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All Journal SEGMEN Jurnal Manajemen dan Bisnis Jurnal Akuntansi Bisnis Global Review of Islamic Economics and Business Jurnal Sinar Manajemen Journal of Economic, Bussines and Accounting (COSTING) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Jurnal Abdimas Mahakam Value: Jurnal Manajemen dan Akuntansi Al-Kharaj: Journal of Islamic Economic and Business EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Community Development Journal: Jurnal Pengabdian Masyarakat El-Qist : Journal of Islamic Economics and Business (JIEB) Journal La Bisecoman Manajemen dan Bisnis Sultra Journal of Economic and Business Eduvest - Journal of Universal Studies Journal of Economics and Management Scienties Volatilitas : Jurnal Manajemen Dan Bisnis El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Community Empowerment Journal of Ekonomics, Finance, and Management Studies
Agus Saur Utomo
Universitas Muhammadiyah Purworejo
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Other

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Journal : Journal La Bisecoman

 1 
The Influence of Financial Behavior and Financial Experience on Financial Literacy among Generation Z: JEL Classification: D14, G53, I21, A20 Khasanah, Uswatun; Puspitasari, Intan; Utomo, Agus Saur
Journal La Bisecoman Vol. 6 No. 2 (2025): Journal La Bisecoman
Publisher : Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journallabisecoman.v6i2.2137

Abstract

Financial literacy plays a crucial role in supporting sustainable development and is a fundamental need for individuals in managing their finances. Although Generation Z (Gen Z) is considered tech-savvy, this skill does not always correlate with a high level of financial literacy. The main challenge faced by Gen Z is the increasing temptation of consumerism, driven by various digital facilities such as e-commerce apps and electronic payment services, which make spending easier without proper planning. Despite their relatively high financial literacy, consumer behavior influenced by digital technology remains an obstacle. This study aims to analyze the impact of financial behavior and financial experience on the level of financial literacy among Gen Z, who play a significant role in the digital economy. This research is a quantitative study with a survey approach. The purposive sampling technique was used to select the research sample, with a sample size of 160 respondents calculated using the Hair formula. Data collection was conducted by distributing questionnaires to Gen Z respondents (born between 1995-2012) who are pursuing higher education (diploma or bachelor’s degree) at colleges or universities and reside in Purworejo Regency. The data analysis technique used is quantitative analysis with multiple linear regression analysis method using smartPLS 3.3.9 software. The research findings show that financial behavior and financial experience have a positive and significant partial impact on financial literacy among Generation Z in Purworejo. Therefore, it is important to enhance Generation Z's understanding and involvement in daily financial activities to strengthen their financial literacy.
Co-Authors Adawiyyah Fatin Ade Sabda Gumelar Ade Aldri Frinaldi Anasyifa Rachelita Anasyifa Rachelita Anita Rinawati Budi, Rakhmad Pambudi D. Y. Rahmasuciana Danes Quirira Octavio Devangga, Yuda Dwi Eri Yuni Hastuti Dwi Irawati DWI YULIANTI Esti Margiyanti Utami Fahmawati, Nurul Fauzan, Hilman Ahmad Febriyanti, Ekanitami Hardin Hardin, Hardin Hery Widijanto Intan Puspitasari Intan Puspitasari Intan Puspitasari Irawati, Dwi Jundana, Makhzumi Karimah, Indah Faizatul Khoiroh, Ihda Umul Khoirul Rohman Listika Rahmawati Muhammad Rofi'i Mustikasari, Wahyu Putri Nadira Sukma Anjani Nayla Fahiya Rahmawati Nita Agustin Novita Kusuma Maharani Nurfitasari, Khaufi Prasaja, Mahendra Galih Prisnadela, Prisnadela Puji Arista Putri, Chisa Amanda Rahmawati, Nayla Fahiya Rakhmad Pambudi Budi Retno Siti Azizah Siti Nur Hajanah Susi Widjajani Susi Widjajani Susi Widjajani Syahbal, Habibi Fadhil Tri Yuliani