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Veri Arinal; Nandang Sutisna; Nova Dahliyanti; Dinda Raudhatul Jannah

International Journal of Applied Mathematics and Computing 2026 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

This study aims to develop a financial saving application to improve the saving habits of students, particularly in Islamic boarding schools, through an adaptive challenge approach. The system integrates a mobile iOS application with a backend service and Large Language Model (LLM) processing via Ollama. Transaction data entered by users is processed by the backend to generate contextual and personalized saving challenges, applying Reinforcement Learning concepts in an adaptive and data-driven manner. The research adopts a descriptive quantitative method using surveys and system testing with 50 respondents. Results indicate that the application functions as designed, with no significant bugs detected. User evaluation shows high satisfaction, with an average score of 4.3 out of 5, covering ease of use, interface design, and increased awareness of saving. The combination of gamification, reward systems, and adaptive personalization successfully motivates users to save regularly. This system demonstrates the potential of integrating AI-driven personalization to strengthen financial literacy and healthy financial habits among students in a fun and interactive way.methods, and a summary of the results. The abstract should end with a comment about the significance of the results or conclusions brief.

Yuma Akbar; Frencis Matheos Sarimolle; Dwi Swasono Rachmad; Muhammad Derry Oktaviandi

International Journal of Applied Mathematics and Computing 2026 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

This study aims to analyze public sentiment toward the hashtag #KaburAjaDulu, which has circulated widely on the social media platform X (formerly Twitter). The hashtag reflects the growing anxiety among the public, especially younger generations, regarding socio-political issues in Indonesia. The data were collected using web scraping techniques, focusing on user-generated tweets that contain the hashtag. A comprehensive text preprocessing phase was conducted to clean the raw data by removing irrelevant elements such as URLs, emojis, numbers, and punctuation. The research applies a hybrid classification approach using a combination of Support Vector Machine (SVM) and Random Forest algorithms to categorize sentiment into three classes: positive, negative, and neutral. The performance of the model was evaluated using metrics such as accuracy, precision, recall, and F1-score to determine the effectiveness of the classification. The study aims to demonstrate that combining algorithms can improve classification performance compared to using a single algorithm. This research contributes to the field of sentiment analysis and provides valuable insights for researchers, policymakers, and social observers in understanding public opinion trends in digital media.

Nuril Hidayah; Muhammad Suwigyo Prayogo; Hanifatul Nur Aisyah; Khilyatur Rohmah

Algoritma : Jurnal Matematika, Ilmu pengetahuan Alam, Kebumian dan Angkasa 2026 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

This study aims to examine the debate regarding the effectiveness of traditional learning methods in science education at Madrasah Ibtidaiyah (MI) amid the development of educational digitalization. The study employed a qualitative approach with a case study design conducted in Jember Regency for three months, from February to April 2026. The research informants consisted of 16 participants, including madrasa principals, teachers, parents, and community members. Data collection techniques were carried out through interviews, observations, and documentation, which were then analyzed using descriptive qualitative techniques. The findings revealed that traditional methods are still considered effective in helping students understand basic science concepts because the learning process is systematic and easy to comprehend. However, limited access to technology in several schools remains an obstacle to the equal implementation of digital learning. In addition, although digital learning can increase students’ motivation and engagement, it does not necessarily lead to an optimal improvement in conceptual understanding. Therefore, this study concludes that a combination of traditional and digital learning methods is the most appropriate approach in science learning at elementary schools and Madrasah Ibtidaiyah, considering students’ needs as well as the availability of facilities and infrastructure. structure.

Dadang Iskandar Mulyana; Sopan Adrianto; Tatinia Arda Rizqi Amalia; Putri Elsa Widiastuti

International Journal of Electrical Engineering, Mathematics and Computer Science 2026 Asosiasi Riset Teknik Elektro dan Infomatika Indonesia

