PENGARUH MINDSET INVESTASI GEN Z UNTUK MENCAPAI FINANSIAL FREEDOM
M. Arsyada Zamzami Allatif
Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
Fasha Septia Ardiansyah
Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
M. Ifham Salafi
Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
M. Fairuz Rosyid
Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
Keywords:
aims to examine, investment mindset, finacial freedom, generation Z
Abstract
This study aims to examine the effect of an investment mindset on achieving financial freedom among Generation Z. Amidst the rise of digital investment trends, many Gen Z individuals actually remain financially vulnerable. This study employed a quantitative approach by collecting data from 100 Gen Z respondents predominantly university students aged 18–20 in Central Java through purposive sampling and simple linear regression analysis. Hypothesis testing results indicate that an investment mindset does not significantly affect the achievement of financial freedom, evidenced by a significance value of 0.768 (> 0.05) and a very low coefficient of determination of 0.1% (0.001). These findings indicate that investment awareness alone is not enough to drive financial freedom without being supported by other more dominant factors, such as active income, financial management behavior, and lifestyle control. Practically, this research emphasizes the importance for Gen Z to focus on fundamental cash flow management and increasing income, rather than merely participating in investment trends
