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All Journal Balance : Jurnal Akuntansi dan Manajemen
Alya Rahayu
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Self-Reward and Peer Support on Personal Financial Management of Generation Z with Financial Literacy as an Intervening Variable Alya Rahayu; Jurana, Jurana; Andi Mattulada; Rahma Masdar
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 2 (2025): Agustus 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i2.869

Abstract

Personal financial management is an important skill that individuals must have, especially Generation Z students who are faced with financial and social challenges. This study aims to analyze the effect of self-reward and peers on personal financial management with financial literacy as an intervening variable. The population in this study were students of the Accounting Study Program at Tadulako University with a sample of 89 respondents determined using proportional stratified random sampling technique. Data collection was carried out through questionnaires and analyzed using the SEM-PLS method with the SmartPLS 4.0 application. The results showed that self-reward and peers have a significant effect on financial literacy and personal financial management. Self-reward and peers affect personal financial management through financial literacy as an intervening variable (partial mediation).
Co-Authors Andi Mattulada Nurdin, Jurana Rahma Masdar