Pengaruh budaya instan terhadap perilaku keuangan Gen Z
Studi pada kesadaran risiko dan pemanfaatan bank syariah
Abstract
The digital era has formed an instant culture that greatly influences the mindset and behavior of Generation Z (Gen Z), especially in long-term decision making. Instant culture encourages the desire for quick results and instant gratification, which has an impact on low long-term risk awareness, especially in financial behavior. This study aims to examine the characteristics of instant culture among Gen Z and its implications for financial planning, risk management, and interest in Islamic financial services. Through a descriptive-qualitative approach with literature analysis, it was found that instant culture contributes to impulsive consumption patterns, minimal financial planning, and psychological stress due to expectations of instant success. However, there is an opportunity that Islamic financial values such as fairness, transparency, and sustainability can be an alternative solution in shaping the financial behavior of Gen Z to be more risk-aware and long-term oriented. The results of this study are expected to be a reference in developing an Islamic financial literacy strategy that is adaptive to the digital and psychological characteristics of Gen Z.
Downloads
References
Abdulah, A. Z., Suerni, T., & Nurochmah, E. (2023). Masalah Kesehatan Mental Generasi Z Di Rumah Sakit Jiwa. Jurnal Keperawatan Jiwa (JKJ): Persatuan Perawat Nasional Indonesia, 11(2), 267–272. https://doi.org/10.26714/jkj.12.2.2024.267-272
Arnoldus, R. C., Kusumawardhani, R., & Rinofa, R. (2025). Pengaruh Literasi Keuangan , Sikap Keuangan , Locuf of Control dan Gaya Hidup Terhadap Perilaku Kuangan Gen Z di Yogyakarta. MANKEU Jurnal Manajemen Terapan Dan Keuangan, 14(01), 153–164. https://doi.org/10.22437/jmk.v14i01.38678
Asyarofah, W., Vidiati, C., & Selasi, D. (2023). Pemahaman Berinvestasi Melalui Financial Tecnology (Fintech) Pada Generasi Gen Z. Journal Of Islamic Digital Economic and Management, Vol. 1 No.(1), 164–171.
Budiatmaja, R. (2022). Budaya Karakter Dan Moral Remaja Masa Kini Merupakan Strategi Tepat Pencegahan Korupsi. The Way Jurnal Teologi Dan Kependidikan, 8(1), 69–81. https://doi.org/10.54793/teologi-dan-kependidikan.v8i1.88
Fitriani, L., Nida, A. S. A., & Slamet, S. (2022). Penanaman empati digital di era social society 5.0. Jurnal Pendidikan: Riset Dan Konseptual, 6(4), 584–592. http://repository.uin-malang.ac.id/12283/
Fotaleno, F., & Batubara, D. S. (2024). Fenomena Kesulitan Generasi Z dalam Mendapatkan Pekerjaan Ditinjau Perspektif Teori Kesenjangan Generasi. Jurnal Syntax Admiration, 5(8), 3199–3208. https://doi.org/10.46799/jsa.v5i8.1513
Hafiz, M., & Haqqi, N. (2025). Exploring generation zÕs fascination with Jakarta art museum through social media contents. Jurnal Studio Komunikasi, 9(3), 123–138. https://doi.org/10.25139/jsk.v9i1.9200
Ikhwan, D. A., Adha, M. A., Pambudi, D. S., & Dahlan, U. A. (2024). Regiosity , Digital Marketig and Decision to Become a Bank Syariah Indonesia Customer: Motivation as Moderation. 13(2), 163–181. https://doi.org/10.46367/iqtishaduna.v13i2.1964
Maulidah, H., Krisdiyawati, K., & Utami, E. U. S. (2022). Peran Financial Technology Berbasis Digital Payment System E-Wallet dalam Meningkatkan Literasi Keuangan. Owner, 6(4), 3324–3332. https://doi.org/10.33395/owner.v6i4.1105
Murnitasari, A. M., Malika, K. P., W.P, L. A., Amalia, P., Rachmadyna, A., Elyasin, I., & Dewi, L. (2024). Membangun Kekuatan Mental Pada Gen Z Di Era Digital di Panti Baitul Walad Samarinda. Jurnal Pengabdian Masyarakat Indonesia, 4(1), 183–191. https://doi.org/10.52436/1.jpmi.2089
Ningtyas, M. N., Fikriah, N. L., Pradana, A. W. S., & Prista, A. N. (2024). Pengaruh media sosial dan perilaku komunitas online terhadap keputusan investasi dengan literasi keuangan digital sebagai variabel mediasi: Studi pada generasi z Muslim di Indonesia. https://repository.uin-malang.ac.id/21710/
Nur Miyazaki, A. F., Buabara, H., Rahmi, A. N., Rusmayadi, R., & Herman, H. (2024). Tantangan dan Solusi Dalam Menghadapi Era Digital: Pendidikan Anak di Zaman Teknologi. JUPEIS : Jurnal Pendidikan Dan Ilmu Sosial, 3(3), 127–135. https://doi.org/10.57218/jupeis.vol3.iss3.1149
Putri, A. I. C. (2021). PERILAKU IMPULSE BUYING GENERASI-Z MELALUI SHOPEE SELAMA COVID-19 DALAM PERSPEKTIF ETIKA BISNIS ISLAM. Pharmacognosy Magazine, 75(17), 399–405.
