Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)

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The Influence of Economic Literacy, Digital Awareness, and Family Financial Management Education on the Financial Management Behavior of Generation Z

Authors
Rambu Liarang Kaweda Djati1, *, Riskin Hidayat2, Alfiatul Maulida1
1Management Study Program, Faculty of Economics, Universitas Sarjanawiyata Tamansiswa, Yogyakarta, Indonesia
2Master of Management Study Program, Faculty of Economics, Universitas Sarjanawiyata Tamansiswa, Yogyakarta, Indonesia
*Corresponding author. Email: rambuliaaa@gmail.com
Corresponding Author
Rambu Liarang Kaweda Djati
Available Online 24 April 2026.
DOI
10.2991/978-94-6239-656-2_6How to use a DOI?
Keywords
Economic Literacy; Digital Awareness; Family Financial Management Education; Financial Management Behavior
Abstract

This study aims to analyze the influence of economic literacy, digital awareness, and family financial management education on the financial management behavior of Generation Z. The background of this study is the increasing consumption behavior among Generation Z, who are more focused on lifestyle rather than productive activities such as saving and investing. This study uses a quantitative approach with an associative method to test the relationship between variables. The population in this study was 1,319 Generation Z students at the Faculty of Economics, Universitas Sarjanawiyata Tamansiswa, Yogyakarta, with 100 respondents as a sample selected using probability sampling techniques or simple random sampling and using the Slovin formula. Data were obtained through questionnaires and analyzed using validity, reliability, and multiple linear regression tests. The results showed that economic literacy and family financial management education had a significant positive influence on financial management behavior, while digital awareness did not show a significant influence. These findings emphasize the importance of economic understanding and education from families in influencing the financial behavior of generations.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
24 April 2026
ISBN
978-94-6239-656-2
ISSN
2352-5428
DOI
10.2991/978-94-6239-656-2_6How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Rambu Liarang Kaweda Djati
AU  - Riskin Hidayat
AU  - Alfiatul Maulida
PY  - 2026
DA  - 2026/04/24
TI  - The Influence of Economic Literacy, Digital Awareness, and Family Financial Management Education on the Financial Management Behavior of Generation Z
BT  - Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
PB  - Atlantis Press
SP  - 65
EP  - 78
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-656-2_6
DO  - 10.2991/978-94-6239-656-2_6
ID  - Djati2026
ER  -