Sign language recognition is one of the areas of image recognition and image processing technology that is developing rapidly in human-computer interaction. This technology really helps the deaf and speech impaired in communicating with non-disabled people. This research aims to examine the optimization of an object tracking system in sign language using the Gaussian Mixture Model (GMM) and Kalman Filter by including the Region of Interest (ROI). The proposed system consists of three main components, namely hand detection, object extraction, and classification. Hand detection is done using the Kalman Filter to track hand movements accurately. Next, Region of Interest (ROI) features, such as shape, direction and movement features, are extracted from the detected part of the hand. These features are fed into a Gaussian Mixture Model (GMM) classifier, which can recognize sign language based on the extracted features. With the combination of GMM and Kalman Filter in this research, it can increase accuracy in object tracking, reduce interference from the background, and ensure the tracking focus remains on important objects. The dataset used is in the form os SIBI alphabet symbols, namely A-Z with the amount of data for each class, namely 620 images. Based on the research result, model testing using GMM, Kalman Filter and ROI produces higher accuracy of 99%, while model testing using GMM and ROI produces accuracy of 90%.

Irkhamilatul Faizah; Naily El Muna; Ashlihah Ashlihah

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to understand the role of E-Commerce in building customer loyalty, explain the process of loyalty formation, and assess how customers perceive service quality in relation to loyalty, using the GoFood service in Jombang as a case study. The rapid growth of online food delivery services has intensified competition, making customer loyalty a critical factor for sustainability. Employing a qualitative case study approach, data were collected through in-depth interviews with 30 GoFood customers and several drivers in the Jombang area. The findings reveal that E-Commerce platforms significantly enhance loyalty through user-friendly application interfaces, supporting features (such as live tracking, history, and digital payments), and beneficial promotions. The loyalty formation process occurs gradually through consistent positive experiences, moving from customer satisfaction to trust, and ultimately to habitual use. Crucially, the quality of driver services—including politeness, effective communication, punctuality, and order accuracy—emerged as a key determinant of customer comfort and repeat orders. This study implies that for E-Commerce platforms to maintain a competitive edge, strategies must integrate digital convenience with consistently reliable human interactions. The research contributes empirical insights from a semi-urban Indonesian context, highlighting that customer loyalty is not merely transactional but is built on a combination of technological ease, economic value, and positive interpersonal service experiences.

Landreas Utama Lie; Sudarmiatin Sudarmiatin; Heri Pratikto

International Journal of Economics and Management Sciences 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The objective of this study is to develop a theoretical framework that can be used to identify the key resources and capabilities involved in the globalization process. This case study aims to examine how export-oriented small businesses in Indonesia achieve success at the international level. To obtain qualitative data, in-depth interviews were conducted with the Makmur Susanti Group, an MSME in Tulungagung, East Java. This study, based on the Resource-Based View (RBV), demonstrates how dynamic capabilities in production, networking, marketing, learning, legal, and synergistic areas contribute to the formation of competitive advantages that support business sustainability and continuity. The study indicates that success in internationalization requires a combination of capabilities that can meet market needs, rather than a single capability. This study contributes to the literature by offering a comprehensive framework of the internationalization process and providing practical insights for policymakers and practitioners aiming to enhance the competitiveness of SMEs. The research findings underscore the importance of capability development and government support in facilitating the global expansion of SMEs. Ultimately, this study provides a foundation for further investigation into the dynamic capabilities required for SMEs to thrive in international markets.

Adit Septian Saepul Millah; Hendi Suhendi

Merkurius : Jurnal Riset Sistem Informasi dan Teknik Informatika 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

The coffee shop industry in Indonesia is experiencing rapid growth that requires business owners to optimize data-driven strategies. This study aims to analyze customer preferences at Semanis Coffee and Resto using data mining methods  to support more effective business decision-making. The method used is Market Basket Analysis with the FP-Growth algorithm for association rule mining and the K-Means algorithm for customer segmentation. The research data consists of 672 sales transactions during the March-May 2025 period. The results of the association analysis with a minimum support of 0.004 and a minimum confidence of 0.2 resulted in five valid rules with a lift ratio above 1. The strongest rule is the combination of Americano→Milk Choco with a confidence of 42.9% and an elevator ratio of 5.229, indicating a strong linkage between products. The most popular products are Milk Choco (10.8%) and Americano (8.5%). Customer segmentation analysis identified three clusters: Cluster 0 (Loyal Customers) 80% with high frequency but low transaction value; Cluster 1 (Occasional Customers) 10% with low activity; and Cluster 2 (Large Buyers) 10% with high transaction value but low frequency. This study concludes that product bundling strategies, loyalty programs, reactivation campaigns, and premium services can be applied to increase the effectiveness of coffee shop businesses.

