FINANCIAL LITERACY, FINANCIAL SELF-EFFICACY, AND FINANCIAL WELL-BEING AMONG GENERATION Z: EVIDENCE FROM BATAM, INDONESIA
DOI:
https://doi.org/10.30871/jama.v10i1.12935Kata Kunci:
Financial Literacy, Financial Well-Being, Financial Self-Efficacy, Generation Z, PLS-SEM.Abstrak
Di kawasan industri yang sedang berkembang, kaum muda seperti Generasi Z membutuhkan lebih dari sekadar pengetahuan keuangan dasar untuk menghadapi kompleksitas lanskap ekonomi modern, masalah keuangan, dan kebebasan finansial. Penelitian ini menganalisis peran mediasi efikasi diri finansial dalam hubungan antara literasi keuangan dan kesejahteraan finansial Generasi Z di Kota Batam,Indonesia, salah satu pusat ekonomi utama di Indonesia. Data primer penelitian ini dikumpulkan menggunakan metode desain survei kuantitatif melalui pengambilan sampel purposif terhadap 350 responden Generasi Z. Partial Least Squares Structural Equation Modeling (PLS-SEM) digunakan untuk menganalisis korelasi struktural antar variabel. Hasil penelitian menunjukkan bahwa literasi keuangan secara langsung dan signifikan memengaruhi efikasi diri finansial serta kesejahteraan finansial. Selain itu, efikasi diri finansial secara signifikan memengaruhi kesejahteraan finansial sekaligus berperan sebagai mediator parsial terhadap pengaruh literasi keuangan terhadap kesejahteraan finansial. Penelitian ini menegaskan kembali pentingnya literasi keuangan; namun, dampaknya akan maksimal jika disertai dengan kepercayaan diri dalam mengelola keuangan. Penelitian ini menambah khazanah literatur mengenai kesejahteraan finansial Generasi Z dan memiliki implikasi praktis untuk meningkatkan literasi keuangan serta mendorong efikasi diri guna mencapai kondisi keuangan yang berkelanjutan.
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Hak Cipta (c) 2026 Eddo Nanda Oktarici, Alyssia Rahmadhani Dirmana Putri
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