PENGARUH LOCUS OF CONTROL, MENTAL ACCOUNTING, DAN FINANCIAL SELF EFFICACY TERHADAP MANAJEMEN KEUANGAN PRIBADI PADA GENERASI Z DENGAN LITERASI KEUANGAN SYARIAH SEBAGAI VARIBEL MODERASI

Dwi Nur Haliza, NIM.: 21108030067 (2025) PENGARUH LOCUS OF CONTROL, MENTAL ACCOUNTING, DAN FINANCIAL SELF EFFICACY TERHADAP MANAJEMEN KEUANGAN PRIBADI PADA GENERASI Z DENGAN LITERASI KEUANGAN SYARIAH SEBAGAI VARIBEL MODERASI. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

	Text (PENGARUH LOCUS OF CONTROL, MENTAL ACCOUNTING, DAN FINANCIAL SELF EFFICACY TERHADAP MANAJEMEN KEUANGAN PRIBADI PADA GENERASI Z DENGAN LITERASI KEUANGAN SYARIAH SEBAGAI VARIBEL MODERASI) 21108030067_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf - Published Version Download (3MB)
	Text (PENGARUH LOCUS OF CONTROL, MENTAL ACCOUNTING, DAN FINANCIAL SELF EFFICACY TERHADAP MANAJEMEN KEUANGAN PRIBADI PADA GENERASI Z DENGAN LITERASI KEUANGAN SYARIAH SEBAGAI VARIBEL MODERASI) 21108030067_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf Download (3MB)

Abstract

This study aims to determine the effect of locus of control, mental accounting, and financial self-efficacy on personal financial management among Generation Z, with Islamic financial literacy as a moderating variable. This research is a quantitative study using purposive sampling. Of the 200 questionnaire responses collected, 199 met the criteria and were used in the analysis. The study employed SEM-PLS with the assistance of SmartPLS 4.0 software. The results indicate that all three variables have a significant positive effect on personal financial management. However, Islamic financial literacy is unable to moderate the effects of locus of control and mental accounting, but it is able to moderate the effect of financial self-efficacy on personal financial management.

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