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All Journal JURNAL PENDIDIKAN TAMBUSAI Jurnal Ilmu Manajemen & Ekonomika Jurnal Keuangan dan Perbankan
Tanjung, Khairun Nisa
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Journal : Jurnal Ilmu Manajemen

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Generation Z's Consumption and Savings Preferences Amidst Economic Uncertainty: A Thematic Analysis Approach Hidayati, Rahma; Ardhini, Putri; Ashuratirana, Nurisnaini; Tanjung, Khairun Nisa; Sari, Nadia Atika; Nuraya , Ahmad Setiawan
Jurnal Ilmu Manajemen dan Ekonomika Vol. 17 No. 2 (2025): Jurnal Ilmu Manajemen dan Ekonomika, Vol. 17, No.2, Juni 2025
Publisher : Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jime.v17i2.789

Abstract

This study explores the consumption behaviour and savings preferences of Generation Z Indonesia (aged 17-25 years) in the face of global economic uncertainty using a qualitative approach through in-depth interviews. The results show a duality of behaviour, where the majority of respondents have an awareness of saving for emergency funds or investment, but the consistency of saving is hampered by irregular income and a consumptive lifestyle influenced by social media as a source of information as well as a trigger for impulsive consumption. Additional quantitative data reveals that 63% of respondents allocate more than 30% of their income to lifestyle, while 57% actively use digital investment apps. This research emphasizes the importance of digital financial literacy and consumption behaviour education as strategies to create more adaptive and sustainable financial management among Generation Z and recommends the integration of financial literacy in the education curriculum and protective regulation of digital financial platforms.
Co-Authors Ardhini, Putri Ashuratirana, Nurisnaini Elvi Mailani Hidayati, Rahma Manurung, Imelda Free Unita Naeklan Simbolon Nuraya , Ahmad Setiawan Nuraya, Ahmad Setiawan Rangkuti, Irsan Sari, Nadia Atika