Financial literacy and financial technology on the personal finance behavior of generation z
Keywords:
Financial Literacy, Financial Technology, Lifestyle, Personal Finance BehaviorAbstract
The Indonesian economy is experiencing significant expansion, driven by technological advancements, with financial literacy being crucial to enhancing understanding and financial education among Generation Z in West Kalimantan. The present research aims to examine the influence of financial literacy on the personal financial behavior of Generation Z, both directly and via lifestyle as a mediating variable, while also analyzing the direct impact of financial technology on their personal finances. This study employed a qualitative research technique utilizing a causal associative method, involving a sample of 247 respondents from Generation Z in West Kalimantan. Data were gathered via surveys and analyzed via structural equation modelling (SEM) with SmartPLS 4.0 software. Research findings indicate that financial literacy has a positive and significant influence on the personal finance behavior of Generation Z, with lifestyle serving as an effective mediator. The results underscore the significant of financial literacy and lifestyle in influencing improved financial behavior among Generation Z, with implications for developing more effective financial education programs.
References
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Dewi, C. V. M. N. , & Darma, S. G. (2021). Menakar Literasi Keuangan dan Pendapatan Terhadap Perilaku Manajemen Keuangan Bagi Dokter Gigi Dengan Gaya Hidup Sebagai Mediasi. Jurnal Manajemen Bisnis, 18. https://doi.org/https://doi.org/10.38043/jmb.v18i4.3280
Farida, Avrilia Lantana, D., & Digdowiseiso, K. (2023). The Growth of Fintech on Student Loan Products in Indonesia: A Literature Study. In Management, Business and Social Science (IJEMBIS) Peer-Reviewed-International Journal (Vol. 3, Issue 2). https://cvodis.com/ijembis/index.php/ijembishttps://cvodis.com/ijembis/index.php/ijembis/article/view/238
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Humaidi, A., Khoirudin, M., Adinda, A. R., & Kautsar, A. (2020). The Effect of Financial Technology, Demography, and Financial Literacy on Financial Management Behavior of Productive Age in Surabaya, Indonesia. International Journal of Advances in Scientific Research and Engineering, 06(01), 77–81. https://doi.org/10.31695/ijasre.2020.33604
Kartawinata, R., Wijayangka, C., Akbar, A., & Susanto Hendiarto, R. (2021). The Influence of Lifestyle and Financial Behavior on Personal Financial Management for The Millennia Generation (Study on College Students in Bandung City, Indonesia). https://doi.org/https://doi.org/10.46254/SA02.20210833
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Madini, R., Irfani Hendri, M., Malini, H., & Yakin, I. (2023). The effect of financial literacy and love of money on the financial management behavior of generation z. In IJAFIBS (Vol. 11, Issue 3). www.ijafibs.pelnus.ac.id
Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Jurnal Akuntansi Dan Keuangan, 8(1). http://ejournal.bsi.ac.id/ejurnal/index.php/moneter56
Mashud, M., Mediaty, M., & Pontoh, G. T. (2021). The Effect of Financial Literature, Lifestyle and Income of Parents on Student Financial Management Behavior. Journal of International Conference Proceedings, 4(3). https://doi.org/10.32535/jicp.v4i3.1315
Maulidina Hidayat, C., & Muntahanah, S. (2024). The investment decision on generation Z in Capital Market. Journal of Management Science (JMAS), 7(1), 8–14. https://doi.org/https://doi.org/10.35335/jmas.v7i1.436
Nurhaliza, S., Daud, I., Malini, H., & Irfani Hendri, M. (2024). Financial literacy on a person’s attitude towards debt and the influence of friends on debt habits in Indonesia-Siti Nurhaliza et.al Financial literacy on a person’s attitude towards debt and the influence of friends on debt habits in Indonesia. Jurnal Ekonomi, 13. https://doi.org/10.54209/ekonomi.v13i01
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Putra Utama, D., & Sumarna, A. D. (2024). Financial Technology Literacy Impact on Gen-Z in Indonesia. Dinasti International Journal of Economics, Finance, and Accounting (DIJEFA), 4(6). https://doi.org/10.38035/dijefa.v4i6
