Wildan, Mochamad (2025) Pengaruh Faktor TOE (Technology-Organization-Environment) terhadap Pengelolaan Keuangan Pribadi Generasi Z di Gresik. Undergraduate thesis, UPN Veteran Jawa Timur.
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Abstract
In today's digital era, access to digital financial tools is increasingly easy, but there are still many individuals, especially Generation Z, who do not have adequate financial literacy, so that their personal financial management is less than optimal. This study aims to analyze the influence of Technology, Organization, and Environment (TOE) factors on the personal financial management of Generation Z in Gresik. This study uses a quantitative method with a survey approach, involving 127 respondents who attended schools in Gresik and Kebomas Districts. Data were collected through questionnaires and analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method. The results showed that all independent variables had a positive and significant effect on personal financial management, with Environment having the largest influence (path coefficient 0.585), followed by Technology (0.321) and Organization (0.201). These results confirm that social environmental support, such as family and community, plays a major role in increasing Generation Z's financial awareness.
| Item Type: | Thesis (Undergraduate) | ||||||||
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| Subjects: | H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance. Corporation finance | ||||||||
| Divisions: | Faculty of Economic > Departement of Accounting | ||||||||
| Depositing User: | Mochamad Wildan | ||||||||
| Date Deposited: | 18 Mar 2025 04:27 | ||||||||
| Last Modified: | 18 Mar 2025 04:27 | ||||||||
| URI: | https://repository.upnjatim.ac.id/id/eprint/35857 |
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