Financial literacy and Financial Planning Analysis of Generation Z in Sintang Regency on the Risk of Financial Fraud
(1) * Joko Susilo Mail (Universitas Muhammadiyah Pontianak, Indonesia)
(2) Yasir Hudzaifah Mail (Universitas Muhammadiyah Pontianak, Indonesia)
*corresponding author

Abstract


This research intends to examine the impact of financial literacy and financial planning on the likelihood of financial fraud among Generation Z in Sintang Regency. The method employed is Partial Least Squares Structural Equation Modeling (PLS-SEM) featuring three primary constructs: financial literacy, financial planning, and risk of financial fraud. The testing results for the outer model indicated that all metrics satisfy the requirements for validity and reliability. The R-square value of 0.946 shows that financial literacy and financial planning account for 94.6% of the variation in the risk of financial fraud. The hypothesis test indicated that financial literacy (? = 0.528; p < 0.001) along with financial planning

Keywords


Financial Literacy; Financial Planning; Risk Of Financial Fraud

   

DOI

https://doi.org/10.47679/jrssh.v5i3.451 		      

Article metrics

10.47679/jrssh.v5i3.451 Abstract views : 142 | PDF views : 100

   

Cite

How to cite item
   

Full Text

Download

References


Abdillah, Willy, & Hartono, J. (2015). Partial Least Square (PLS) Alternatif Structural Equation Modeling (SEM) Dalam Penelitian Bisnis. Penerbit Andi.

Billingsley, R. S., Gitman, L. J., & Michael, D. J. (2017). Personal Financial Planning. Cengage Learning.

Fatimah, S. (2019). Pengaruh Financial Literacy, Financial Self Efficacy, Social Economic Status Dan Locus Of Control Terhadap Perilaku Manajemen Keuangan Mahasiswa S-1 Fakultas Ekonomi Dan Ilmu Sosial Universitas Islam Negeri Sultan Syarif Kasim Riau. Universitas Islam Negeri Sultan Syarif Kasim Riau.

Felycia Sugianto, D., Inggrit Wijaya, L., & Silvia Sutejo, B. (2024). Herding dan Overconfidence dalam Investasi Gen Z: Dampak dan Moderasi Literasi Keuangan. Journal of Accounting and Finance Management, 5(5), 1088–1099. https://doi.org/10.38035/jafm.v5i5.1092

Ghozali. (2021). Partial Least Square Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.2.9 Untuk Penelitian Empiris. Badan Penerbit Universitas Diponegoro.

Ghozali, I., & Latan, H. (2015). Konsep, teknik, aplikasi menggunakan Smart PLS 3.0 untuk penelitian empiris. Badan Penerbit – Undip.

Gitman, L. J., Joehnk, M. D., & Billingsley, R. S. (2011). Personal Financial Planning. CANGAGE LEARNING.

Hair, J. F., Ringer, C. M., & Sarstedt, M. (2011). PLS-SEM: Indeed a Silver Bullet. Journal of Marketing Theory and Practice, 19(2), 139–152. https://doi.org/10.2753/MTP1069-6679190202

Hesniati, Candy, Erick, Lee, A., Lukito, I., & Kelvin. (2023). Pengaruh Technostress dalam Penggunaan E-Wallet Fintech Intention oleh Gen Z di Kota Batam. Economics and Digital Business Review, 4(1), 349–361.

Investopedia. (2025). The Surprising Truth About the Age Group Most Likely to Fall for Financial Fraud. Https://Www.Investopedia.Com/. https://www.investopedia.com/age-and-financial-fraud-11714608

Izazi, I. M., Nuraina, E., & Styaningrum, F. (2020). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Dengan Self Control Sebagai Variabel Mediasi (Studi Pada Mahasiswa Pendidikan Akuntansi Universitas Pgri Madiun). Review of Accounting and Business, 1(1), 35–43. https://doi.org/10.52250/reas.v1i1.333

Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5

Lusardi, A., & Mitchell, O. S. (2023). The Importance of Financial Literacy: Opening a New Field. Journal of Economic Perspectives, 37(4), 137–154. https://doi.org/10.1257/jep.37.4.137

Nirmala, A., Agustina Yuli, & Subagyo. (2024). Pengaruh Hedonic Lifestyle, Literasi Keuangan Dan Sikap Keuangan Terhadap Perilaku Keuangan Pada. 23(5), 155–176.

Nurhasanah, N., & Chairunnisa, M. (2024). Pengenalan Pasar Modal Syariah Bagi Generasi Z Di SMK AL IHSAN Jakarta Barat. Jurnal Pengabdian Sosial, 1(9), 1204–1211. https://doi.org/10.59837/xdecad82

OCED. (2022). Student financial literacy. Https://Www.Oecd.Org/. https://www.oecd.org/en/topics/student-financial-literacy

OJK. (2022). Edukasi Keuangan. Ojk.Go.Id. https://ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/Pages/literasi-keuangan.

Putri, N. V, Herawaty, N., & Yustien, R. (2024). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa dengan Religiusitas Sebagai Variabel Moderasi (Studi Kasus pada Mahasiswa Akuntansi Fakultas Ekonomi dan Bisnis Universitas Jambi). Universitas Jambi.

Sari, R. I., & Fahamsyah, M. H. (2025). JIMEA | Jurnal Ilmiah MEA ( Manajemen , Ekonomi , dan Akuntansi). Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi), 9(1), 2774–2739. https://journal.stiemb.ac.id/index.php/mea/article/view/4102

Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.

Tarigan, S. M. . (2024). Keuangan Terhadap Perilaku Pengelolaan Keuangan Pribadi Pada Generasi Z : Model. In ResearchGate. https://www.researchgate.net/publication/381886674_PENGARUH_LITERASI_KEUANGAN_DAN_PENGETAHUAN_KEUANGAN_TERHADAP_PERILAKU_PENGELOLAAN_KEUANGAN_PRIBADI

TIME. (2024). Why Gen Z Is Surprisingly Susceptible to Financial Scams. Https://Time.Com/. https://time.com/6802011/gen-z-financial-scams-fraud


Refbacks

  • There are currently no refbacks.


Copyright (c) 2025 Joko Susilo, Yasir Hudzaifah

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

______________________________________________________________________________________________

Journal of Research in Social Science And Humanities

Published by Utan Kayu Publishing

Lucky Arya Residence 2 No. 18
Jalan HOS. Cokroaminoto Kab. Pringsewu
Lampung - Indonesia, Postal code 35373

Email: jurnal.jrssh@gmail.com