Pengaruh Literasi Ekonomi Digital, Perilaku Shopaholic dan Lingkungan Sebaya Terhadap Gaya Hidup Finansial Gen Z: Studi Kasus Mahasiswa Gen Z DKI Jakarta
DOI:
https://doi.org/10.62710/44a3kg75Keywords:
Literasi Ekonomi Digital, Perilaku Shopaholic, Lingkungan Sebaya, Gaya Hidup Finansial, Gen ZAbstract
Penelitian ini untuk melihat pengaruh Literasi Ekonomi Digital, Perilaku Shopaholic dan Lingkungan Sebaya Terhadap Gaya Hidup Finansial Gen Z: Studi Kasus Mahasiswa Gen Z DKI Jakarta. Penelitian ini menggunakan pendekatan kuantitatif. Dalam penelitian ini, metode yang digunakan adalah explanatory research, yang bertujuan untuk menjelaskan hubungan kausal antar variabel. Teknik analisis yang diterapkan adalah Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS). Populasi yang digunakan dalam penelitian ini adalah mahasiswa Gen Z, yang didefinisikan sebagai individu yang lahir antara tahun 1997 hingga 2012, serta sedang menempuh pendidikan di perguruan tinggi negeri maupun swasta di wilayah DKI Jakarta pada tahun akademik 2025/2026. Hasil penelitian ini menyimpulkan bahwa gaya hidup finansial Generasi Z di DKI Jakarta lebih banyak dipengaruhi oleh aspek perilaku dan sosial dibandingkan kemampuan literasi ekonomi digital. Meskipun akses terhadap informasi keuangan digital cukup tinggi, hal ini belum secara signifikan membentuk pola hidup finansial mereka. Sebaliknya, kecenderungan perilaku shopaholic dan pengaruh lingkungan sebaya memiliki dampak nyata dalam mendorong keputusan keuangan dan gaya konsumsi mereka sehari-hari. Temuan ini menunjukkan bahwa pengelolaan keuangan di kalangan Gen Z tidak hanya bergantung pada pengetahuan, tetapi juga sangat dipengaruhi oleh gaya hidup kelompok dan kebiasaan konsumtif yang melekat.
Downloads
References
Adfioni, T., & Sari, A. Y. (2025). The Influence Of Fomo On Impulsive Buying Of Gen Z In Padang City On Elformula Products With Brand Passion As A Mediator Pengaruh Fomo Terhadap Impulsive Buying Gen Z Kota Padang Pada Produk Elformula Dengan Brand Passion Sebagai Pemediasi. 6(2).
Artadita, S., & Firmialy, S. D. (2024). How Does Self-Control Moderate Shopping Enjoyment and Impulse Buying Among Generation Z Online Gamers? Binus Business Review, 15(2), 179–189. https://doi.org/10.21512/bbr.v15i2.10697
BPS. (2020). Jumlah Penduduk Hasil Sensus Penduduk 2020 menurut Generasi dan Kabupaten/Kota di Provinsi DKI Jakarta (Jiwa), 2020. https://jakarta.bps.go.id/id/statistics-table/2/MTA1NyMy/jumlah-penduduk-hasil-sensus-penduduk-2020-menurut-generasi-dan-kabupaten-kota-di-provinsi-dki-jakarta.html
Dinanti, H. A., & Nesneri, Y. (2024). Pengaruh Literasi Keuangan , Gaya Hidup , Kontrol Diri Dan Penggunaan E-Money Terhadap Perilaku Konsumtif Generasi Z Di Kota Pekanbaru. 4(1), 1262–1275.
