Determinant of Financial Literacy in Generation Z

  • Ferby Mutia Edwy Fakultas Ekonomi, Universitas Negeri Malang, Indonesia
  • Inanda Shinta Anugrahani Fakultas Ekonomi, Universitas Negeri Malang, Indonesia
  • Yongky Teguh Setiaji Fakultas Ekonomi, Universitas Negeri Malang, Indonesia
  • Ali Faiq Pradana Fakultas Ekonomi, Universitas Negeri Malang, Indonesia
Keywords: Financial Literacy, Financial Attitude, Financial Behavior

Abstract

The purpose of this study is to determine the effect of financial behavior and financial attitude on financial literacy in generation Z. This study is a quantitative research. Data were obtained from questionnaire that containing a list of statements given to respondents. Then the respondent chooses one alternative answer that fits respondent’s opinion. Secondary data were obtained through various literatures, written information sources and other books. Data analysis used multiple linear regression. The results showed that: 1) the financial attitude had a significant effect on financial literacy, and 2) there was no significant influence between the financial behavior and financial literacy.

References

Ameliawati, M., & Setiyani, R. (2018). The Influence of Financial Attitude, Financial Socialization, and Financial Experience to Financial Management Behavior with Financial Literacy as the Mediation Variable. KnE Social Sciences. https://doi.org/10.18502/kss.v3i10.3174
Anastasia, S. M., & Kewal, S. S. (2013). Tingkat Literasi Keuangan Di Kalangan Mahasiswa Stie Musi (Financial Literacy Level among Students Stie Musi). Jurnal Economia.
Andansari, P. I. (2018). Pengaruh Financial Attitude Dan Lingkungan Sosial Terhadap Literasi Keuangan Mahasiswa. Ecodunamika : Jurnal Pendidikan Ekonomi.
Arofah, A. A., Purwaningsih, Y., & Indriayu, M. (2018). Financial Literacy, Materialism and Financial Behavior. International Journal of Multicultural and Multireligious Understanding. https://doi.org/10.18415/ijmmu.v5i4.171
Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy: Results of the Oecd Infe Pilot Study. OECD Working Papers on Finance, Insurance and Private Pensions.
Baskoro, R. A., Aulia, R., & Rahmah, N. A. (2019). The Effect of Financial Literacy and Financial Inclusion on Retirement Planning. Asia Pacific Management and Business Application. https://doi.org/10.21776/ub.apmba.2019.008.01.2
Gerth, F., Lopez, K., Reddy, K., Ramiah, V., Wallace, D., Muschert, G., Frino, A., & Jooste, L. (2021). The Behavioural Aspects of Financial Literacy. Journal of Risk and Financial Management. https://doi.org/10.3390/jrfm14090395
Ghozali, I. (2013). Aplikasi Analisis Multivariate Dengan Program IBM dan SPSS 21 (Edisi Tujuh). In Semarang: Universitas Diponegoro.
Krishna, A. S. S., Sari, M., & Rofaida, R. (2010). Analisis Tingkat Literasi Keuangan Di Kalangan Mahasiswa Dan Faktor-Faktor Yang Mempengaruhinya: Survey Pada Mahasiswa Universitas Pendidikan Indonesia. In Proceedings of The 4th International Conference on Teacher Education.
Margaretha, F., & Pambudhi, R. A. (2015). Tingkat Literasi Keuangan Pada Mahasiswa S-1 Fakultas EkonomI. Jurnal Manajemen Dan Kewirausahaan (Journal of Management and Entrepreneurship). https://doi.org/10.9744/jmk.17.1.76-85
Mukmin, M., Gunawan, A., Arif, M., & ... (2021). Pengujian Konstruk Literasi Keuangan Mahasiswa (Studi Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Swasta di Kota Medan). Jurnal Ilmiah Manajemen ….
Rahman, M., Isa, C. R., Masud, M. M., Sarker, M., & Chowdhury, N. T. (2021). The Role Of Financial Behaviour, Financial Literacy, And Financial Stress In Explaining The Financial Well-Being Of B40 Group In Malaysia. Future Business Journal. https://doi.org/10.1186/s43093-021-00099-0
Rai, K., Dua, S., & Yadav, M. (2019). Association of Financial Attitude, Financial Behaviour and Financial Knowledge Towards Financial Literacy: A Structural Equation Modeling Approach. FIIB Business Review. https://doi.org/10.1177/2319714519826651
Remund, D. L. (2010). Financial literacy explicated: The Case For A Clearer Definition In An Increasingly Complex Economy. Journal of Consumer Affairs. https://doi.org/10.1111/j.1745-6606.2010.01169.x
Romadloniyah, A., & Setiaji, K. (2020). Pengaruh Status Sosial Ekonomi Orang Tua, Konformitas, Dan Literasi Keuangan Terhadap Perilaku Konsumtif Dalam Prespektif Gender. EEAJ. https://doi.org/10.15294/eeaj.v9i1.37224
Santoso, A., & Sari, E. P. (2021). The Role of Financial Literacy as One of the Influences of Financial Behavior. Jurnal Manajemen. https://doi.org/10.24912/jm.v25i3.758
Shalahuddinta, A., & Susanti. (2014). Pengaruh Pendidikan Keuangan di Keluarga, Pengalaman Bekerja, dan Pembelajaran di Perguruan Tinggi terhadap Literasi Keuangan. Jurnal Pendidikan Akuntansi.
Widyawati, I. (2012). Faktor-Faktor Yang Mempengaruhi Literasi Finansial Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Brawijaya. Assets: Jurnal Akuntansi Dan Pendidikan. https://doi.org/10.25273/jap.v1i1.527
Published
2022-01-03
How to Cite
Mutia Edwy, F., Shinta Anugrahani, I., Teguh Setiaji, Y., & Faiq Pradana, A. (2022). Determinant of Financial Literacy in Generation Z. International Journal of Social Science Research and Review, 5(1), 106-114. https://doi.org/10.47814/ijssrr.v5i1.173