Journal of Management Small and Medium Enterprises (SME's) (Jul 2024)

DETERMINAN FINANCIAL BEHAVIOUR DENGAN DIMODERASI GENDER PADA GEN Z

  • Nurullaili Mauliddah,
  • Tyasha Ayu Melynda Sari,
  • Sherly Budi Pradina,
  • Irmanafia Putra Yushartono

DOI
https://doi.org/10.35508/jom.v17i2.14462
Journal volume & issue
Vol. 17, no. 2

Abstract

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Gen Z has more expressive characteristics and tends to be tolerant and multitasking. According to the Research Institute in 2019, the allocation of savings from income was only 10.17% for both men and women in Generation Z. This research aims to analyze the moderating influence of gender in predicting financial behavior, which is influenced by self-efficacy, financial literacy, and locus of control in Gen Z by using path analysis with moderation assisted by SmartPLS software. This research shows that self-efficacy, financial literacy, and locus of control significantly affect economic behavior. However, gender cannot moderate the influence of these variables on FEB UM Surabaya students. Keywords: Financial Behaviour; Self Efficacy; Financial Literacy; Gender

Keywords