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All Journal Journal of Economic Education and Entrepreneurship Studies
Nurjannah Nurjannah
Universitas Negeri Makassar, Indonesia
Economics, Econometrics & Finance Other

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Financial Intelligence as a Moderator of the Relationship Between Financial Literacy and Financial Decision Making among Generation Z Adinda Sakinah; Nurjannah Nurjannah; Hikmayani Subur
Journal of Economic Education and Entrepreneurship Studies Vol. 7 No. 3 (2026)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v7i3.334

Abstract

The growing use of digital financial services has made financial decision-making increasingly complex for young people, especially Generation Z. Although this generation is familiar with financial technology, easy access to digital financial products does not always lead to careful, rational, and responsible financial choices. This study examines the influence of financial literacy on financial decision-making and investigates whether financial intelligence strengthens this relationship. A quantitative explanatory design was applied in this research. The respondents consisted of 100 Generation Z students from the Faculty of Economics and Business, Universitas Negeri Makassar, selected through purposive sampling. Data were obtained using a structured questionnaire and analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM) through SmartPLS 4.0. The findings reveal that financial literacy positively and significantly influences financial decision-making. Financial intelligence also shows a positive and significant effect, with a stronger contribution to students’ financial decision-making. In addition, financial intelligence significantly moderates the relationship between financial literacy and financial decision-making. These results suggest that financial knowledge needs to be supported by the ability to apply such knowledge in real financial situations. Therefore, Generation Z students require not only financial literacy, but also financial intelligence to control impulses, assess risks, and make responsible financial decisions in the digital financial environment.
When Entrepreneurial Interest is Not Enough: Digital Technology Utilization as a Mediator between Entrepreneurship Learning, Entrepreneurial Interest, and Student Business Innovation Nur Rizkiyah Dwi Ramadhani; Tuti Supatminingsih; Nurjannah Nurjannah
Journal of Economic Education and Entrepreneurship Studies Vol. 7 No. 3 (2026)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v7i3.338

Abstract

Global digital economic transformation requires young entrepreneurs to develop innovative capabilities supported by digital technology utilization. This study aims to analyze the effect of entrepreneurship learning and entrepreneurial interest on student business innovation through digital technology utilization as a mediating variable. This study employed a quantitative approach with an explanatory survey design. The sample consisted of 361 student entrepreneurs from the Faculty of Economics and Business, Universitas Negeri Makassar, selected using purposive sampling. Data were collected using a four-point Likert-scale questionnaire and analyzed through Partial Least Squares–Structural Equation Modeling (PLS-SEM) using SmartPLS 4.0. The findings show that entrepreneurship learning and entrepreneurial interest significantly influence business innovation. Digital technology utilization also mediates these relationships. These findings indicate that student business innovation is not sufficiently driven by knowledge and interest alone, but also requires digital capability as a bridge toward innovative business action.
Co-Authors Adinda Sakinah Hikmayani Subur Nur Rizkiyah Dwi Ramadhani Tuti Supatminingsih