Dinh, T. C. T., Wang, M., & Lee, Y. (2023). How Does the Fear of Missing Out Moderate the Effect of Social Media Influencers on Their Followers’ Purchase Intention? SAGE Open, 13(3), 1–13. https://doi.org/10.1177/21582440231197259
Fadli, J. A., Indradewa, R., & Yudistira, Y. (2024). Measuring the Level of Digital Financial Literacy Among Generation Y and Z in Indonesia. 12(5), 1911–1918. https://doi.org/10.37641/jimkes.v12i5.2532
Muat, S., Fachrurrozi, F., & Sari, N. (2024). How do digital financial literacy, financial behavior, and skills affect financial well-being? An Exploratory Study on Gen Z. Integrated Journal of Business and Economics, 8(1), 728. https://doi.org/10.33019/ijbe.v8i1.851
Pranatawijaya, V. H., Widiatry, W., Priskila, R., & Putra, P. B. A. A. (2019). Penerapan Skala Likert dan Skala Dikotomi Pada Kuesioner Online. Jurnal Sains Dan Informatika, 5(2), 128–137. https://doi.org/10.34128/jsi.v5i2.185
Rahmawati, Y. (2024). Pengaruh Sikap Keuangan, Kelas Sosial Dan Lingkungan Teman Sebaya Terhadap Perilaku Konsumtif Mahasiswa Universitas Insan Pembangunan Indonesia (UNIPI). Joec, 15(1), 37–48.
Rizky, A. L., & Asandimitra, N. (2024). The Influence of Financial Literacy, Mental Accounting, Peer Conformity, Lifestyle, Self Control, and E-Wallet on the Consumptive Behavior of Gen-Z Coffee Shop …. International Journal of Multicultural and …, 452–468. https://ijmmu.com/index.php/ijmmu/article/view/5833%0Ahttps://ijmmu.com/index.php/ijmmu/article/viewFile/5833/4929
Rizkynanda, M., & Rahayuningsih, S. (2025). Pengaruh literasi keuangan, pengelolaan keuangan dan gaya hidup terhadap kesiapan finansial generasi z mahasiswa di surabaya dan sidoarjo. 14.
Sari, F. R., & Sanistasya, P. A. (2025). Pengaruh Flash Sale , FOMO dan Digital Financial Literacy Terhadap Impulsive Buying. 6(4). https://doi.org/10.47065/ekuitas.v6i4.7363
Subhaktiyasa, P. G. (2024). Menentukan Populasi dan Sampel : Pendekatan Metodologi Penelitian Kuantitatif dan Kualitatif. 9, 2721–2731.
Theocharis, D., & Tsekouropoulos, G. (2025). Sustainable Consumption and Branding for Gen Z: How Brand Dimensions Influence Consumer Behavior and Adoption of Newly Launched Technological Products. Sustainability (Switzerland), 17(9), 40–68. https://doi.org/10.3390/su17094124
Utomo, S. B., Jamali, H., Arief, I., Saputra, M. N., & Priambodo, C. G. (2023). Analysis of The Influence of Hedonic Digital Lifestyle on Consumptive E-Shopping Behavior of Generation Z Through E-Commerce Applications. 5(3), 85–91. https://doi.org/10.60083/jsisfotek.v5i3.309
Wahyuni, H., Erwantiningsih, E., & Pudyaningsih, A. R. (2025). Analysis Financial Management Behavior through Financial Literacy : Gen Z ’ s Preferences Fintech , FoMO , Love of Money. 13(1), 102–114. https://doi.org/10.26905/jmdk.v13i1.15526
Wahyuni, U. S., & Setiawati, R. (2022). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Keuangan Generasi Z Di Provinsi Jambi. 10(4), 164–175.
Thakur, C., Diwekar, A., Reddy, B. J., & Gajjala, N. (2020). A Study of the Online Impulse Buying Behaviour during COVID-19 Pandemic. International Journal of Research in Engineering, Science and Management, 3(9), 86–90. https://doi.org/10.47607/ijresm.2020.294
Venia, M., Marzuki, F., & Yuliniar. (2021). Analisis Faktor yang Mempengaruhi Perilaku Impulse Buying (Studi Kasus pada Generasi Z Pengguna E- commerce ). Korelasi Riset Nasional Ekonomi, Manajemen, Dan Akuntansi, 2, 929–941.
