Gen Z dalam beberapa tahun terakhir kerap menjadi perhatian banyak pihak. Fenomena Gen Z yang menjadi salah satu kelompok terbesar di masyarakat dapat mempengaruhi aktivitas ekonomi sebagai konsumen utama di berbagai sektor pasar.
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00:00GEN-Z
00:05The GEN-Z phenomenon in the last few years has often attracted a lot of attention.
00:09Yes, the GEN-Z phenomenon, which is one of the largest groups in society,
00:13can influence economic activity as the main consumer in various market sectors.
00:18Let's see how this GEN-Z group manages their finances
00:21in the midst of a consumptive lifestyle and an investment trend among young people.
00:26Here is the full coverage for you.
00:30Generation Z, or GEN-Z, is an age group that is currently a trend in Indonesia in recent years.
00:37They are individuals who were born between 1997 and 2012
00:43and became one of the largest groups in the Indonesian population.
00:52Known as a generation that grew up with the development of technology,
00:56the GEN-Z activity in recent years has often attracted a lot of attention.
01:02The GEN-Z phenomenon, which is one of the largest groups in society,
01:07can influence economic activity as the main consumer in various market sectors.
01:16Based on data from the Statistical Center,
01:19the number of Generation Z in Indonesia reached 70.75 million people in 2024.
01:26The number has decreased compared to previous years.
01:32Nevertheless, the number has become a major force in the social, economic, and technological landscape of Indonesia.
01:42GEN-Z is known as a generation that is very adaptive to digital technology
01:47and has a significant impact in driving change in various fields,
01:53including creative economy, lifestyle, and digital consumption.
01:59In terms of income, a survey conducted by the Statistical Center or BPS in 2022 showed
02:06that employees in the age group of 15 to 24 years,
02:10most of them, including GEN-Z, in the formal sector,
02:13receive an average income of 1.7 million per month.
02:19Based on BPS data,
02:22according to a survey from Indonesia GEN-Z Report 2024,
02:27which provides a more detailed result on the average income of GEN-Z,
02:32that is, according to the survey,
02:34about 56% of GEN-Z employees receive an average income of less than 2.5 million per month,
02:42followed by 26% with an income of 2.5 million to 5 million per month,
02:49then only 3% who have an income of more than 10 million per month.
02:55About 30% for transportation,
02:5920% for accommodation,
03:02and 50% for daily necessities.
03:06I used to invest in a fund,
03:11but for now, I prioritize daily necessities.
03:17The biggest output comes from daily necessities,
03:19such as food, transportation, and entertainment,
03:22as well as traveling, and so on.
03:23Yes, I have started to invest in a fund at ISG since 2018.
03:29The fund that I allocate to invest is about 40-50% of my monthly income.
03:37My monthly income is usually 30% for food,
03:39and the rest is for other needs such as skin care, vacation, and so on.
03:43For now, I haven't started to invest,
03:45because I still prioritize my daily necessities.
03:53The majority of GEN-Z employees spend their income for basic necessities,
03:57so they only have a little left for health, self-development, and recreation.
04:04Based on the data from Badan Pusat Statistik,
04:07the average income of Indonesian people in March 2022
04:11is 1.27 million per capita per month.
04:16Of that amount, about 52.6% is allocated for food,
04:22while the rest is allocated for non-foods such as housing, education, and health.
04:30In terms of investment,
04:32based on the Indonesia GEN-Z Report 2024 survey,
04:3637% of GEN-Z employees have started to invest,
04:40while 31% of GEN-Z employees state that they haven't started to invest at all.
04:46And the other 11% are not sure whether investment is the best choice for them.
04:53So, how important is investment for GEN-Z?
05:00Investment for GEN-Z is very important,
05:02because GEN-Z is the first generation to get to know the job market.
05:09Investment that is suitable for GEN-Z
05:11is typically based on their character,
05:15which is simple,
05:17with relatively low income,
05:22or based on the standard income criteria in a certain area.
05:27If you ask about the product,
05:29all the financial products in Indonesia
05:32are already in the range of GEN-Z.
05:38Looking at the demographic and economic development of GEN-Z in Indonesia,
05:42we can conclude that although their number is declining,
05:46their influence in various aspects of life is getting stronger.
05:52With more and more GEN-Z starting to invest
05:56and understand the importance of financial management,
05:59their chance to achieve financial stability in the future is getting wider.
06:06The role of GEN-Z will not only shape Indonesia's future,
06:09but also guide where this nation will move in an increasingly digital and dynamic era.
06:16Jakarta, Vinamunawar, Heru Triyunarto, IDX Channel