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All Journal SEGMEN Jurnal Manajemen dan Bisnis
Frisna, Anindia
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Economics, Econometrics & Finance

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FINANCIAL KNOWLEDGE, ATTITUDES, AND CULTURE AS DETERMINANTS OF FINANCIAL LITERACY: THE MEDIATING ROLE OF FINANCIAL BEHAVIOR AMONG GENERATION Z Frisna, Anindia; Tubastuvi, Naelati; Bagis, Fatmah; Innayah, Maulida Nurul
SEGMEN: Jurnal Manajemen dan Bisnis Vol 22, No 1 (2026): SEGMEN Jurnal Manajemen dan Bisnis
Publisher : FE Program Studi Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/sjmb.v22i1.9246

Abstract

This study aims to analyze the influence of financial knowledge, financial attitude, and financial culture on financial literacy, with financial behavior as a mediating variable among Generation Z in Banyumas Regency. The research addresses the problem of how financial behavior strengthens the role of individual financial factors in improving financial literacy among young generations.This study employs a quantitative approach using purposive sampling with 245 respondents aged 13–28 years. Data were collected through a Likert-scale questionnaire (1–5) and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results show that financial knowledge, financial attitude, and financial culture have a positive and significant effect on financial behavior. Financial knowledge and financial culture also have a direct positive and significant effect on financial literacy, while financial attitude does not show a significant direct effect. Furthermore, financial behavior positively and significantly mediates the relationship between financial knowledge, financial attitude, and financial culture on financial literacy
Co-Authors Bagis, Fatmah Maulida Nurul Innayah Naelati Tubastuvi