Petra International journal of Business Studies (IJBS)
Vol. 6 No. 2 (2023): DECEMBER 2023

Unlocking Financial Literacy in Generation Z: Are Sociodemographic Factors the Key?

Adi Kurniawan Yusup (Universitas Ciputra Surabaya)
Charly Hongdiyanto (Universitas Ciputra Surabaya)

Article Info

Publish Date
29 Dec 2023

Abstract

This research aims to investigate the relationship between sociodemographic factors, encompassing age, gender, and access to the internet among Generation Z in Surabaya, utilizing the convergence theory framework. Convergence theory posits that both heredity and environmental factors can affect human development. There are 441 respondents employed as the sample of this research. We use multiple regression linear analysis to examine the hypothesis. The finding reveals that age and gender positively affect financial literacy, whereas access to the internet does not directly affect financial literacy. Instead, it exerts an indirect effect through financial interest. Various robustness tests were conducted, and the results remained consistent.

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Journal Info
Petra International journal of Business Studies (IJBS)
Website

Abbrev

ijbs

Publisher

Universitas Kristen Petra Surabaya

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Petra IJBS (Petra International Journal of Business Studies, ISSN: 2621-6426) is a peer-reviewed journal published under the Master of Management program, Faculty of Economics, Petra Christian University (MM FE UKP). The journal serves as a vessel for exchanging business knowledge to scholars and ...