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All Journal International Journal of Evaluation and Research in Education (IJERE) Jurnal Pendidikan Humaniora Ekuitas: Jurnal Pendidikan Ekonomi Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan JAM : Jurnal Aplikasi Manajemen Proceeding SENDI_U Jurnal Pendidikan Ekonomi Jurnal Ekonomi dan Studi Pembangunan (Journal of Economics and Development Studies) UNEJ e-Proceeding Jurnal Pendidikan: Teori, Penelitian, dan Pengembangan Jurnal Ilmiah Pendidikan Pancasila dan Kewarganegaraan Jurnal Pendidikan Ekonomi Al Ishlah Jurnal Pendidikan Jurnal Pendidikan Ekonomi & Bisnis Jurnal Ilmiah Universitas Batanghari Jambi JURNAL MANAJEMEN CARADDE: Jurnal Pengabdian Kepada Masyarakat Jambura Economic Education Journal Perspektif Pendidikan dan Keguruan Jurnal Eduscience (JES) Jurnal Karinov EDUTEC : Journal of Education And Technology Amnesty: Jurnal Riset Perpajakan Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) Agrimansion: Agribusiness Management & Extension International Journal of Economy, Education and Entrepreneurship (IJE3) Journal of Interdisciplinary Socio-Economic and Community Study Journal of Applied Business, Taxation and Economics Reseach International Journal of Humanities Education and Social Sciences TRANSAKSI Journal of Educational Analytics Literacy : International Scientific Journals of Social, Education, Humanities Transformasi: Journal of Economics and Business Management Journal Research of Social Science, Economics, and Management Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) International Journal of Education, Language, Literature, Arts, Culture, and Social Humanities Ekuitas Jurnal Pnedidikan Ekonomi Economic Development Analysis Journal International Journal of Economics, Business and Innovation Research Dinamika Pendidikan Balance: Jurnal Ekonomi Jurnal Ekonomi dan Studi Pembangunan (JESP)
Sugeng Hadi Utomo
Universitas Negeri Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Journal : Jurnal Eduscience (JES)

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FINANCIAL SOCIALIZATION AMONG GENERATION Z: HOW CHILDREN OF MILLENNIAL PARENTS INTERNALIZE MONEY VALUES Hidayat, Taufiq; Wahjoedi, Wahjoedi; Wahyono, Hari; Utomo, Sugeng Hadi
JURNAL EDUSCIENCE Vol 13, No 1 (2026): Jurnal Eduscience (JES), (Authors from Australia, Taiwan, and Indonesia)
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jes.v13i1.8403

Abstract

Purpose – This study aims to explore how Generation Z in East Java interprets and internalises financial values transmitted by millennial parents amid the dominance of digital technology and social media. Specifically, it examines how family financial teachings are renegotiated in the context of digital algorithms, peers, and contemporary consumer culture.Methodology – A qualitative phenomenological approach was employed to explore Gen Z's lived experiences of financial socialization. Data were gathered through semi-structured interviews with 25 Gen Z individuals and several millennial parents. Interpretative Phenomenological Analysis (IPA) was used to generate themes and interpret meaning-making processes across cases.Findings – Four primary themes were discerned: (1) parental modeling, wherein daily financial routines cultivated prudence and budgeting skills; (2) financial conversations, characterized by dialogic negotiation that promoted reasoning and deferred gratification; (3) digital finance negotiation, where participants integrated parental norms with fintech practices, resulting in hybrid financial values; and (4) identity and social comparison, illustrating the tensions between familial values and social media-induced lifestyle pressures.Contribution – Financial value internalization among Indonesian Gen Z is both intergenerational and sociotechnical. The findings point out the need for financial education that integrates digital literacy, awareness of algorithmic influence, and strategies to manage social comparison pressures.
Co-Authors Abbas, Muhammad Hasyim Ibnu Adinda, Itroh Agung Haryono Agung Nugroho Agus Hermawan Agus Saifuddin Agus Sumanto Agus Sumanto Agus Wibowo Aida Nurcholida Akbarti Na'ima Akhmad Syafi’i Andika Nikita Sari Andisa, Wangi Rizky Andri Eko Prabowo Anisa Retno Setyaningsih Arif Amrullah Arista Elok Dwi Rangga Ashif Chumaida Sari Ayu Kammawati Bagus Shandy Narmaditya Bambang Sugeng Budi Eko Soetjipto Cipto Wardoyo Cristian Polamolo Delta Ananda Arga Putra Detria Fauziyah Pramesti Dian Fatmala Diandra Locita Sari Djoko Dwi Kusumojanto Dwi Wulandari Dwi Wulandari Eka Ramadanti Elanna Heidi Christanti Emma Yunika Puspasari Eny Eko Sulistyowati Ermita Yusida Ery Tri Djatmika Etty Soesilowati Farel Ilham Pamungkas Farida Rahmawati Farida Rahmawati Farida Styaningrum Fera Wulandari Fuat’dah, Devit Anisatul Hadi Sumarsono Hari Wahyono Imam Mukhlis Kholidya Khulafaur Rosidah Khuzaimah, Rizka Binti Linda Seprillina Lisa Rokhmani Ludi Wishnu Wardana Lustina Fajar Prastiwi Lutfi Asnan Qodri Martha Hendrati, Ignatia Meilysianawati, Vaya Metha Eldiana Mit Witjaksono Mufinna Fauziyah Na'ima, Akbarti Nadiminsyah Nasikh Nasikh Nasikh Nisa Nuraini Surasa Nugrahaningtyas, Andien Nunuk Suryanti Nurhuda Nurhuda Oktavia Nardiani Özlem Sökmen Gürçam Pamungkas, Farel Ilham Pangestu, Fajar Puja Prihatini, Hikmah Tri Qofifah, Salmaa Nur Qurrata, Vika Annisa Rahma Sandhi Prahara Remond Joey Paywala Romadhini, Shofi Ana Santi Merlinda Sapir Sapir Sari, Ashif Chumaida Sari, Diandra Locita Sidi Muhammad Muadz dzin Asis Hawaya Sidi Muhammad Muadz-dzin Asis Hawaya Siti Muslihah Siti Suprihatin Sri Umi Mintarti Sulistyowati, Nur Wahyuning Sunaryanto Tamat Sarmidi Taufiq Hidayat Thomas Soseco Tri Mianto Dion Prasetiyo Tu Rifton Bagus Priyambada Vidya Purnamasari Wahjoedi Wahjoedi Wahjoedi Wahjoedi Wahyu Rizki Aris Suseno Winda Aprillia Wulandari, Ela Yuli Soesetyo, Yuli