Published: 2025-10-01
Studi Pola Konsumsi dan Literasi Keuangan Mahasiswa Generasi Z
DOI: 10.35870/jemsi.v11i5.5037
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Abstract
Generation Z as digital natives exhibit unique characteristics in consumption patterns and financial literacy that differ from previous generations. This study explores how STIEPARI Semarang students as Generation Z representatives manage finances and make consumption decisions in the digital era. To analyze consumption patterns and financial literacy levels among Generation Z students at STIEPARI Semarang and identify factors influencing their financial behavior. Qualitative research with phenomenological approach using semi-structured in-depth interviews with 20 STIEPARI Semarang students selected through purposive sampling. Findings indicate that Generation Z students demonstrate high digital financial literacy but still experience difficulties in distinguishing between needs and wants. Consumption patterns are dominated by digital spending and strongly influenced by social media. Financial literacy programs adapted to digital native characteristics are needed to improve financial management capabilities among Generation Z students.
Keywords
Financial Literacy ; Consumption Patterns ; Generation Z ; Digital Financial Behavior
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
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Issue: Vol. 11 No. 5 (2025)
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Section: Articles
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Published: %750 %e, %2025
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License: CC BY 4.0
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Copyright: © 2025 Authors
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DOI: 10.35870/jemsi.v11i5.5037
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Zudirman Hulu
Program Studi Manajemen, Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia, Semarang, Indonesia.
Krisnawati Setyaningrum Nugraheni
Program Studi Manajemen, Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia, Semarang, Indonesia.
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