DETERMINAN FINANCIAL BEHAVIOUR DENGAN DIMODERASI GENDER PADA GEN Z
-
Nurullaili Mauliddah(1*)
Department of Management, Faculty of Economics and Business, Universitas Muhammadiyah Surabaya
-
Tyasha Ayu Melynda Sari(2)
Department of Accounting, Faculty of Economics and Business, Universitas Muhammadiyah Surabaya
-
Sherly Budi Pradina(3)
Department of Management, Faculty of Economics and Business, Universitas Muhammadiyah Surabaya
-
Irmanafia Putra Yushartono(4)
Department of Management, Faculty of Economics and Business, Universitas Muhammadiyah Surabaya
(*) Corresponding Author
Keywords:
Financial Behaviour, Self Efficacy, Financial Literacy, Gender
Abstract
Gen Z has more expressive characteristics and tends to be tolerant and multitasking. According to the Research Institute in 2019, the allocation of savings from income was only 10.17% for both men and women in Generation Z. This research aims to analyze the moderating influence of gender in predicting financial behavior, which is influenced by self-efficacy, financial literacy, and locus of control in Gen Z by using path analysis with moderation assisted by SmartPLS software. This research shows that self-efficacy, financial literacy, and locus of control significantly affect economic behavior. However, gender cannot moderate the influence of these variables on FEB UM Surabaya students.
Keywords: Financial Behaviour; Self Efficacy; Financial Literacy; Gender
Downloads
Download data is not yet available.
References
’Ulumudiniati, M., & Asandimitra, N. (2022). Pengaruh Financial Literacy, Financial Self-Efficacy, Locus Of Control, Parental Income, Love Of Money Terhadap Financial Management Behavior: Lifestyle Sebagai Mediasi. Jurnal Ilmu Manajemen, 10(1), 51–67. Https://Doi.Org/10.26740/Jim.V10n1.P51-67
Abbasi, K., Alam, A., Du, M. A., & Huynh, T. L. D. (2021). Fintech, SME Efficiency And National Culture: Evidence From OECD Countries. Technological Forecasting And Social Change, 163. Https://Doi.Org/10.1016/J.Techfore.2020.120454
Agustina, I. L., Fauziv, E., Anwar, A., Ogalo, H. S., & Ratnasari, I. (2019). The Role Of Financial Management In Bringing Efficiency In Supply Chain Management. International Journal Of Supply Chain Management, 8(3), 1–9. Https://Www.Scopus.Com/Inward/Record.Uri?Eid=2-S2.0-85068205540&Partnerid=40&Md5=E666b76ca93a91ac8a435dba2455c6fd
Ahmad, A., Butt, B. S., . M., & Iram, S. (2019). Drivers Influencing Financial Behavior Among Management Students In Narowal. International Journal Of Academic Research In Business And Social Sciences, 9(2), 656–666. Https://Doi.Org/10.6007/Ijarbss/V9-I2/5602
Ajzen, I. (1991). The Theory Of Planned Behavior. Organazional Behavior And Human Decision Processes, 33(1), 179–211. Https://Doi.Org/10.47985/Dcidj.475
Ameliawati, M., & Setiyani, R. (2018). The Influence Of Financial Attitude, Financial Socialization, And Financial Experience To Financial Management Behavior With Financial Literacy As The Mediation Variable. Kne Social Sciences, 3(10), 811. Https://Doi.Org/10.18502/Kss.V3i10.3174
Atmojo, J. T., Iswahyuni, S., Rejo, R., Setyorini, C., Puspitasary, K., Ernawati, H., Syujak, A. R., Nugroho, P., Putra, N. S., Nurrochim, N., Wahyudi, W., Setyawan, N., Susanti, R. F., Suwarto, S., Haidar, M., Wahyudi, W., Iswahyudi, A.,
Tofan, M., Bintoro, W. A., … Mubarok, A. S. (2020). Penggunaan Masker Dalam Pencegahan Dan Penanganan Covid-19: Rasionalitas, Efektivitas, Dan Isu Terkini. Avicenna : Journal Of Health Research.