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Ritakumalasari, N. (2021). Literasi Keuangan, Gaya Hidup, Locus of Control, dan Parental Income terhadap Perilaku Keuangan Mahasiswa. Jurnal Ilmu Manajemen, 9(4). https://doi.org/https://doi.org/10.26740/jim.v9n4.p1440-1450
Sampoerno, A. E., & Asandimitra, N. (2021). Pengaruh Financial Literacy, Income, Hedonism Lifestyle, Self-Control, dan Risk Tolerance terhadap Financial Management Behavior pada Generasi Milenial Kota Surabaya. In Jurnal Ilmu Manajemen (Vol. 9). https://doi.org/https://doi.org/10.26740/jim.v9n3.p1002-1014
Sari. (2021). Pengaruh Financial Literacy, Locus of Control, Life Style, dan Gender terhadap Financial Management Behavior Mahasiswa Universitas Negeri Surabaya. Jurusan Manajemen Fakultas Ekonomika Dan Bisnis Universitas Negeri Surabaya, 9(2). https://doi.org/https://doi.org/10.26740/jim.v9n2.p670-680
Sari, R., Andriani, S., Reno, P., & Sari, K. (2020). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Keuangan Aparatur Sipil Negara (ASN) Wanita Di Sumbawa Besar. https://doi.org/https://doi.org/10.37673/jebi.v5i02.852
Setiya Nurul Arifa, J., & Setiyani, R. (2020). Pengaruh Pendidikan Keuangan di Keluarga, Pendapatan, dan Literasi Keuangan terhadap Financial Management Behavior Melalui Financial Self-Efficacy Sebagai Variabel Mediasi. Economic Education Analysis Journal, 9(2). https://doi.org/10.15294/eeaj.v9i2.39431
Statistika Indonesia. (2020). Hasil sensus penduduk Indonesia di masa pendemic. Statistika Indonesia. https://www.bps.go.id/id/pressrelease/2021/01/21/1854/hasil-sensus-penduduk--sp2020--pada-september-2020-mencatat-jumlah-penduduk-sebesar-270-20-juta-jiwa-.html
Syaliha, A., Sutieman, E., Ridwan Pasolo, M., & Pattiasina, V. (2022). The Effect of Financial Literacy, Life Style, Financial Attitude and Locus of Control to Financial Management Behavior. In Maret 2022 Public Policy (Vol. 3, Issue 1). https://lampung.tribunnews.com.
Tribuana, Lita. (2020). Pengaruh Literasi Keuangan, Pengendalian Diri dan Konformitas Hedonis Terhadap Perilaku Konsumtif Mahasiswa. https://ojs.stiesa.ac.id/index.php/prisma
’Ulumudiniati, M., & Asandimitra, N. (2022). Pengaruh Financial Literacy, Financial Self-Efficacy, Locus of Control, Parental Income, dan Love of Money terhadap Financial Management Behavior: Lifestyle sebagai Mediasi. In Jurnal Ilmu Manajemen (Vol. 10). https://doi.org/https://doi.org/10.26740/jim.v10n1.p51-67
Vinka Khoerunnisa Alifa Putri. (2023). Pengaruh Financial Literacy dan Lifestyle Terhadap Personal Finance. Jurnal Riset Manajemen Dan Bisnis, 1–8. https://doi.org/10.29313/jrmb.v3i1.1776
Wiranti, Y., Goso, G., & Halim, M. (2023). The Influence of Financial Literacy, Lifestyle, and Social Environment on Financial Brehavior. In SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management and Business (Vol. 6, Issue 4). https://doi.org/https://doi.org/10.37481/sjr.v6i4.751
Yusuf et al. (2023). Pengaruh Literasi Keuangan, Gaya Hidup Dan Pendidikan Keuangan Dalam Keluarga Terhadap Pengelolaan Keuangan Pribadi Mahasiswa Pendidikan Ekonomi UNS. Journal on Education, 05. https://jonedu.org/index.php/joe/article/view/2291
Amelia Putri Andiani, D., & Maria, R. (2023). Pengaruh Financial Technology dan Literasi Keuangan Terhadap Perilaku Keuangan Pada Generasi Z. https://doi.org/https://doi.org/10.33197/jabe.vol9.iss2.2023.1226
Andella, R., & Wahyu Purnomo, M. (2023). The effect of financial literacy, financial attitudes and income on financial management behavior at PT Beton Perkasa Wijaksana. Journal of Management Science (JMAS), 6(4), 591–595. https://doi.org/https://doi.org/10.35335/jmas.v6i4.320
Asandimitra, N., & Kautsar, A. (2019). The influence of financial information, financial self efficacy, and emotional intelligence to financial management behavior of female lecturer. Humanities and Social Sciences Reviews, 7(6), 1112–1124. https://doi.org/10.18510/hssr.2019.76160
Azizah, S. N. (2020). Pengaruh Literasi Keuangan, Gaya Hidup, Pada Perilaku Keuangan Pada Generasi Milenial. Prisma (Platform Riset Mahasiswa Akuntansi), 01(02).
