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Afifah Salsabila; Stefanie Inggried Gorap; Yulita Sirinti Pongtambing; Eliyah Acantha Manapa Sampetoding

Jurnal Mahasiswa Kreatif 2026 International Forum of Researchers and Lecturers

This study aims to examine the influence of trust on the perception of transaction security in the use of online shopping applications among millennials. The development of digital technology and the increasing use of online shopping applications have influenced how users assess security risks, personal data protection, and the reliability of transaction systems. This study employs a literature review method by examining relevant previous studies on trust, transaction security, digital risk, and user experience in online shopping. The findings indicate that user trust plays an important role in shaping perceptions of transaction security. Such trust is influenced by the platform’s ability to protect personal data, provide secure payment systems, and ensure smooth transaction processes. The higher the level of user trust in system security, the greater their tendency to use online shopping applications for transactions. Therefore, trust and transaction security are important factors in increasing millennials’ interest and comfort in online shopping.

Wilda Shilviyah Andiyanti; Fairuz Meita Aurelia

Jurnal Penelitian Manajemen dan Inovasi Riset 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Employee engagement is critical to organizational performance, employee well-being, and long-term sustainability. In hybrid work contexts, generational differences have become increasingly evident, particularly between Generation Y and Generation Z employees. Generation Y tends to emphasize work–life balance, career development, and meaningful collaboration, while Generation Z prioritizes flexibility, job security, digital integration, and the use of technology in the workplace. This study adopts a systematic literature review (SLR) approach by synthesizing findings from various peer-reviewed studies related to employee engagement and hybrid work practices across generations. The review focuses on identifying key factors that influence employee engagement in modern work environments. The results indicate that hybrid work can significantly enhance employee engagement when organizations provide flexibility, autonomy, adequate technological support, professional development opportunities, and fair reward systems. In addition, supportive organizational culture and effective leadership are important in maintaining employee motivation and commitment. However, differences in generational expectations require organizations to implement adaptive managerial strategies, including flexible work policies, personalized communication approaches, and inclusive leadership practices to strengthen employee engagement across different generations in hybrid work settings.

Zulfa Zakiatul Hidayah; Erin Soleha

Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Millennials aged 25 to 40 are currently the largest consumer group. Their dynamic lifestyles and social demands make them highly consumptive. The ease of obtaining credit, such as loans and credit cards, through advances in financial technology (FinTech) has further accelerated this trend. Unfortunately, exposure to social media that portrays a consumptive lifestyle encourages many of them to follow trends and buy non-essential items. The lack of financial literacy among young Indonesians often makes them unaware of the consequences of debt, which ultimately erodes the financial independence that is so badly needed in this era. This study aims to prove the relationship between Financial Technology, Lifestyle, and Self-Control that influence Debt Behavior. In addition, it is seen that men and women have different levels of self-control, and this is input for researchers to add gender as a moderating variable in their research. The research method used is a mixed method, more precisely a Sequential Explanatory Design, in which quantitative data is collected and analyzed, then combined with qualitative data to explain or enhance quantitative findings. Primary data was collected through questionnaires and interviews with experts, while secondary data was collected from articles and other reference data. The population used was the community in the city of Jakarta. The sample was collected using accidental sampling techniques, and the statistical test tool used Structural Equation Modeling (SEM) with SmartPLS software.

Zulfa, Aulia; Najicha, Fatma Ulfatun

Jurnal Global Citizen : Jurnal Ilmiah Kajian Pendidikan Kewarganegaraan 2025 Prodi PPKn Universitas Slamet Riyadi

Era globalisasi di mana segala macam arus informasi serta kebudayaan berkembang pesat dan dapat diakses dengan mudah tentu menjadi tantangan tersendiri bagi bangsa Indonesia untuk tetap mempertahankan keutuhannya. Hasil yang terlihat terlihat di lingkungan saat ini, terdapat beberapa poin permasalahan yang disorot dan dinilai memiliki pengaruh besar terhadap generasi muda : 1.) Gaya hidup: 2.) budaya luar ; 3.) liberalisasi ; 4.) teknologi ; 5.) sosial dan moral. Tujuan penulisan jurnal ilmiah ini adalah untuk menekankan kesadaran generasi milenial untuk selalu berjiwa nasionalisme untuk menjaga identitas bangsa serta keutuhan NKRI untuk mencapai tujuan negara di tengah arus globalisasi dan modernisasi.

