GEN-Z FINANCIAL PLANNER: KOMUNIKASI BIJAK MENGELOLA CASHLESS LIFESTYLE DAN GAYA HIDUP KONSUMTIF PADA SISWA SMK NURUL HIKMAH CIPONDOH TANGERANG
DOI:
https://doi.org/10.32493/j.png.v3i2.62519Keywords:
Generasi Z, Literasi Keuangan, Cashless, Perilaku Konsumtif, KomunikasiAbstract
Perkembangan teknologi digital telah mendorong meningkatnya penggunaan sistem pembayaran non-tunai (cashless), khususnya di kalangan Generasi Z. Kemudahan ini di satu sisi memberikan efisiensi, namun di sisi lain berpotensi memicu perilaku konsumtif akibat rendahnya literasi keuangan dan pengaruh media sosial. Permasalahan ini juga ditemukan pada siswa SMK Nurul Hikmah Tangerang yang belum sepenuhnya memahami pengelolaan keuangan secara bijak. Kegiatan Pengabdian Kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan literasi keuangan serta kesadaran siswa dalam mengelola gaya hidup cashless. Program dilaksanakan melalui seminar “Gen-Z Financial Planner: Komunikasi Bijak Mengelola Cashless Lifestyle dan Gaya Hidup Konsumtif” dengan metode penyuluhan, diskusi interaktif, studi kasus, dan simulasi pada 5 Mei 2026. Hasil kegiatan menunjukkan peningkatan pemahaman siswa mengenai pengelolaan keuangan, kemampuan membedakan kebutuhan dan keinginan, serta keterampilan menggunakan dompet digital secara bijak, sehingga mampu meminimalisir gaya hidup konsumtif. Intervensi komunikasi persuasif terbukti efektif mengubah kognisi dan afeksi siswa menuju perilaku ekonomi yang lebih rasional dan terencana.
The development of digital technology has driven an increase in the use of non-cash payment systems (cashless), especially among Generation Z. This convenience provides efficiency on the one hand, but on the other hand, it has the potential to trigger consumptive behavior due to low financial literacy and social media influence. This problem is also found in students of SMK Nurul Hikmah Tangerang who do not fully understand wise financial management. This Community Service (PKM) activity aims to improve financial literacy and students' awareness in managing a cashless lifestyle. The program was implemented through a seminar “Gen-Z Financial Planner: Wise Communication in Managing Cashless Lifestyle and Consumptive Behavior” using counseling, interactive discussion, case study, and simulation methods on April 13, 2026. The results showed an increase in students' understanding of financial management, the ability to distinguish needs from wants, and skills in using digital wallets wisely, thereby minimizing consumptive lifestyles. Persuasive communication interventions have proven effective in changing students' cognition and affection towards more rational and planned economic behavior.
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