Silvana, Ines (2024) Pengaruh Pengetahuan Keuangan dan Locus of Control terhadap Perilaku Keuangan Dimediasi Sikap Keuangan Generasi Z di Kota Malang. Undergraduate thesis, Fakultas Ekonomi dan Bisnis Universitas Merdeka Malang.

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Abstract

Generation Z, especially students born in 2000 to 2006 in Malang City, was found to face obstacles in managing financial behavior, including lack of expenditure planning, indiscipline in spending income, and difficulty determining consumption priorities. The consumptive behavior of Generation Z, especially students, especially those triggered by lifestyle and the desire to follow ongoing trends can result in financial risks, including the courage to go into debt to follow current trends. The study aims to describe the theory and see and test the influence of financial knowledge variables, locus of control, financial behavior and financial attitudes as mediating variables of generation Z in Malang City. This type of research is quantitative with primary data sources using questionnaires and distributed through structured and closed google forms. The research uses SmartPLS 3.0 and the analysis used is outer model testing, inner model testing, and hypothesis testing. The sample used the opinion of the researcher Hair et al (2014), namely the total indicators multiplied by 10 so that the total sample was 170 student research respondents at various universities in Malang City. Based on the results show that financial knowledge has a significant effect on generation Z financial attitudes, locus of control has a significant effect on generation Z financial attitudes, financial knowledge has a significant effect on generation Z financial behavior, locus of control has a significant effect on generation Z financial behavior, financial attitudes have a significant effect on financial behavior, financial attitudes can mediate the significant effect of financial knowledge on generation Z financial behavior, and financial attitudes can mediate the significant effect of locus of control on generation Z financial behavior.

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