Journal of Economics and Social Sciences
Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)

The Effect of Financial Literacy, Financial Experience, and Lifestyle on The Personal Financial Management Ability of Generation Z Students at The Faculty of Economics, University of Muhammadiyah Sukabumi

Nasywa, Salwa Aftar (Unknown)
Kartini, Tina (Unknown)
Nurodin, Idang (Unknown)

Article Info

Publish Date
17 Jul 2025

Abstract

This study aims to analyze the influence of financial literacy, financial experience, and lifestyle on the personal financial management of Generation Z students at the Faculty of Economics, Muhammadiyah University of Sukabumi. The research employed a quantitative approach using a survey of 100 respondents. Regression results indicate that financial literacy and financial experience have a positive and significant effect on financial management, while lifestyle shows a negative and significant influence. Simultaneously, all three variables significantly contribute to students’ ability to manage their finances. These findings highlight the importance of sufficient financial literacy and experience, along with lifestyle control, in shaping healthy financial behavior among Generation Z.

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Journal Info
Journal of Economics and Social Sciences
Website

Abbrev

jess

Publisher

CV. Civiliza Publishing

Subject

Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences

Description

ournal of Economics and Social Sciences (JESS) is a peer-reviewed journal published twice a year (every June and December) by CV. Civiliza Publishing. Journal of Economics and Social Sciences (JESS) accepts original scientific papers that have never been published. The discussion in this journal ...