Https://Doi.Org/10.36419/Avicenna.V3i2.420
Ayuningtyas, M. F., & Irawan, A. (2021). The Influence Of Financial Literacy On Bandung Generation Z Consumers Impulsive Buying Behavior With Self-Control As Mediating Variable. Advanced International Journal Of Business, Entrepreneurship And Smes, 3(9), 155–171. Https://Doi.Org/10.35631/Aijbes.39012
Badri, M. (2022). Pribumi Digital Moderat: Profil Kecakapan Komunikasi Digital Generasi Z. Jurnal Riset Komunikasi, 5(2), 291–303.
Https://Doi.Org/10.38194/Jurkom.V5i2.653
Bandura, A. (1978). Self-Efficacy: Toward A Unifying Theory Of Behavioral Change. Advances In Behaviour Research And Therapy, 1(4), 139–161.
Https://Doi.Org/10.1016/0146-6402(78)90002-4
Baptista, S. M. J. (2021). The Influence Of Financial Attitude, Financial Literacy, And Locus Of Control On Financial Management Behavior (Study Case Working-Age Of Semarang). International Journal Of Social Science And Business, 5(1), 93–98. Https://Doi.Org/10.23887/Ijssb.V5i1.31407
Baroroh, K., Wahjoedi, Wahyono, H., Utomo, S. H., & Lestari, F. (2021). Incorporating Village Tourism Into “Community Economy” Course: A Project-Based Learning Method In University. International Journal Of Instruction, 14(4), 567–584. Https://Doi.Org/10.29333/Iji.2021.14433a
Bird, C. L., Şener, A., & Coşkuner, S. (2014). Visualizing Financial Success: Planning Is Key. International Journal Of Consumer Studies, 38(6), 684–691.
Https://Doi.Org/10.1111/Ijcs.12141
Esteban-Salvador, L., & Gargallo-Castel, A. F. (2019). Female Executives In The Service Sector: The Case Of Small And Medium-Sized Enterprises In Spain. Sustainability (Switzerland), 11(20). Https://Doi.Org/10.3390/Su11205601
Falahati, L., & Sabri, M. F. (2015). An Exploratory Study Of Personal Financial Wellbeing Determinants: Examining The Moderating Effect Of Gender. Asian Social Science, 11(4), 33–42. Https://Doi.Org/10.5539/Ass.V11n4p33
Francis, T., & Hoefel, F. (2018). “True Gen”: Generation Z And Its Implications For Companies. Mckinsey & Company, 10.
Https://Www.Mckinsey.Com/~/Media/Mckinsey/Industries/Consumer Packaged Goods/Our Insights/True Gen Generation Z And Its Implications For Companies/Generation-Z-And-Its-Implication-For-Companies.Ashx
Fungky, T., Sari, T. P., & Sanjaya, V. F. (2021). Pengaruh Gaya Hidup Serta Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Z Pada Masa Pandemi (Studi Kasus Mahasiswa/I Manajemen Bisnis Syariah, Uin Raden Intan
Lampung Angkatan 2019). Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen Dan Kewirausahaan, 1(1), 82–98.
Haiyang, C., & Ronald, P.-V. (1998). An Analysis Of Personal Financial Literacy Among College Students. Financial Service Review, 7(2), 107–128.
Https://Doi.Org/10.1108/JCM-01-2018-2514
Humaira, I., & Sagoro, E. M. (2018). PENGARUH PEngetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku Umkm Sentra Kerajinan Batik Kabupaten Bantul. Nominal, Barometer Riset Akuntansi Dan Manajemen.
Https://Doi.Org/10.21831/Nominal.V7i1.19363
Jati, W. R. (2015). Bonus Demografi Sebagai Mesin Pertumbuhan Ekonomi: Jendela Peluang Atau Jendela Bencana Di Indonesia? Populasi, 23(1), 1. Https://Doi.Org/10.22146/Jp.8559
Khoirotun Nisa, F., & Asandimitra Haryono, N. (2022). Pengaruh Financial Knowledge, Financial Attitude, Financialself Efficacy, Income, Locus Of Control, Dan Lifestyle Terhadapfinancial Management Behavior Generasi Z. In Jurnal Ilmu Manajemen.
Kusnandar, D. L., & Kurniawan, D. (2018). Literasi Keuangan Dan Gaya Hidup Ibu Rumah Tangga Dalam Membentuk Perilaku Keuangan Keluarga Di Kota Tasikmalaya. Seminar Nasional Dan Call For Paper Sustainable Competitive Advantage (SCA) 8 Purwokerto, 1(8), 1–12.
