Peran Literasi Keuangan dalam Membentuk Perilaku Pengelolaan Keuangan Mahasiswa Generasi Z di Kota Makassar
Sari
Penelitian ini bertujuan untuk memahami bagaimana mahasiswa Generasi Z di Kota Makassar menerapkan literasi keuangan dalam pengelolaan keuangan sehari-hari, mengidentifikasi faktor yang mendukung dan menghambat penerapannya, serta menganalisis kesenjangan antara pengetahuan dan perilaku keuangan. Penelitian ini menggunakan pendekatan kualitatif dengan desain deskriptif. Data diperoleh melalui wawancara mendalam, observasi, dan dokumentasi terhadap mahasiswa Generasi Z di Kota Makassar. Data dianalisis menggunakan model interaktif Miles, Huberman, dan Saldaña yang meliputi pengumpulan data, kondensasi data, penyajian data, serta penarikan dan verifikasi kesimpulan. Hasil penelitian menunjukkan bahwa mahasiswa telah menerapkan literasi keuangan melalui praktik sederhana, seperti menyisihkan uang untuk tabungan, membagi dana berdasarkan kebutuhan, menetapkan batas pengeluaran, serta mempertimbangkan kebutuhan dan keinginan sebelum melakukan pembelian. Faktor keluarga, pengalaman menghadapi kesulitan keuangan, dan tujuan keuangan menjadi faktor yang mendukung pengelolaan keuangan. Sebaliknya, tekanan teman sebaya, gaya hidup, promosi digital, kemudahan transaksi, dan pengeluaran kecil yang dilakukan secara berulang menjadi faktor penghambat. Penelitian juga menemukan adanya kesenjangan antara pengetahuan dan perilaku keuangan. Meskipun mahasiswa memahami pentingnya menabung, mengatur anggaran, dan menghindari utang konsumtif, penerapannya belum selalu konsisten karena dipengaruhi oleh kondisi emosional, stres, FOMO, tekanan sosial, dan kemudahan transaksi digital. Dengan demikian, pengelolaan keuangan mahasiswa tidak hanya membutuhkan pengetahuan keuangan, tetapi juga kemampuan mengendalikan diri dan mengambil keputusan secara disiplin.
Teks Lengkap:
DOWNLOAD PDFReferensi
Ajzen, I. (1985). From intentions to actions: A theory of planned behavior. Dalam J. Kuhl & J. Beckmann (Eds.), Action Control: From Cognition to Behavior (pp. 11–39). Springer-Verlag.
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Arikunto, S. (2019). Prosedur Penelitian: Suatu Pendekatan Praktik. Rineka Cipta.
Artia, W. O. T., & Munandar, A. (2024). Pengaruh e-literacy terhadap perencanaan keuangan Generasi Z. Jurnal Impresi Indonesia (JII).
Baumeister, R. F. (2002). Yielding to temptation: Self-control failure, impulsive purchasing, and consumer behavior. Journal of Consumer Research, 28(4), 670–676. https://doi.org/10.1086/338209
Creswell, J. W. (2016). Research Design: Pendekatan Kualitatif, Kuantitatif, dan Mixed. Pustaka Pelajar.
Creswell, J. W., & Creswell, J. D. (2018). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches (5th ed.). SAGE Publications.
Fishbein, M., & Ajzen, I. (1975). Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research. Addison-Wesley.
Gudmunson, C. G., & Danes, S. M. (2011). Family financial socialization: Theory and critical review. Journal of Family and Economic Issues, 32(4), 644–667. https://doi.org/10.1007/s10834-011-9275-y
Iqnatia, & Bidhari, S. C. (2026). QRIS in the hands of Gen Z: Balancing lifestyle, literacy, and locus of control. JAF (Journal of Accounting and Finance), 10(1), 13–30.
Iskandar, F. A., Fikry, M., & Rosnita, L. (2025). Financial management system for final-year university students implementing a rule-based method on the Android platform. International Journal of Engineering, Science and Information Technology, 5(1), 244–253. https://doi.org/10.52088/ijesty.v5i1.703
Kolb, D. A. (1984). Experiential Learning: Experience as the Source of Learning and Development. Prentice-Hall.
Lincoln, Y. S., & Guba, E. G. (1985). Naturalistic Inquiry. SAGE Publications.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.
Mendoza, R., & Bael, J. (2022). Mobile wallet adoption and digital micro-spending behaviors among Generation Z. Journal of Financial Services Marketing, 27(3), 189–202.
Miles, M. B., Huberman, A. M., & Saldaña, J. (2014). Qualitative Data Analysis: A Methods Sourcebook (3rd ed.). SAGE Publications.
Moleong, L. J. (2017). Metodologi Penelitian Kualitatif (Edisi Revisi). PT Remaja Rosdakarya.
Nilamsari, N. (2014). Memahami penelitian kualitatif. Jurnal Unair, 13(2), 177–181.
