubashir Ahmad
Solusi Vol. 23 No. 3 (2025): July
Publisher : Fakultas Ekonomi, Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/slsi.v23i3.12359

Abstract

The financial behavior of Generation Z is now starting to become worrying. Generation Z is considered a generation that is highly skilled at utilizing digital technology in every online shopping activity so that it tends to be consumptive in daily activities. Generation Z is not yet able to manage finances so that it increases consumptive behavior that will be detrimental to finances in the future. This study aims to examine the factors that influence the financial management behavior of Generation Z, especially students. The factors to be studied include financial literacy, digital lifestyle and fear of missing out in influencing financial management behavior. Data processing uses SEM-PLS analysis with SmartPLS Version 3.2.8 as an analytical tool. The population of this study is Generation Z students who are studying in the city of Semarang. The sample of this study is Generation Z who are still students, amounting to 147 people. The results of this study state that financial literacy has a positive significance on the financial behavior of Generation Z, especially students. Meanwhile, the variables of fear of missing out and digital lifestyle have no influence on financial management behavior in Generation Z who are still students. The results also show that financial literacy is an absolute factor that influences the financial behavior of Generation Z students
Co-Authors Adilla Kustya Ulfa Almira Santi Samasta Amalia Nur Chasanah Ana Kadarningsih Kadarningsih Andhika Ryan Priyatam Andi Hallang Lewa Anna Sumaryati Arditya Dian Andika Aries Setiawan Aris Puji Purwatiningsih Awanis Linati Haziroh Aza Ilfana Bara Zaretta Brian Ardya Pandhega Budi Widjajanto Budi Widjajanto Charis Masduki Diana Puspitasari Dinda Ayu Sabrina Dwi Eko Waluyo Dwi Eko Waluyo Ella Fitriana Endang Setyowati Fajar Rizkina Rorensia Fakhmi Zakaria Fakhmi Zakaria Fakhmi Zakaria Febrianur Ibnu Fitroh Sukono Putra Foza Hadyu Hasanatina Galih Sephiani Rafika Duri Guruh Taufan Hariyadi Hertiana Ikasari Ichwan Ichwan Setiarso Ichwan Setiarso Ida Farida Ida Farida Imam Nuryanto Iqlima Zahari Izhatullaili Jaka Prasetya Juli Ratnawati Karmila Karmila Karmila Lely Kusumaningrum Lely Kusumaningrum Kusumaningrum Lenni Yovita Linda Ayu Oktoriza Lydia Rossa Marwita Maria Safitri Moch. Sjamsul Hidajat Monica Dwi Handayani Mubashir Ahmad Nadira Rohadatul Aisy Nadya Desti Amilya Putri Nanda Budi Kurniasih Nayla Ristyanindita Hendris Ngurah Pandji Mertha Agung Durya Nico Alexander Vizano Nur Rokhman Oktoriza, Linda Ayu Pradana Jati Kusuma Pradana Jati Kusuma Prihandono, Adi Priskila Septyan Anggriyani Purnomo, Dedi Joko Puspita Azura Diva Rachmalia Qonita Maharani Raden Ayu Aminah Rizkia Puspita Sari Raul Kurniawan Riko Tresno Mulyo Rudi Kurniawan Saraswati, Galuh Wilujeng Shujahat Ali Sih Darmi Astuti Silvanda Hilda Zannuba Suhita Whini Setyahuni Suryanti Suryanti Usman Usman Vania Puspita Sari Vicka Dilla Ayu Puspita Vicky Oktavia Vivi Noviana Widyatmoko Karis Yenny Ernitawati Yohan Wismantoro Yulita Setiawanta