ANALISIS FINANCIAL BEHAVIOUR, FINANCIAL LITERACY DAN SELF CONTROL TERHADAP FINANCIAL RESILIENCE KARYAWAN GENERASI Z DENGAN PATRIOTISM SEBAGAI VARIABEL MODERASI

Rosyidah, Lina (2026) ANALISIS FINANCIAL BEHAVIOUR, FINANCIAL LITERACY DAN SELF CONTROL TERHADAP FINANCIAL RESILIENCE KARYAWAN GENERASI Z DENGAN PATRIOTISM SEBAGAI VARIABEL MODERASI. Masters thesis, UPN Veteran Jatim.

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Abstract

This study aims to analyze the influence of financial behaviour, financial literacy, and self control on the financial resilience of Generation Z employees in Surabaya, as well as to examine the role of patriotism as a moderating variable. The phenomenon of financial vulnerability among young urban workforces amidst the high cost of metropolitan living in Surabaya underlines the importance of building daily economic defense capacity. This research implemented a quantitative approach through survey method. Primary data collection was conducted online by distributing a Likert-scale digital structured questionnaire to 166 respondents of Generation Z employees residing and working in Surabaya. The sampling technique utilized simple random sampling. The collected data were analyzed empirically using Partial Least Squares-Structural Equation Modeling (PLS-SEM) via SmartPLS 4.0 software. The findings indicated that partially, financial behaviour, financial literacy, and self-control had positive and significant effects on shaping the financial resilience of Generation Z employees in Surabaya. The self-control variable proved to be the strongest and most dominant in constructing the financial resilience of Generation Z employees. Conversely, the interaction effect test confirmed that patriotism had no direct effect and failed to moderate the relationship between financial behaviour, financial literacy, and self-control on financial resilience. Economic nationalism among urban Generation Z tended to stall merely as an abstract consciousness and experienced a functional bias due to the stringency of short-term self-survival motives in personal cash management. This study contributes a conceptual novelty by recommending future research to position patriotism as a mediator variable in the financial behavior model.

Item Type:

Thesis (Masters)

Contributors:

Contribution	Contributors	NIDN/NIDK	Email
Thesis advisor	Yuhertiana, Indrawati	NIP196610171993032001	yuhertiana@upnjatim.ac.id
Thesis advisor	Sundari, SIti	NIP196308121990032001	sitisundari.ak@upnjatim.ac.id

Subjects:

H Social Sciences > HC Economics

Divisions:

Faculty of Economic and Business > Magister Accounting

Depositing User:

Unnamed user with email 23062020018@student.upnjatim.ac.id

Date Deposited:

10 Jul 2026 02:29

Last Modified:

10 Jul 2026 02:50

URI:

https://repository.upnjatim.ac.id/id/eprint/54976