Cecilia Indah Hapsari; Ery Tri Djatmika; Puji Handayati

Jurnal Manajemen Riset Inovasi 2026 Pusat Riset dan Inovasi Nasional

This study is motivated by the increasing competition in the Muslim fashion industry, which encourages SMEs to develop effective marketing strategies to build brand image. The purpose of this study is to analyze the implementation of the marketing mix (4P) strategy in strengthening the brand image of Bell.Scraft SMEs. This research employs a qualitative approach using a case study design. Data were collected through interviews, observations, and documentation, and then analyzed using the data analysis techniques of Miles, Huberman, and Saldana, which include data condensation, data display, and conclusion drawing. The results indicate that the product aspect is carried out through continuous trend research and market needs analysis, the pricing aspect applies a combination of cost-based and value-based approaches, the distribution aspect utilizes a multichannel strategy through resellers, social media, and marketplaces, while the promotion aspect focuses on trust-based digital strategies through authentic content and influencers. Overall, the implementation of the marketing mix (4P) supports the strengthening of Bell.Scraft’s brand image amid market competition. The implications of this study suggest that the use of integrated and digital-based marketing strategies can enhance the competitiveness of SMEs and build long-term relationships with consumers.

Alfonsus Mudi Aran

International Journal of Christian Education and Philosophical Inquiry 2026 Asosiasi Riset Ilmu Pendidkan Agama dan Filsafat Indonesia

This study explores the integration of Creativity Education and Growth Mindset in Catholic Religious Education (CRE) at Senior High Schools and examines its alignment with the Sustainable Development Goal (SDG) 4, focusing on quality and inclusive education. Using a Systematic Literature Review based on the PRISMA 2020 protocol, the study analyzed 1,263 articles from scientific databases, narrowing down to 106 relevant studies. The findings highlight that Creativity Education fosters critical thinking, cognitive flexibility, problem-solving, and the integration of moral and spiritual values. Growth Mindset enhances students’ intrinsic motivation, perseverance, and resilience, creating an adaptive, innovative, and inclusive learning environment. The synthesis led to the development of an integrative learning model, which includes the Creative Reflective Learning Cycle, Faith-Based Project Learning, Creative Growth Dialogue, and Digital Creativity Integration. This model aims to holistically develop students’ cognitive, creative, moral, and spiritual capacities. The study demonstrates that the combination of Creativity Education and Growth Mindset enriches CRE pedagogical practices and supports the development of 21st-century skills, such as critical thinking, collaboration, digital literacy, and moral literacy. It concludes that project-based learning, digital technology integration, and curriculum adjustments are vital steps in improving learning quality and inclusiveness. The study recommends further empirical research to test the effectiveness of the proposed model.

Anjelina Mentari Rustandi; Fathoni Mahardika; Dani Indra Junaedi

Repeater : Publikasi Teknik Informatika dan Jaringan 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Waste management remains a critical environmental issue due to the lack of public awareness in separating organic and inorganic waste, resulting in accumulation and environmental pollution This study aims to analyze and evaluate the development of automatic waste sorting systems based on proximity sensors with full-capacity notification using a Systematic Literature Review (SLR) approach.. The proposed system utilizes a combination of sensors, including proximity sensors for material identification and ultrasonic sensors for detecting object presence and bin capacity, integrated with a microcontroller for real-time processing. Additionally, the system is equipped with IoT-based monitoring that allows users to receive notifications when the waste bin reaches its capacity. The research method involves system design, hardware and software integration, and functional testing to evaluate system performance. The results indicate that the system is capable of sorting waste automatically with a high level of accuracy and responsiveness, while also providing real-time monitoring to support waste management operations. The implementation of this system can reduce manual intervention, increase operational efficiency, and promote better waste segregation practices. Furthermore, this study highlights the potential of integrating smart technology into environmental management systems, contributing both theoretically and practically to the development of sustainable waste management solutions.

