Nadia Tsal-Tsabila, . (2026) PENGARUH LITERASI KEUANGAN DIGITAL, SIKAP KEUANGAN, DAN PERILAKU KEUANGAN SYARIAH TERHADAP KESEJAHTERAAN KEUANGAN GENERASI Z. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
Over the past three years, the use of online lending among Generation Z has increased significantly alongside the rapid expansion of digital financial services. This trend not only reflects a shift in financial access behavior but also introduces potential risks related to financial well-being. Based on this context, this study aims to examine whether digital financial literacy, financial attitude, and sharia-based financial behavior contribute to the financial well-being of Generation Z. A quantitative approach using the PLS-SEM method was employed in this research. Data were collected through questionnaires distributed to 130 Generation Z respondents in the Greater Jakarta area using purposive sampling. The data were then analyzed using SmartPLS to evaluate the relationships among variables in a structured and measurable way. The findings indicate that financial well-being is positively and significantly influenced by digital financial literacy and sharia-based financial behavior. In contrast, financial attitude does not show a significant effect on financial well-being. Therefore, enhancing the ability to understand and utilize digital financial services wisely, along with the implementation of Islamic financial principles, can support better financial well-being among Generation Z.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | [No. Panggil: 2210116049] [Pembimbing: Lili Puspita Sari] [Penguji 1: Fadhli Suko Wiryanto] [Ketua Penguji: Faizi] |
| Uncontrolled Keywords: | Digital Financial Literacy, Financial Attitude, Financial Well-Being, Generation Z, Islamic Financial Behavior |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HG Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Ekonomi Syariah (S1) |
| Depositing User: | NADIA TSAL-TSABILA |
| Date Deposited: | 02 Sep 2026 05:05 |
| Last Modified: | 02 Sep 2026 05:05 |
| URI: | http://repository.upnvj.ac.id/id/eprint/51718 |
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