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All Journal Jurnal Ilmu Komunikasi Jurnal AGRISEP: Kajian Masalah Sosial Ekonomi Pertanian dan Agribisnis IJEFSD
Mu’afi, Muhammad Irfan
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Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Languange, Linguistic, Communication & Media

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Parental Influence on Financial Literacy and Behavior of Generation Z Students at UPN Yogyakarta Mu’afi, Muhammad Irfan; Koorag, Satrio Tegar Gunung; Sagita, Virginia Ayu
International Journal on Economics, Finance and Sustainable Development (IJEFSD) Vol. 6 No. 3 (2024): International Journal on Economics, Finance and Sustainable Development (IJEFSD
Publisher : Research Parks Publishers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31149/ijefsd.v6i7.5295

Abstract

This study aims to determine the role of parents in providing financial education to Generation Z students at UPN Yogyakarta and how this education impacts their financial behavior. Utilizing a phenomenological research approach, the study involved in-depth interviews with ten respondents from UPN Yogyakarta. The research explores the factors that lead these students to recognize the importance of financial education imparted by their parents, along with other psychological and economic factors that underscore the necessity of financial literacy for wise money management. The findings reveal several key insights. Firstly, parents significantly shape their children's financial behaviors, with those who receive early financial education from their parents demonstrating better money management skills. Secondly, students who did not receive financial education from their parents often turn to digital platforms like YouTube and Instagram to gain financial knowledge. Thirdly, students from economically disadvantaged backgrounds are more likely to seek financial literacy independently to avoid financial pitfalls. Additionally, psychological factors, such as self-awareness and resilience, play a crucial role in shaping financial behavior. Lastly, there is a notable variation in financial literacy among the respondents, influenced by their family backgrounds and the financial education they received. These results underscore the importance of parental involvement in financial education and the need for targeted strategies to enhance financial literacy among students, particularly those from less privileged backgrounds. The study highlights the potential benefits of incorporating financial education into early childhood development to foster prudent financial behaviors.
Financial Navigation: Building Generation Z Literacy through Learning Channels Mu’afi, Muhammad Irfan; Hapsari, Nurul Retno; Amalia, Tazkia; Jesie, Titan Aprista
Jurnal Ilmu Komunikasi Vol 23 No 1 (2025): April (2025)
Publisher : Univeritas Pembangunan Nasional "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/jik.v23i1.14790

Abstract

This research aims to explore the role of learning channels in enhancing financial literacy among Generation Z. Given the increasingly complex financial challenges in the digital era, financial literacy is becoming an essential skill to possess. This study employs a quantitative approach using questionnaires with active university students from the 2019-2022 cohorts aged 18-22 years as research subjects. The learning channels used as indicators in this study are: family / friends, social media, formal education, influencers, investment apps, and non-formal education. The data obtained were analyzed using Smart-PLS. The results of this study indicate that learning channels with the indicators of family, social media, formal education, and investment apps have a significant impact on financial literacy, whereas influencers and non-formal education do not significantly affect financial literacy. These findings suggest that financial literacy among Generation Z can be effectively improved through structured and relevant learning channels, particularly those integrated into daily life and formal education settings.
Green Choices in E-Commerce: Understanding Consumer Willingness to Pay for Eco-Friendly Packaging Hapsari, Nurul Retno; Mu’afi, Muhammad Irfan; Nurchaya, Mukti Ahmad
Jurnal AGRISEP JURNAL AGRISEP VOL. 25 NO. 01 2026 (MARCH)
Publisher : Badan Penerbitan Fakultas Pertanian, Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31186/jagrisep.25.01.189-204

Abstract

This study examines consumer behavior toward adopting eco-friendly packaging in Indonesia’s e-commerce sector, contributing to the broader discourse on sustainable consumption in Indonesia. It analyzes the factors influencing consumers’ willingness to pay for eco-friendly packaging using the Sustainability Theory of Planned Behavior (STPB). The study is driven by growing environmental concerns associated with e-commerce packaging waste, particularly in emerging markets such as Indonesia, where sustainability practices are still developing. Data were collected from 236 active online shoppers through purposive sampling, and structural equation modelling (SEM) was employed to analyze the relationships among key variables. The results demonstrate the significant influence of environmental concerns on consumer attitudes and the crucial role of behavioral intention in predicting willingness to pay for eco-friendly packaging. The findings further indicate that moral and environmental values play a more prominent role than economic considerations in shaping consumer behavior. These insights underscore the importance of public awareness campaigns, improved accessibility to eco-friendly packaging, and supportive government policies. By integrating sustainability dimensions into consumer behavior models, this study advances the theoretical understanding of sustainable consumption in e-commerce and offers practical recommendations for promoting environmental responsibility in emerging markets.
Co-Authors Amalia, Tazkia Jesie, Titan Aprista Koorag, Satrio Tegar Gunung Nurchaya, Mukti Ahmad Nurul Retno Hapsari Sagita, Virginia Ayu