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All Journal JURNAL MANAJEMEN MOTIVASI
Ferry Noviandy
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Strategis Pengelolaan Keuangan pada Keluarga Milenial Ferry Noviandy; Reza Pahlevi; Angga Permadi Kapriana
JURNAL MANAJEMEN MOTIVASI Vol 22 No 2 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i2.9207

Abstract

Financial technology offers opportunities and risks for Millennial household financial management. This study analyzes financial management strategies, technology use, and factors affecting household financial stability. Using a descriptive qualitative design, participants were selected purposively; data were collected through in-depth interviews and analyzed using the Miles, Huberman, and Saldaña model. Millennial families-maintained stability through budgeting, expenditure control, record-keeping, and emergency funds. Their practices were shaped by financial literacy, income, lifestyle, social environment, and technology use. The findings highlight the need to integrate financial literacy, self-control, and prudent technology used to sustain family financial stability. Keywords: Millennials; Family Financial Management; Financial Technology; Financial Literacy; Behavioral Finance; Digital Era; Household Financial Stability
Co-Authors Angga Permadi Kapriana Reza Pahlevi