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All Journal JIEM : Journal Of International Entrepreneurship And Management
Muhammad Fajar Salemaku
Universitas Karya Persada Muna
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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SATU DIMENSI, DUA WAJAH: MEMETAKAN ORIENTASI KEUANGAN GENERASI Z DI SULAWESI TENGGARA ANTARA PERBANDINGAN SOSIAL DAN KEHATI-HATIAN FINANSIAL Wa Ode Sartika; Samsul Bachri Soamole; Sitti Hadijah; Harpiang Wardingsih; Muhammad Suriyadarman Rianse; Muhammad Fajar Salemaku
JIEM : Journal Of International Entrepreneurship And Management Vol 5 No 01 (2026): JIEM : Journal Of International Entrepreneurship And Management
Publisher : Pusat Studi Ekonomi Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jiem.v5i01.2535

Abstract

This study aims to examine whether social comparison orientation, financial prudence, and financial management behavior form distinct constructs or merge into a single dimension among Generation Z in Southeast Sulawesi. The research method involved a questionnaire survey distributed to Gen Z respondents, analyzed through confirmatory factor analysis, the Fornell -Larcker criterion, the heterotrait-monotrait  ratio, and Harman’s single-factor test. The results indicate that discriminant validity failed across all construct pairs due to overlapping item contents. Consequently, the three constructs merged into a single bipolar continuum of financial orientation, ranging from social comparison to prudence. Furthermore, this financial orientation behavior is cross-segmental, showing no significant differences across demographic backgrounds. These findings highlight the critical importance of discriminant validity testing in financial behavior research & underscore the need for comprehensive financial education interventions to mitigate social comparison pressures.
Co-Authors Harpiang wardingsih Muhammad Suriyadarman Rianse Samsul Bachri Soamole Sitti Hadijah Wa Ode Sartika