The Influence of Lifestyle, Financial Attitudes, and Locus of Control on the Financial Behavior of Generation Z in Sidoarjo with Financial Literacy as a Mediating Variable
Pengaruh Gaya Hidup, Sikap Keuangan, dan Locus of Control Terhadap Perilaku Keuangan Generasi Z di Sidoarjo dengan Literasi Keuangan Sebagai Variabel Mediasi
DOI:
https://doi.org/10.21070/ups.11502Keywords:
Lifestyle, Financial Attitude, Locus Of Control, Financial Literacy, Financial BehaviorAbstract
This study is motivated by the financial behavior of Generation Z in Sidoarjo, which still shows impulsive consumption patterns and weak financial management, despite increasingly easy access to financial information. This phenomenon is related to lifestyle, financial attitude, and locus of control, as well as the role of financial literacy in shaping individual financial actions. The purpose of this study is to analyze the influence of lifestyle, financial attitude, and locus of control on the financial behavior of Generation Z in Sidoarjo, with financial literacy as a mediating variable. The research uses a quantitative approach with primary data collected through questionnaires. Data analysis is conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4.0 software. The findings are expected to provide insights into the relationships among variables and serve as a reference for efforts to improve the financial behavior of Generation Z.
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