Locus of Control and Its Influence on Generation Z’s Financial Management in Malang

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Financial knowledge significantly improves personal financial management in Generation Z, showing a positive relationship.
Directly influencing locus of control, financial attitude does not impact personal financial management significantly.
Assessment using Structural Equation Modeling highlights the mediating role of locus of control in financial outcomes.
Results suggest that enhancing financial literacy could lead to better financial decisions and stability for Generation Z.

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Quantitative analysis reveals financial knowledge enhances personal financial management in Generation Z, suggesting locus of control is vital.

Navilla et al. (2025) studied this question.

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Quantitative analysis reveals financial knowledge enhances personal financial management in Generation Z, suggesting locus of control is vital.