Badan Pusat Statistika Indonesia. (2022). SP - Survei Nasional Literasi dan Inklusi Keuangan Tahun 2022. https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. 7(2), 107–128.
Dewi, C. V. M. N. , & Darma, S. G. (2021). Menakar Literasi Keuangan dan Pendapatan Terhadap Perilaku Manajemen Keuangan Bagi Dokter Gigi Dengan Gaya Hidup Sebagai Mediasi. Jurnal Manajemen Bisnis, 18. https://doi.org/https://doi.org/10.38043/jmb.v18i4.3280
Farida, Avrilia Lantana, D., & Digdowiseiso, K. (2023). The Growth of Fintech on Student Loan Products in Indonesia: A Literature Study. In Management, Business and Social Science (IJEMBIS) Peer-Reviewed-International Journal (Vol. 3, Issue 2). https://cvodis.com/ijembis/index.php/ijembishttps://cvodis.com/ijembis/index.php/ijembis/article/view/238
Farida, M. N., Soesatyo, Y., & Aji, T. S. (2021). Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior. International Journal of Education and Literacy Studies, 9(1), 86. https://doi.org/10.7575/aiac.ijels.v.9n.1p.86
Felantika, E. (2022). Pengaruh Financial Knowledge, Financial Literacy, Parental Income, dan Locus of Control terhadap Financial Management Behaviour pada Mahasiswa di Pondok Pesantren. In Jurnal Ilmu Manajemen (Vol. 10). https://doi.org/https://doi.org/10.26740/jim.v10n2.p489-501
Ferdiansyah & Triwahyuningtyas. (2021). Analisis Layanan Financial Technology dan Gaya Hidup Terhadap Perilaku Keuangan Mahasiswa. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen TERAKREDITASI SINTA, 4(1), 223–235. http:jim.unsyiah.ac.id/ekm
Fifani Anggraini, C., Fahruna, Y., & Permata Gusti, G. (2024). Does financial literacy, educational level, age, and financial planning affect msmes’ financial behaviour in pontianak? Jurnal Ekonomi, 13. https://doi.org/10.54209/ekonomi.v13i01
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. In European Business Review (Vol. 31, Issue 1, pp. 2–24). Emerald Group Publishing Ltd. https://doi.org/10.1108/EBR-11-2018-0203
Hariyani, R. (2022). Urgensi Literasi Keuangan Terhadap Pengelolaan Keuangan Pribadi Mahasiswa di Masa Pandemi COVID-19 di Indonesia. Widya Cipta: Jurnal Sekretari Dan Manajemen, 6(1). https://doi.org/https://doi.org/10.31294/widyacipta.v6i1.12234
Hariyani, R., & Prasetio, T. (2023). Persepsi Mahasiswa Mengenai Manajemen Keuangan Pribadi Dalam Menghadapi Ancaman Resesi Ekonomi Di Indonesia. Jurnal Ekonomi & Manajemen Universitas Bina Sarana Informatika, 21. https://doi.org/10.31294/jp.v21i1
Humaidi, A., Khoirudin, M., Adinda, A. R., & Kautsar, A. (2020). The Effect of Financial Technology, Demography, and Financial Literacy on Financial Management Behavior of Productive Age in Surabaya, Indonesia. International Journal of Advances in Scientific Research and Engineering, 06(01), 77–81. https://doi.org/10.31695/ijasre.2020.33604
Kartawinata, R., Wijayangka, C., Akbar, A., & Susanto Hendiarto, R. (2021). The Influence of Lifestyle and Financial Behavior on Personal Financial Management for The Millennia Generation (Study on College Students in Bandung City, Indonesia). https://doi.org/https://doi.org/10.46254/SA02.20210833
Komang, N., Mahesvari, L., & Atmadja, A. T. (2024). Analisis Penggunaan E-Money OVO pada Kalangan Gen Z: Studi Kasus pada Gen Z Program Studi S1 Akuntansi Universitas Pendidikan Ganesha. Jurnal Ilmiah Akuntansi Dan Humanika, 14(2), 236–244. https://doi.org/https://doi.org/10.23887/jiah.v14i2.79714
Kotler & Keller. (2018). Kotler 2018 Prinsip Manajemen Pemasaran.
