Pengaruh Literasi Kewirausahaan, Gaya Hidup, Kemajuan Ai Dan Dukungan Orang Tua Terhadap Kemandirian Finansial Gen Z

Authors

  • Asharryadi Noegroho Universitas Al-Irsyad Cilacap
  • Raden Sumantri Universitas Al-Irsyad Cilacap

Keywords:

financial independence, entrepreneurial literacy, AI advancement, Generation Z, parental support

Abstract

This study aims to analyze the influence of entrepreneurial literacy, AI advancement, lifestyle, and parental support on the financial independence of Generation Z at AL-Irsyad Cilacap University. Using a quantitative approach with a sample of 150 students, data were collected through questionnaires and analyzed using multiple linear regression. The results indicate that simultaneously, all four variables significantly affect financial independence with a determination coefficient of 65.9%. Partially, entrepreneurial literacy emerged as the most dominant factor (β=0.287; sig=0.000), followed by AI advancement (β=0.234; sig=0.001), parental support (β=0.223; sig=0.001), and lifestyle (β=0.187; sig=0.004). These findings suggest that enhancing entrepreneurial competencies, optimizing AI technology, strengthening family support, and controlling lifestyle are crucial pillars in building financial independence among Gen Z. This study recommends the need for integrated programs that combine entrepreneurship education, digital literacy, and family-based approaches to optimize the financial potential of Indonesia's younger generation.

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Published

2025-12-29

Issue

Vol. 7 No. 2 (2025): DECEMBER

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Articles

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Copyright (c) 2025 Asharryadi Noegroho, Raden Sumantri (Author)

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