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DIJB (Diponegoro International Journal of Business)
Published by Universitas Diponegoro
ISSN : 25804987     EISSN : 25804995     DOI : -
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Diponegoro International Journal of Business (DIJB) is a biannually peer-reviewed journal issued by Department of Management, Faculty of Economics and Business, Universitas Diponegoro. DIJB aims to be the media for publishing empirical issues related to business studies. DIJB invites manuscripts in the various topics, but not limited to, functional areas of management, including marketing management, finance management, operation management, human resource management, innovation management, knowledge management, organizational behavior, organizational development, and change management.
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Articles 111 Documents
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The influence of companions and financial influencers on gen z's financial planning: Mediating role of financial literacy Elfarosa, Ketut Vini; Saputra, Upayana Wiguna Eka
Diponegoro International Journal of Business Vol 8, No 2 (2025)
Publisher : Department of Management | Faculty of Economics and Business | Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/dijb.8.2.2025.156-170

Abstract

This study investigates the influence of companions and financial influencers on financial planning among Generation Z in Indonesia, with financial literacy serving as a mediating factor, grounded in Social Learning Theory (SLT). Utilizing a quantitative research design and Structural Equation Modeling with Partial Least Squares (PLS-SEM), the research surveyed 170 Indonesian Gen Z individuals, selected via purposive sampling, who actively engaged with financial content on social media platforms. The findings reveal that companion influence significantly enhances financial literacy and financial planning, affirming the role of close social contacts as effective behavioral models. In contrast, financial influencers do not demonstrate a significant direct or indirect effect on financial literacy or financial planning, suggesting that exposure to digital content alone does not ensure effective financial management. Financial literacy is identified as a crucial mediator in the relationship between companion influence and financial planning, while no similar mediation effect is observed for financial influencers. These results underscore the importance of leveraging trusted social networks to improve financial literacy and highlight the need for critical evaluation of influencer content in shaping financial behaviors among young individuals. The study theoretically contributes by validating SLT in financial socialization and practically suggests prioritizing peer-based learning over passive digital content consumption in financial education programs.

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