Kristiyanti, P. (2024). Pengaruh Literasi Keuangan, Sosialisasi Orang Tua, dan Teman Sebaya Terhadap Perilaku Menabung Mahasiswa Ekonomi dan Bisnis Universitas Negeri di Surabaya. Jurnal Ilmiah Wahana Pendidikan, 2024(6), 732–742. https://doi.org/10.5281/zenodo.10652664
Listiyani, E., Aziz, A., & Wahyudi. (2021). Analisis Perilaku Keuangan Generasi Milenial di PT. Toyota Motor Manufacturing Indonesia 1 (Vol. 2).
Madini, R., Irfani Hendri, M., Malini, H., & Yakin, I. (2023). The effect of financial literacy and love of money on the financial management behavior of generation z. In IJAFIBS (Vol. 11, Issue 3). www.ijafibs.pelnus.ac.id
Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Jurnal Akuntansi Dan Keuangan, 8(1). http://ejournal.bsi.ac.id/ejurnal/index.php/moneter56
Mashud, M., Mediaty, M., & Pontoh, G. T. (2021). The Effect of Financial Literature, Lifestyle and Income of Parents on Student Financial Management Behavior. Journal of International Conference Proceedings, 4(3). https://doi.org/10.32535/jicp.v4i3.1315
Maulidina Hidayat, C., & Muntahanah, S. (2024). The investment decision on generation Z in Capital Market. Journal of Management Science (JMAS), 7(1), 8–14. https://doi.org/https://doi.org/10.35335/jmas.v7i1.436
Nurhaliza, S., Daud, I., Malini, H., & Irfani Hendri, M. (2024). Financial literacy on a person’s attitude towards debt and the influence of friends on debt habits in Indonesia-Siti Nurhaliza et.al Financial literacy on a person’s attitude towards debt and the influence of friends on debt habits in Indonesia. Jurnal Ekonomi, 13. https://doi.org/10.54209/ekonomi.v13i01
Pulungan, D. R., & Febriaty, H. (2018). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa. In Jurnal Riset Sains Manajemen (Vol. 2, Issue 3). https://doi.org/http://doi.org/10.5281/zenodo.1410873
Putra Utama, D., & Sumarna, A. D. (2024). Financial Technology Literacy Impact on Gen-Z in Indonesia. Dinasti International Journal of Economics, Finance, and Accounting (DIJEFA), 4(6). https://doi.org/10.38035/dijefa.v4i6
Putu, L., Dewi, S., & Suarmanayasa, I. N. (2022). Pengaruh Literasi Keuangan dan Pendapatan Serta Kontrol Diri Terhadap Pengelolaan Keuangan Pribadi Mahasiswa Program Studi Manajemen STIE Satya Dharma Singaraja. https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/46088
Rifqi Putra Prasetyo, M., & Puji Lestari, U. (2022). Pengaruh Literasi Keuangan, Love of Money dan Minat Investasi di Pasar Modal Terhadap Manajemen Keuangan Pribadi (Studi Kasus Mahasiswa Jurusan Akuntansi Politeknik Negeri Jakarta). https://prosiding-old.pnj.ac.id/index.php/snampnj/article/view/5556
Ritakumalasari, N. (2021). Literasi Keuangan, Gaya Hidup, Locus of Control, dan Parental Income terhadap Perilaku Keuangan Mahasiswa. Jurnal Ilmu Manajemen, 9(4). https://doi.org/https://doi.org/10.26740/jim.v9n4.p1440-1450
Sampoerno, A. E., & Asandimitra, N. (2021). Pengaruh Financial Literacy, Income, Hedonism Lifestyle, Self-Control, dan Risk Tolerance terhadap Financial Management Behavior pada Generasi Milenial Kota Surabaya. In Jurnal Ilmu Manajemen (Vol. 9). https://doi.org/https://doi.org/10.26740/jim.v9n3.p1002-1014