Lailiyah, E. H., Dewi, A., Shidiq, Y., & Lestari, D. (2022). Prediksi Financial Behaviour Dengan Literasi Keuangan Sebagai Variabel Moderasi Pada Organisasi Keagamaan Muhammadiyah Di Indonesia. Journal Of Accounting Science, 6(1). Https://Doi.Org/10.21070/Jas.V6i1.1597
Laturette, K., Widianingsih, L. P., & Subandi, L. (2021). Literasi Keuangan Pada Generasi Z. Jurnal Pendidikan Akuntansi (JPAK). Https://Doi.Org/10.26740/Jpak.V9n1.P131-139
Mauliddah, N., Danurwindo, M. A., Ulum, B., Wibowo, O. I., & Pravitasari, G. N. (2023). Mediation Of Financial Literacy In Predicting Risk Tolerance On Muhammadiyah Organization Members In East Java.
Mawad, J. L., Athari, S. A., Khalife, D., & Mawad, N. (2022). Examining The Impact Of Financial Literacy, Financial Self-Control, And Demographic Determinants On Individual Financial Performance And Behavior: An Insight From The Lebanese Crisis Period. Sustainability (Switzerland), 14(22).
Https://Doi.Org/10.3390/Su142215129
Mehmood, M. S., Jian, Z., Waheed, A., Younas, A., & Khan, S. Z. (2019). Impact Of Entrepreneurial Leadership On Employee’s Innovative Behavior: Mediating Role Of Psychological Empowerment. 223–229.
Https://Doi.Org/10.1145/3312662.3312701
Nadira R. R., & Lasmanah. (2022). Pengaruh Locus Of Control Dan Experience Regret Terhadap Keputusan Investasi Mahasiswa Manajemen Angkatan 2018 Universitas Islam Bandung. Bandung Conference Series: Business And Management. Https://Doi.Org/10.29313/Bcsbm.V2i2.4749
Philippas, N. D., & Avdoulas, C. (2020). Financial Literacy And Financial Well-Being Among Generation-Z University Students: Evidence From Greece. European Journal Of Finance, 26(4–5), 360–381. Https://Doi.Org/10.1080/1351847X.2019.1701512
Pradiningtyas, T. E., & Lukiastuti, F. (2019). Pengaruh Pengetahuan Keuangan Dan Sikap Keuangan Terhadap Locus Of Control Dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide Dan Inspirasi. Https://Doi.Org/10.24252/Minds.V6i1.9274
Pramedi, A. D., & Haryono, N. A. (2021). Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income Dan Financial Self Efficacy Terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi Di Surabaya. Jurnal Ilmu Manajemen, 9(2), 572.
Https://Doi.Org/10.26740/Jim.V9n2.P572-586
Rachmawati, N., & Nuryana, I. (2020). Economic Education Analysis Journal. Economic Education Analysis Journal, 9(1), 166–181.
Https://Doi.Org/10.15294/Eeaj.V9i1.37246
Rahmatia, A., Rahmah, S., & Khairunnisa, A. (2021). Determinants Of Understanding Generation Z Financial Literacy In The Vocational School Students Of Kahayan Hilir. Jurnal Pendidikan Islam, 4(2), 315–327.
Http://Jurnal.Staiannawawi.Com/Index.Php/At-Tarbiyat/Article
Sampoerno. (2021). Jurusan Manajemen Fakultas Ekonomika Dan Bisnis Universitas Negeri Surabaya. Jurnal Ilmu Manajemen, 9, 1–13.
Sari, A. N., & Kautsar, A. (2020). Analisis Pengaruh Literasi Keuangan, Financial Technology, Dan Demografi Terhadap Inklusi Keuangan Pada Masyarakat Di Kota Surabaya. Jurnal Ilmu Manajemen, 8(4), 1233.
Https://Doi.Org/10.26740/Jim.V8n4.P1233-1246
Suwatno, S., Waspada, I. P., & Mulyani, H. (2020). Meningkatkan Perilaku Pengelolaan Keuangan Mahasiswa Melalui Financial Literacy Dan Financial Sel Efficacy. Jurnal Pendidikan Akuntansi & Keuangan, 8(1), 87–96.
