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All Journal Owner : Riset dan Jurnal Akuntansi Jurnal Pengembangan Wiraswasta Jurnal Komunitas: Jurnal Pengabidian Kepada Masyarakat Community Development Journal: Jurnal Pengabdian Masyarakat Aliansi : Jurnal Manajemen dan Bisnis EKOMABIS: Jurnal Ekonomi Manajemen Bisnis JOURNAL SCIENTIFIC OF MANDALIKA (JSM) PERADABAN JOURNAL of ECONOMIC and BUSINESS E-Jurnal Ekonomi dan Bisnis Universitas Udayana
Eka Avianti Ayuningtyas
Universitas IPWIJA
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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FINANCIAL LITERACY AND HERDING EFFECTS ON GENERATION Z’S SAVING BEHAVIOUR: EVIDENCE FROM BEKASI DISTRICT Oom Tikaromah; Maharani Dwi Astuti; Sunita Dasman; Eka Avianti Ayuningtyas
E-Jurnal Ekonomi dan Bisnis Universitas Udayana VOLUME.15.NO.03.TAHUN.2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EEB.2026.v15.i03.p02

Abstract

A country's economic success is generally measured by its growth rate, which is influenced by public investment and savings. Savings are considered a constructive financial habit because they not only support national economic stability but also help individuals meet future financial needs. This study aims to analyse the role of herding behavior as a mediating variable in the relationship between financial literacy and saving behavior. Data were obtained from 100 Generation Z respondents in Bekasi Regency using purposive sampling techniques. The analysis was conducted using the Partial Least Squares (PLS) approach using SmartPLS 4.0 software. The results showed that financial literacy had a positive effect on saving behavior, while also increasing the tendency for herding behavior. These findings confirm that herding behavior plays a significant mediating role in strengthening the relationship between financial literacy and saving habits. Thus, social factors in the form of peer influence are proven to be an important aspect in shaping Generation Z's financial decisions. The implications of this study emphasise the need for financial education strategies that not only focus on increasing individual knowledge but also consider the social dynamics that encourage sustainable saving behavior.
Co-Authors Adibah Yahya Aim Abdul Karim, Aim Abdul Alkautsar, Obrin Amalia, Putri Nur Amaludin Prawira Anggraita Primatami Dewi Oktavianti Fadilah Eka Giovana Asti Ernawati, Rini harisandi, Prasetyo Ina Marlina Jen Zainal Asyikin Hans Maharani Dwi Astuti Maya Kharisma Muh. Ali Maskuri Muhamad Suhendy Fadriansyah Muhsoni, Ridwan Ningrum, Siti Maya Nurjanah, Rina Putri, Lyra Aprilia Rini Setyowati, Rini Santoso, Ary Siti Maisyaroh Siti Marliah Sri Lestari Prasilowati Sunita Dasman Taufik Hidayat Taufik Taufik Tikaromah, Oom Titing Widyastuti Widodo Widodo Yahya, Adibah Yuridistya Primadhita