Journal of Management Studies and Development
Vol. 4 No. 02 (2025): Journal of Management Studies and Development

Financial Literacy, Financial Planning, Financial Management: An Analysis of Intergenerational Behavior in Gen-X, Gen-Y and Gen-Z

Christian, Adhitya Rechandy (Unknown)
Sukardi (Unknown)
Bidayati, Utik (Unknown)

Article Info

Publish Date
12 Jun 2025

Abstract

This study investigates intergenerational differences in financial literacy, financial planning, and financial management among residents of Yogyakarta. The research sample comprised individuals from Gen-X, Gen-Y, and Gen-Z, with 60 respondents representing each generational cohort. A simple random sampling technique was employed, and the Kruskal-Wallis test was utilized to analyze the data. The findings reveal no statistically significant differences in financial literacy and financial planning across the three generations. However, significant generational differences were identified in financial management practices. Notably, Gen-Z demonstrated superior financial management behavior compared to both Gen-X and Gen-Y.

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Journal Info
Journal of Management Studies and Development
Website

Abbrev

JMSD

Publisher

Indonesian Institute of Science and Technology Research

Subject

Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

Description

Journal of Management Studies and Development is an open-access, multidisciplinary journal in management research. JMSD publishes original empirical and conceptual studies that promote management and organizational research. It embraces a diverse variety of methodologies and philosophical ...