Oktavianti, Indira; Sudarmiatin Sudarmiatin; Heri Pratikto

International Journal of Economics, Commerce, and Management 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to examine the empowerment of local human resources as a strategic asset in the internationalization process of MSMEs in Sumber Wandhe Wonosalam, Jombang, East Java. This study employs a qualitative case study approach to facilitate the investigation of complex research phenomena, evaluate various perspectives, identify contributing factors, and generate a broad overview. The study indicates that success in internationalization requires a combination of capabilities that can meet market needs, rather than a single capability. Business actors who are able to recognize opportunities for local human resource empowerment can optimize the export process. This enables the region and its residents to maintain generational training in innovative management to address the turnover of the younger generation. Ultimately, this study provides a foundation for further research on the dynamic capabilities required for MSMEs to thrive in international markets.

Dwi Sekar Ningtias; Desi Sri Pasca Sari Sembiring; Najla Lubis

Jurnal Riset Rumpun Ilmu Tanaman 2026 Pusat riset dan Inovasi Nasional

This study aimed to determine the effect of coffee husk waste application and shallot extract soaking on the growth of cat’s whiskers (Orthosiphon aristatus) cuttings. The research employed a factorial Randomized Block Design (RBD) consisting of two factors with 48 experimental plots. The first factor was the application of coffee husk waste, symbolized as “L,” with four treatment levels: L0 = 0 g/polybag (without coffee husk waste), L1 = 75 g/polybag, L2 = 150 g/polybag, and L3 = 225 g/polybag. The second factor was shallot extract soaking, symbolized as “B,” with four treatment levels: B0 = 0 ml/L of water, B1 = 5 ml/L of water, B2 = 10 ml/L of water, and B3 = 15 ml/L of water. Thus, there were 16 treatment combinations with three replications. The observed parameters included time to shoot emergence, number of shoots, plant height, number of leaves, leaf area, and survival percentage. The results showed that the application of coffee husk waste and shallot extract soaking had no significant effect on the growth of cat’s whiskers (Orthosiphon aristatus) cuttings across all observed parameters.

Nursyva Alvira Sumara; Desi Sri Pasca Sari Sembiring; Hanifah Mutia Zaida Ningrum Amrul

Jurnal Riset Rumpun Ilmu Tanaman 2026 Pusat riset dan Inovasi Nasional

The purpose of this study was to determine how the application of Local Microorganisms (LOM) from stale rice and oil palm boiler ash impacts the growth and production of shallots (Allium ascalonicum L.) and to determine the interaction between the two treatments. Shallots are a horticultural commodity with high economic value, so efforts are needed to increase production through the use of environmentally friendly organic materials. The study used a factorial Randomized Block Design (RBD) with two factors and three replications. The first factor was LOM from stale rice with four levels (0, 20, 40, and 60 ml/L water/plot) and the second factor was oil palm boiler ash with four levels (0, 500, 1000, and 1500 grams/plot), resulting in 16 treatment combinations and 48 experimental plots. The parameters observed included plant height, number of leaves, number of tillers, fresh weight of bulbs, dry weight of bulbs, and bulb diameter. If there was a significant effect, the data were tested using analysis of variance (ANOVA). This research is expected to produce scientific data on the use of organic waste as an environmentally friendly fertilizer alternative.

Najma Kamila Zahra; Rosalba Sirly Najia; Cindy Fitria Dwi Nova; Yomanda Yomanda; Camelia Azka

Journal of Educational Innovation and Public Health 2026 Pusat Riset dan Inovasi Nasional

Indonesia, as a tropical country, is exposed to high levels of ultraviolet (UV) radiation, increasing the risk of skin damage. Sunscreen is widely used as a protective measure indicated by the Sun Protection Factor (SPF) value. This study aimed to evaluate the effect of active ingredient variations on SPF values and other influencing factors. A literature review with a descriptive-comparative approach was conducted using research articles published between 2021 and 2026 from Google Scholar, PubMed, ScienceDirect, and Elsevier. A total of seven eligible articles were analyzed. The results showed that the type of active ingredients, concentration, combination of ingredients, and dosage form significantly influence SPF values. Natural ingredients generally produce low to moderate SPF values, while combinations of active ingredients result in significantly higher SPF due to synergistic effects. Increasing the concentration of active ingredients also leads to higher SPF values. Additionally, dosage forms such as creams, serums, sunscreen powder and foundations affect sunscreen effectiveness through their film-forming ability on the skin. In conclusion, the combination of active ingredients and higher concentrations provides more optimal protection against UV radiation.

