Generation Z faces various financial challenges, including impulsive consumption, difficulties in controlling expenditures, and uncertainty regarding future financial conditions. Saving behavior is therefore an important aspect of financial management that may be influenced by both financial and psychological factors. This study aims to examine the effect of financial attitude, financial anxiety, self-control, and future orientation on saving behavior among Generation Z in Wonosobo Regency. This study employed a quantitative research approach using primary data collected through questionnaires from 100 Generation Z respondents aged 15–29 years in Wonosobo Regency. The data were analyzed using multiple linear regression analysis. The results indicate that financial attitude, financial anxiety, self-control, and future orientation each have a positive and significant effect on saving behavior. Among the four variables, future orientation has the strongest relative contribution to saving behavior. Furthermore, the coefficient of determination indicates that the four independent variables collectively explain 80.2% of the variation in saving behavior. These findings suggest that improving saving behavior among Generation Z requires not only positive financial attitudes but also stronger self-control, constructive management of financial anxiety, and clear future-oriented financial planning. Financial education programs should therefore integrate financial and psychological aspects to encourage sustainable saving behavior.
Financial management is an essential skill for Generation Z (Gen Z) in addressing economic challenges in the digital era. This study examines the effects of self-control, financial behavior, and financial attitudes on the financial management practices of Gen Z, while also investigating whether social media serves as a...
J. Sabini, Bernard T. Widjaja· Ekspektra Jurnal Bisnis dan...· 0 citations
This study explores how financial socialization (FS), attitude toward risk (ATR), access to financial services (AFS), and behavioral control (BC) affect responsible financial consumption (RFC), with mediating effects of financial literacy (FL) and financial attitude (FA). Among the variables, FS represents the soci...
Md. Sagar Islam Khan, Anindita Rai, Ankon Paul et al.· Asia-Pacific Journal of Busi...· 0 citations
Purpose: This study examines the effects of financial literacy, lifestyle, and self-control on saving behavior among Generation Z in Pontianak City, with financial attitude as a mediating variable.
Research Method: Using a quantitative associative design, the study analyzed questionnaire data from 150 Generation Z resp...
The expansion of digital technology and easy access to shopping have increased the vulnerability of adolescents to consumerist behavior, highlighting the importance of strengthening internal factors in financial decision-making. The purpose of this study is to analyze the influene exterted by financial attitude, and se...
Muhammad Nabil Firmansyah, Aniek Hindrayani· JURNAL PENDIDIKAN GLASSER· 0 citations
This study aims to analyze the influence of Financial Technology, Financial Literacy, Financial Attitude, and Lifestyle on the Financial Behavior of Generation Z in DKI Jakarta. The rapid expansion of digital financial services, combined with the still-limited financial literacy of Generation Z, raises concerns about c...
Nailah Aura Safitri, Nurhidayati· Siber Nusantara of Economic...· 0 citations
Financial well-being reflects an individual's ability to manage personal finances, meet current financial needs, and maintain financial security for the future. However, many university students still experience financial problems, including limited saving habits, excessive consumer spending, and concerns about their f...