The Cost of Scarcity: The Predictive Role of Financial Scarcity and Financial Well-Being on "Quiet Quitting" Among Generation Z Workers

Windra Aditya Permana, Rahmat Hidayat, S. Psi., M.Sc., Ph.D

2025 | Skripsi | PSIKOLOGI

Fenomena “quiet quitting” menggambarkan suatu bentuk ketidakmelekaan terhadap pekerjaan di mana karyawan hanya melaksanakan tugas-tugas yang tercantum dalam deskripsi pekerjaan tanpa melampaui apa yang diwajibkan. Perilaku ini semakin umum di kalangan pekerja Generasi Z, yang sering menghadapi ketidakstabilan finansial dan keamanan kerja yang terbatas. Tujuan penelitian ini adalah untuk menguji peran prediktif kelangkaan finansial terhadap “quiet quitting” serta menentukan apakah kesejahteraan finansial memberikan kontribusi yang signifikan ketika kedua variabel diuji secara bersamaan. Penelitian ini menggunakan desain kuantitatif potong lintang, dengan data yang diperoleh dari 302 pekerja Generasi Z yang bekerja secara legal di Indonesia berusia 18–28 tahun. Tiga instrumen tervalidasi digunakan, yaitu Psychological Inventory of Financial Scarcity (PIFS-IDN), CFPB Financial Well-Being Scale, dan “Quiet Quitting” Scale (QQS). Analisis data dilakukan menggunakan regresi linear berganda hierarkis. Hasil penelitian menunjukkan bahwa kelangkaan finansial secara signifikan memprediksi perilaku “quiet quitting” (? = 0,2349, p < 0 xss=removed xss=removed>

The phenomenon of “quiet quitting” describes a form of work disengagement in which employees perform only the duties in their job description without going beyond what is required. This behaviour has become increasingly common among Generation Z workers, who often face financial instability and limited job security. The study objective is to examine the predictive role of financial scarcity of “quiet quitting” and to determine whether financial well-being contributes significantly when both variables are tested together. A quantitative cross-sectional design was used, and data were obtained from 302 legally employed Generation Z workers in Indonesia aged 18-28 years old. Three validated instruments were used: the Psychological Inventory of Financial Scarcity (PIFS-IDN), the CFPB Financial Well-Being Scale, and the “Quiet Quitting” Scale (QQS). Data analysis was conducted using hierarchical multiple regression. The results reveal that financial scarcity significantly predicts “quiet quitting” behaviour (? = 0.2349, p < 0 xss=removed xss=removed>

Kata Kunci : financial well-being, financial scarcity, quiet quitting, generation z, work engagement