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Title: :  FINANCIAL LITERACY, GENDER, AND ACADEMIC ABILITY OF GEN Z STUDENTS OF THE MANAGEMENT STUDY PROGRAM
PaperId: :  27542
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 11 Issue 5 2025
DUI:    16.0415/IJARIIE-27542
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Ni Made SantiniUniversitas Warmadewa
Made PratiwiUniversitas Warmadewa
Ni Made TamansariUniversitas Waramdewa

Abstract

Management
"Financial literacy," gender, academic ability, Gen Z, "Theory of Planned Behavior"
Financial literacy is defined as the combination of awareness, knowledge, skills, attitudes, and behaviors that a person needs to make wise financial decisions and ultimately achieve individual well-being. The importance of financial literacy is emphasized in the midst of the rampant wasteful and consumptive behavior of students supported by the ease of online shopping. This study aims to determine the influence of gender and academic ability on financial literacy in Gen Z students of the Management Study Program. This study uses a descriptive quantitative approach. The theoretical framework used is the Theory of Planned Behavior (TPB), which assumes that individual behavior is influenced by certain resources and abilities, including background factors such as gender and knowledge. The research sample was selected using the purposive sampling method, and the data analysis was carried out using multiple linear regression analysis techniques. Statistical prerequisite testing, including validity, reliability, and classical assumption tests, is used to ascertain the feasibility of the model. The results of the study show that simultaneously, gender factors and academic ability have a significant effect on the level of financial literacy. Similarly, in the partial test, gender and academic ability both have a significant effect on financial literacy. Partial findings indicate that differences between men and women affect the understanding of financial concepts, where men tend to have better literacy and think more carefully in financial decision-making. Meanwhile, high academic ability proves that there is a better ability of students to understand financial concepts, which directly supports their level of financial literacy. These results prove that there is a close relationship between gender and academic ability and the level of individual financial literacy

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IJARIIE Ni Made Santini, Made Pratiwi, and Ni Made Tamansari. "FINANCIAL LITERACY, GENDER, AND ACADEMIC ABILITY OF GEN Z STUDENTS OF THE MANAGEMENT STUDY PROGRAM" International Journal Of Advance Research And Innovative Ideas In Education Volume 11 Issue 5 2025 Page 646-655
MLA Ni Made Santini, Made Pratiwi, and Ni Made Tamansari. "FINANCIAL LITERACY, GENDER, AND ACADEMIC ABILITY OF GEN Z STUDENTS OF THE MANAGEMENT STUDY PROGRAM." International Journal Of Advance Research And Innovative Ideas In Education 11.5(2025) : 646-655.
APA Ni Made Santini, Made Pratiwi, & Ni Made Tamansari. (2025). FINANCIAL LITERACY, GENDER, AND ACADEMIC ABILITY OF GEN Z STUDENTS OF THE MANAGEMENT STUDY PROGRAM. International Journal Of Advance Research And Innovative Ideas In Education, 11(5), 646-655.
Chicago Ni Made Santini, Made Pratiwi, and Ni Made Tamansari. "FINANCIAL LITERACY, GENDER, AND ACADEMIC ABILITY OF GEN Z STUDENTS OF THE MANAGEMENT STUDY PROGRAM." International Journal Of Advance Research And Innovative Ideas In Education 11, no. 5 (2025) : 646-655.
Oxford Ni Made Santini, Made Pratiwi, and Ni Made Tamansari. 'FINANCIAL LITERACY, GENDER, AND ACADEMIC ABILITY OF GEN Z STUDENTS OF THE MANAGEMENT STUDY PROGRAM', International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 5, 2025, p. 646-655. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/FINANCIAL_LITERACY__GENDER__AND_ACADEMIC_ABILITY_OF_GEN_Z_STUDENTS_OF_THE_MANAGEMENT_STUDY_PROGRAM_ijariie27542.pdf (Accessed : 10 November 2025).
Harvard Ni Made Santini, Made Pratiwi, and Ni Made Tamansari. (2025) 'FINANCIAL LITERACY, GENDER, AND ACADEMIC ABILITY OF GEN Z STUDENTS OF THE MANAGEMENT STUDY PROGRAM', International Journal Of Advance Research And Innovative Ideas In Education, 11(5), pp. 646-655IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/FINANCIAL_LITERACY__GENDER__AND_ACADEMIC_ABILITY_OF_GEN_Z_STUDENTS_OF_THE_MANAGEMENT_STUDY_PROGRAM_ijariie27542.pdf (Accessed : 10 November 2025)
IEEE Ni Made Santini, Made Pratiwi, and Ni Made Tamansari, "FINANCIAL LITERACY, GENDER, AND ACADEMIC ABILITY OF GEN Z STUDENTS OF THE MANAGEMENT STUDY PROGRAM," International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 5, pp. 646-655, Sep-Oct 2025. [Online]. Available: https://ijariie.com/AdminUploadPdf/FINANCIAL_LITERACY__GENDER__AND_ACADEMIC_ABILITY_OF_GEN_Z_STUDENTS_OF_THE_MANAGEMENT_STUDY_PROGRAM_ijariie27542.pdf [Accessed : 10 November 2025].
Turabian Ni Made Santini, Made Pratiwi, and Ni Made Tamansari. "FINANCIAL LITERACY, GENDER, AND ACADEMIC ABILITY OF GEN Z STUDENTS OF THE MANAGEMENT STUDY PROGRAM." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 11 number 5 (10 November 2025).
Vancouver Ni Made Santini, Made Pratiwi, and Ni Made Tamansari. FINANCIAL LITERACY, GENDER, AND ACADEMIC ABILITY OF GEN Z STUDENTS OF THE MANAGEMENT STUDY PROGRAM. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2025 [Cited : 10 November 2025]; 11(5) : 646-655. Available from: https://ijariie.com/AdminUploadPdf/FINANCIAL_LITERACY__GENDER__AND_ACADEMIC_ABILITY_OF_GEN_Z_STUDENTS_OF_THE_MANAGEMENT_STUDY_PROGRAM_ijariie27542.pdf
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