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All Journal Jurnal Mirai Management Journal of Economic, Bussines and Accounting (COSTING) Adi Widya : Jurnal Pengabdian Masyarakat Jurnal Aplikasi Bisnis JURNAL EDUCATION AND DEVELOPMENT JURNAL MUTIARA AKUNTANSI Value: Jurnal Manajemen dan Akuntansi Global Financial Accounting Journal Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Mattawang: Jurnal Pengabdian Masyarakat Interdisciplinary Social Studies JCOMENT (Journal of Community Empowerment) Jurnal Pengabdian Masyarakat Bestari (JPMB) Dedikasi: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Innovative: Journal Of Social Science Research Majalah Ilmiah METHODA Dinamika Sosial: Jurnal Pengabdian Masyarakat Dan Transformasi Kesejahteraan
Paramitalaksmi, Ratri
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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Gen Z and Millenial Challenges: Personal Finance on Digital Age Paramitalaksmi, Ratri; Budiantara, Martinus
Innovative: Journal Of Social Science Research Vol. 5 No. 1 (2025): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v5i1.17787

Abstract

The purpose of this study is to find differences in factors that affect Personal Finance, including Financial Literacy and Financial Technology Inclusion between Gen Z and Millennials, especially in the Special Region of Yogyakarta. The population in this study is Gen Z and Millennials in the Special Region of Yogyakarta. The data used is primary data the form of questionnaire results and in-depth interviews with Gen Z and Millennials, Yogyakarta. The data processing in this study uses SPSS. The results of this study show that Financial Literacy and Lifestyle of Millennials and Gen Z have a significant influence on their Personal Finance, but Financial Technology Financial Inclusion does not have a significant influence on their Personal Finance. This research is important to understand what factors influence the younger generation in managing their personal finance, especially in this digital era where there are many challenges in managing personal finance.
Financial Literacy Level of Students Majoring in Accounting, Mercu Buana University of Yogyakarta Paramitalaksmi, Ratri
Interdisciplinary Social Studies Vol. 1 No. 4 (2022): Reguler Issue
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/iss.v1i4.91

Abstract

Background: The implementation of education in improving understanding of finance in the community, especially students, is needed. Financial literacy is very closely related to financial management where the higher the financial literacy of an individual, the better his/her financial management. Aim: This research aimed to analyze the level of financial lliteracy of accounting students in Mercu Buana University of Yogykarta. Method: This study took a sample of 100 students of the Department of Accounting, Faculty of Economics, Mercu Buana University of Yogyakarta class 2019-2021. Data collection using Google Form instruments distributed to 100 respondents. Descriptive analysis method to get an overview of the level of financial literacy of students of the Department of Accounting, Faculty of Economics, Mercu Buana University of Yogyakarta class 2019-2021. Findings: From the above results, the financial literacy of students of the Department of Accounting, Faculty of Economics, Mercu Buana University of Yogyakarta is in the moderate category, namely students have knowledge and are quite skilled in managing their personal finances.
Implementasi Pencatatan Keuangan Sederhana dan Digitalisasi Pemasaran Digital pada UMKM Laundry di Dusun Gatak Al Nufus, Hafiz; Paramitalaksmi, Ratri
Dinamika Sosial : Jurnal Pengabdian Masyarakat dan Transformasi Kesejahteraan Vol. 2 No. 4 (2025): Desember : Dinamika Sosial : Jurnal Pengabdian Masyarakat dan Transformasi Kese
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/dinsos.v2i4.2554

Abstract

The mentoring program was implemented to address issues related to the low practice of financial recordkeeping and the suboptimal utilization of digital marketing among Aisyah Laundry MSMEs in Dusun Gatak. The objective of this activity was to implement a simple financial recording system, build a basic understanding of the separation between personal and business finances, and introduce digital marketing strategies aimed at enhancing business management effectiveness. The methods employed included a participatory approach through initial condition observation, socialization of the benefits of recordkeeping, training in the use of simple bookkeeping formats, digital content training, and outcome evaluation. The results demonstrated a significant improvement in the regularity of daily transaction recording, administrative skills, and the establishment of a more systematic financial management pattern. In the marketing aspect, activation of the business’s Instagram account contributed to expanded service information outreach, increased customer interest, and a shift in the business owner's perspective regarding the importance of digital media. These findings affirm that hands-on mentoring is effective in improving financial and digital literacy among MSMEs and in encouraging sustainable changes in business behavior.
PENGARUH LITERASI KEUANGAN, GAYA HIDUP DAN PENGELOLAAN KEUANGAN PADA KARYAWAN GEN Z BIDANG SWASTA DALAM PENGAMBILAN KEPUTUSAN KREDIT PERUMAHAN (KPR) Sajidah, Kholilah; Paramitalaksmi, Ratri
Jurnal Education and Development Vol 14 No 1 (2026): Vol 14 No 1 Januari 2026
Publisher : Institut Pendidikan Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37081/ed.v14i1.7728

Abstract

Studi peneliti berorientasi dalam menganalisis pengaruh literasi keuangan, gaya hidup, dan pengelolaan keuangan berkenaan keputusan pengambilan Kredit Pemilikan Rumah (KPR) pada karyawan Generasi Z di area swasta. Latar belakang studi peneliti bertumpu pada tingginya keperluan terkait rumah layak huni di tengah keterbatasan pendapatan serta perilaku konsumtif generasi muda. Metode penelitian yang diimplementasikan ialah pendekatan kuantitatif dengan desain eksplanatif. Data primer diraih melalui pendistribusian kuesioner secara daring kepada informan Generasi Z yang bekerja di sektor swasta dan dianalisis memanfaatkan regresi linier berganda berdasar skema SPSS versi 30. Hasil penelitian menyiratkan jika literasi keuangan, gaya hidup, dan pengelolaan keuangan berpengaruh secara simultan terhadap keputusan pengambilan KPR. Secara parsial, literasi keuangan dan pengelolaan keuangan memegang imbas konstruktif dan menonjol, sedangkan gaya hidup menyiratkan imbas destruktif terhadap keputusan pengambilan KPR. Nilai koefisien determinasi (R²) menyiratkan bahwa ketiga variabel independen mampu menguraikan beberapa variasi keputusan pengambilan KPR, sementara sisanya dikontrol oleh aspek lain di luar model. Fakta studi menekankan krusialnya pengoptimalan literasi dan manajemen keuangan di kalangan Generasi Z guna menopang keputusan finansial yang bijak, khususnya dalam perencanaan kepemilikan rumah.
Co-Authors Airawaty, Diana Al Nufus, Hafiz Andi Candra, Yudas Tadius Aprilia, Angeline bakade, Salwa Indah Susilawati Januartha, Fulgentius Lambertus Maharani, Desak Putu Martinus Budiantara, Martinus Meo, Maria Yunita Naja Restiana, Diva Nugraeni Nugraeni Omenu, Roberto B. T. Paga, Agnes Kristiana Papa, Yohanes Rivaldo Saru Raindra, Nadya Nur Rochmad Bayu Utomo Sajidah, Kholilah Syahputra, Adji Titik Desi Harsoyo, Titik Desi Tutut Dewi Astuti Wende, Maria Emerlinda Widyastuti, Riris Retno Wulandari, Umi Yusriva, Salma