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All Journal AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Priska Alysia Putri
Universitas Kristen Teknologi Solo
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Fenomenologi Gaya Hidup Frugal Living: Analisis Peran Media Sosial, Penggunaan E-Wallet, dan Strategi Pengelolaan Keuangan di Era Digital Priska Alysia Putri; Kristyana Dananti
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 6 No. 3 (2026): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v6i3.2129

Abstract

This study explores the implementation of frugal living among migrant students in the digital era, particularly in relation to social media exposure and e-wallet usage. The research aims to understand how students interpret frugal living and develop financial management strategies while living independently. A qualitative phenomenological approach was employed, involving six migrant students at Universitas Kristen Teknologi Surakarta who had practiced frugal living for at least two years. Data were collected through in-depth interviews, participatory observation, and documentation, then analyzed using reflexive thematic analysis. The findings indicate that frugal living is perceived as a conscious effort to prioritize needs over wants rather than merely reducing spending. Social media has a dual role: it provides financial education and inspiration for a simple lifestyle, yet also encourages consumptive behavior through trends, influencers, and fear of missing out (FoMO). E-wallets similarly function as both financial control tools and triggers for impulsive purchases due to transaction convenience and promotional features. The study further reveals that self-control is more decisive than financial literacy in maintaining consistent frugal behavior. Over time, frugal living evolves from a survival strategy into a chosen lifestyle that supports financial stability and psychological well-being among migrant students.
Co-Authors Kristyana Dananti