LITERASI FINANSIAL ANAK USIA 5-6 TAHUN

Hesti Eka Pradani, Adriani Rahma Pudyaningtyas, Novita Eka Nurjanah

Abstract

Literasi finansial merupakan pengetahuan dan kecakapan dalam mengaplikasikan pemahaman tentang konsep dan risiko agar dapat membuat keputusan yang efektif dalam konteks finansial, serta menjadi penting dimiliki oleh anak sehingga kesejahteraan keuangan di masa depan dapat tercapai. Penelitian ini bertujuan untuk mengetahui tingkat literasi finansial pada anak usia 5-6 tahun di Desa Kemanggungan, Kecamatan Tarub, Kabupaten Tegal. Penelitian ini merupakan penelitian kuantitatif survei. Sampel yang digunakan berjumlah 30 anak usia 5-6 tahun di Desa Kemanggungan, dan sampel yang digunakan merupakan sampel jenuh. Teknik pengumpulan data menggunakan wawancara untuk data prapenelitian, dan kuisioner untuk mengetahui tingkat literasi finansial anak. Analisis data yang digunakan yaitu deskriptif kuantitatif dengan menyajikan persentase dan grafik. Tingkat literasi finansial anak usia 5-6 tahun memiliki 11 indikator untuk pengukurannya. Berdasarkan penelitian yang telah dilakukan, rata-rata tingkat literasi finansial anak usia 5-6 tahun di Desa Kemanggungan yaitu termasuk dalam tingkat rendah.

Keywords

literasi finansial, anak usia dini

Full Text:

PDF

References

Arikunto, S. (2013). Prosedur penelitian: Suatu pendekatan praktik. Jakarta: Rineka Cipta.

Azwar, S. (2019). Reliabilitas dan validitas (4th ed.). Yogyakarta: Pustaka Pelajar.

Cameron, M. P., Calderwood, R., Cox, A., Lim, S., & Yamaoka, M. (2014). Factors associated with financial literacy among high school students in New Zealand. International Review of Economics Education, 16(PA), 12–21. https:// doi.org/10.1016/j.iree.2014.07.006

Curugan, A. A. M., Masnan, A. H., & Norwani, N. M. (2020). The development of kwartalino financial education program for kindergarten learners. Southeast Asia Early Childhood, 9(2), 11–38. https:// ejournal.upsi.edu.my/index.php/SAECJ

THE

Drever, A. I., Odders-White, E., Kalish, C. W., Else-Quest, N. M., Hoagland, E. M., & Nelms, E. N. (2015). Foundations of financial well-being: Insights into the role of executive function, financial socialization, and experience-based learning in childhood and youth. Journal of Consumer Affairs, 49(1), 13–38. https://doi.org/10.1111/joca.12068

Elyta, R., & Mutia, R. (2020). Kecil - kecil jago finansial (1st ed.). Yogyakarta: Laksana.

Gilenko, E., & Chernova, A. (2021). Saving behavior and financial literacy of Russian high school students: An application of a copula-based bivariate probit-regression approach. Children and Youth Services Review, 127(2). https://doi.org/ 10.1016/j.childyouth.2021.106122

Grohmann, A., Kouwenberg, R., & Menkhoff, L. (2015). Childhood roots of financial literacy. Journal of Economic Psychology, 51, 114–133. https://doi.org/ 10.1016/j.joep.2015.09.002

Imawati, I., Susilaningsih, & Ivada, E. (2013). Pengaruh financial literacy terhadap perilaku konsumtif remaja pada program IPS SMA Negeri 1 Surakarta tahun ajaran 2012/2013. Jupe UNS, 2(1), 48–58. https://jurnal.fkip.uns.ac.id/index.php/ekonomi/article/view/2684

Kamakia, M. G., Mwangi, C. I., & Mwangi, M. (2017). Financial literacy and financial wellbeing of public sector employees: A critical literature review. European Scientific Journal, ESJ, 13(16), 233. https://doi.org/10.19044/esj.2017.v13n16p233

