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All Journal Journal of Accounting Science Surya Abdimas PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Bisnis dan Akuntansi BALANCE: Economic, Business, Management and Accounting Journal JASF (Journal of Accounting and Strategic Finance) Academia Open Indonesian Journal of Law and Economics Review Procedia of Social Sciences and Humanities Indonesian Journal of Islamic Studies Prosiding University Research Colloquium West Science Interdisciplinary Studies Abdimas Mandalika West Science Interdisciplinary Studies Journal of Economics and Economic Policy International Journal of Business, Law and Political Science
Nihlatul Qudus Sukma Nirwana
Universitas Muhammadiyah Sidoarjo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Physics Public Health Social Sciences Other

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Journal : West Science Interdisciplinary Studies

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Analysis of Minimalist Consumption Behavior and Financial Goal Orientation as Predictors of Long-Term Savings Discipline and Budgeting in Generation Z in Jakarta Herlin, Faradilla; Sukma Nirwana, Nihlatul Qudus; Supriandi, Supriandi
West Science Interdisciplinary Studies Vol. 3 No. 06 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i06.1984

Abstract

This study explores the influence of minimalist consumption behavior and financial goal orientation on budgeting practices and long-term savings discipline among Generation Z in Jakarta. Using a quantitative approach, data were collected from 150 respondents via a Likert-scale questionnaire and analyzed using Structural Equation Modeling - Partial Least Squares (SEM-PLS). The findings reveal that financial goal orientation and minimalist consumption behavior significantly impact both budgeting and savings discipline. High R2 and Q² values confirm the model’s explanatory and predictive relevance. The results underscore the importance of promoting financial goal-setting and minimalist behaviors to enhance financial management practices in Generation Z. Practical and theoretical implications are discussed, with recommendations for policymakers and educators to design targeted financial education programs.
Co-Authors Abdul Gaffar Ainindya, Ninik Ruma'isya Almaidah, Riza Amanda, Silvia Arista, Sintha Wahyu Candrawati, Clarisa Ika Clarisa Ika Candrawati Detak Prapanca Dewi, Widya Kusuma Dioventa, Ambar Duwi Rahayu Ernandi, Herman Fafarita , Alliansi Wulan Firnata, Tifani Angga Isnaini Jaziroh, Wardatul Mahendra, Danar Putra Mariani, Anti Maulidiyah , Eva Dwi Melawati , Hana Oktavia Melinda Ibrahim Misti Hariasih Muhammad Ichsan Gaffar Mulyanti , Sasa Nilam Sari Nur Ravita Hanun Pradasiwi, Arda Walika Puspita Handayani Rahayu , Ruci Arizanda Ramadani, Gesti Novi Reswari , Anis Arista Ruci Arizanda Rahayu Sarwenda Biduri Setyaningrum, Intan Sigit Hermawan Sri Handayani Sumartik Supriandi Supriandi, Supriandi Syamsiar, Syamsiar Tri Yuda Lesmana Wulandari, Indah Apriliana Sari Yanik Purwanti