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All Journal Jurnal Pemberdayaan Masyarakat
Nofriansyah Nofriansyah
Universitas Pendidikan Indonesia, Indonesia
Social Sciences

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Financial Literacy Meets Lifestyle: Understanding the Behavioral Pathways to Effective Financial Management Among Generation Z Endang Supriatna; Disman Disman; Eeng Ahman; Amir Machmud; Nofriansyah Nofriansyah; Ramdan Nugraha
Jurnal Pemberdayaan Masyarakat Vol 5, No 2 (2026)
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v5i2.753

Abstract

This study examines the structural relationships among financial literacy, lifestyle, and financial management behavior among Generation Z university students in Indonesia, addressing concerns about weak financial decision-making amid increasing digital consumption and lifestyle-oriented spending. A quantitative explanatory design was employed, involving 250 undergraduate students selected through purposive sampling. Data were collected using a structured questionnaire and analyzed using partial least squares structural equation modeling (PLS-SEM). The findings indicate that financial literacy has a significant positive effect on financial management behavior both directly and indirectly through lifestyle, confirming lifestyle as a key mediating variable. This result reinforces that financial knowledge alone is insufficient unless it is internalized into daily lifestyle patterns that guide financial decisions. This study contributes theoretically by positioning lifestyle as a behavioral transmission mechanism linking financial literacy to financial management behavior, thereby extending behavioral finance and planned behavior perspectives in a Generation Z context. In practice, the findings offer insights for designing holistic financial education programs that integrate financial knowledge with lifestyle-oriented and behaviorally tailored interventions for digitally native youth.
Problem-Based Learning E-Modules to Improve Students' 21st-Century Skills: A Systematic Literature Review Meirani Meirani; Nofriansyah Nofriansyah; Badeni Badeni; Osa Juarsa; Muhammad Kristiawan; Eko Risdianto; Yusupov Komaliddin Bakhtiyor Ugli
Jurnal Pemberdayaan Masyarakat Vol 5, No 1 (2026)
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v5i1.640

Abstract

This systematic literature review examines the effectiveness of Problem-Based Learning (PBL) e-modules in developing students' 21st-century skills by synthesizing ten Scopus-indexed empirical studies published between 2015 and 2025. Motivated by the growing demand for student-centered and technology-integrated learning, this review aims to consolidate evidence on how PBL-oriented digital modules support key competencies. Following the PRISMA guidelines, the study employed a transparent selection process and combined thematic synthesis with bibliometric analysis (VOSviewer) to identify research trends, dominant themes, and learning outcomes. The findings indicate that PBL e-modules consistently enhance critical thinking, collaboration, communication, and creativity, with the strongest effects reported in critical thinking and collaborative performance. Student motivation and autonomy emerged as important mediating factors, while variations in instructional design and digital platform quality influenced effectiveness across contexts. These results imply that well-structured PBL design and purposeful digital integration are critical for maximizing the impact of e-modules on 21st-century skills, while also highlighting methodological gaps for future research.
Co-Authors Amir Machmud Badeni Badeni Disman Disman Eeng Ahman, Eeng Eko Risdianto Endang Supriatna Meirani Meirani Muhammad Kristiawan Osa Juarsa Ramdan Nugraha Yusupov Komaliddin Bakhtiyor Ugli