https://jurnal3.stiesemarang.ac.id/index.php/jurnal <p style="text-align: justify;"><em><strong>JURNAL EKONOMI STIE SEMARANG (Edisi Elektronik)&nbsp;</strong></em>is published by SEKOLAH TINGGI ILMU EKONOMI SEMARANG, Center Java, Indonesia.<span class="apple-converted-space">&nbsp;</span>It is published three times a year February, June and October.<span class="apple-converted-space">&nbsp;</span><em><strong>JURNAL EKONOMI STIE SEMARANG</strong></em><strong>&nbsp; (Edisi Elektronik)</strong>&nbsp;is organized by the Lecturers of STIE SEMARANG and Journal Developer Team.&nbsp;The articles published in<span class="apple-converted-space">&nbsp;</span><em><strong>JURNAL EKONOMI STIE SEMARANG</strong></em><em>&nbsp; (Edisi Elektronik) can be&nbsp;</em>in English or Indonesian. The scopes of the topics include (1) Accounting Science (2) Management Science (3) Economic Science. Editorial Team welcome submissions of papers describing from researchers, practitioners, regulators, students, and other parties interested in the development of&nbsp;accounting science, management science and economic Science</p> Sekolah Tinggi Ilmu Ekonomi Semarang en-US JURNAL STIE SEMARANG (EDISI ELEKTRONIK) 2085-5656 <div id="copyright">Please find the rights and licenses in Jurnal STIE SEMARANG. 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The author acknowledges that the article may be published so that it will be publicly accessible and such access will be free of charge for the readers as mentioned in point 3.</p> <p>&nbsp;</p> https://jurnal3.stiesemarang.ac.id/index.php/jurnal/article/view/824 <p><em>This article discusses the consumptive behavior of Generation Z recipients of the Indonesia Smart Card (KIP) with a focus on hedonic analysis and challenges in financial management. This study uses a qualitative approach with in-depth interviews with Generation Z students who are KIP recipients at Yogyakarta State University. Findings indicate variations in financial use and planning, but challenges such as delayed fund disbursement and unexpected expenses hinder their ability to save. KIP recipients struggle to balance hedonism and financial responsibility, with some sacrificing essential needs for hobbies or self-reward, leading to impulsive purchases that often result in regret. Additionally, the social impact of consumerist behavior is evident in the pressure to follow trends, which can lead to bullying and feelings of envy, with many students influenced by the FOMO phenomenon and social media encouraging impulsive spending. This article recommends the need for financial literacy education and social support to help students manage their funds wisely.</em></p> Willa Putri Malinda Buchori Septiningdyah Arianisari Lu'lu'ul Jannah Syahida Norviana ##submission.copyrightStatement## http://creativecommons.org/licenses/by/4.0 2026-02-28 2026-02-28 18 1 1 17 10.33747/stiesmg.v18i1.824