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Analisis Isi Literasi Keuangan bagi Generasi Z pada Konten Instagram @finansialku_com Periode Januari–Februari 2026

  • Meilani Widinasti1*
  • Herlina Suksmawati2
1,2 University of Pembangunan Nasional Veteran Jawa Timur image/svg+xml
* Corresponding Author: Meilani Widinasti

Abstract

Generation Z in Indonesia remains concerning, as the 2025 SNLIK data shows a gap between financial inclusion (80.51%) and financial literacy (66.46%) (OJK, 2025). Generation Z is particularly vulnerable due to impulsive financial behaviors driven by FOMO and YOLO lifestyles, making social media a potential channel for financial education. This study analyzes financial literacy content targeting Generation Z on Instagram account @finansialku_com during January to February 2026, using Klaus Krippendorff's qualitative content analysis on 23 content items selected through purposive sampling from 65 uploads. Findings reveal four content categories: financial management, investment and financial planning, digital financial risk, and financial decision-making. Content was delivered simply and contextually through carousel, reels, and single post formats, reflecting digitality, interactivity, and demassification of social media. The dominance of the financial decision-making category indicates that this institutionally accredited account presents financial literacy comprehensively not merely as financial knowledge, but as a framework for critical thinking in navigating financial decisions in the digital age.

Keywords

Content Analysis Generation Z Financial Literacy

How to Cite

Citation Format
Widinasti, M., & Suksmawati, H. (2027). Analisis Isi Literasi Keuangan bagi Generasi Z pada Konten Instagram @finansialku_com Periode Januari–Februari 2026. Jurnal JTIK (Jurnal Teknologi Informasi Dan Komunikasi), 11(1), 202-208. https://doi.org/10.35870/jtik.v11i1.7858

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Author Biographies

Meilani Widinasti, University of Pembangunan Nasional Veteran Jawa Timur

Program Studi Ilmu Komunikasi, Fakultas Ilmu Sosial, Budaya, dan Ilmu Politik, Universitas Pembangunan Nasional “Veteran” Jawa Timur, Kota Surabaya, Provinsi Jawa Timur, Indonesia.

Herlina Suksmawati, University of Pembangunan Nasional Veteran Jawa Timur

Program Studi Ilmu Komunikasi, Fakultas Ilmu Sosial, Budaya, dan Ilmu Politik, Universitas Pembangunan Nasional “Veteran” Jawa Timur, Kota Surabaya, Provinsi Jawa Timur, Indonesia.

License

Copyright (c) 2027 Meilani Widinasti, Herlina Suksmawati

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

This is an open-access journal distributed under the Creative Commons Attribution 4.0 International License (CC BY 4.0), which permits unrestricted use, distribution, reproduction, and adaptation in any medium (even commercially), provided appropriate credit is given to the original author(s), a link to the license is provided, and any changes made are indicated. Authors retain copyright without restrictions and grant the journal the right of first publication as well as non-exclusive publishing rights for archiving, indexing, and scholarly dissemination.

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