The Influence of Self-Reward and Peer Support on Personal Financial Management of Generation Z with Financial Literacy as an Intervening Variable

Alya Rahayu; Jurana Jurana; Andi Mattulada; Rahma Masdar

doi:10.59086/jam.v4i2.869

Authors

Alya Rahayu Department of Accounting, Tadulako University
Jurana Jurana Department of Accounting, Tadulako University
Andi Mattulada Department of Accounting, Tadulako University
Rahma Masdar Department of Accounting, Tadulako University

DOI:

https://doi.org/10.59086/jam.v4i2.869

Keywords:

Self-reward , Financial Literacy, Personal Financial Mangement

Abstract

Personal financial management is an important skill that individuals must have, especially Generation Z students who are faced with financial and social challenges. This study aims to analyze the effect of self-reward and peers on personal financial management with financial literacy as an intervening variable. The population in this study were students of the Accounting Study Program at Tadulako University with a sample of 89 respondents determined using proportional stratified random sampling technique. Data collection was carried out through questionnaires and analyzed using the SEM-PLS method with the SmartPLS 4.0 application. The results showed that self-reward and peers have a significant effect on financial literacy and personal financial management. Self-reward and peers affect personal financial management through financial literacy as an intervening variable (partial mediation).

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