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All Journal Cakrawala Pendidikan Jurnal Pendidikan Humaniora Jurnal Ekonomi Modernisasi JPBM (Jurnal Pendidikan Bisnis dan Manajemen) Jurnal Manajemen dan Kewirausahaan (JMDK) Jurnal Pendidikan: Teori, Penelitian, dan Pengembangan Jurnal Pendidikan Ekonomi Al Ishlah Jurnal Pendidikan AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Jurnal Kajian Bahasa, Sastra dan Pengajaran (KIBASP) IJEBD (International Journal Of Entrepreneurship And Business Development) Pendas : Jurnah Ilmiah Pendidikan Dasar Edukasi Islami: Jurnal Pendidikan Islam JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Gulawentah:Jurnal Studi Sosial Jurnal Basicedu Efektor JOURNAL OF APPLIED BUSINESS ADMINISTRATION Jurnal Eduscience (JES) Jurnal Karinov Sustainable: Jurnal Kajian Mutu Pendidikan Jurnal Infomanpro Jurnal Kalacakra Riset Pendidikan Bahasa dan Sastra Indonesia (Repetisi) International Journal of Social Learning (IJSL) International Journal of Global Accounting, Management, Education, and Entrepreneurship (IJGAME2) International Journal of Community Service International Journal of Humanities Education and Social Sciences Jurnal Pembelajaran, Bimbingan, dan Pengelolaan Pendidikan Jurnal Cakrawala Pendas Jurnal Basicedu Kajian Bahasa dan Sastra (KABASTRA) Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Pengabdian Sosial Journal of Innovative and Creativity Indonesian Journal of Education and Learning Jurnal Pendidikan Ilmu Sosial
Hari Wahyono
Universitas Negeri Malang
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Transportation 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 A.A.Ketut Budiastra Achmad Maulana Adyaksa Adira, Fitra Ayu Aditya Eka Trisnawati Agung Haryono Ahmad Noviyanto ANANDA SETIAWAN Andika Putranta Utama Andreansyah, Vicky Ivan Anisa, Ade Rifka Annisa Istiqomah, Annisa Arif Setyawan Aryani Purwaningrum Astari, Nadia Puti Bagus Shandy Narmaditya Bambang Sugeng Barokah, Ahmad Irfan Bayu Permata Budi Eko Soetjipto Cahyo Yusuf Candra Wahyu Arif Adani Cipto Wardoyo Delfiyan Widiyanto Dewi Widiana Rahayu Dewi, Liana Sinta Dhiah Fitrayati Dihqi Alif Setyanto Djoko Dwi Kusumajanto Dwi Hasmidyani Dwi Wulandari Dwiasa Sambhawa Dharma Dzikrina Dian Cahyani Endang Sri Andayani Endras Try Agustina Erma Septiani Ery Tri Djatmika RWW Farida Rahmawati Hadi Sumarsono Hamdani, Rifki Hardining Estu Murdinar Hasyim Ibnu Abbas, Muhammad Heri Pratikto Herpindo Hety Mustika Ani Imam Mukhlis Januar Kustiandi Karolus Suban Waikelak Khoirunnisa Ayu khoirunnisa ayu Kholidya Khulafaur Rosidah Kustitik Kustitik Laurentius Saptono Liana Shinta Dewi Lisa Rokhmani Listyarini, Sri Ludi Wishnu Wardana Luthfiya Fathi Pusposari M. Thoha Ainun N Manek, Alfridus Mau Manik, Yuni Mariani Mareta Bunga Pratiwi Mareta Bunga Pratiwi Mashud Syahroni Masnurul Hidayat Mazidah, Nur Mimi Mulyani Mit Witjaksono Muhammad Daniel Fahmi Rizal Mujahidin Farid Nabilah, Ayu Ni'matul Istiqomah Novita Erliana Sari, Novita Erliana Novitasari Novitasari Nur Anita Yunikawati Nur Astaman Putra Nurhaliza, Julia Najma Oxana Jayawardani PRASETYO, RIYAN Pratama Dewi, Dian Puji Handayati Putra Hilmi Prayitno Putri Rachmadyanti Ragil Retno Palupi Rahma Sandhi Prahara Ratna Nurmasari Ravinesh Rohit Prasad, Ravinesh Rohit Restya Dwi Amalia Riska Pristiani Rizki Listyono Putro Ro'ufah Inayati Rosita Herawati Rustam AR. Selang Sa'dun Akbar Saputri, Pramita Yun Sari, Vina Budiarti Mustika Satrio, Yogi Dwi Setiyowati, Yani Shalima, Irsyadi Siti Maimunah Purnamasari Siti Rosnita Sakarji Sofiah Nada Fauziah Sri Andayani, Endang Sri Handayani Sri Umi Mintarti Sri Untari Subandiyah Azis Sugeng Hadi Utomo Suhartono SULIYONO Sulthan Syifana Sumarmi Surhayanti, Surhayanti Suyadi Syahrul Munir Syifana, Sulthan Taufik Hana Hidayat Taufiq Hidayat Titin Kartini Tutik Pujiyati Ulfi Andrian Sari Umi Mintarti Widjaja, Sri Vionita Agustyaningtias Wahjoedi Wahjoedi Wahjoedi Winasti Rahma Diani Yohanes Hadi Soesilo Yuda Kristanti Yulita, Fika Tri Zetti Finalli Zhenyu Li