Keputusan Finansial Generasi Z Ditinjau Dari Literasi Keuangan, Inklusi Keuangan, Dan Financial Technology
DOI:
https://doi.org/10.59580/iesbir.v3i3.8869Abstract
Abstract
The low financial literacy and inclusion index in Indonesia indicates that society is not yet capable of managing finances and making sound financial decisions. This study aims to analyze the influence of financial literacy, financial inclusion, and financial technology on the financial decisions of Generation Z at IAIN Kudus. This research uses a quantitative method with primary data obtained through questionnaires, involving 100 active undergraduate students as the sample. The results show that financial literacy has a positive and significant impact on financial decisions, financial inclusion has a positive but insignificant impact, and financial technology has a negative but insignificant impact. The implications of this study emphasize the importance of financial education programs to enhance Generation Z's knowledge in making better financial decisions.
Keywords: Financial Literacy; Financial Inclusion; Financial Technology; and Financial Decisions
Abstrak
Indeks literasi dan inklusi keuangan yang rendah di Indonesia menunjukkan bahwa masyarakat belum mampu mengelola keuangan dengan baik. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, inklusi keuangan, dan financial technology terhadap keputusan finansial Generasi Z di IAIN Kudus. Penelitian ini menggunakan metode kuantitatif dengan data primer melalui kuesioner, melibatkan 100 mahasiswa aktif S1 sebagai sampel. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap keputusan finansial, inklusi keuangan berpengaruh positif namun tidak signifikan, dan financial technology berpengaruh negatif namun tidak signifikan. Implikasi penelitian ini adalah pentingnya program edukasi keuangan untuk meningkatkan pengetahuan Generasi Z dalam membuat keputusan finansial yang lebih baik.
Kata kunci: Literasi Keuangan; Inklusi Keuangan; Financial Technology; dan Keputusan Finansial
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Lutfiana Maulida, Haniam Maria, Putri Meilia, Galih Kirani Febiyanti, Ananta Varadilla
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors can enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) before and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
This work is licensed under a Creative Commons Attribution 4.0 International License.