Rizki Aulia Sari; Rosella Komalasari; Munawar Munawar

Journal of Educational Innovation and Public Health 2026 Pusat Riset dan Inovasi Nasional

Frozen  shoulder or adhesive capsulitis is a chronic condition that causes pain and limited movement in the shoulder joint. Intervention in the early phase (freezing stage) is crucial to prevent more severe functional disabilities, especially in the elderly population. This case study was conducted on a 60-year-old female patient with complaints of pain and stiffness in the right shoulder for one month. Clinical assessment was conducted using the Numeric Rating Scale (NRS) for pain, Manual Muscle Testing (MMT) for muscle strength, goniometry for joint range of motion, and the Shoulder Pain and Disability Index (SPADI) for functional ability. The therapy program was administered in three intervention sessions. After undergoing three therapy sessions, there was a significant reduction in pain intensity, where movement pain decreased from a score of 7 to 5 and pressure pain from 5 to 2. Muscle strength improved from a value of 3 to 4 on the MMT scale. Additionally, the total SPADI score decreased from 66.1% to 50%, indicating an improvement in the patient's functional capacity in daily activities. The multimodal physiotherapy approach has proven effective in reducing pain, increasing muscle strength, and improving shoulder function in elderly patients with early-stage frozen  shoulder. The combination of electro-physical modalities and manual therapy provides more comprehensive clinical outcomes compared to single interventions.

Muh. Ghozy Rezki Ramadan Sitompul; Umi Budi Rahayu; Dyah Wahyu Utami

Journal of Educational Innovation and Public Health 2026 Pusat Riset dan Inovasi Nasional

Background: Carpal Tunnel Syndrome (CTS) is a condition caused by compression of the median nerve at the wrist, resulting in pain, paresthesia, and decreased hand function. This condition is commonly experienced by individuals who perform repetitive wrist activities. Objective: To determine the effectiveness of a combination of neural mobilization exercises and electrotherapy modalities in improving hand function, increasing muscle strength, and reducing pain in a patient with Carpal Tunnel Syndrome. Methods: This study used a case report design involving a 57-year-old female patient (Mrs. Q) who presented with pain and sensory disturbances in the right hand. The intervention was administered for four weeks and consisted of ultrasound therapy, Transcutaneous Electrical Nerve Stimulation (TENS), grip strengthening exercises, and nerve gliding exercises. Outcome measures included pain intensity assessed using the Numeric Rating Scale (NRS), muscle strength evaluated using Manual Muscle Testing (MMT), and functional ability measured using the Wrist Hand Disability Index (WHDI). Results: The evaluation showed a reduction in pain intensity, with resting pain at 0/10, tenderness at 4/10, and movement pain at 4/10. Muscle strength improved from grade 3 to grade 4 based on MMT. Functional ability also improved, as indicated by a 20% reduction in the WHDI score. The combination of these interventions proved effective as a conservative management approach for Carpal Tunnel Syndrome. Conclusion: The administration of ultrasound, TENS, grip strengthening exercises, and nerve gliding exercises over four therapy sessions in Mrs. Q resulted in decreased pain, increased muscle strength, and improved hand functional ability.

Amalia, Syaffira Rizky; Hamdani, Hamdani; Septiarini, Anindita

International Journal of Applied Mathematics and Computing 2026 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

Rice plants (Oryza Sativa L.) are the main staple food commodity in Indonesia, as most of the Indonesian population relies on rice as their primary food. One of the causes of low rice production in Indonesia is that farmers generally cultivate rice improperly, such as in land preparation or land selection. Land suitability in rice cultivation greatly affects crop productivity. A process that can support decisions regarding rice land suitability is the development of a Decision Support System (DSS) website using a combination of the Simple Additive Weighting (SAW) method and the Technique for Order Performance of Similarity to Ideal Solution (TOPSIS). This combination is performed by taking the average (µ) of the final results from the SAW and TOPSIS methods. The final scores of each method are calculated separately, and then the average (µ) of these two results is taken to obtain the final ranking of the alternatives. The data used to determine the suitability of rice land is based on five criteria: soil type, soil pH, rainfall, temperature, irrigation and water supply. The alternative data used in the study includes six alternatives: Sungai Kunjang, Sambutan, Samarinda Utara, Palaran, Loa Janan Ilir, and Samarinda Seberang. The aim of this research is to provide information on alternative solutions to farmers or farmer groups in determining rice land suitability. The results of the combination of the SAW and TOPSIS methods show that the alternative with the highest final score is Samarinda Utara (A3), with a final score of 0.7337. Meanwhile, the alternative with the lowest final score is Sambutan (A2), with a final score of 0.4402.

