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All Journal JURNAL PENDIDIKAN EKONOMI: Jurnal Ilmiah Ilmu Pendidikan, Ilmu Ekonomi dan Ilmu Sosial eCo-Buss Jurnal Ilmiah Akuntansi Kesatuan International Journal of Finance Research International Journal of Community Service & Engagement Operations Research: International Conference Series Jurnal Locus Penelitian dan Pengabdian Jurnal Ilmiah Mahasiswa (JIMAWA) Journal of Artificial Intelligence and Digital Business Digital Business Tren Bisnis Masa Depan Innovative: Journal Of Social Science Research Journal of Accounting Inaba Inaba of Community Services Journal INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen
Febriyanti, Diah
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Aerospace Engineering Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Journal : Operations Research: International Conference Series

 1 
Generational Analysis of Financial Decision- Making Among Gen-X, Gen-Y, and Gen-Z Sudaryo, Yoyo; Suryaningprang, Andre; Sumawidjaja, Riyandi Nur; Febriyanti, Diah; Zulfiqar, Mochammad
Operations Research: International Conference Series Vol. 6 No. 3 (2025): Operations Research: International Conference Series (ORICS)
Publisher : Indonesian Operations Research Association (IORA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47194/orics.v6i3.397

Abstract

This study aims to examine the influence of demographic factors on the financial decision-making behavior of three generational cohorts Gen-X, Gen-Y, and Gen-Z in urban Indonesia, focusing on Jakarta, Bandung, and Surabaya. Using a quantitative approach, data were collected through an online survey with 381 respondents and analyzed using ANCOVA and Kruskal- Wallis tests. The findings reveal that income significantly impacts financial decision-making, with higher-income individuals making more informed choices. Women and Gen-Y demonstrate stronger saving discipline and cost-optimization strategies, while city- specific patterns highlight differences in financial behaviors, such as timely payments and discount awareness. Gender and occupation show no significant overall effects, though some variations exist in specific behaviors. These results provide theoretical insights into behavioral accounting, particularly in understanding the role of income and demographic contexts in shaping financial behaviors. Practically, the study informs financial advisors and policymakers to design tailored education and advisory programs for different demographic groups. The study offers a novel contribution by utilizing ribbon chart visualizations to uncover intergenerational and intercity financial behavior patterns in Indonesia.
Co-Authors Andre Suryaningprang Arief Yulianto Athallah, Squall Fikri Chaidir, Moehammad Ilham Dayona Ismail, Gurawan Ekanesia, Pratidina Febrianti, Risma Ferry Kosadi Firdaus, Muhammad Al Rizal Hakim Natigor Sipahutar, Dayan Hamdani, Deni Jauhary, Zakiyah Aulia Sabrina Hanifah Karunia Antika, E Landitha Lestari, Dinda Liana, Natalia Luahambowo , Nuryah Jasmine Melanie Melanie, Melanie Nur Sumawidjaja, Riyandi Octaviani, Vina Palupi Permata Rahmi Riyandi Nur Sumawidjaja Septiani, Rezy Christine Setiawati, Lutfi Situngkir, Siska Silvia M. Sugiantoro, Dwi Surachman Surjaatmadja Susila Nengsih, Santi Syarif , Devyanthi Syarif, Devyanthi Tjipto Sajekti Widjaya, Rizky Yoyo Sudaryo Zulfiqar, Mochammad