International Journal of Social Science & Economic Research
Submit Paper

Title:
THE EFFECT OF FINANCIAL KNOWLEDGE AND FINANCIAL PLANNING ON FINANCIAL SKILLS WITH POCKET MONEY AS A MODERATING VARIABLE IN GENERATION Z (CASE STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, UNIVERSITY OF MUHAMMADIYAH SURAKARTA)

Authors:
Indah Dwi Novianti and Kurnia Rina Ariani

|| ||

Indah Dwi Novianti1 and Kurnia Rina Ariani2
1. Accounting Student, Faculty of Economics and business, Muhammadiyah University of Surakarta, Central Java, Indonesia
2. Lecturer in Accounting, Faculty of Economics and business, Muhammadiyah University of Surakarta, Central Java, Indonesia

MLA 8
Novianti, Indah Dwi, and Kurnia Rina Ariani. "THE EFFECT OF FINANCIAL KNOWLEDGE AND FINANCIAL PLANNING ON FINANCIAL SKILLS WITH POCKET MONEY AS A MODERATING VARIABLE IN GENERATION Z (CASE STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, UNIVERSITY OF MUHAMMADIYAH SURAKARTA)." Int. j. of Social Science and Economic Research, vol. 8, no. 3, Mar. 2023, pp. 532-547, doi.org/10.46609/IJSSER.2023.v08i03.014. Accessed Mar. 2023.
APA 6
Novianti, I., & Ariani, K. (2023, March). THE EFFECT OF FINANCIAL KNOWLEDGE AND FINANCIAL PLANNING ON FINANCIAL SKILLS WITH POCKET MONEY AS A MODERATING VARIABLE IN GENERATION Z (CASE STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, UNIVERSITY OF MUHAMMADIYAH SURAKARTA). Int. j. of Social Science and Economic Research, 8(3), 532-547. Retrieved from https://doi.org/10.46609/IJSSER.2023.v08i03.014
Chicago
Novianti, Indah Dwi, and Kurnia Rina Ariani. "THE EFFECT OF FINANCIAL KNOWLEDGE AND FINANCIAL PLANNING ON FINANCIAL SKILLS WITH POCKET MONEY AS A MODERATING VARIABLE IN GENERATION Z (CASE STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, UNIVERSITY OF MUHAMMADIYAH SURAKARTA)." Int. j. of Social Science and Economic Research 8, no. 3 (March 2023), 532-547. Accessed March, 2023. https://doi.org/10.46609/IJSSER.2023.v08i03.014.

