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All Journal JMAEKA: Jurnal Manajemen Ekonomi Akuntansi
Meta, Magali Ilana
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Humanities Economics, Econometrics & Finance

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Pengaruh Aplikasi Catatan Keuangan, Motivasi Menabung, Dan Pengetahuan Dasar Akuntansi Terhadap Disiplin Keuangan Gen Z Depok Meta, Magali Ilana; Aidella, Inaya; Safitri, Restu Novi; Akbar, Athiyyah Mutiara; Yanti, Safina Indi; Rudianto, Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 3 (2026): Juni 2026 - Agustus 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i3.484

Abstract

Abstracts – Gen Z members between the ages of 18 and 25 who have used personal financial applications were given an online survey to complete in order to gather quantitative data. This study looked at how basic accounting knowledge, financial tracking applications, and encouragement to save affected Gen Z's financial discipline in Depok. Multiple linear regression analysis was applied to determine the partial and simultaneous effects of the independent variables on financial discipline. The findings indicate that the use of financial tracking applications assists users in understanding their spending patterns and managing budgets in a more systematic manner. Saving motivation was also found to have a positive and significant effect, suggesting that both intrinsic and extrinsic motivations play an important role in shaping consistent financial behavior. Moreover, basic accounting knowledge supports more rational financial decision-making through proper recording, evaluation, and monitoring of financial activities. Overall, the results demonstrate that financial tracking applications, saving motivation, and basic accounting knowledge simultaneously have a significant impact on improving the financial discipline of Generation Z in Depok City. These findings highlight the importance of digital literacy, financial education, and behavioral motivation in encouraging responsible financial management among young people.
Co-Authors Aidella, Inaya Akbar, Athiyyah Mutiara Rudianto Rudianto Safitri, Restu Novi Yanti, Safina Indi