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Penguatan Perilaku Keuangan Generasi Z Melalui Pemahaman Perencanaan Keuangan

Jurnal Bina Desa · Vol. 8 No. 3 (2026) · hlm. 516–524

DOI
10.15294/jurnalbinadesa.v8i3.47385
ISSN
2775-4375, 2715-6311
Terbit
2026-10-31
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

Social media can trigger negative behavior of Generation Z, especially in financial management such as consumptive behavior, fear of missing out (FOMO), and excessive self-reward. This condition shows the importance of strengthening the financial management of Generation Z in the digital era. The service activities aim to improve the financial capabilities of Generation Z through modern financial management which includes financial literacy, financial technology, and lifestyle. The activity was held at Kasetsart University, Thailand as part of strengthening international academic collaboration on modern financial management in global issues. The implementation method uses the Participatory Rural Appraisal (PRA) approach including counseling, mentoring, and training. The material is focused on financial literacy as a foundation in forming mature thinking about financial management so that students are able to recognize needs objectively. The results of the activity showed an increase in participants' understanding of the importance of spending control in lifestyle, the ability to distinguish between needs and wants. Strengthening financial literacy through this activity is a capital for generation Z to make wiser decisions.

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  • State University of Semarang
  • Jenderal Soedirman University
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Amir MahmudAfiliasi tidak diketahui11
Puji Novita SariAfiliasi tidak diketahui4
Lola Kurnia PitalokaAfiliasi tidak diketahui3
Indah AnisykurlillahAfiliasi tidak diketahui3
KardiyemAfiliasi tidak diketahui2
Dwi Puji AstutiAfiliasi tidak diketahui2
Anis WidyawatiAfiliasi tidak diketahui2
Shofriya Qonitatin AbidahAfiliasi tidak diketahui2
Heru SetyantoAfiliasi tidak diketahui2
Ida Nur AeniAfiliasi tidak diketahui2
Nurul HayatiAfiliasi tidak diketahui2
Agus WahyudinAfiliasi tidak diketahui2
Yeri SutopoAfiliasi tidak diketahui2
Eko SupraptonoAfiliasi tidak diketahui2
Rini KusumawardaniAfiliasi tidak diketahui2
Rediana SetiyaniAfiliasi tidak diketahui2
KusmuriyantoAfiliasi tidak diketahui1
Arif SantosoAfiliasi tidak diketahui1
Sari LestariAfiliasi tidak diketahui1
Fidia FibrianaState University of Semarang1
Nana Kariada Tri MartutiState University of Semarang1
Danang Dwi SaputroAfiliasi tidak diketahui1
Sunyoto SunyotoAfiliasi tidak diketahui1
Dewi LarasatiAfiliasi tidak diketahui1
Putri Intan PrastiwiAfiliasi tidak diketahui1
Rise BeningAfiliasi tidak diketahui1
Puji LestariJenderal Soedirman University1
Primasa Minerva NagariAfiliasi tidak diketahui1
Taprihanto TaprihantoAfiliasi tidak diketahui1
Silki RisyadayanaAfiliasi tidak diketahui1
Khoirunnisa KhoirunnisaAfiliasi tidak diketahui1
Umi NurainiAfiliasi tidak diketahui1
Delya Saski AnandaAfiliasi tidak diketahui1
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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jurnalbinadesa/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Penguatan Perilaku Keuangan Generasi Z Melalui Pemahaman Perencanaan Keuangan</dc:title>
	<dc:creator xml:lang="en">Arief , Sandy </dc:creator>
	<dc:creator xml:lang="en">Latifah, Lyna </dc:creator>
	<dc:creator xml:lang="en"> Susilowati, Nurdian</dc:creator>
	<dc:creator xml:lang="en">Mudrikah, Saringatun </dc:creator>
	<dc:creator xml:lang="en">Fuad, Muhammad Nur </dc:creator>
	<dc:subject xml:lang="en">Financial Capability, Financial Literacy, Financial Technology, Generation Z, Lifestyle, Modern Finance</dc:subject>
	<dc:description xml:lang="en">Social media can trigger negative behavior of Generation Z, especially in financial management such as consumptive behavior, fear of missing out (FOMO), and excessive self-reward. This condition shows the importance of strengthening the financial management of Generation Z in the digital era. The service activities aim to improve the financial capabilities of Generation Z through modern financial management which includes financial literacy, financial technology, and lifestyle. The activity was held at Kasetsart University, Thailand as part of strengthening international academic collaboration on modern financial management in global issues. The implementation method uses the Participatory Rural Appraisal (PRA) approach including counseling, mentoring, and training. The material is focused on financial literacy as a foundation in forming mature thinking about financial management so that students are able to recognize needs objectively. The results of the activity showed an increase in participants' understanding of the importance of spending control in lifestyle, the ability to distinguish between needs and wants. Strengthening financial literacy through this activity is a capital for generation Z to make wiser decisions.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2026-10-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/jurnalbinadesa/article/view/47385</dc:identifier>
	<dc:identifier>10.15294/jurnalbinadesa.v8i3.47385</dc:identifier>
	<dc:source xml:lang="en">Jurnal Bina Desa; Vol. 8 No. 3 (2026): Vol 8 No 3 (2026); 516-524</dc:source>
	<dc:source>2775-4375</dc:source>
	<dc:source>2715-6311</dc:source>
	<dc:source>10.15294/jurnalbinadesa.v8i3</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jurnalbinadesa/article/view/47385/12063</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Jurnal Bina Desa</dc:rights>
</oai_dc:dc>