References

[1]. Amanah, E., & Iradianty, A. (2016). The Effect of Financial Knowledge, Financial Attitude and External Locus of Control on Personal Financial Management Behavior in Undergraduate Students at Telkom University. 3(2), 1228–1235.
[2]. Ana, A. (2018). The Influence of Financial Knowledge and External Locus of Control on Personal Financial Management Behavior in Undergraduate Students of the Faculty of Economics, Indonesian Islamic University, Yogyakarta. 1–19.
[3]. Assyfa, L. N. (2020). The Influence of Pocket Money, Gender and Academic Ability on Accounting Students' Financial Management Behavior with Financial Literacy as an Intervening Variable. Platform Riset Mahasiswa Akuntansi (PRISMA), 01(01), 109–119.
[4]. Aswir, & Misbah, H. (2018). The Influence of Financial Literacy and Pocket Money on the Financial Management of 2018 Undergraduate Management Study program Students, Faculty of Economics and Business. (Study on Students of Malang Islamic University). Photosynthetica, 2(1), 1–13.
[5]. Ate, G. M., & Yowi, K. (2022). Single Employee Personal Financial Planning (Study on State-Owned Employees in Waingapu City). 2(3), 355–364.
[6]. Chairiah, R. (2022). Financial Literacy and Pocket Money Influence Consumptive Behavior with the Locus of Control as a Mediating Variable in Muhammadiyah University, North Sumatra Students. 3(8.5.2017), 36–37.
[7]. Dewi, V. I., Febrian, E., Effendi, N., & Anwar, M. (2020). Financial literacy among the Millennial Generation: Relationships between Knowledge, Skills, Attitude, and behaviour. Australasian Accounting, Business and Finance Journal, 14(4), 24–37.
[8]. Fuadi, M. N., & Trisnaningsih, S. (2022). The effect of Financial Literacy and Social Environment on Personal Financial Planning. Jurnal Proaksi, 9(2), 97–111.
[9]. Herma, W. (2018). The Effect of Financial Knowledge, Financial Attitude on Personal Financial Management. Jurnal Riset Keuangan Dan Akuntansi, 4(1), 70.
[10]. Iryani, R. M., & Kristanto, R. S. (2022). The Influence of Knowledge about Islamic Banks, Religiosity, Social Environment, and Pocket Money on Students' Interest in Saving in Islamic Banks (a Case Study on STIE students at Bank BPD Jateng). Magisma: Jurnal Ilmiah Ekonomi Dan Bisnis, 10(2), 191–202.
[11]. Khairani, F., & Alfarisi, M. F. (2019). Analysis of the Effect of Financial attitude, Financial knowledge, Parental Education and Parental Income on Financial Management Behavior in Undergraduate Students at Andalas University, Padang. Scientific Journal of Management Economics Students, 4(1), 360–371.
[12]. Leunupun, E. G., Kriswantini, D., & Madiuw, L. (2022). Factors Affecting Accounting Student Financial Management Behavior (Empirical Study on UNPATTI Accounting Students in Southwest Maluku District) Kupna Journal, 2(2), 125–133.
[13]. Marteniawati, Risvina. 2012. Mental Accounting in Pocket Money Management at Satya Wacana Christian University Student. Salatiga: Christian University Satya Discourse.
[14]. Mulyadi, D. R., Subagio, N., & Riyadi, R. (2022). Financial Management Abilities of Students of Economics Education at Mulawarman University. 25–32.
[15]. Ningrum, H. A. D. (2021). Factors Influence Personal Financial Planning in the City of Kediri. Management Science Journal, 9(2), 359.
[16]. Nugroho, N. S., & Panuntun, B. (2022). The Influence of Financial Knowledge, Financial Skills, and Income on Financial Management Behavior of generation Z. Business & Management Student Journal, 01(01), 189–207.
[17]. Riskiana, E. S., Cahyono, D., & Fitriya, E. (2022). Measuring Islamic Financial literacy Based on the Knowledge and Skills of People in Indonesia. Business and Economics Conference in Utilization of Modern Technology, 982–994.
[18]. Rozaini, N., Sitohang. (2020). The influence of Pocket Money Management and Modernity on Consumer Behavior of Students of the Economics Education Study Program, the Faculty of Economics, Medan State University, Stambuk 2018. business management journal eka prasetya 6(2), 1–8.
[19]. Saputri, F. A., & Iramani, I. (2019). The Influence of Financial Literacy, Personal Values and Attitudes Towards Family Financial Planning in Surabaya. Journal of Business and Banking, 9(1), 123. https://doi.org/10.14414/jbb.v9i1.1523
[20]. Saraswati, A. M., & Nugroho, A. W. (2021). Financial planning and Financial Management of Generation Z During the Covid-19 Pandemic through Strengthening Financial Literacy. Warta LPM, 24(2), 309–318. https://doi.org/10.23917/warta.v24i2.13481
[21]. Sari, N. (2021). The Influence of Financial Literacy, Locus of Control, Lifestyle and Gender on the Financial Management Behavior of Surabaya State University Students. Management Science Journal, 9(2), 670. https://doi.org/10.26740/jim.v9n2.p670-680
[22]. Sukiyaningsih, T. W. (2022). Pocket Money Budgeting Training as an Effort for Student Financial Freedom.
[23]. Susanto, Y. B., Setiawan, U. M., Ariyanto. (2022). Financial planning for millennials and gen-Z ( Study of millennials and gen-Z financial behaviour). ULTIMA Management, 14(1), 156–168.
[24]. Yohana, C., & Ida. (2010). The Effect of Locus of Control, Financial Knowledge, Income on Financial Management Behavior. 12(3), 131–144.

ABSTRACT:
In Indonesia, financial knowledge is known to improve welfare. However, it turns out that many still do not have and understand knowledge about excellent and correct financial Management. So they cannot plan and manage the use of money that can be used to achieve life goals. A mindset that does not care about financial concepts can have a harmful impact. The type of research used is quantitative research. The survey method was chosen as the primary data source. Financial knowledge and financial planning have a positive and significant effect on financial skills. And pocket money can influence financial knowledge and financial planning on financial skills. The results of this study contribute to understanding the impact of financial knowledge and financial planning on financial skills with pocket money as a moderating variable in Generation Z.

IJSSER is Member of