Published: 2026-06-01
Pengaruh Digital Literacy, Financial Planning, dan Self-Control Terhadap Saving Behavior: Studi Kasus Generasi Z di Kota Pontianak
DOI: 10.35870/jemsi.v12i3.6433
Abstract
The development of digital technology has led to changes in the financial behavior of Generation Z. However, these changes have not been fully accompanied by sound Saving Behavior. The phenomenon of low saving rates indicates that most individuals in Generation Z remain oriented toward short-term consumption rather than allocating income for savings. Therefore, digital literacy, financial planning, and Self-control are essential in fostering healthy Saving Behavior among Generation Z in Pontianak City. This study employs a causal quantitative approach, with data collected through questionnaires using purposive sampling techniques. The research sample consists of 200 Generation Z respondents in Pontianak City. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS version 4 software. The results indicate that digital literacy has a positive but insignificant effect on Saving Behavior, while Financial Planning and Self-control have positive and significant effects on Saving Behavior.
Keywords
Digital Literacy; Financial Planning; Self-control; Saving Behavior
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
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Issue: Vol. 12 No. 3 (2026)
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Section: Articles
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Published: 2026-06-01
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License: CC BY 4.0
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Copyright: © 2026 Authors
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DOI: 10.35870/jemsi.v12i3.6433
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Alifa Tauris Miranda Bella, Universitas Tanjungpura
Program Studi Manajemen, Ekonomi dan Bisnis, Universitas Tanjungpura, Kota Pontianak, Indonesia.
Giriati Giriati, Universitas Tanjungpura
Program Studi Manajemen, Ekonomi dan Bisnis, Universitas Tanjungpura, Kota Pontianak, Indonesia.
Anwar Azazi, Universitas Tanjungpura
Program Studi Manajemen, Ekonomi dan Bisnis, Universitas Tanjungpura, Kota Pontianak, Indonesia.
Wendy Wendy, Universitas Tanjungpura
Program Studi Manajemen, Ekonomi dan Bisnis, Universitas Tanjungpura, Kota Pontianak, Indonesia.
Anggraini Syahputri, Universitas Tanjungpura
Program Studi Manajemen, Ekonomi dan Bisnis, Universitas Tanjungpura, Kota Pontianak, Indonesia.
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