Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi

Vol. 25 No. 11 (2026): Musytari: Neraca Manajemen, Akuntansi, dan Ekonomi, ISSN 3025-9495
Articles

PENGGUNAAN QRIS, FINANCIAL WELL-BEING, DAN FINANCIAL SELF-EFFICACY PADA GENERASI Z DI KOTA PADANG

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  • Nia Ramadani,
  • Endrawati,
  • Rasyidah Mustika
Nia Ramadani
Politeknik Negeri Padang
Endrawati
Politeknik Negeri Padang
Rasyidah Mustika
Politeknik Negeri Padang

Published 2026-10-03

Keywords

  • QRIS,
  • financial well-being,
  • financial self-efficacy,
  • Generasi Z,
  • penelitian deskriptif

How to Cite

PENGGUNAAN QRIS, FINANCIAL WELL-BEING, DAN FINANCIAL SELF-EFFICACY PADA GENERASI Z DI KOTA PADANG. (2026). Musytari : Jurnal Manajemen, Akuntansi, Dan Ekonomi, 25(11). https://journal.cib.institute/index.php/musytari/article/view/4775

Abstract

Quick Response Code Indonesian Standard (QRIS) telah menjadi bagian dari transaksi sehari-hari Generasi Z, sehingga penggunaan QRIS perlu dipahami dalam kaitannya dengan cara individu mengelola keuangan. Penelitian ini bertujuan mendeskripsikan karakteristik responden, penggunaan QRIS, financial well-being, dan financial self-efficacy pada Generasi Z di Kota Padang. Penelitian menggunakan pendekatan kuantitatif deskriptif melalui survei daring. Data dikumpulkan dengan kuesioner Google Form dari 120 responden berusia 17–29 tahun yang dipilih secara purposive sampling, kemudian dianalisis dengan statistik deskriptif. Penggunaan QRIS diukur melalui indikator manfaat, kemudahan, frekuensi, dan preferensi penggunaan; financial well-being melalui kendali keuangan sehari-hari, kemampuan menghadapi guncangan keuangan, pencapaian tujuan keuangan, dan kebebasan finansial; serta financial self-efficacy melalui keyakinan mengelola keuangan, menghadapi tantangan keuangan, dan mencapai tujuan keuangan. Artikel ini disusun berlandaskan Social Cognitive Theory.
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References

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