Noor, S. S. N., & Fatihat, G. G. (2025). The influence of FOMO (fear of missing out), instant gratification, and financial literacy on buy now pay later (BNPL) usage among Generation Z university students in Indonesia. Portal Jurnal Universitas Negeri Jakarta (UNJ).
OECD. (2026). OECD Releases 2026 Toolkit for Measuring Global Financial Literacy. The Policy Edge.
Otoritas Jasa Keuangan (OJK). (2024). Edukasi Keuangan: Literasi Keuangan. Otoritas Jasa Keuangan.
Otoritas Jasa Keuangan (OJK), Lembaga Penjamin Simpanan (LPS), & Badan Pusat Statistik (BPS). (2026). Siaran Pers Bersama: Indeks Literasi dan Inklusi Keuangan Masyarakat Meningkat, OJK, LPS, dan BPS Umumkan Hasil Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) Tahun 2026. Otoritas Jasa Keuangan.
Perry, V. G., & Morris, M. D. (2005). Who is in control? The role of self-perception, knowledge, and income in explaining consumer financial behavior. Journal of Consumer Affairs, 39(2), 299–313. https://doi.org/10.1111/j.1745-6606.2005.00016.x
Prelec, D., & Loewenstein, G. (1998). The red and the black: Mental accounting of savings and debt. Marketing Science, 17(1), 4–28. https://doi.org/10.1287/mksc.17.1.4
Putri, S. P. A., & Maiyaliza. (2026). The influence of financial literacy and fintech payment behavior on healthy financial management behavior: The mediating role of financial self-control among Generation Z. Journal of Management Small and Medium Enterprises (SME’s), 19(2), 765–776.
Rahmatullah, Adnyana, I. N. S., Sukardi, D., & Murdiyono. (2022). Financial literacy analysis management on financial management behavior of Satyagama University students. Nusantara Hasana Journal, 2(7), 317–319.
Sari, A. P. (2026). Pengaruh literasi keuangan dan gaya hidup konsumtif terhadap perilaku penggunaan aplikasi pinjaman online pada Generasi Z (Gen Z) di wilayah Jakarta Utara. Integrative Perspectives of Social and Science Journal (IPSSJ), 3(3), 1116–1126.
Saunders, M., Lewis, P., & Thornhill, A. (2018). Research Methods for Business Students (8th ed.). Pearson Education.
Sihombing, A., Stevanus, M., & Aliyah, N. (2025). The impact of fear of missing out (FOMO) on the financial behavior of Generation Z: The development of a sustainable digital financial literacy learning model in Bangka Belitung Islands Province. Scripta: Jurnal Ilmiah Mahasiswa, 7(4), 281–302.
Sriwidharmanely, Bangun, C. S. P., Hatta, B., Putra, D. A., & Rahmat, A. (2025). Financial literacy and financial attitudes: The role of student demographics. Proceeding of International Conference on Accounting & Finance (InCAF), 3, 322–333.
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.
Susanti, E. N., Alimudin, M., & Suswandari. (2025). Analisis literasi keuangan, gaya hidup, dan budaya digital mahasiswa di Jakarta: Studi pada Generasi Z. Sosio e-Kons, 17(3), 292–298. http://dx.doi.org/10.30998/k0bd2s82
Sutrisno, H., & Yasmin, S. M. (2025). Digital applications and the transformation of financial record-keeping among Generation Z. Jurnal Ilmiah Ekonomi Manajemen dan Bisnis, 3(4), 184–192.
Tanjung, M. A., Hardana, A., Harahap, T. N., & Nasutin, A. (2026). The effect of financial literacy and e-wallet use on students' consumer behavior. Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory, 4(2), 1252–1268.
Thaler, R. H. (1999). Mental accounting matters. Journal of Behavioral Decision Making, 12(3), 183–206. https://doi.org/10.1002/(SICI)1099-0771(199909)12:3<183::AID-BDM318>3.0.CO;2-F
Umakanth, S., Reganti, A. M., Lahoti, M., Sethia, T., Bafna, D., Jain, T., & Chetan, G. V. (2025). Digital finance and Gen Z: The impact of fintech on modern money management. International Journal of Research Publication and Reviews, 6(3), 7352–7362.
Wadiah, M., Zindan, A. F., & Agustina, A. Y. (2025). The relationship between financial literacy and savings behavior among Jakarta college students in the digital age. JASIE: Journal of Aswaja and Islamic Economics, 4(2), 111–121. https://doi.org/10.3194/jse.v1i1.6877
Xiao, J. J., Chen, C., & Chen, F. (2014). Consumer financial capability and financial satisfaction. Social Indicators Research, 118, 415–432. https://doi.org/10.1007/s11205-013-0414-8
Xiao, J. J., Tang, C., & Shim, S. (2011). Acting on good intentions: The transition from financial knowledge to financial behavior among young adults. Journal of Financial Counseling and Planning, 22(2), 23–37.
DOI: https://doi.org/10.37531/bijac.v7i2.12732
Refbacks
- Saat ini tidak ada refbacks.
Ciptaan disebarluaskan di bawah Lisensi Creative Commons Atribusi-BerbagiSerupa 4.0 Internasional