Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Journal Of Management Science (JMAS)

Financial literacy and financial technology on the personal finance behavior of generation z Perawati, Perawati; Juniwati, Juniwati; Malini, Helma; Azazi, Anwar; Mustika, Uray Ndaru
Junal Ilmu Manajemen Vol 8 No 1 (2025): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v8i1.589

Abstract

The Indonesian economy is experiencing significant expansion, driven by technological advancements, with financial literacy being crucial to enhancing understanding and financial education among Generation Z in West Kalimantan. The present research aims to examine the influence of financial literacy on the personal financial behavior of Generation Z, both directly and via lifestyle as a mediating variable, while also analyzing the direct impact of financial technology on their personal finances. This study employed a qualitative research technique utilizing a causal associative method, involving a sample of 247 respondents from Generation Z in West Kalimantan. Data were gathered via surveys and analyzed via structural equation modelling (SEM) with SmartPLS 4.0 software. Research findings indicate that financial literacy has a positive and significant influence on the personal finance behavior of Generation Z, with lifestyle serving as an effective mediator. The results underscore the significant of financial literacy and lifestyle in influencing improved financial behavior among Generation Z, with implications for developing more effective financial education programs.
Co-Authors Abdul Azis Abdul Azis Abdul Azis Abdul Kadri, Abdul Adelia, Nabila Aida Rahmi Nasution, Aida Rahmi Alziqraf, Muhammad Chevin Ananda, Naiya Anastasya, Sumita Anisyah, Nur Anwar Azazi Arena, Tina Arrafi, Muhammad Luthfi Arshyara, Safa Azzahra, Syifa Cantika, Mikha Sevti Corvina, Nindy Elsa Desliani, Desliani Dwi Sartika, Eva Elmiafyra Khoirunnisa Emidiana Emidiana Ermawati Ermawati Fachry Abda El Rahman Faizah , Andi Nurul Farida Farida Fauzi, Hanum Kusuma Febriani, Andini Feri Firmansyah, Feri Firdaus, Rida Syifa Azzahro Grace, Grace Hanapi, Hariani Hanifa Mardia Wafda Harris, Devika Syakira Helma Malini HERA, TRENY Herliza, Putri Dewi Irine Kartika Pebrianti Jamaludin M Sakung Jayawarsa, A.A. Ketut Jonathan, Jonathan Wiliam Salomo Juliana, Nova Juniwati Juniwati Liya Lugita Sari Liyana, Liyana M. Ihsan M. Saleh Al Amin, M. Saleh Maulana, Nazwa Safira Meutia, Adinda Zahra Mochammad Imron Awalludin Moh. Mudassir Ali Mudari, Camilla Dwi Muhammad Fauzi Mursal Mursal Murwati Murwati Mustika, Uray Ndaru Najwa, Mumtaz Mauna Nasrun, Muh Nike, Tisesa Ningsih, Dwi Wahyu Nita Nurdiana Noverma Noverma Nurhaliza, Syafira Pebrianti, Irine Kartika Pratiwi, Yube Nadiya Purba, Dini Khoirunnisa Putri, Dwita Rani Putri, Sindi Dwi Rahmadani, Fatiah Rahman, Aida Fitri Ramadani, Ayu Sinta Ramadhani, Zaskya Diza Rudin, Haidar Rukhayati, Rukhayati SARI, LEZI YOVITA Sari, Suci Mardiah Saurina, Najwa Rhea Shafa, Zaharani Siallagan, Jepri Antonius Saputra Silalahi, Febby Valeriana Bahagia Boru Soraya, Syifa Sri Rejeki Suci Suci, Suci Sulaiman, Husni Taek, Emanuel Mau TRI SUSANTI Trimardani, Oktavia Devi Untarti, Dade Prat Usman, Aqilah Sakura Utami, Cindikha Mira Utami, Try Utma, Siti Syafaatul Wati, Masitah Sri Raya Wulandari, Indah Ayu Yeni Wulandari Yudi Irwansi, Yudi Yulianti, Sri Putri Yusefri, Yusefri Yuya, Tahniah Aurelia Putri