@phdthesis{digilib78114,
           month = {August},
           title = {PENGARUH LITERASI KEUANGAN SYARIAH DAN PEMAHAMAN COMPOUNDING RETURN TERHADAP KESEJAHTERAAN FINANSIAL MAHASISWA GENERASI Z},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 22108030074 Abyan Akmal Hakim},
            year = {2026},
            note = {Ratna Sofiana, SH., M.SI.},
        keywords = {Literasi Keuangan Syariah, Compounding Return, Financial Well-being, Generasi Z, SEM-PLS},
             url = {https://digilib.uin-suka.ac.id/id/eprint/78114/},
        abstract = {This study aims to analyze the effect of Islamic Financial Literacy and Compounding Return Understanding on the Financial Well-being of Muslim Generation Z university students in Indonesia. This research employed a quantitative approach with an explanatory survey design. Data were collected through questionnaires from 211 Muslim Generation Z university students and analyzed using Structural Equation Modeling?Partial Least Squares (SEM-PLS). The results show that Islamic Financial Literacy has a positive and significant effect on Financial Well-being, with {\ensuremath{\beta}} = 0.367, t-statistic = 6.005, and p-value {\ensuremath{<}} 0.001. Compounding Return Understanding also has a positive and significant effect on Financial Well-being, with {\ensuremath{\beta}} = 0.493, t-statistic = 11.463, and p-value {\ensuremath{<}} 0.001. These findings indicate that understanding Islamic financial principles and the ability to understand asset growth through time, consistency, and reinvestment can contribute to students? financial well-being. The findings provide practical implications for developing Islamic financial literacy and long-term financial planning education for young people.}
}