Hubungan Literasi Finansial dengan Kesejahteraan Finansial di Kalangan Generasi Z Masyarakat Kelurahan Kalibaru Kota Bekasi

Alina Alifah, Ferdy Muzzamil, Rizma Afian Azhiim

Abstract


This study aims to examine the relationship between financial literacy and financial well-being among Generation Z in Kalibaru Village, Bekasi City. Rapid digitalization and increasing access to financial services have created both opportunities and challenges for young people in managing their finances. This research employed a quantitative correlational design with 348 respondents selected through accidental sampling. Financial literacy was measured using a scale adapted from Lusardi and Mitchell, while financial well-being was assessed using the Consumer Financial Protection Bureau (CFPB) Financial Well-Being Scale. Data were analyzed using Spearman’s rho correlation test. The results indicated a significant positive relationship between financial literacy and financial well-being (rₛ = 0.709; p < 0.001). These findings suggest that higher financial literacy is associated with higher perceived financial well-being among Generation Z. This study highlights the importance of financial literacy education in enhancing economic and psychological well-being among young people.


Keywords


financial literacy, financial well-being, Generation Z, economic psychology

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References


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DOI: https://doi.org/10.5281/zenodo.18217656

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Socius: Jurnal Penelitian Ilmu-Ilmu Sosial

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