Pengaruh Literasi Keuangan, Gaya Hidup, dan Pendapatan Terhadap Pengelolaan Keuangan Pribadi Karyawan Gen Z Kota Makassar
Keywords:
Financial Literacy, Lifestyle, Income, Personal Management, Gen ZAbstract
This study aims to analyze the influence of financial literacy, lifestyle, and income on personal financial management of Generation Z employees in Makassar City. The approach used in this study is quantitative with primary data obtained by distributing questionnaires to 96 respondents. Data analysis was carried out using descriptive statistical methods and Structural Equation Modeling-Partial Least Squares (SEM-PLS) using the SmartPLS 4 application. The results showed that financial literacy and lifestyle did not have a significant effect on personal financial management, as indicated by the t values of 1.669 and 0.915 (<1.96), respectively. In contrast, income has a significant effect on personal financial management with a t value of 5.572 (>1.96). This finding indicates that income level plays a greater role in financial management than financial literacy or lifestyle. Therefore, a strategy is needed to increase awareness of financial literacy and better lifestyle management for Generation Z to improve their financial independence.References
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