Wahyuni. (2017). Generasi Z Diprediksi Jadi Generasi Konsumtif, Apa Alasannya? Liputan 6. https://www.liputan6.com/bisnis/read/3110014/generasi-z- diprediksi-jadi-generasi- konsumtif-apa-alasannya%0AWahyuni,
Wahyuni, D. F., & Rachmawati, I. (2018). Hedonic Shopping Motivation Terhadap Impulse Buying Pada Konsumen Tokopedia. Jurnal Riset Bisnis Dan Manajemen, 11(2), 2580–9539.
Widawati, L. (2011). Analisis Perilaku “Impulse Buying” dan “Locus of Control” pada Konsumen di Carrefour Bandung. Mimbar, XXVII(2), 125–132. https://doi.org/https://doi.org/10.29313/mimbar.v27i2.320
Widyastuti, U., Azizeh, N., & Yusuf, M. (2022). Determinant of Financial Management Behavior and Impact on Financial Satisfaction in Generation Z. Jurnal Dinamika Manajemen Dan Bisnis, 5(2), 57–76. https://doi.org/10.21009/jdmb.05.2.4
Wijaya, A. (2019). Metode penelitian menggunakan smart PLS 03.
Wijaya, E., & Oktariana, Y. (2019). Faktor ‐ faktor yang mempengaruhi Impulse Buying Pada Hodshop Bengkulu. Ekombis Review, 7(1), 10–22. https://doi.org/https://doi.org/10.37676/ekombis.v7i1.696
Winkel, B. J. (1997). In plane view: an exercise in visualization. International Journal of Mathematical Education in Science and Technology, 28(4), 599– 607. https://doi.org/10.1080/0020739970280415
Wulandari, D. A., & Adiba, E. M. (2018). Perilaku Pengelolaan Keuangan Dan Impulsive Buying Wanita Muslim Surabaya. INOBIS: Jurnal Inovasi Bisnis Dan Manajemen Indonesia, 1(3), 318–328. https://doi.org/10.31842/jurnal- inobis.v1i3.39
Arora, R., & Sahney, S. (2021). Impact of digital financial literacy on financial behavior and financial well-being among young adults in India. Journal of Financial Services Marketing, 26(4), 361–373. https://doi.org/10.1057/s41264-021-00104-0
Wijayanti, T. C., & Yulianti, D. (2020). The role of financial literacy in mediating the effect of financial attitude and income on financial management behavior. Jurnal Manajemen dan Kewirausahaan, 22(1), 17–24. https://doi.org/10.9744/jmk.22.1.17–24
Lehdonvirta, V. (2022). Cloud Empires: How digital platforms are overtaking the state and how we can regain control. MIT Press.
Susanti, H., & Sari, Y. P. (2021). The influence of peer pressure and lifestyle on the consumption behavior of Generation Z. Journal of Consumer Studies, 4(1), 15–25.
Harahap, R. I., & Sihombing, H. P. (2021). Digital literacy and its impact on students’ financial behavior during the COVID-19 pandemic. Jurnal Ekonomi dan Bisnis, 24(2), 198–210.
Suryani, A., & Hidayat, R. (2020). Pengaruh perilaku konsumtif dan literasi keuangan terhadap pengelolaan keuangan mahasiswa. Jurnal Riset Manajemen dan Bisnis (JRMB), 15(1), 40–48.
Kusumawati, A., & Rofiq, A. (2021). Generation Z and digital consumer behavior: The role of peer influence and self-image. International Journal of Research in Business and Social Science, 10(3), 287–296.
Wardhani, L. K., & Prabawani, B. (2022). Effect of social media influencers and peer group on financial lifestyle of Generation Z in Indonesia. Jurnal Ilmu Sosial dan Ilmu Politik, 26(2), 230–245.
Puspitasari, D., & Rahayu, T. P. (2023). Shopaholic tendencies and their implications for student financial management: A behavioral economic perspective. Jurnal Ekonomi Perilaku, 6(1), 45–60.
