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All Journal EQUILIBIRIA Measurement : Jurnal Akuntansi Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Journal of Economics and Management Scienties Jurnal Pendidikan Siber Nusantara Jurnal Manajemen dan Pemasaran Digital Global Digital
Hanafi Siregar
Universitas Riau Kepulauan
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Library & Information Science Social Sciences Other

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GENERATION Z FINANCIAL MANAGEMENT FROM A BEHAVIORAL FINANCE PERSPECTIVE: THE ROLE OF FINTECH, CONSUMPTIVE BEHAVIOR, FINANCIAL ATTITUDE, AND FINANCIAL PLANNING Suhandi; Sri Mulyati; Hanafi Siregar
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 5 (2026): APRIL
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20123560

Abstract

This study aims to analyze the effect of financial technology (fintech) usage, consumptive behavior, financial attitude, and financial planning on the personal financial management of Generation Z in Tiban Baru Village, Batam City. A quantitative approach with a descriptive design was employed. Data were collected through a survey of 373 Generation Z respondents who actively use fintech, using a questionnaire instrument. Multiple linear regression analysis was conducted with the assistance of IBM SPSS Statistics 25. The findings reveal that, simultaneously, fintech usage, consumptive behavior, financial attitude, and financial planning have a significant effect on personal financial management, as indicated by an F-count value of 108.008, which exceeds the F-table value of 2.40 at a significance level of 0.000 < 0.05. Partially, fintech usage and financial planning have a positive and significant effect on personal financial management, while consumptive behavior exerts a negative and significant effect. Financial attitude, however, does not have a significant effect on personal financial management, as evidenced by a significance value of 0.089 > 0.05.These findings suggest that optimizing fintech usage and maintaining sound financial planning can enhance the quality of financial management among Generation Z, while consumptive behavior needs to be kept in check. This study carries important implications for the development of behavior-based financial literacy and financial education programs targeting Generation Z.
Co-Authors Ahmad Agus Sumarno Ahmad Yasin Andika Pratama Annisa Rara Salvira ariyati, Yannik Asmaul Husna Catur Fatchu Ukhriyawati Cen Sui Lan Dahrul Aman Harahap Ramses Debi Marianti Deby Maryanti Denny Ammari Ramadhan Denny Ammary Ramadhan Dhenny Asmarazisa Fany Puspita Sari Tampubolon Finka Nurul Harisah Frans Hasibuan Habibuddin Nasution Habibuddin Nasution Habibuddin Nasution Habibuddin Nasution Hary Rangga Hendry Jaya Hesti Desba Yesa Intan Juniarti Intan Juniarti Irfan Syahputra Jayana Salesti Jayana Salesti Jefri Damuri Hutauruk Jefri Saputra Latip Adlin Magneta Hisyam Maimuna Maimuna Marisa Nainggolan Marta Lova Diana Maryadin Maryadin Mia Wulandari Milawati Milawati Milawati Milawati Mira Yona Mira Yona Mira Yona Mohd Asmadi Bin Mohd Angsor Mohd Khairul Naser Bin Ibrahim Muhammad Azali Bin Muhammadon Muhammad Farhan Nasution Muhammad Hidayat Muhammad Thamrin Nadya Febriani Mokerze Novita Selfrida Simangunsong Nur Aina Binti Azizan Nur Athirah Binti Mohd Borkhan Nur Aziz Nur Ellysiana Nur Elyssiana Nuur Faris Akram Putri Wahyuni Rahmat Riyandi Ramon Zamora Rasyid Ridho Harahap RAVIKA PERMATA HATI Ravika Permata Hati Rimayang Anggun L. P. Ramli Rini Ridianto Rita Indriani Rizki Eka Putra Rona Tanjung Rona Tanjung Sagita Wenda Serli Wahyuni Siti Khairani Sri Mulyati Sri Oktaviani Nababan Suhandi Sulaiman Sulaiman Sulastri Sulastri Sulastri Sulastri Suryani Suryani Suryo Hartanto Talitha Alifia Qanitah Tibrani Tibrani Tibrani Tibrani Tionom Nainggolan Tri Utama Umi Kartini Binti Rashid Vita Setiati Wesmi Huriyaty Yatasya Ananda Shophia Zulkifli