The Influence of Parenting, Financial Inclusion, and Financial Literacy on Financial Management of Gen-Z

Nur, Aisyah and Junaidi, Junaidi and Goso, Goso (2026) The Influence of Parenting, Financial Inclusion, and Financial Literacy on Financial Management of Gen-Z. Golden Ratio Journal, 6 (1). pp. 158-171. ISSN 2776-6780

	Image (Sampul Artikel) WhatsApp Image 2026-07-15 at 14.08.25.jpeg - Cover Image Download (188kB)
	Text (Artikel) CE_AISYAH+NUR_2092 (1).pdf - Published Version Download (316kB)
	Text (Lembar Turnitin) turnitin slsai.pdf - Supplemental Material Download (554kB)
	Other (Link Artikel/Riset/Jurnal) 2092 - Additional Metadata Download (88kB)

Abstract

ABSTRACT This study aims to analyze the influence of parenting, financial inclusion, and financial literacy on the financial management of Generation Z students. Specifically, this study tests the hypothesis that parenting, financial inclusion, and financial literacy have a positive effect on financial management, and that financial literacy acts as a mediator. This study used a quantitative approach, involving 123 university students as respondents selected using a stratified random sampling technique. Data analysis was conducted using the covariance based Structural Equation Modeling (SEM) method using AMOS 22 with SPSS 22. The results show that parenting and financial inclusion have a positive and significant effect on financial literacy. However, parenting and financial inclusion do not have a significant effect on financial management. Conversely, financial literacy has been shown to have a positive and significant effect on financial management and significantly mediates the effect of parenting and financial inclusion on financial management. These findings emphasize the central role of financial literacy in improving students' financial management skills. Therefore, strengthening financial literacy through synergy between families and educational institutions is an important strategy in shaping more adaptive financial behaviors in Generation Z.

Item Type:	Article
Contributors:	Contribution Contributors ID/NIDN/NIDK Teacher Junaidi, Junaidi NIDN0910067705 Teacher Goso, Goso NIDN0912067603
Uncontrolled Keywords:	Keywords: Parenting, Financial Inclusion, Financial Literacy, Financial Management.
Subjects:	H Social Sciences > HG Finance H Social Sciences > HJ Public Finance L Education > L Education (General)
Divisions:	Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User:	Aisyah Nur
Date Deposited:	21 Jul 2026 07:43
Last Modified:	21 Jul 2026 07:43
URI:	http://repository.umpalopo.ac.id/id/eprint/6594

Actions (login required)

View Item