Rizky Hasanan; Agustina Listiawati; Asnawati

Jurnal Riset Rumpun Ilmu Tanaman 2026 Pusat riset dan Inovasi Nasional

Chrysanthemum is an ornamental plant widely cultivated in Indonesia, with various varieties that have unique and attractive characteristics. Each variety responds differently to changes in light intensity. Providing shade can help regulate the light intensity received by chrysanthemum seedlings during the acclimatization stage. This study aimed to determine the best shade percentage for the acclimatization growth of three chrysanthemum varieties. The research was conducted in the screenhouse of the Faculty of Agriculture, Tanjungpura University, for three months, from October to December 2024. The experiment used a Split Plot Design (Split Plot) with a Randomized Block Design (RBD), consisting of two factors: shade percentage and variety. There were three levels of shade and three chrysanthemum varieties, resulting in nine treatment combinations. Each treatment was repeated three times, with each replication consisting of three sample plants, resulting in 81 experimental units. The shade percentages used were 25% (n1), 50% (n2), and 75% (n3), and the varieties tested were Xanne (v1), Suciyono (v2), and Pinka Pinky (v3). Observed variables included plant survival rate, plant height, stem diameter, internode length, number of internodes, number of flower primordia, leaf color changes, along with supporting data such as temperature, humidity, and light intensity. The results showed that 50% shade was effective in promoting plant height and the number of flower primordia in the three varieties: Xanne, Suciyono, and Pinka Pinky. The Suciyono variety exhibited good vegetative and generative growth under all shade percentages.

Devi Siling; Nobertin Derita Marimbun; Sarce La bi

Nubuat : Jurnal Pendidikan Agama Kristen dan Katolik 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Truancy among high school students continues to be a serious concern that has negative effects on both academic outcomes and social development. This study seeks to analyze the application of reality therapy as an intervention to minimize truancy behavior. The research utilizes a literature review approach by evaluating six relevant scholarly articles published over the past decade. The findings suggest that truancy is caused by a combination of internal factors, such as lack of learning motivation and feelings of boredom, and external factors, including family environment and peer influence. Conventional approaches that rely heavily on punishment and external control are considered less effective in creating lasting behavioral improvements. On the other hand, reality therapy emphasizes personal responsibility, present actions, and self-assessment, allowing students to better understand their behavior and make more positive decisions. The results demonstrate that this approach enhances students’ self-awareness, responsibility, and decision-making abilities. Therefore, reality therapy can be regarded as an effective alternative counseling method to address truancy behavior in schools and to support long-term behavioral change.

Eza Olivia; Deta Elisa; Nuzulla Aurora Brilian; M.Yusuf Bahtiar

Kajian Ekonomi dan Akuntansi Terapan 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study exaimines whether today’s youth represent a “saving generation” or a “forced generation” in respondingto rising inflation.the increasing cost of living has significantly affected young people’s consumption patterns,financial planning,and lifestyle choices.this researchaims to analyze how inflation influences the economic behavior of young people and to identify whether their frugality is driven by financial awereness or economic pressure.the study employs a qualitative descrective approach,using interviews and literature analysis to explore the experience of young individuals in managing their finances amid economic uncertainty.the findings indicate that although some young people demosntrate improved financial literacy and budgeting skills,many are compelled to reduce concumption,postpone personal goals,and limit social activities due to limited income and rising prices.Inflation has reshaped priorites,encouraging survival-oriented financial strategies rather than long-term wealth planning.the study concludes that the current generation reflects a combination of both conscious constraint.therefore,policy interventions,financial educations programs,and employment opportunities are essential to strengthen youth economic resilience.the implications of supporting young people in  developing sustainable financial habits while addressing structural economic challenges that influence their financial stability.