Muhammad Mifdhol Rahman; Retno Fuji Oktaviani

Jurnal Manajemen Kewirausahaan dan Teknologi 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Investment decision-making among millennials in Indonesia is not only influenced by rational considerations but also by behavioral and psychological factors, which can be explained using the Theory of Planned Behavior (TPB). Millennials represent the most active group in adopting digital financial services and participating in various capital market instruments, making it important to understand the determinants of their investment behavior. This study aims to analyze the influence of financial literacy, risk tolerance, financial attitude, and investment experience on investment decisions among millennial employees. The research employed a quantitative design by distributing structured questionnaires to 100 respondents selected using an incidental sampling technique. The study population consisted of millennial employees working at BRI Tower 2, Jakarta. Data were analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach, processed through SmartPLS version 4.1.1.2. The results indicate that financial literacy, risk tolerance, and financial attitude significantly and positively affect investment decisions, whereas investment experience has a positive but insignificant effect. These findings confirm the TPB framework, in which financial literacy and financial attitude strengthen attitude toward behavior, while risk tolerance reflects perceived behavioral control. However, investment experience alone is not sufficient to consistently shape rational decision-making. This research contributes theoretically to behavioral finance studies and extends the application of TPB in the context of investment behavior. Practically, the findings imply the need for organizations and policymakers to design targeted financial literacy programs and initiatives that foster positive financial attitudes. Strengthening these aspects is expected to encourage sustainable and rational investment practices among young employees in Indonesia.

Febiola Anggun Tri Setyo; Zumrotul Latifah; Ahmad Sidiq; Isma Thayyibah Hanun; Afaful Ummah

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study analyzes the role of millennials and Gen Z in driving the growth of halal e-commerce in Indonesia. The global halal industry is projected to reach US$3.36 trillion by 2028, underscoring the importance of strengthening halal e-commerce in Indonesia, which has the largest Muslim population in the world (Kawsar, 2025). Millennials and Gen Z are the dominant users of the internet and digital marketplaces, thus playing a strategic role in expanding the digital halal economic ecosystem. This study uses a qualitative approach with literature studies and in-depth interviews with consumers and halal digital business actors. The analysis focuses on digital behavior, halal product preferences, and awareness of sharia economic principles. The results show that millennials and Gen Z contribute through three main roles. First, as smart consumers who show high preference and loyalty to certified halal products. Second, as creative business actors who create sharia startups and marketplaces with innovative digital marketing strategies. Third, as agents of change who promote digital halal literacy and strengthen public awareness of the importance of halal products and services. In conclusion, the role of these two generations is not only in consumption, but also in creating a sustainable digital halal business ecosystem, strengthening Indonesia's competitiveness in the global halal industry, and supporting national sharia economic development.

Wahyu Eka Febriliyani; Djudiyah Djudiyah

Jurnal Publikasi Ilmu Psikologi. 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

The development of communication technology today has changed the behavior of individuals in interacting. Social media has become a means for individuals to express themselves and perform self-disclosure. This study aims to find out how expressive writing can increase self-disclosure in millennial Instagram social media users. The research method uses a qualitative approach by conducting in-depth interviews with participants. The results showed that expressive writing can facilitate individuals to express themselves and increase self-disclosure on Instagram social media users. Through expressive writing, individuals can express their feelings, thoughts, and experiences freely without any restrictions. This encourages deeper self-disclosure in millennial Instagram users. The implication of this study is the importance of using expressive writing to facilitate the self-disclosure process in social media users, especially millennials.

