Pengaruh Gaya Hidup Konsumtif dan Fear Of Missing Out (Fomo) Terhadap Perilaku Menabung pada Pekerja Generasi Z di Jakarta Selatan

Abstract

Prompted by the escalating financial vulnerability of Generation Z private employees within the South Jakarta metropolitan business district, this investigation explores how status-driven consumer lifestyles and social anxieties, specifically Fear of Missing Out (FOMO), affect personal saving discipline both independently and collectively. Employing an associative-causal quantitative framework, primary data were gathered via digital Likert-scale questionnaires distributed to a cohort of 100 young professionals selected through integrated purposive and snowball sampling techniques, with the sample size calculated using the Lemeshow formula for undefined populations. The collected dataset was processed utilizing a multiple linear regression model. The individual t-test estimations reveal that a consumptive way of living exerts a statistically significant adverse effect on the respondents' saving behavior (t-value = -2.502 < -t-table = -1.984; Sig. = 0.014). Concurrently, FOMO acts as a more severe inhibitor, negatively and significantly degrading their capability to accumulate wealth (t-value = -3.341 < -t-table = -1.984; Sig. = 0.001). Furthermore, the joint F-test confirms that both predictors collectively explain a substantial portion of the saving behavior variance (F-value = 42.002 > F-table = 3.09; Sig. = 0.000). Ultimately, the study concludes that the synergy between status-seeking consumption patterns and digital-era social anxieties severely undermines the financial prudence of the younger demographic, calling for systemic corporate-led intervention such as automated payroll savings.