E-WALLET, FINANCIAL LITERACY, AND CONSUMPTIVE LIFESTYLE EFFECTS ON GENERATION Z FINANCIAL MANAGEMENT IN GRESIK

Dwi Adisa Irma; Anita Handayani

doi:10.29303/distribusi.v14i1.692

Penulis

Dwi Adisa Irma Muhammadiyah University of Gresik
Anita Handayani Muhammadiyah University of Gresik

DOI:

https://doi.org/10.29303/distribusi.v14i1.692

Kata Kunci:

bahasa inggris

Abstrak

Generation Z's spending habits, level of financial literacy, and use of electronic wallets are all factors that this research looks at in Gresik Regency, East Java. In this study, 180 members of Generation Z who regularly use electronic wallets participated in a survey that used a quantitative methodology. An online survey with Likert scale questions served as the main data source. After doing instrument testing (validity and reliability) and classical assumption tests (including normality, multicollinearity, and heteroscedasticity), the data were analyzed using multiple linear regression with SPSS. The findings show that Generation Z's spending habits, level of financial knowledge, and use of electronic wallets all have a major impact on their money management. The regression equation is Y = -0.107 + 0.313X1 + 0.397X2 + 0.172X3, with an Adjusted R2 value of 0.867, indicating that 86.7% of the variation in financial management is explained by the three variables. These findings highlight the importance of improving financial literacy, encouraging responsible use of e-wallets, and controlling consumptive lifestyles to support better financial management among Generation Z.

Unduhan

Data unduhan belum tersedia.

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