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"ABSTRACTFinancial literacy is one of the relevant facts in improving the economy. The purpose of this study was to examine the influence of demographic factors (i.e., marital status, education level, income, and age) and financial socialization agent on financial literacy. Using online and offline questionnaire survey from 100 respondents in Surabaya, East Java, and the study revealed that education level, personal income, and financial socialization agent, give the positive effect, while the marital status and age does not affect financial literacy. This result implies that the government can focus on educating the development and improvement of financial literacy for the society. It is believed to be a step forward in practicing financial planning from an early age to solve problems with financial management using financial knowledge, financial attitude, and financial behavior."

"Penelitian ini bertujuan untuk mengetahui pengaruh dari Financial Socialization dan Financial Literacy terhadap Financial Well-Being dengan peran Financial Behavior sebagai yang mediasi. Penelitian menggunakan sampel karyawan swasta tingkat staf dan staf senior berdomisili di Jakarta, Bogor, Depok, Tangerang, dan Bekasi (Jabodetabek) berusia 21-35 tahun. Jumlah responden terkumpul pada penelitian ini sebanyak 251 responden. Penelitian diolah menggunakan metode Structural Equation Modeling dan software PLS-SEM. Hasil penelitian menunjukkan bahwa Financial Skills, Financial Self-Efficacy, dan Financial Behavior memiliki pengaruh positif terhadap Financial Well-Being. Financial Socialization, Financial Knowledge, Financial Skills memiliki pengaruh tidak langsung secara positif terhadap Financial Well-Being melalui Financial Behavior sebagai mediasi. Saran dan implikasi manajerial akan dijelaskan selanjutnya.

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This study aims to determine the effect of Financial Socialization and Financial Literacy on Financial Well-Being with the role of Financial Behavior as a mediation. The study used a sample of staff-level private employees and senior staff living in Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek) aged 21-35 years. The number of respondents collected in this study were 251 respondents. The research was processed using the Structural Equation Modeling method and PLS-SEM software. The results of the study show that Financial Skills, Financial Self-Efficacy, and Financial Behavior have a positive impact on Financial Well-Being. Financial Socialization, Financial Knowledge, Financial Skills have a positive indirect impact on Financial Well-Being through Financial Behavior as mediator. Managerial suggestions and implications will be explained next."

"Penelitian ini dilatarbelakangi oleh adanya berbagai permasalahan dan fenomena keuangan yang dirasakan oleh Gen Z dan Gen Milenial. Penelitian ini bertujuan untuk memahami pengaruh berbagai faktor terhadap financial behaviour (FB) dan financial satisfaction (FS) individu di Jabodetabek. Penelitian ini dilakukan melalui tinjauan literatur yang diikuti dengan penyusunan kuesioner berdasarkan skala likert terkait FS. Data diperoleh dari 200 responden di Jabodetabek melalui kuesioner yang diisi secara mandiri dan dianalisis menggunakan Partial Least Square Structural Equation Modeling (PLS-SEM) untuk menguji model yang dihipotesiskan terkait FB dan FS individu. Hasil penelitian menunjukkan bahwa financial attitude (FA), financial socialization (FSOC), dan financial self-efficacy (FSE) berpengaruh signifikan terhadap FB. Selain itu, FA dan FB berpengaruh signifikan terhadap FS. Namun, FSOC dan FSE ditemukan tidak berpengaruh signifikan terhadap FS. Studi ini berkontribusi memberikan perspektif baru terkait FB dan FS yang mana hasilnya diharapkan dapat membantu OJK dalam merancang kebijakan dan program ekonomi inovatif untuk meningkatkan FS individu.

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This research is motivated by various financial problems and phenomena experienced by Gen Z and Gen Millennials. This research aims to understand the influence of various factors on financial behavior (FB) and financial satisfaction (FS) of individuals in Jabodetabek. This research was carried out through literature observation followed by preparing a questionnaire based on a Likert scale related to FS. Data was obtained from 200 respondents in Jabodetabek through questionnaires filled out independently and analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM) to test the hypothesized model regarding individual FB and FS. The research results show that Financial Attitude (FA), Financial Socialization (FSOC), and Financial Self-Efficacy (FSE) have a significant effect on FB. In addition, FA and FB have a significant effect on FS. However, FSOC and FSE were found to have no significant effect on FS. This study provides a new perspective regarding FB and FS, the results of which are expected to help OJK in designing innovative economic policies and programs to improve individual FS."