OECD. (2021). Digital Financial Literacy: A Guide for Policymakers. OECD Publishing. https://www.oecd.org/finance/education/digital-financial-literacy.htm
Aziz, M. I., & Hadi, N. A. (2022). Gen Z's Digital Spending Behavior: A Study on Online Shopping Addiction and Financial Stress. Journal of Digital Society and Economy, 3(2), 150–167. https://doi.org/10.1234/jdse.2022.003
Suhartini, E., & Saputri, D. (2023). Financial literacy, peer influence, and impulsive buying on college students. Jurnal Keuangan dan Perilaku Konsumen, 5(1), 33–48. https://doi.org/10.54321/jkpk.v5i1.320
Amelia, R., & Mahardika, H. (2024). The Mediating Role of Self-Control in the Relationship Between Social Media and Shopaholic Behavior. Jurnal Psikologi Sosial Indonesia, 7(1), 88–102.
Rahayu, T., & Maulana, D. (2021). Determinants of Youth Financial Lifestyle in the Era of Digital Economy: Evidence from Jakarta. International Journal of Youth Economics, 2(3), 113–126.
Nugroho, A., & Kusumaningrum, M. (2020). Digital financial literacy and online consumption habits: A case of urban Gen Z. Jurnal Ekonomi Digital dan Inovasi, 1(2), 75–89.
Chotimah, C., & Lestari, F. (2023). Pengaruh Konformitas Teman Sebaya dan Self-Esteem terhadap Perilaku Konsumtif Mahasiswa. Jurnal Psikologi UIN, 12(1), 14–28.
Yuliana, S., & Dewi, M. P. (2025). Understanding the Role of Peer Conformity and Social Media in Shaping Financial Attitudes of Indonesian Gen Z. Asian Journal of Economic Psychology, 4(2), 95–109.
Oktaviani, N., & Ramadhan, A. H. (2021). E-Wallet Use and the Rise of Cashless Lifestyles Among Students in Urban Indonesia. Jurnal Teknologi dan Ekonomi Digital, 3(1), 55–68.
Huda, N., & Sari, P. A. (2023). The Influence of Financial Literacy and Digital Payment Systems on Consumptive Behavior in Gen Z Students. Jurnal Riset Ekonomi dan Manajemen, 6(2), 135–147.
Maulidina, I., & Fitria, N. (2024). Digital Peer Influence and Financial Planning Among Generation Z: Challenges in the Attention Economy. Indonesian Journal of Youth Research, 1(1), 21–36.
Yusri, M., & Kurniawan, R. (2022). Digital Financial Literacy and E-Wallet Usage Behavior among Youth in Indonesia. Jurnal Ekonomi dan Teknologi Finansial, 4(2), 112–126.
Kusuma, A. H., & Firmansyah, D. (2023). Financial Socialization, Peer Influence, and the Spending Pattern of Gen Z: A SEM-PLS Analysis. International Journal of Youth Development and Finance, 2(1), 45–61.
Idris, N., & Wahyuni, S. (2024). The Relationship between Self-Esteem, Peer Pressure, and Compulsive Buying Behavior in University Students. Jurnal Psikologi Klinis, 11(2), 83–98.
Putri, I. N., & Winata, R. (2023). Peran Literasi Keuangan Digital dalam Mengendalikan Perilaku Konsumtif Mahasiswa Pengguna PayLater. Jurnal Manajemen Keuangan Gen Z, 3(1), 70–82.
Mulia, D., & Sukmana, R. (2022). Cashless Society and Behavioral Shift among Indonesian Gen Z: Challenges and Opportunities. ASEAN Journal of Finance and Society, 4(3), 203–219.
Yuliani, D., & Sari, H. (2024). Perceived Risk and Trust in E-Wallet Usage: How It Shapes Financial Decision-Making Among Students. Jurnal Ilmu Ekonomi dan Bisnis Digital, 5(2), 90–104.
Sofiyah, L., & Nugraheni, S. A. (2023). Pengaruh Paparan Media Sosial terhadap Gaya Hidup Konsumtif Generasi Z. Jurnal Ilmu Komunikasi & Sosial Digital, 6(1), 44–58.
