PENGARUH FINANCIAL LITERACY, FINANCIAL INCLUSION DAN FINANCIAL TECHNOLOGY TERHADAP PERILAKU KEUANGAN PADA GENERASI Z

Abstract

This study aims to determine the effect of financial literacy, financial inclusion and financial technology on financial behavior in generation Z. This study uses a quantitative method with a sample of 96 respondents. The sampling technique uses Non-Probability Sampling with Purposive Sampling type and data obtained from distributing questionnaires. The analysis method used is questionnaire testing, classical assumption testing, hypothesis testing, multiple linear regression and coefficient of determination (R²), and processed using SPSS version 25. The results of the analysis obtained indicate that financial literacy partially has a positive effect on financial behavior in generation Z as evidenced by T_count 6.877 > T_Table 1.6615. The financial inclusion variable partially has a positive effect on financial behavior in generation Z as evidenced by T_count 2.573 > T_Table 1.6615. The financial technology variable partially has no effect on financial behavior in generation Z as evidenced by T_count 0.685 < T_Table 1.6615. The variables of financial literacy, financial inclusion and financial technology simultaneously have a positive effect on financial behavior in generation Z, as evidenced by F_count 44.442 > F_Table 2.70 and the adjusted r square value of 0.578 or 57.8%.