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Mayasari Mayasari
Education Of Economic Study Progam, FKIP, Universitas Jambi, Jambi, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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PENGALAMAN GENERASI Z DALAM MENGHADAPI PENGELOLAAN KEUANGAN DI TENGAH BUDAYA KONSUMERISME DIGITAL (STUDI FENOMENOLOGI SISWA SMAN 12 KOTA JAMBI) Bintang Kesuma; Mayasari Mayasari; Ahmad Rifki
Jurnal Manajemen Pendidikan Vol. 11 No. 3 (2026): Regular Issue (In Progress)
Publisher : STKIP Pesisir Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34125/jmp.v11i3.2343

Abstract

Objective: This study aims to describe the experiences of Generation Z students in managing their personal finances amid a culture of digital consumerism, as well as to identify the barriers and efforts students make in managing their finances at State High School 12 in Jambi City. Method: This study employs a qualitative approach using the phenomenological method. Data were collected through in-depth interviews, observations, and documentation, with students serving as the primary informants. Data analysis was conducted using the Miles and Huberman interactive analysis model, which includes data reduction, data presentation, and drawing conclusions. Results: The results of the study indicate that students’ experiences in managing their finances are still influenced by the pervasive digital consumerism culture, such as impulsive spending behavior, using money for lifestyle purposes, as well as the influence of social media and digital trends. Some students do not yet have good financial planning habits, such as tracking expenses and creating a budget. Major barriers include low financial literacy, the influence of the social environment, the ease of digital transactions, and psychological factors such as the fear of missing out (FOMO). However, some students are beginning to demonstrate positive efforts, such as saving, limiting spending, and prioritizing needs. Novelty: This study offers a phenomenological perspective on the real-life experiences of Generation Z students in financial management in the digital age.
Co-Authors A. Nururrochman Hidayatulloh Agung Sutoto Ahmad Rifki Akbar Torihot Tampubolon Ali Idrus Arpizal Aspita Dyah Fajarsari Bintang Kesuma Dara Mutiara Aswan Dearti Dearti Desak Nyoman Sri Werastuti Desak Eko Wahyono Elfrida Sinambela Elisa Pitri Elisabet Horida Pasaribu Ervan Johan Wicaksana Fachruddiansyah Muslim Fadila Ulfah Failasofah Failasofah Ikalius Ikalius Indah Kesuma Indah Sari Juliana Carolina Kilmanun Karisma Nurul Afiyati Kayla Dwi Arifki Lusiana Wulandari MASBIROROTNI - Muazza Muazza Noviatri Indah Puspita Sari Nunung Fajaryani Nurhikmah Nurhikmah Pikri Pikri Purwanti Putra, Iwan Eka Putri Gagan Ratna Herawati Emosda Refnida, Refnida Reny Heryanti Revis Asra Rizka Wahyuni Amelia Romi Kurniadi Rosmiati Rosmiati Rosmiati Rosmiati Rumanintya Lisaria Putri Simaremare, Tohap Pandapotan Siti Syuhada Siti Syuhada Sriyono Sudawan Supriadi Tri Wahyu Hardaningrum Wahyu Indah Dewi Aurora Yaldi , Destri Zulqarnain Zulqarnain