Mutia Hasanah

Ikhlas : Jurnal Ilmiah Pendidikan Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

The development of digital technology has brought major changes in the behavior of the millennial and Z generations, including in the religious aspect. This article examines the strategy of internalizing prayer etiquette in the digital era as part of moral education. This study uses a qualitative approach through a literature study of literature on prayer etiquette, the character of the digital generation, and appropriate learning methods. The results of the study indicate that internalization of prayer etiquette among the digital generation must be carried out wisely through the use of digital media, strengthening the role of families and educational institutions, and integrating spiritual values ​​into everyday life. Education on prayer etiquette not only teaches the procedures for worship, but also forms character, such as awareness, solemnity, and discipline. Therefore, a contextual and creative approach is needed so that prayer values ​​can be embedded in the lives of the millennial and Z generations.

Tripitoyo Tripitoyo; Rusmiyati Rusmiyati; Kabri Kabri; Partono Nyana Suryanadi

Jurnal Budi Pekerti Agama Buddha 2025 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Buddhist education in the millennial era faces various internal and external challenges, especially in adapting to the character of the younger generation who are highly dependent on information technology but weak in filtering moral values. Buddhist educational institutions also still face structural problems such as limited human resources, lack of contextual strengthening of Dhamma values, and an institutional image that is not yet strong in society. This study uses a library research method with content analysis and hermeneutics techniques to explore the relevance of Buddhist teachings to the dynamics of modern education. In the context of the Merdeka Belajar policy, Buddhist education has a great opportunity to transform through a flexible learning approach, strengthening student character, integrating spiritual values, and improving education management. In addition, the implementation of Buddhist leadership principles such as the Dasa Raja Dhamma and meditation practices can be a distinctive force that distinguishes Buddhist schools from other institutions. This transformation requires the active role of teachers, principals, foundations, and Buddhist organizations to synergize in building meaningful and competitive education in the digital era.

Indi Rahmah

Moral : Jurnal kajian Pendidikan Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

The transformation of the workplace driven by digitalization and generational value shifts has introduced new challenges in maintaining ethical and organizational culture, particularly among Millennials and Gen Z. This study aims to examine the extent to which Islamic values—especially through Islamic Work Ethics (IWE) and spiritual intelligence—are integrated in shaping the work culture of young professionals. Using a quantitative approach, data were collected via surveys from 150 respondents working in the startup, Islamic banking, and educational sectors in the Greater Jakarta area. Data were analyzed using Pearson correlation and path analysis via SmartPLS. The results show that both IWE and spiritual intelligence have a positive and significant effect on work culture, with a combined contribution of 56%. These findings indicate that integrating Islamic values can foster an ethical, productive, and spiritually aligned work culture among younger generations. The study has theoretical implications for developing a contextual Islamic work culture framework, and practical implications for organizations seeking to design policies grounded in spiritual and Islamic ethical principles

Erwin Permana; Nuraini Haliza

Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Millennials and Generation Z have made coffee shops a part of their lifestyle. Unlike previous generations, who spent more time at malls. In response to the changing consumer behavior of these different generations, digital marketing strategies have become an effective approach for businesses, including those in the coffee industry. This study aims to analyze Fore Coffee's digital marketing strategies in attracting Millennial and Gen Z consumers. The research was conducted using a descriptive qualitative approach. The research data was sourced from observations of Fore Coffee's digital marketing activities on various social media platforms, as well as in-depth interviews with consumers from the Millennial and Gen Z generations. The results of the study indicate that the digital marketing strategies implemented by Fore Coffee have proven to be an effective approach in attracting attention and building engagement with Millennial and Gen Z consumers. The success of these strategies is supported by the utilization of various digital marketing elements, including the presentation of engaging and interactive content, collaborations with influencers who have credibility in the coffee industry, and the use of video as the primary medium for marketing communication. The Tani Series campaign, which highlights sustainability and the involvement of local coffee farmers, is a concrete example of how Fore Coffee builds a brand image that not only sells products but also has strong social value. Additionally, the collaboration with Mikael Jasin, a professionally recognized barista at the international level, further strengthens Fore Coffee's trust and appeal among young consumers. This study suggests that Fore Coffee should continue to innovate in creating content that is not only engaging but also has strong differentiating value. Furthermore, the dynamic changes in consumption trends and customer preferences demand that Fore Coffee be more responsive in adapting its marketing strategies to remain relevant to the needs and expectations of Millennial and Generation Z consumers.