Sari. (2021). Pengaruh Financial Literacy, Locus of Control, Life Style, dan Gender terhadap Financial Management Behavior Mahasiswa Universitas Negeri Surabaya. Jurusan Manajemen Fakultas Ekonomika Dan Bisnis Universitas Negeri Surabaya, 9(2). https://doi.org/https://doi.org/10.26740/jim.v9n2.p670-680
Sari, R., Andriani, S., Reno, P., & Sari, K. (2020). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Keuangan Aparatur Sipil Negara (ASN) Wanita Di Sumbawa Besar. https://doi.org/https://doi.org/10.37673/jebi.v5i02.852
Setiya Nurul Arifa, J., & Setiyani, R. (2020). Pengaruh Pendidikan Keuangan di Keluarga, Pendapatan, dan Literasi Keuangan terhadap Financial Management Behavior Melalui Financial Self-Efficacy Sebagai Variabel Mediasi. Economic Education Analysis Journal, 9(2). https://doi.org/10.15294/eeaj.v9i2.39431
Statistika Indonesia. (2020). Hasil sensus penduduk Indonesia di masa pendemic. Statistika Indonesia. https://www.bps.go.id/id/pressrelease/2021/01/21/1854/hasil-sensus-penduduk--sp2020--pada-september-2020-mencatat-jumlah-penduduk-sebesar-270-20-juta-jiwa-.html
Syaliha, A., Sutieman, E., Ridwan Pasolo, M., & Pattiasina, V. (2022). The Effect of Financial Literacy, Life Style, Financial Attitude and Locus of Control to Financial Management Behavior. In Maret 2022 Public Policy (Vol. 3, Issue 1). https://lampung.tribunnews.com.
Tribuana, Lita. (2020). Pengaruh Literasi Keuangan, Pengendalian Diri dan Konformitas Hedonis Terhadap Perilaku Konsumtif Mahasiswa. https://ojs.stiesa.ac.id/index.php/prisma
’Ulumudiniati, M., & Asandimitra, N. (2022). Pengaruh Financial Literacy, Financial Self-Efficacy, Locus of Control, Parental Income, dan Love of Money terhadap Financial Management Behavior: Lifestyle sebagai Mediasi. In Jurnal Ilmu Manajemen (Vol. 10). https://doi.org/https://doi.org/10.26740/jim.v10n1.p51-67
Vinka Khoerunnisa Alifa Putri. (2023). Pengaruh Financial Literacy dan Lifestyle Terhadap Personal Finance. Jurnal Riset Manajemen Dan Bisnis, 1–8. https://doi.org/10.29313/jrmb.v3i1.1776
Wiranti, Y., Goso, G., & Halim, M. (2023). The Influence of Financial Literacy, Lifestyle, and Social Environment on Financial Brehavior. In SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management and Business (Vol. 6, Issue 4). https://doi.org/https://doi.org/10.37481/sjr.v6i4.751
Yusuf et al. (2023). Pengaruh Literasi Keuangan, Gaya Hidup Dan Pendidikan Keuangan Dalam Keluarga Terhadap Pengelolaan Keuangan Pribadi Mahasiswa Pendidikan Ekonomi UNS. Journal on Education, 05. https://jonedu.org/index.php/joe/article/view/2291
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2025-01-09
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Perawati, P., Juniwati, J., Malini, H. ., Azazi, A. ., & Mustika, U. N. . (2025). Financial literacy and financial technology on the personal finance behavior of generation z . Journal of Management Science (JMAS), 8(1), 179–188. Retrieved from https://exsys.iocspublisher.org/index.php/JMAS/article/view/589
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