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All Journal Community Development Journal: Jurnal Pengabdian Masyarakat Academia Open Journal of Community Development Journal of Social Outreach MIMBAR INTEGRITAS Jurnal Aplikasi Sistem Informasi dan Elektronika Journal of Information Systems Management and Digital Business Jurnal Pengabdian Masyarakat Manage ABDIMASTEK Jurnal Penelitian IPTEKS At-Tasharruf: Jurnal Ekonomi dan Bisnis Syariah Proceeding of International Conference on Social Science and Humanity
Zakiyyah, Amalina Maryam
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Journal : Jurnal Penelitian IPTEKS

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Clustering Analysis on Financial Literacy, Digital Literacy, and Digital Financial Literacy of Emerging Adults (Gen Z) Investors in Rural East Java Zakiyyah, Amalina Maryam
Jurnal Penelitian IPTEKS Vol. 10 No. 1 (2025): JURNAL PENELITIAN IPTEKS
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/penelitianipteks.v10i1.1901

Abstract

Financial literacy, digital information literacy, and digital financial literacy are essential competencies for young adults in rural Jawa to navigate dynamic economic and technological challenges. This study aims to explore literacy profiles among young adults using cluster analysis. A quantitative method was employed through a survey of 135 respondents from rural areas, followed by cluster analysis to identify distinctive literacy patterns The results reveal five distinct literacy profile classes with unique characteristics. The "Tech Savvy" group demonstrates high digital literacy but low financial literacy, while the "Financial Ace" group excels in financial literacy but requires improvement in digital literacy, along with three other groups exhibiting various combinations of strengths and weaknesses. These findings indicate the need for comprehensive and age-appropriate literacy programs to address the specific needs of each group. The study concludes by emphasizing the importance of targeted educational approaches to enhance financial and digital literacy among young adults in rural Java
Co-Authors Agung Nilogiri Al Faruq, Habibatul Azizah Arifianto, Deni Budi Santoso Dasuki, Moh. Deviyati, Mike Yurike Dita Fadholy, Rizal Agung Gatot Susanto Ginanjar Abdurrahman Lintang Setyo Kurniawati Mardyah Wijayantoro, Savira Ainun Martini G, Ni Nyoman Putu Rahayuningtyas, Dwi Besti Rahman, MIftahur Rahman, Miftahur Ramadhani, Laila Amanda Sahiruddin Sahiruddin Savana, Bella Risma Khailla Septiara, Dhea Intan Subagiono, Yoyok Susbiyani, Arik Umilasari, Reni Wibisono, Yusub Wicaksono, Prayogi