Erlangga Saputra; Moritan Lambei

Anugerah : Jurnal Pendidikan Kristiani dan Kateketik Katolik 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This article explores the meaning of millennials in Revelation 20:1–6 through the lens of amillennialism within the framework of Reformed theology. The millennium—the thousand-year period of Christ's reign—is a central issue in Christian eschatological discussions, giving rise to three main views: premillennialism, postmillennialism, and amillennialism. Using historical-theological hermeneutics as well as the study of literature, this paper examines the symbolic meaning of the book of Revelation and how it has been interpreted throughout the history of the church. The amillennial approach interprets that Christ has reigned spiritually since His resurrection through His presence in the church, and that the millennium is not a literal period in the future, but rather describes the present era of the church. This understanding rejects the view of a literal thousand-year kingdom and focuses on Christ's ongoing work on the world. Therefore, the proper interpretation of millennials influences.

Althorik Divano Afta; Siti Nurlaela; Elea Nur Aziza

Jurnal Pengabdian Kepada Masyarakat 2025 Pusat Riset dan Inovasi Nasional

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

Junita Lubis; Novrihan Leily Nasution

Jurnal Ekonomi, Akuntansi, dan Perpajakan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to determine the influence of taste and price on consumer satisfaction in Rantauprapat Millennial Warkop. This type of research is associative research. Data collection in this study was carried out through a survey approach with a type of quantitative descriptive research by distributing questionnaires to 100 respondents, while the population used in this study was millennial warkop customers of Rantauprapat. Data collection techniques are carried out by interviews, questionnaires and documentation studies. The data analysis tool used in this study uses SPSS. The data analysis technique in this study is descriptive analysis. The results of this study show that taste and price affect customer satisfaction at Rantauprapat Millennial Warkop.   

Grace Maria Fitricia; Yadi Fakhruzein Terang Jaya

Jurnal Riset dan Inovasi Manajemen 2025 International Forum of Researchers and Lecturers

The old model of leadership style has shifted to a new model that is currently relevant to be effectively applied to lead the generation that dominates the world of work today and is entering the most productive age, namely the millennial generation and generation Z. With the young generation in Indonesia growing so rapidly with characteristics, needs and expectations that are different from the previous generation, the leadership style applied must also adjust to the rhythm and pattern of the current young generation. This research is a type of qualitative research with a literature study method or literature review. The literature study approach used in this study: the first stage is to collect literature, make comparisons from various literature sources, conduct analysis and present interpretations of the results of the analysis. From this study, it was concluded that considerations and implementations in practicing a combination of transformational leadership styles and servant leadership can be the most effective leadership style adjusted to the analysis of needs, characteristics, expectations and results of leadership practices for the millennial and Z generations in an organizational environment.

Maria Felsita Eno Wou; Advensiana Nono; Maria Bellcia Ruda; Klementian Ye Meo; Florentina Dasilfa Bhoko +1 more

GARUDA : Jurnal Pendidikan Kewarganegaraan dan Filsafat 2025 International Forum of Researchers and Lecturers

This research aims to revive the spirit of Pancasila life in the millennial era. The research method used is a qualitative descriptive research method where data is collected through literature review. The literature used in this research is scientific articles related to reviving the spirit of Pancasila in the millennial era. Data collection was carried out by searching for articles from electronic journals and other publications related to the study topic. From the results of the study it can be seen It is concluded that reviving the spirit of Pancasila life in the millennial era is a rare strategy to maintain the integrity of the nation amidst the challenges of globalization, technological developments and shifting social values. Formal and informal education is the main key to instilling values. Pancasila. Implementation of values ​​such as tolerance, justice, mutual cooperation, and love of the country must be carried out through a creative approach that is in line with the characteristics of the millennial generation, such as through digital media, collaborative activities, and example. Therefore, there needs to be more awareness sign height.