Https://Doi.Org/10.17509/Jpak.V8i1.21938
Ulfatun, T., Udhma, Um. S., & Dewi, R. S. (2016). Analisis Tingkat Literasi Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Yogyakarta Tahun Angkatan 2012-2014. Pelita, XI(2), 1–13.
Yan, C., Phylaktis, K., & Fuertes, A.-M. (2016). On Cross-Border Bank Credit And The U.S. Financial Crisis Transmission To Equity Markets. Journal Of International Money And Finance, 69, 108–134. Https://Doi.Org/10.1016/J.Jimonfin.2016.06.014
Zorn, R. L. (2017). Coming In 2017: A New Generation Of Graduate - Proquest. College And University; Washington, Vol. 92, I, 2017.
Https://Www.Proquest.Com/Docview/1901673866
Abbasi, K., Alam, A., Du, M. A., & Huynh, T. L. D. (2021). Fintech, SME Efficiency And National Culture: Evidence From OECD Countries. Technological Forecasting And Social Change, 163. Https://Doi.Org/10.1016/J.Techfore.2020.120454
Agustina, I. L., Fauziv, E., Anwar, A., Ogalo, H. S., & Ratnasari, I. (2019). The Role Of Financial Management In Bringing Efficiency In Supply Chain Management. International Journal Of Supply Chain Management, 8(3), 1–9. Https://Www.Scopus.Com/Inward/Record.Uri?Eid=2-S2.0-85068205540&Partnerid=40&Md5=E666b76ca93a91ac8a435dba2455c6fd
Ahmad, A., Butt, B. S., . M., & Iram, S. (2019). Drivers Influencing Financial Behavior Among Management Students In Narowal. International Journal Of Academic Research In Business And Social Sciences, 9(2), 656–666. Https://Doi.Org/10.6007/Ijarbss/V9-I2/5602
Ajzen, I. (1991). The Theory Of Planned Behavior. Organazional Behavior And Human Decision Processes, 33(1), 179–211. Https://Doi.Org/10.47985/Dcidj.475
Ameliawati, M., & Setiyani, R. (2018). The Influence Of Financial Attitude, Financial Socialization, And Financial Experience To Financial Management Behavior With Financial Literacy As The Mediation Variable. Kne Social Sciences, 3(10), 811. Https://Doi.Org/10.18502/Kss.V3i10.3174
Atmojo, J. T., Iswahyuni, S., Rejo, R., Setyorini, C., Puspitasary, K., Ernawati, H., Syujak, A. R., Nugroho, P., Putra, N. S., Nurrochim, N., Wahyudi, W., Setyawan, N., Susanti, R. F., Suwarto, S., Haidar, M., Wahyudi, W., Iswahyudi, A.,
Tofan, M., Bintoro, W. A., … Mubarok, A. S. (2020). Penggunaan Masker Dalam Pencegahan Dan Penanganan Covid-19: Rasionalitas, Efektivitas, Dan Isu Terkini. Avicenna : Journal Of Health Research.
Https://Doi.Org/10.36419/Avicenna.V3i2.420
Ayuningtyas, M. F., & Irawan, A. (2021). The Influence Of Financial Literacy On Bandung Generation Z Consumers Impulsive Buying Behavior With Self-Control As Mediating Variable. Advanced International Journal Of Business, Entrepreneurship And Smes, 3(9), 155–171. Https://Doi.Org/10.35631/Aijbes.39012
Badri, M. (2022). Pribumi Digital Moderat: Profil Kecakapan Komunikasi Digital Generasi Z. Jurnal Riset Komunikasi, 5(2), 291–303.
Https://Doi.Org/10.38194/Jurkom.V5i2.653
Bandura, A. (1978). Self-Efficacy: Toward A Unifying Theory Of Behavioral Change. Advances In Behaviour Research And Therapy, 1(4), 139–161.
Https://Doi.Org/10.1016/0146-6402(78)90002-4
Baptista, S. M. J. (2021). The Influence Of Financial Attitude, Financial Literacy, And Locus Of Control On Financial Management Behavior (Study Case Working-Age Of Semarang). International Journal Of Social Science And Business, 5(1), 93–98. Https://Doi.Org/10.23887/Ijssb.V5i1.31407
Baroroh, K., Wahjoedi, Wahyono, H., Utomo, S. H., & Lestari, F. (2021). Incorporating Village Tourism Into “Community Economy” Course: A Project-Based Learning Method In University. International Journal Of Instruction, 14(4), 567–584. Https://Doi.Org/10.29333/Iji.2021.14433a
Bird, C. L., Şener, A., & Coşkuner, S. (2014). Visualizing Financial Success: Planning Is Key. International Journal Of Consumer Studies, 38(6), 684–691.