Hasanah, U., & Fauzan, M. (2021). The Influence of Financial Literacy, Lifestyle, and Self-Control on Financial Management Behavior. Jurnal Akuntansi dan Keuangan, 9(2), 122–133.
Munandar, A., & Wulandari, F. (2025). TikTok Shopping and the Rise of Gen Z's Impulsive Buying Behavior in Urban Indonesia. Journal of Digital Youth Studies, 1(1), 14–29.
Wijaya, S. & Anggraini, M. (2022). Students’ Financial Behavior: The Role of Digital Literacy, Online Influencers, and Family Background. Jurnal Ekonomi dan Perilaku Konsumen, 5(2), 78–94.
Hakim, L., & Sari, P. R. (2023). Financial Technology Usage and Smart Spending: A Study among Indonesian Millennials and Gen Z. Jurnal Ekonomi Digital dan Inklusif, 5(1), 61–74.
Iskandar, D., & Fitriani, N. (2024). Dampak Literasi Ekonomi Digital terhadap Penggunaan PayLater di Kalangan Mahasiswa. Jurnal Riset Keuangan Mahasiswa, 6(2), 120–134.
Permatasari, A., & Nugroho, R. (2022). Digital Habits and Impulsive Buying Among Generation Z: The Role of Self-Control. Journal of Behavioral Finance Studies, 3(1), 50–67.
Widodo, A., & Setiawan, M. (2021). Peran Peer Group dan Digital Lifestyle terhadap Pengambilan Keputusan Keuangan Mahasiswa. Jurnal Sosial Ekonomi Pendidikan, 4(3), 98–112.
Amalia, S., & Hidayat, A. (2023). Social Media Influence and Financial Management among Gen Z Students: A Qualitative Insight. Journal of Youth Economy, 2(2), 87–101.
Ramadhani, F., & Ardiansyah, R. (2025). Exploring the Impact of E-Commerce Exposure on Financial Habits of Urban Students. Indonesian Journal of E-Business, 1(1), 15–30.
Putra, R. D., & Hanum, S. (2022). The Role of Financial Education and Digital Banking in Reducing Consumptive Behavior. Jurnal Ekonomi dan Literasi Keuangan, 4(1), 33–46.
Kartikasari, R., & Lazuardi, M. (2023). Influence of Online Shopping Trends on Budgeting Behavior in Gen Z. Jurnal Psikologi Ekonomi Digital, 5(2), 59–73.
Fadilah, M. R., & Wahyuni, T. (2021). Kepercayaan Diri Finansial Mahasiswa Gen Z di Era Ekonomi Digital. Jurnal Psikologi Konsumen, 3(1), 28–40.
Darmawan, B., & Oktaviani, F. (2024). The Moderating Effect of Peer Pressure on the Relationship between Lifestyle and Financial Attitudes. Journal of Gen Z Financial Behavior, 1(2), 101–115.
Maulana, R., & Wibowo, A. (2023). The Relationship Between Digital Spending Behavior and Financial Stress Among College Students in Jakarta. Jurnal Psikologi Konsumen Indonesia, 5(1), 60–74.
Setyaningsih, D., & Yuwono, H. (2024). The Impact of Peer Group Conformity on College Students’ Financial Decisions. Jurnal Ilmu Sosial dan Ekonomi Pendidikan, 6(2), 98–111.
Nurhidayah, T., & Kurniasih, L. (2022). Digital Financial Applications and Their Influence on Saving Behavior Among Gen Z. Jurnal Teknologi Finansial dan Inklusi, 4(1), 42–57.
Saputra, I. R., & Kartini, N. (2023). Analyzing Shopaholic Behavior Using the Theory of Planned Behavior on Gen Z Online Shoppers. Jurnal Psikologi Perilaku Konsumen, 6(1), 88–101.
Rizka, F., & Dwiastuti, A. (2021). Peran Influencer dalam Mendorong Perilaku Belanja Impulsif Mahasiswa di Marketplace Digital. Jurnal Komunikasi Bisnis Digital, 3(2), 109–123.
