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All Journal Jurnal Penelitian dan Pengembangan Sains dan Humaniora (JPPSH) JAM : Jurnal Aplikasi Manajemen JBMP (Jurnal Bisnis, Manajemen dan Perbankan) JURNAL MANAJEMEN Agritrop : Jurnal Ilmu-Ilmu Pertanian (Journal of Agricultural Science) International Journal of Social Science and Business Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Jurnal Penelitian IPTEKS JURNAL MANAJEMEN DAN BISNIS INDONESIA Jurnal Abdi Insani Bisnis Net : Jurnal Ekonomi dan Bisnis CENDEKIA : Jurnal Ilmu Pengetahuan Journal of Community Development Jurnal Simki Economic Dynamic Management Journal Jurnal Ekonomi dan Bisnis GROWTH (JEBG) Jurnal Akuntansi, Manajemen dan Bisnis Digital Borobudur Management Review Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Comparative : Ekonomi Dan Bisnis Jurnal Manajemen, Akuntansi, Ekonomi Jurnal Mahasiswa Entrepreneur Journal of Advances in Accounting, Economics, and Management Manajemen : Jurnal Ekonomi Media Riset Bisnis Ekonomi Sains dan Terapan Jurnal Agribest Ektasi : Jurnal Ekonomi, Akutansi dan Organisasi Jurnal Penelitian IPTEKS Jurnal Ilmiah Manajemen Dan Kewirausahaan Proceeding of International Conference on Social Science and Humanity
Trias Setyowati, Trias
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Journal : Jurnal Simki Economic

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Pengaruh Religiusitas, Budaya, Literasi Keuangan dan Lingkungan Sosial terhadap Perilaku Menabung Gen Z Domas, Dai Dito; Setyowati, Trias; Samsuryaningrum, Ira Puspitadewi
Jurnal Simki Economic Vol 8 No 1 (2025): Volume 8 Nomor 1 Tahun 2025
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v8i1.1153

Abstract

This study examines the influence of religiosity, culture, financial literacy, and social environment on the savings behavior of generation Z, with a case study of high school students in Ambulu District. This study is motivated by the high level of consumptiveness in generation Z, which affects savings habits. Data from the Katadata Insight Center (KIC) shows that most generation Z rarely save or separate savings from daily expenses. Based on the Theory of Planned Behavior, this quantitative study collected data through questionnaires distributed to 100 high school students. Data analysis was carried out using multiple linear regression to test the impact of independent variables on savings behavior. The findings show that the level of religiosity, culture, financial literacy, and social context have a significant influence on savings behavior. Religiosity forms financial discipline and responsibility; culture encourages thrift and planning; financial literacy helps decision making; and a supportive social environment encourages interest in saving. This model is able to explain 73.4% of the variation in savings behavior, while the remaining 26.6% is influenced by other factors outside the model, such as personal motivation, education, economic conditions, or other external influences.
Co-Authors -, Nursaid Abadi Sanosra Achmad Hasan Hafidzi Afandi, Muhammad Rizal Ahmad Fatoni, Setio Ahmad Izzuddin Alfianti, Siska Aula Amelia, Dewi Alvinatul Arifianto, Deni Ashari, Nada Ayu Azizah, Afrilia Nurul Bunga Maharani Damayanti, Jessica Putri Darmawan, Misbahul Diansari, Tatit Dinda Puspa Sari Domas, Dai Dito Dwi Budi Santoso Fajar Amin, Muhamad Friskia Hia, Yohana Gilang Ramadhan Haris Hermawan, Haris Hasanah Hasanah Hasanah, Arifatul Hasanah, Iraudatul Herlambang, Toni Husnah, Lutfiatul Ida Ayu Putu Sri Widnyani Ika Priantari Insyroh, Wardatul Islamiyah, Suci Kamalia, Carissa Nur Aulia Mabrulifandi, Mabrulifandi Maheni Ika Sari Naning Kristiyana, Naning Nata, Ardi Wira Ningsih, Ila Irmawati Noviana, Nita Nurianto, Nanang Eko Nuriyah, Sinta Nuriyatul, Dinda Nursaidah Nursaidah, Nursaidah Nurul Qomariah Oktabella, Nancy Sophia Pratama, Ahmad Febrian Pulungan , Ummi Hasanah Putra, Hafidz Ihza Restu Rahayu, Jekti Ramadhan, Muhammad Alfan ramadhan, wildan aditya Ratnasari, Sevita Rifqi, Mohammad Iqbal Riskiyono, Syahroni Rismawati, Rizki Riyanto Setiawan Suharsono Rusdiyanto Rusdiyanto, Rusdiyanto S, Wahyu Eko Safikri, Hastanti Nindita Saidah, Nur Samsuryaningrum, Ira Puspitadewi Santana, Taufiqurrahman Hadi Sevita Ratnasari, Sevita Solikah, Ita Suharso, Wiwik Suharto, Akhamd Suharto, Akhmad Sulistiyowati, Dian Sunarti Surahmah, Daris Tatit Diansari Reskiputri, Tatit Diansari Taufiqurrahman Hadi Santana Toni Herlambang Tyas, Wenny Murtalining Umamy, Septi Holisa Umamy, Septy Holisa Ummi Hasanah Wardhana, Danu Indra Wardhani, Wahju Dyah Laksmi Wibowo, Yohanes Gunawan Wicaksono, Wahyu Wisudo Widjayanti, Fefi Nurdiana Winahyu, Pawestri Yafie, Yogie Indra Yuniatiningsih, Dwi