Https://Doi.Org/10.1111/Ijcs.12141
Esteban-Salvador, L., & Gargallo-Castel, A. F. (2019). Female Executives In The Service Sector: The Case Of Small And Medium-Sized Enterprises In Spain. Sustainability (Switzerland), 11(20). Https://Doi.Org/10.3390/Su11205601
Falahati, L., & Sabri, M. F. (2015). An Exploratory Study Of Personal Financial Wellbeing Determinants: Examining The Moderating Effect Of Gender. Asian Social Science, 11(4), 33–42. Https://Doi.Org/10.5539/Ass.V11n4p33
Francis, T., & Hoefel, F. (2018). “True Gen”: Generation Z And Its Implications For Companies. Mckinsey & Company, 10.
Https://Www.Mckinsey.Com/~/Media/Mckinsey/Industries/Consumer Packaged Goods/Our Insights/True Gen Generation Z And Its Implications For Companies/Generation-Z-And-Its-Implication-For-Companies.Ashx
Fungky, T., Sari, T. P., & Sanjaya, V. F. (2021). Pengaruh Gaya Hidup Serta Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Z Pada Masa Pandemi (Studi Kasus Mahasiswa/I Manajemen Bisnis Syariah, Uin Raden Intan
Lampung Angkatan 2019). Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen Dan Kewirausahaan, 1(1), 82–98.
Haiyang, C., & Ronald, P.-V. (1998). An Analysis Of Personal Financial Literacy Among College Students. Financial Service Review, 7(2), 107–128.
Https://Doi.Org/10.1108/JCM-01-2018-2514
Humaira, I., & Sagoro, E. M. (2018). PENGARUH PEngetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku Umkm Sentra Kerajinan Batik Kabupaten Bantul. Nominal, Barometer Riset Akuntansi Dan Manajemen.
Https://Doi.Org/10.21831/Nominal.V7i1.19363
Jati, W. R. (2015). Bonus Demografi Sebagai Mesin Pertumbuhan Ekonomi: Jendela Peluang Atau Jendela Bencana Di Indonesia? Populasi, 23(1), 1. Https://Doi.Org/10.22146/Jp.8559
Khoirotun Nisa, F., & Asandimitra Haryono, N. (2022). Pengaruh Financial Knowledge, Financial Attitude, Financialself Efficacy, Income, Locus Of Control, Dan Lifestyle Terhadapfinancial Management Behavior Generasi Z. In Jurnal Ilmu Manajemen.
Kusnandar, D. L., & Kurniawan, D. (2018). Literasi Keuangan Dan Gaya Hidup Ibu Rumah Tangga Dalam Membentuk Perilaku Keuangan Keluarga Di Kota Tasikmalaya. Seminar Nasional Dan Call For Paper Sustainable Competitive Advantage (SCA) 8 Purwokerto, 1(8), 1–12.
Lailiyah, E. H., Dewi, A., Shidiq, Y., & Lestari, D. (2022). Prediksi Financial Behaviour Dengan Literasi Keuangan Sebagai Variabel Moderasi Pada Organisasi Keagamaan Muhammadiyah Di Indonesia. Journal Of Accounting Science, 6(1). Https://Doi.Org/10.21070/Jas.V6i1.1597
Laturette, K., Widianingsih, L. P., & Subandi, L. (2021). Literasi Keuangan Pada Generasi Z. Jurnal Pendidikan Akuntansi (JPAK). Https://Doi.Org/10.26740/Jpak.V9n1.P131-139
Mauliddah, N., Danurwindo, M. A., Ulum, B., Wibowo, O. I., & Pravitasari, G. N. (2023). Mediation Of Financial Literacy In Predicting Risk Tolerance On Muhammadiyah Organization Members In East Java.
Mawad, J. L., Athari, S. A., Khalife, D., & Mawad, N. (2022). Examining The Impact Of Financial Literacy, Financial Self-Control, And Demographic Determinants On Individual Financial Performance And Behavior: An Insight From The Lebanese Crisis Period. Sustainability (Switzerland), 14(22).