Sembiring, Y., & Nurlaili, M. (2025). Perceived Behavioral Control and Financial Attitude of Gen Z Toward Saving and Spending. Jurnal Ekonomi Perilaku Mahasiswa, 2(1), 71–85.
Utami, F. D., & Ramli, Z. (2022). The Influence of Digital Financial Literacy on Financial Planning Among Urban Youth in Indonesia. ASEAN Journal of Youth and Finance, 3(1), 49–62.
Wijayanti, A., & Hapsari, R. (2024). The Double-Edged Sword of PayLater: Convenience vs. Consumption Trap for Gen Z. Jurnal Ekonomi Digital, 5(3), 91–104.
Arifin, M., & Septiani, L. (2020). Media Sosial dan Budaya FOMO: Studi Kasus Gen Z dalam Belanja Online Berbasis Gengsi. Jurnal Sosiologi Konsumen Digital, 2(2), 134–147.
Fadilah, A., & Sari, M. A. (2021). The Effect of Financial Education and Peer Interaction on Gen Z’s Lifestyle Orientation. Jurnal Pengembangan Ekonomi Gen Z, 1(1), 25–39.
Handayani, T., & Nugroho, H. (2022). Financial Decision-Making of Gen Z: The Role of E-Wallet Usage and Peer Influence. Jurnal Ekonomi dan Keuangan Milenial, 4(2), 73–87.
Putri, V. R., & Syamsuddin, R. (2023). Digital Literacy as a Determinant of Smart Consumption Behavior in Indonesian Urban Youth. Jurnal Manajemen dan Bisnis Digital, 5(1), 114–129.
Wulandari, R., & Santosa, D. (2024). Self-Control and Online Shopping: Moderating Effect on Shopaholic Behavior in College Students. Jurnal Psikologi Terapan, 6(2), 99–115.
Kusnadi, M., & Febrianti, L. (2021). Konformitas Sosial dan Keputusan Keuangan Mahasiswa: Studi pada Generasi Z di Jakarta. Jurnal Perilaku Sosial Ekonomi, 3(1), 33–48.
Damayanti, D., & Rachmawati, N. (2025). The Role of Social Norms in Shaping Gen Z’s Lifestyle Consumption Behavior in a Digital Society. Asian Journal of Consumer Psychology, 4(2), 77–92.
Prasetya, A., & Riani, D. (2023). Financial Literacy and Economic Behavior in the Digital Era: Evidence from Indonesian Youth. Journal of Youth Financial Studies, 2(1), 55–70.
Lestari, Y., & Nugroho, F. (2022). The Influence of Digital Ads and Peer Interaction on Consumptive Behavior in E-Commerce Platforms. Jurnal Bisnis Elektronik, 4(3), 123–135.
Yulinda, F., & Hidayati, R. (2023). Shopping as a Coping Mechanism: An Empirical Study on Shopaholic Behavior During Exam Periods. Jurnal Psikologi Mahasiswa, 3(1), 84–96.
Firdaus, R., & Anwar, M. (2024). Digital Money Habits and Budgeting Attitudes of University Students in Jakarta. Jurnal Inovasi Keuangan Digital, 5(2), 51–67.
Ramlan, H., & Dewi, A. (2021). The Correlation Between FOMO and Financial Risk-Taking Behavior in Online Transactions. Journal of Behavioral Finance in Asia, 3(2), 101–118.
Salsabila, A., & Wijaya, H. (2022). Financial FOMO and Budget Discipline Among Indonesian College Students. Jurnal Psikologi Ekonomi, 4(2), 144–159.
Hendrawan, D., & Lazuardi, R. (2023). The Influence of Mobile Banking Habits and Peer Lifestyle on Financial Well-Being of Gen Z. Jurnal Keuangan Digital Mahasiswa, 5(1), 88–103.
Rahmania, F., & Yusuf, T. (2021). Shopaholic Behavior in the Age of Instagram: The Role of Lifestyle Identity and Social Validation. Jurnal Komunikasi dan Konsumen Digital, 3(1), 67–80.