Putri, R. A. (2016). Hubungan Literasi Keuangan Syariah dan Content Marketing Terhadap Keputusan Menabung Generasi Z Pada Bank Syariah Indonesia di Tangerang Selatan. 1–23.
Rahayu, I. T., Wahyuni, E. N., Mangestuti, R., & Fatahillah, F. R. (2024). Mengndalikan Pola Pikir dan Emosi. Diva Press, Yogyakarta. http://repository.uin-malang.ac.id/22477/
Rodliyah, U. (2024). Strategi Peningkatan Kemampuan Literasi Informasi Generasi Z. Jurnal Kajian Ilmu Perpustakaan, Informasi Dan Kearsipan, 10(1), 77–90. https://doi.org/10.14710/lenpust.v10i1.57381
Rufaid, B. S. (2023). Pengaruh Gaya Bahasa Generasi Z dalam Berbahasa Indonesia di Era Globalisasi terhadap Keutuhan Bahasa Indonesia. AT-TAWASSUTH: Jurnal Ekonomi Islam, VIII(I), 1–19. https://doi.org/10.20961/transling.v3i3.82707
Sa’adah, L., Gangga, F., Janah, T. M., & Fadhilah, B. A. (2025). Faktor-Faktor yang Mempengaruhi Keputusan Generasi Z dalam Berinvestasi ( Studi pada Mahasiswa Universitas Kh. A Wahab Hasbullah ). Jurnal Riset Manajemen, 3, 01–11. https://doi.org/10.54066/jurma.v3i1.2901
Salsabila, F. L., Widiyanarti, T., Ashari, S. D., Zahra, T., & Ayu, S. (2024). Pengaruh Globalisasi terhadap Perubahan Komunikasi antar Budaya pada Generasi Z Pola. Indonesia Culture And Religion Issues, 1(4), 1–13. https://doi.org/10.47134/diksima.v1i4.110
Sari, R. K., Supriyono, & H, Ag. S. (2024). ANalisis Pembelian Impulsif Produk Ditinjau Dari Perspektif Belanja Hedonis, Live Shopping E-Commerce, Fasilitas Pay Later, dan Literasi Finansial (Studi Kasus Generasi Z Pada Pelajar Smk Pgri 1 Kudus). Pendas : Jurnal Ilmiah Pendidikan Dasar, 09(3), 316–340.
Satrio, M. B., & Iqbal, M. (2022). Faktor Pengetahuan dan Religiusitas Generasi Z Terhadap Minat Menabung di Bank Syariah. Malia (Terakreditasi), 13(1), 93–106. https://doi.org/10.35891/ml.v13i1.2795
Setiawan, I., Cempaka, fauzia G., & Reksoprodjo, Y. (2024). Pancasila Sebagai Landasan Gen Z dalam Mempertahankan Nilai Persatuan Pada Era Globalisasi. Jurnal Pancasila Dan Kewarganegaraan, 9(1), 54–65. https://doi.org/10.24269/jpk.v9.n1.2024.pp54-65
Wahyuni, L., & Sukti, S. (2025). Nilai Praktik Ekonomi Islam pada Lembaga Bisnis Syariah. MISTER: Jurnal of Multidisciplinary Inquiry In Science Tecnology and Educational Research, 2(1), 906–916. https://doi.org/10.32672/mister.v2i1.2582
Wibowo, W., & Ayuningtyas, F. (2024). Generasi Z Sebagai Konsumen Masa Depan: Karakteristik, Preferensi, Dan Tantangan Baru. BUANA KOMUNIKASI: Jurnal Penelitian Dan Studi Ilmu Komunikasi, 05(02), 90–99. https://doi.org/10.32897/buanakomunikasi.2024.5.2.3937
Copyright (c) 2025 Laila Mar'atus Sholikhah
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
