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The regeneration of farmers became crucial in improving the competitiveness of the agricultural sector, especially for millennial farmers. However, the empowerment approaches that were implemented had not been fully optimal. Empowerment often focused only on the implementation of government programs without the active involvement of millennial farmers. This study aimed to analyze the factors that influenced the empowerment process of millennial farmers and to formulate strategies that could be applied in Kapanewon Patuk, Gunungkidul Regency. This research employed a qualitative method with a case study approach, involving interviews, observations, and Focus Group Discussions (FGDs). The analysis used was SWOT and QSPM analysis. The results of the study showed that the involvement of successful farmers played an important role in increasing knowledge, skills, and technology adoption among millennial farmers. In addition, strengthening institutions and farmer groups became an effective strategy in supporting the empowerment process. The conclusion of this study confirmed that a participatory model-based empowerment strategy, by optimizing the support of successful farmers and integrating technology, could enhance the sustainability of horticultural farming. The government and agricultural extension workers needed to design a more adaptive approach, utilize the potential for collaboration with various stakeholders, and strengthen marketing networks to improve the competitiveness of millennial farmers

Recently, the public has been shocked by the high number of bad debts among Millennials. The development of digital technology brings various conveniences, but also presents new threats to children and teenagers. The high percentage of online loan borrowers aged 19-34 years, as well as children who are caught in online gambling, is a major concern. Around 60 percent of online loan users (pinjol) have an easy target of young people aged 19-34 years, and even 80 thousand children under the age of 10 are caught in online gambling (judol). The problem is, the Millennial generation or those aged 19-34 years are the largest "contributors" to these bad debts. Various experts say that the Millennial generation is in debt because of the Fear of Missing Out (FOMO) phenomenon, aka following trends so as not to feel "left behind". Some other experts think that their financial literacy is low.

Recently, people have been shocked by the high level of bad credit among Millennials. Based on the findings of the Otoritas Jasa Keuangan (OJK) (Wibowo, 2024), the number of bad loans for more than 90 days in the peer-to-peer (P2P lending) financial technology industry, or what is known as loans for the individual category, has reached IDR 1,73 trillion as of May 2023. The problem is, the Millennial generation or those aged 19-34 years are the biggest "contributors" of bad credit. Various experts say that the Millennial generation is in debt due to the Fear of Missing Out (FOMO) phenomenon, aka following trends to feel like they are not "missing out". Some other experts think that their financial literacy is low.