MEMBANGUN KESADARAN FINANSIAL GENERASI Z MELALUI PROGRAM DIGITAL SPENDING SMART PLANNING: STUDI PKM DI SMK AS-SU'UDIYYAH TANGERANG SELATAN
DOI:
https://doi.org/10.58174/1r85xg51Keywords:
Financial Awareness, Generation Z, Digital Spending, Smart Planning, Financial LiteracyAbstract
The ease of digital transactions has encouraged uncontrolled consumptive behavior among Generation Z, particularly vocational high school students. This community service-based research (PKM) aims to describe the implementation of the Digital Spending Smart Planning program as a financial awareness-building intervention model for Generation Z at SMK As-Su'udiyyah, South Tangerang. The activity was carried out using a participatory training method based on experiential learning, encompassing digital spending material delivery, smart planning workshops, financial creative content creation, and reflective quiz-based evaluation. A total of 35 students actively participated throughout the program. Pre-test and post-test measurements showed an average improvement in participant understanding of 74.8%, with the highest gain in smart planning/budgeting skills at 95.4%. The program successfully built reflective financial awareness while fostering commitments to wiser and more planned financial behavior among participants. These findings affirm the relevance of contextual training-based PKM programs as an effective strategy for empowering digital financial literacy among Generation Z in vocational school settings.
References
Amagir, A., Groot, W., Maassen van den Brink, H., & Wilschut, A. (2023). Financial literacy of high school students in the Netherlands. Citizenship, Social and Economics Education, 22(1), 2–19. https://doi.org/10.1177/14788047221142823
Bank Indonesia. (2022). Edukasi finansial digital: Bijak dalam bertransaksi di era cashless. Bank Indonesia. https://doi.org/10.2139/ssrn.4098217
Bucher-Koenen, T., Alessie, R., Lusardi, A., & van Rooij, M. (2022). Fearless woman: Financial literacy and stock market participation. Journal of Corporate Finance, 76, 102232. https://doi.org/10.1016/j.jcorpfin.2022.102232
Consumer Financial Protection Bureau (CFPB). (2022). Buy now, pay later: Market trends and consumer impacts. CFPB Research Report. https://doi.org/10.2139/ssrn.4204678
Deloitte. (2023). 2023 Gen Z and Millennial Survey: Waves of change. Deloitte Insights. https://www2.deloitte.com/global/en/pages/about-deloitte/articles/genzmillennialsurvey.html
Demirguc-Kunt, A., Klapper, L., Singer, D., & Ansar, S. (2022). The Global Findex Database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19. World Bank Group. https://doi.org/10.1596/978-1-4648-1897-4
Handayani, M., & Hartono, P. (2023). Smart spending strategy for Gen Z consumers in the digital era. Journal of Consumer Studies, 4(1), 15–28. https://doi.org/10.21831/jcs.v4i1.54312
Kaiser, T., Lusardi, A., Menkhoff, L., & Urban, C. (2022). Financial education affects financial knowledge and downstream behaviors. Journal of Financial Economics, 145(2), 255–272. https://doi.org/10.1016/j.jfineco.2021.09.022
Klapper, L., & Lusardi, A. (2023). Financial literacy and financial resilience: Evidence from around the world. Financial Management, 49(3), 589–614. https://doi.org/10.1111/fima.12283
Lusardi, A., & Mitchell, O. S. (2023). The importance of financial literacy: Opening a new field. Journal of Economic Perspectives, 37(4), 137–154. https://doi.org/10.1257/jep.37.4.137
Nugroho, R. (2022). Peningkatan literasi keuangan digital pada generasi Z di Indonesia. Jurnal Literasi Digital, 6(1), 23–30. https://doi.org/10.31849/jld.v6i1.9012
OECD Publishing. (2022). OECD/INFE toolkit for measuring financial literacy and financial inclusion 2022. OECD Publishing. https://doi.org/10.1787/9789264078338-en
Otoritas Jasa Keuangan. (2023). Strategi Nasional Literasi Keuangan Indonesia 2021–2025. OJK. https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/ArticleView/20-strategi-nasional
Pradana, A. R., & Wulandari, N. (2021). Dampak kemudahan transaksi digital terhadap perilaku konsumtif generasi muda. Jurnal Ekonomi dan Pendidikan, 12(2), 45–53. https://doi.org/10.21831/jep.v12i2.38761
Sari, M. P., Baining, M. E., & Saijun, S. (2024). Peran OJK (Otoritas Jasa Keuangan) dalam meningkatkan literasi keuangan pada masyarakat. Jurnal Ilmiah Ekonomi dan Manajemen, 2(3), 55–70. https://doi.org/10.55948/jiem.v2i3.824
Setiawan, B., Rani, S., Emilda, E., Arifin, F., & Utami, D. (2026). Understanding FinTech adoption drivers for digital financial sustainability in urban and rural MSMEs. Risks, 14(4), 77. https://doi.org/10.3390/risks14040077
Urban, C., Schmeiser, M., Collins, J. M., & Brown, A. (2022). The effects of high school personal financial education policies on financial behavior. Economics of Education Review, 78, 101906. https://doi.org/10.1016/j.econedurev.2018.03.006
van Rooij, M., Lusardi, A., & Alessie, R. (2022). Financial literacy, retirement planning and household wealth. The Economic Journal, 122(560), 449–478. https://doi.org/10.1111/j.1468-0297.2012.02501.x
Wardani, L. A., & Fitrayati, D. (2022). Pengaruh literasi keuangan dan sikap keuangan terhadap perilaku pengelolaan keuangan dengan locus of control sebagai variabel intervening. Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan, 4(12), 5827–5836. https://doi.org/10.32670/fairvalue.v4i12.2137
Xiao, J. J., & Porto, N. (2022). Financial literacy overconfidence and financial advice seeking. Financial Services Review, 26(1), 27–51. https://doi.org/10.61190/fsr.v26i1.3454
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Mutiara Cindy Azahra, Maya Syafitri, Syahra Amelia Anggraini
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
