Pengaruh Perilaku Keuangan dan Financial Management terhadap Financial Sustainability pada Generasi Z dan Millenial di Kabupaten Bungo

Authors

  • Syah Amin Albadry Institut Administrasi dan Kesehatan Setih Setio Muara Bungo ,
  • Widya Pratiwi Institut Administrasi dan Kesehatan Setih Setio Muara Bungo ,
  • Sasmita Rusnaini Institut Administrasi dan Kesehatan Setih Setio Muara Bungo ,
  • Nanik Istianingsih Institut Administrasi dan Kesehatan Setih Setio Muara Bungo ,
  • Nana Timorida Gonjales Institut Administrasi dan Kesehatan Setih Setio Muara Bungo ,
  • Siti Alfiyah Institut Administrasi dan Kesehatan Setih Setio Muara Bungo ,

DOI:

https://doi.org/10.35870/emt.v9i1.3398

Keywords:

Financial Literacy, Financial Management, Financial Sustainability

Abstract

Financial literacy is closely linked to financial management, with increased financial literacy contributing to better personal financial management skills. Personal financial management involves the application of financial principles in individual financial management. Effective financial management, including planning and overseeing financial activities, is crucial for achieving financial stability and economic sustainability. Previous studies indicate that many individuals, particularly Generation Z and Millennials, neglect financial planning and long-term well-being. Without proper financial management, they often face financial difficulties, such as income loss and insufficient emergency funds, which can negatively impact their quality of life. This study involved 100 respondents selected using purposive sampling, with Structural Equation Modeling (SEM) employed to analyze the relationships between the inner and outer models.

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Author Biographies

  • Syah Amin Albadry, Institut Administrasi dan Kesehatan Setih Setio Muara Bungo,

    Institut Administrasi dan Kesehatan Setih Setio Muara Bungo, Kabupaten Bungo, Provinsi Jambi, Indonesia.

  • Widya Pratiwi, Institut Administrasi dan Kesehatan Setih Setio Muara Bungo,

    Institut Administrasi dan Kesehatan Setih Setio Muara Bungo, Kabupaten Bungo, Provinsi Jambi, Indonesia.

  • Sasmita Rusnaini, Institut Administrasi dan Kesehatan Setih Setio Muara Bungo,

    Institut Administrasi dan Kesehatan Setih Setio Muara Bungo, Kabupaten Bungo, Provinsi Jambi, Indonesia.

  • Nanik Istianingsih, Institut Administrasi dan Kesehatan Setih Setio Muara Bungo,

    Institut Administrasi dan Kesehatan Setih Setio Muara Bungo, Kabupaten Bungo, Provinsi Jambi, Indonesia.

  • Nana Timorida Gonjales, Institut Administrasi dan Kesehatan Setih Setio Muara Bungo,

    Institut Administrasi dan Kesehatan Setih Setio Muara Bungo, Kabupaten Bungo, Provinsi Jambi, Indonesia.

  • Siti Alfiyah, Institut Administrasi dan Kesehatan Setih Setio Muara Bungo,

    Institut Administrasi dan Kesehatan Setih Setio Muara Bungo, Kabupaten Bungo, Provinsi Jambi, Indonesia.

References

Adiandari, A. M., & Okvitawanli, A. (2023). The Relevance of Financial Literacy to Indonesian Millennials' Behavior, Awareness, and Financial Independence. Majalah Ilmiah Bijak, 20(1), 97-107.

Alva, A. G. H., & Rita, M. R. (2022). Stock Investment Behavior of the Millennial Generation: The Moderating Role of Financial Literacy. BASKARA: Journal of Business and Entrepreneurship, 4(2), 40-57.

Cahyasari, D., & Pahala, I. (2023). Systematic literature review: analisis perilaku pengelolaan keuangan pada generasi z di Indonesia. Jurnal British, 3, 01-09.

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Published

2025-01-01

Issue

Vol. 9 No. 1 (2025): JANUARY 2025

Section

Articles

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How to Cite

Albadry, S. A., Pratiwi, W., Rusnaini, S., Istianingsih, N., Gonjales, N. T., & Alfiyah, S. (2025). Pengaruh Perilaku Keuangan dan Financial Management terhadap Financial Sustainability pada Generasi Z dan Millenial di Kabupaten Bungo. Jurnal EMT KITA, 9(1), 46-54. https://doi.org/10.35870/emt.v9i1.3398

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