Pengaruh Teman Sebaya, Media Sosial, Pengetahuan Keuangan Terhadap Perilaku Keuangan Mahasiswa Generasi Z Di Surabaya

Abstract

This study aims to analyze the influence of peers, social media, and financiaknowledge on the financial behavior of Generation Z students in Surabaya, and to examine the differences in financial behavior between business and non-business students. This study uses a quantitative approach with an explanatory method. Data were obtained through online questionnaires, followed by data analysis using Structural Equation Modeling-Partial Least Square (SEM-PLS) with the help of WarpPLS 7.0 software, and conducting a difference test using the Independent Sample t-test with the help of SPSS software. The results of the study indicate that peers have a positive effect on social media use, peers do not have a positive effect on financial knowledge, social media use does not have a positive effect on financial knowledge, and social media use has a positive effect on financial behavior. In addition, the results of the difference test indicate that there are differences in financial behavior between business and non-business students in Surabaya. The criteria for respondents are undergraduate and postgraduate students in Surabaya, students born in 1997-2012, and active users of social media