MODEL KAUSALITAS FINANCIAL WELL-BEING: SOCIAL INFLUENCE, FINANCIAL LITERACY, DAN FINANCIAL MANAGEMENT BEHAVIOR PADA GENERASI Z PENGGUNA PEMBAYARAN DIGITAL DI JABODETABEK

SALMA RAHMADANI, . (2026) MODEL KAUSALITAS FINANCIAL WELL-BEING: SOCIAL INFLUENCE, FINANCIAL LITERACY, DAN FINANCIAL MANAGEMENT BEHAVIOR PADA GENERASI Z PENGGUNA PEMBAYARAN DIGITAL DI JABODETABEK. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Social Influence, Financial Literacy, dan Financial Management Behavior terhadap Financial Well-Being pada Generasi Z pengguna pembayaran digital di Jabodetabek. Penelitian menggunakan pendekatan kuantitatif dengan unit analisis individu, yaitu Generasi Z yang menggunakan layanan pembayaran digital. Data diperoleh melalui penyebaran kuesioner kepada responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan dengan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) menggunakan aplikasi SmartPLS. Hasil penelitian menunjukkan bahwa Financial Literacy berpengaruh positif dan signifikan terhadap Financial Management Behavior. Selain itu, Social Influence juga berpengaruh positif dan signifikan terhadap Financial Management Behavior. Selanjutnya, Financial Management Behavior terbukti berpengaruh positif dan signifikan terhadap Financial Well-Being. Namun, Social Influence tidak berpengaruh signifikan terhadap Financial Literacy. Hasil pengujian mediasi menunjukkan bahwa Financial Management Behavior mampu memediasi pengaruh Social Influence dan Financial Literacy terhadap Financial Well-Being. Temuan penelitian mengindikasikan bahwa kesejahteraan keuangan individu tidak hanya dipengaruhi oleh tingkat literasi keuangan dan lingkungan sosial, tetapi juga oleh kemampuan individu dalam mengelola keuangannya. Oleh karena itu, Generasi Z perlu meningkatkan literasi keuangan serta menerapkan perilaku pengelolaan keuangan yang baik untuk mencapai kesejahteraan keuangan yang lebih optimal. Selain itu, lembaga pendidikan dan penyedia layanan keuangan digital diharapkan dapat memperkuat edukasi keuangan guna mendorong terbentuknya perilaku keuangan yang lebih bijaksana. ***** This study aims to analyze the influence of Social Influence, Financial Literacy, and Financial Management Behavior on the Financial Well-Being of Generation Z digital payment users in the Greater Jakarta area (Jabodetabek). The study employed a quantitative approach with individual-level analysis, focusing on Generation Z individuals who use digital payment services. Data were collected through questionnaires distributed to respondents selected using a purposive sampling technique. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS software. The results indicate that Financial Literacy has a positive and significant effect on Financial Management Behavior. In addition, Social Influence also has a positive and significant effect on Financial Management Behavior. Furthermore, Financial Management Behavior is proven to have a positive and significant effect on Financial Well-Being. However, Social Influence does not have a significant effect on Financial Literacy. The mediation test results reveal that Financial Management Behavior mediates the effects of Social Influence and Financial Literacy on Financial Well-Being. The findings suggest that individuals' financial well-being is influenced not only by their level of financial literacy and social environment but also by their ability to manage their finances effectively. Therefore, Generation Z should enhance their financial literacy and adopt sound financial management behaviors to achieve greater financial well-being. Moreover, educational institutions and digital financial service providers are expected to strengthen financial education initiatives to encourage more prudent financial behavior.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Prof. Umi Widyastuti, S.E., M.E; 2). Puji Yuniarti, S.E., M.M.
Subjects:	Manajemen > Manajemen , Business Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Manajemen
Depositing User:	Salma Rahmadani .
Date Deposited:	15 Jun 2026 01:56
Last Modified:	15 Jun 2026 01:56
URI:	http://repository.unj.ac.id/id/eprint/66292

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