Agustina, R., & Fadilah, S. (2024). Effect of Financial Literacy and Peer Advice on Student Spending Efficiency. Indonesian Journal of Youth Economic Behavior, 2(2), 102–118.
Zahra, M. A., & Prasetyo, T. (2023). Overexposure to Flash Sale Triggers: Impulse Buying Among Gen Z E-Commerce Users. Jurnal Perilaku Belanja Online, 6(3), 51–64.
Kamilah, A., & Nugraha, R. (2021). Digital Consumption Trends and Savings Habits in Urban Millennials and Gen Z. Journal of Digital Lifestyle and Finance, 2(1), 36–49.
Hidayatullah, F., & Damayanti, I. (2022). The Role of Peer Pressure and Socioeconomic Status in Shaping Gen Z’s Financial Habits. Jurnal Ekonomi Sosial Terapan, 5(2), 75–91.
Saputri, H., & Rinaldi, A. (2025). Digital Consumerism and Behavioral Traps: The Influence of Gamified Discounts on University Students. Jurnal Marketing dan Perilaku Konsumen, 3(2), 93–109.
Latifah, M., & Firmansyah, S. (2023). Literasi Keuangan Digital dan Pengelolaan Uang Saku Mahasiswa di Perkotaan. Jurnal Riset Manajemen Keuangan, 5(1), 58–70.
Taufik, M., & Ambarwati, N. (2024). Pengaruh Lingkungan Sosial Digital terhadap Gaya Hidup Konsumtif Mahasiswa. Jurnal Sosiologi Digital, 1(1), 11–25.
Nugroho, Y. D., & Alfiani, K. (2023). Digital Finance and Lifestyle Inflation: A Study Among Urban Gen Z. Jurnal Ekonomi dan Perilaku Milenial, 6(1), 72–86.
Lestari, I. A., & Mukhlis, R. (2024). Financial Peer Support and Budgeting Skills in College Students. Journal of Financial Planning for Youth, 2(2), 109–123.
Rahmatika, D., & Suryawan, T. (2022). Media Sosial dan Perilaku Konsumtif Mahasiswa Gen Z: Studi pada Fitur Shopee Live dan TikTok Shop. Jurnal Inovasi Konsumen Digital, 4(3), 67–82.
Afifah, R., & Widodo, R. A. (2025). How Gen Z Manages Peer Influence in Money-Related Decisions: A Behavioral Perspective. Journal of Gen Z Economic Studies, 1(2), 91–106.
Siregar, N., & Yuliani, S. (2021). Pengaruh Edukasi Keuangan Digital terhadap Sikap Konsumtif Mahasiswa dengan Self-Control sebagai Variabel Mediasi. Jurnal Ekonomi Pendidikan dan Literasi, 5(1), 34–47.
Wibisono, A., & Pratiwi, T. (2023). Online Shopping Addiction and Lifestyle Cues in Gen Z Consumers. Jurnal Psikologi dan Ekonomi Perilaku, 4(2), 122–135.
Pramudya, I., & Ratnasari, P. (2022). Gen Z and the Instant Gratification Trap: Effects of PayLater and BNPL Services on Financial Behavior. Journal of Financial Technology and Youth, 3(1), 44–59.
Rohman, T., & Setyaningsih, S. (2021). Interpersonal Influence and Materialism as Predictors of Shopaholic Behavior in Adolescents. Jurnal Psikologi Sosial Indonesia, 10(2), 119–134.
Mariana, D., & Fikri, A. (2023). Kecemasan Sosial dan Pembelian Impulsif pada Mahasiswa Pengguna Media Sosial. Jurnal Psikologi Remaja Digital, 5(1), 77–92.
Kusuma, N. L., & Prasetya, W. (2024). Gadget Usage Intensity and Its Impact on Budget Allocation among Gen Z Students. Jurnal Ekonomi Perilaku Generasi Z, 2(1), 52–66.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Aula Afif Kurniawan, Karuniana Dianta A. Sebayang, Siti Fatimah Zahra (Author)
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