Lala Lathifah Ariyani; Christina Dwi Astuti

Jurnal Ilmiah Komputerisasi Akuntansi 2024 Universitas Sains dan Teknologi Komputer

Penelitian ini berlandaskan pada perubahan perilaku dalam keuangan mengenai investasi, tingginya minat investasi di masyarakat dalam perdagangan bursa efek menjadikan topik yang perlu dibahas dari sudut pandang perilaku. Dimana dalam penelitian ini menggunakan theory of planned behaviour sebagai teori dalam mengembangkan variabel. Sehingga variabel yang peneliti pilih yaitu financial attitude, risk perception, dan locus of control. Penelitian ini bertujuan untuk menganalisis tentang pengaruh financial attitude, risk perception, dan locus of control terhadap investment intention pada generasi milenial. Lokasi penelitian ini dilakukan di Jakarta. Penelitian ini menggunakan pendekatan kuantitatif dengan pengambilan sampel menggunakan teknik non probability sampling dengan metode purposive sampling. Dalam penelitian ini melibatkan 100 responden yang tersebar DKI Jakarta. Dalam menganlisis data peneliti menggunakan analisis regresi linier berganda. Berdasarkan hasil penelitian menunjukkan bahwa secara simultan financial attitude, risk perception, dan locus of control berpengaruh positif dan signifikan terhadap Investment Intention.

Natasya Jesica Putri1; Astriwati Biringkanae

Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis 2024 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The purpose of the study was to determine whether there is an effect of Reputation, E- recruitment, and Work Environment on Interest in Applying for Jobs by the Millennial Generation in North Toraja Regency. The data collection procedure of this research is Quantitative method using Multiple Linear Regression method and processed using SPSS This research was conducted around North Toraja, with a sample size of 100 respondents. The results of the calculation with the t test on the Reputation variable t count> t table with a value of (2.947) > (1.98498), on the E-recruitment variable t count> t table with a value of (4.014) > (1.98498), and on the Work Environment variable t count> t table with a value of (3.624) > (1.98498). The conclusion of this study is that Reputation, E-recruitment, and Work Environment have a positive and significant effect on Job Application Interest in the millennial generation in North Toraja Regency.

Dantowi Dantowi

Jurnal Ekonomi dan Keuangan Islam 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The development of digital technology has changed many aspects of life, including in the financial sector, because now there has been a Lending Loan Platform or Financial Technology (Fintech) Lending. Online loans provide easy access and processes, so it becomes an interesting alternative, especially for the Millennial generation. That way the millennials must have the ability of individuals to understand and manage personal finance, which includes skills to identify risk, interest, and obligations in every financial transaction. Then the combination of good financial literacy and stable income is the key to the use of healthy and responsible online loans.

Agung Satya Nugraha; Arif Winanda Panggabean; Dandi Wahyuda; Salman Nasution

Bumi: Jurnal Hasil Kegiatan Sosialisasi Pengabdian kepada Masyarakat 2024 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

This research aims to analyze the role of entrepreneurship socialization and education in fostering the entrepreneurial spirit among the millennial generation, with a case study focus in Kelurahan Perdagangan I, Simalungun Regency. Entrepreneurship socialization and education are crucial steps in fostering entrepreneurial awareness and skills, especially for the younger generation who will face economic challenges in the future. This research used a qualitative method with a case study approach. Data were collected through in-depth interviews with program participants, direct observation in the field, and document analysis related to the KKN program in Kelurahan Perdagangan I. The results showed that the program was successful. The results showed that the entrepreneurship socialization and education program implemented through KKN succeeded in increasing participants' entrepreneurial knowledge, interest, and skills. In particular, SMK students showed increased motivation to start a business after participating in entrepreneurship education. The success of the program was supported by active community involvement and a contextually relevant approach. However, there are some challenges, such as limited access to technology and financial resources, that affect the sustainability of entrepreneurial interest among the millennial generation.