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All Journal International Journal of Economics, Business and Innovation Research
Ervina Oktavia Rizki
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence Of Digital Financial Literacy And Locus Of Control On Financial Satisfaction Mediated By Financial Well-Being Among Generation Z In Jambi City Ervina Oktavia Rizki; Besse Wediawati; Andang Fazri
International Journal of Economics, Business and Innovation Research Vol. 4 No. 04 (2025): International Journal of Economics, Business and Innovation Research( IJEBIR)
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v4i04.2018

Abstract

This study aims to determine the effect of digital financial literacy and locus of control on financial satisfaction, mediated by financial well-being among Generation Z in Jambi City. The study adopts a quantitative approach using the Cochran formula for sampling. The sample in this study amounted to 96 respondents. Data were collected through questionnaires measured on a Likert scale. The data analysis method used was Partial Least Square (PLS), processed using SmartPLS 3.0 software. The results indicate that both digital financial literacy and locus of control have a significant effect on financial satisfaction. Digital financial literacy also has a significant positive effect on financial well-being. However, locus of control does not significantly affect financial well-being. Furthermore, financial well-being mediates the relationship between digital financial literacy and financial satisfaction, but it does not mediate the relationship between locus of control and financial satisfaction.
Co-Authors Andang Fazri