Pengaruh Financial Literacy, Self Control, and Financial Technology Utilization terhadap Financial Behavior Generasi Z

Authors

  • Ikhsan Permana Akbar Program Studi Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas Trisakti, Indonesia
  • Regina Jansen Arsjah Program Studi Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas Trisakti, Indonesia

DOI:

https://doi.org/10.38035/jim.v5i1.1810

Keywords:

Financial Literacy, Self control, Financial Technology Utilization, Financial Behavior, Generation Z

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh financial literacy, self control, dan financial technology utilization terhadap financial behavior mahasiswa Generasi Z. Penelitian menggunakan pendekatan kuantitatif dengan desain eksplanatori. Data primer dikumpulkan melalui kuesioner yang disebarkan kepada 226 mahasiswa Generasi Z di wilayah Jakarta yang telah menggunakan layanan keuangan digital. Teknik pengambilan sampel menggunakan purposive sampling, sedangkan analisis data dilakukan dengan regresi linear berganda menggunakan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa financial literacy, self control, dan financial technology utilization berpengaruh positif dan signifikan terhadap finansial behavior, baik secara parsial maupun simultan. Nilai Adjusted R Square sebesar 0,569 mengindikasikan bahwa ketiga variabel independen mampu menjelaskan 56,9% variasi perilaku keuangan mahasiswa. Temuan ini menegaskan bahwa perilaku keuangan mahasiswa Generasi Z tidak hanya dipengaruhi oleh tingkat pengetahuan keuangan, tetapi juga oleh kemampuan pengendalian diri serta pemanfaatan teknologi keuangan secara efektif. Penelitian ini memberikan kontribusi teoretis melalui integrasi Theory of Planned Behavior dan UTAUT2, serta implikasi praktis bagi perguruan tinggi, regulator, dan penyedia layanan financial technology dalam mendorong perilaku keuangan yang lebih bertanggung jawab di era digital.

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Published

2026-04-30

How to Cite

Akbar, I. P., & Arsjah, R. J. (2026). Pengaruh Financial Literacy, Self Control, and Financial Technology Utilization terhadap Financial Behavior Generasi Z. Jurnal Ilmu Multidisiplin, 5(1), 517–528. https://doi.org/10.38035/jim.v5i1.1810

Issue

Vol. 5 No. 1 (2026): Jurnal Ilmu Multidisplin (April - Mei 2026)

Section

Articles

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Copyright (c) 2026 Ikhsan Permana Akbar, Regina Jansen Arsjah

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