Https://Doi.Org/10.3390/Su142215129
Mehmood, M. S., Jian, Z., Waheed, A., Younas, A., & Khan, S. Z. (2019). Impact Of Entrepreneurial Leadership On Employee’s Innovative Behavior: Mediating Role Of Psychological Empowerment. 223–229.
Https://Doi.Org/10.1145/3312662.3312701
Nadira R. R., & Lasmanah. (2022). Pengaruh Locus Of Control Dan Experience Regret Terhadap Keputusan Investasi Mahasiswa Manajemen Angkatan 2018 Universitas Islam Bandung. Bandung Conference Series: Business And Management. Https://Doi.Org/10.29313/Bcsbm.V2i2.4749
Philippas, N. D., & Avdoulas, C. (2020). Financial Literacy And Financial Well-Being Among Generation-Z University Students: Evidence From Greece. European Journal Of Finance, 26(4–5), 360–381. Https://Doi.Org/10.1080/1351847X.2019.1701512
Pradiningtyas, T. E., & Lukiastuti, F. (2019). Pengaruh Pengetahuan Keuangan Dan Sikap Keuangan Terhadap Locus Of Control Dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide Dan Inspirasi. Https://Doi.Org/10.24252/Minds.V6i1.9274
Pramedi, A. D., & Haryono, N. A. (2021). Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income Dan Financial Self Efficacy Terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi Di Surabaya. Jurnal Ilmu Manajemen, 9(2), 572.
Https://Doi.Org/10.26740/Jim.V9n2.P572-586
Rachmawati, N., & Nuryana, I. (2020). Economic Education Analysis Journal. Economic Education Analysis Journal, 9(1), 166–181.
Https://Doi.Org/10.15294/Eeaj.V9i1.37246
Rahmatia, A., Rahmah, S., & Khairunnisa, A. (2021). Determinants Of Understanding Generation Z Financial Literacy In The Vocational School Students Of Kahayan Hilir. Jurnal Pendidikan Islam, 4(2), 315–327.
Http://Jurnal.Staiannawawi.Com/Index.Php/At-Tarbiyat/Article
Sampoerno. (2021). Jurusan Manajemen Fakultas Ekonomika Dan Bisnis Universitas Negeri Surabaya. Jurnal Ilmu Manajemen, 9, 1–13.
Sari, A. N., & Kautsar, A. (2020). Analisis Pengaruh Literasi Keuangan, Financial Technology, Dan Demografi Terhadap Inklusi Keuangan Pada Masyarakat Di Kota Surabaya. Jurnal Ilmu Manajemen, 8(4), 1233.
Https://Doi.Org/10.26740/Jim.V8n4.P1233-1246
Suwatno, S., Waspada, I. P., & Mulyani, H. (2020). Meningkatkan Perilaku Pengelolaan Keuangan Mahasiswa Melalui Financial Literacy Dan Financial Sel Efficacy. Jurnal Pendidikan Akuntansi & Keuangan, 8(1), 87–96.
Https://Doi.Org/10.17509/Jpak.V8i1.21938
Ulfatun, T., Udhma, Um. S., & Dewi, R. S. (2016). Analisis Tingkat Literasi Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Yogyakarta Tahun Angkatan 2012-2014. Pelita, XI(2), 1–13.
Yan, C., Phylaktis, K., & Fuertes, A.-M. (2016). On Cross-Border Bank Credit And The U.S. Financial Crisis Transmission To Equity Markets. Journal Of International Money And Finance, 69, 108–134. Https://Doi.Org/10.1016/J.Jimonfin.2016.06.014
Zorn, R. L. (2017). Coming In 2017: A New Generation Of Graduate - Proquest. College And University; Washington, Vol. 92, I, 2017.
Https://Www.Proquest.Com/Docview/1901673866
Published
2024-07-03
How to Cite
Mauliddah, N., Sari, T., Pradina, S., & Yushartono, I. (2024). DETERMINAN FINANCIAL BEHAVIOUR DENGAN DIMODERASI GENDER PADA GEN Z. Journal of Management : Small and Medium Enterprises (SMEs), 17(2), 323-340. https://doi.org/10.35508/jom.v17i2.14462
Section
Articles