Kass-Hanna, J., Lyons, A. C., & Liu, F. (2022). Building financial resilience through financial and digital literacy in South Asia and Sub-Saharan Africa. Emerging Markets Review, 51(1). https://doi.org/10.1016/j.ememar.2021.100846

Kemendikbud, T. G. (2017). Materi pendukung literasi finansial. Retrieved from Gerakan Literasi Nasional website: https://gln.kemdikbud.go.id/

Khoo, A., & Chee, K. (2019). Generasi cerdas finansial pendidikan keuangan sejak dini untuk anak. Jakarta: Gramedia Pustaka Utama.

Krische, S., & Mislin, A. (2020). The impact of financial literacy on negotiation behavior. Journal of Behavioral and Experimental Economics , 87(2). https://doi.org/10.1016/j.socec.2020.101545

LeBaron, A. B., Holmes, E. K., Jorgensen, B. L., & Bean, R. A. (2020). Parental financial education during childhood and financial behaviors of emerging adults. Journal of Financial Counseling and Planning, 31(1), 42–54. https://doi.org/10.1891/JFCP-20-00021

Madeira, C., & Margaretic, P. (2022). The impact of financial literacy on the quality of self-reported financial information. Journal of Behavioral and Experimental Finance, 34. https://doi.org/10.1016/j.jbef.2022.100660

Mat Nawi, H., Siong, O. H., & Nee, C. Y. (2020). The effects of human capital, financial socialisation agents, and motivation on financial literacy among private university students In Malaysia. International Journal of Academic Research in Business and Social Sciences, 10(10), 159–168. https://doi.org/10.6007/ijarbss/v10-i10/7737

Noviarini, J., Coleman, A., Roberts, H., & Whiting, R. H. (2021). Financial literacy, debt, risk tolerance and retirement preparedness: Evidence from New Zealand. Pacific Basin Finance Journal, 68(2), 101598. https://doi.org/10.1016/j.pacfin.2021.101598

OECD. (2019, April). PISA 2021 Financial Literacy Analytical and Assessment Framework. Retrieved from https://www.oecd.org/

OJK. (2017). Literasi Keuangan. Retrieved March 25, 2022, from https://www.ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/Pages/literasi-keuangan.aspx

OJK. (2020). Menumbuhkan kecakapan literasi keuangan pada anak usia dini (S. Dewayani, J. Budihardja, & Y. Natakusumah, Eds.). Retrieved April 1, 2021, from https://sikapiuangmu.ojk.go.id

Seefeldt, C., Castle, S., & Falconer, R. (2014). Social Studies for the Preschool/Primary Child (9th Editio). New Jersey: Pearson.

Te’eni-Harari, T. (2016). Financial literacy among children: the role of involvement in saving money. Young Consumers, 17(2), 197–208. https://doi.org/10.1108/YC-01-2016-00579

Tezel, Z. (2015). Financial education for children and youth. In Handbook of Research on Behavioral Finance and Investment Strategies: Decision Making in the Financial Industry (pp. 69–92). https://doi.org/10.4018/978-1-4666-7484-4.ch005

UNICEF. (2012). Child social and financial education. In A Companion to the Child Friendly Schools Manual Unit for Children. https://www.unicef.org/publications/files/CSFE_module_low_res_FINAL.pdf

Wu, L. Y. (2016). Children’s formation and representations of money-related thinking in graphical complexes: Compound relation operations and creative high-order thinking. Thinking Skills and Creativity, 19, 232–245. https://doi.org/ 10.1016/j.tsc.2015.12.001

Xiao, J. J. (2020). Financial literacy in Asia: a scoping review. Kingston. http://dx.doi.org/10.2139/ssrn.3743345

DOI: https://doi.org/10.20961/kc.v11i3.66375

Refbacks

  • There are currently no refbacks.