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All Journal Golden Ratio of Finance Management Golden Ratio of Auditing Research
A. Asriany
Universitas Muhammadiyah Palopo
Economics, Econometrics & Finance Social Sciences

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The Influence of Financial Literacy, Lifestyle and Fintech Usage on The Consumer Behavior of Generation Z in Bajo Subdistrict A. Asmita; A. Asriany; H. Hapid
Golden Ratio of Finance Management Vol. 6 No. 2 (2026): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v6i2.2116

Abstract

This study aims to analyze the influence of financial literacy, lifestyle, and fintech usage on consumer behavior among Generation Z in Bajo District. This study employed a quantitative approach involving 96 Generation Z respondents selected through purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS. The findings indicate that financial literacy has a positive and significant effect on consumer behavior among Generation Z. Individuals with higher levels of financial literacy are better able to manage their finances and regulate their spending behavior. Lifestyle also has a positive and significant effect on consumer behavior, indicating that a more consumer-oriented lifestyle increases the tendency to engage in consumption activities. Meanwhile, fintech usage does not have a significant effect on consumer behavior, as most respondents use fintech primarily for general transaction purposes.
The Influence of Financial Education and Lifestyle on Personal Financial Management Among Students S. Sriyanti; A. Asriany; Abid Ramadhan
Golden Ratio of Auditing Research Vol. 6 No. 1 (2026): July - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grar.v6i1.1403

Abstract

This study aims to analyze the influence of financial education and lifestyle on personal financial management among university students. Unlike previous studies, this research focuses on students of the Sharia Economics Department at the State Islamic Institute of Palopo, Indonesia, examining both variables simultaneously to address inconsistencies in earlier findings. The study employs a quantitative approach, collecting data through the use of questionnaires. The results indicate that financial education has a positive and significant effect on personal financial management, where students with better financial knowledge tend to manage their finances more effectively. Additionally, a well-planned lifestyle also has a positive effect, with students who maintain one demonstrating better financial management. Regression analysis reveals that combining financial education with lifestyle significantly enhances personal financial management. These findings contribute new evidence to the literature by providing empirical results within the context of higher education in Sharia economics and offer practical recommendations for educational institutions to develop comprehensive financial literacy programs and encourage healthy lifestyle habits among students.
Co-Authors A. Asmita Abid Ramadhan H. Hapid S. Sriyanti