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UPAYA PENINGKATAN LITERASI KEUANGAN MELALUI PENDIDIKAN KEUANGAN DALAM MENCIPTAKAN PERILAKU MENABUNG DI KALANGAN MAHASISWA

Lelahester Rina - -

Abstract


ABSTRAK

 

Menabung merupakan faktor pendorong kesadaran investasi guna meningkatkan pertumbuhan ekonomi suatu bangsa. Berdasarkan survey Otoritas Jasa Keuangan (OJK) menyebutkan penggunaan produk keuangan termasuk tabungan masih rendah. Mahasiswa sebagai bagian dari masyarakat melakukan transaksi keuangan dalam kehidupan sehari-hari. Pengelolaan keuangan seseorang dapat dilihat dari bentuk tanggungjawabnya terhadap uang yang dimiliki. Manajemen keuangan yang buruk menjadi penyebab mahasiswa mengalami kesulitan keuangan. Berapapun pendapatan yang diterima untuk digunakan dalam mencukupi kebutuhan, mereka mengalami ketidakcukupan karena pengeluaran yang buruk. Hal ini disebabkan oleh kurangnya pendidikan tentang keuangan dan keterampilan dalam memanajemen keuangannya. Navickas, Gudaitis dan Krajnakova (2014) menyebutkan bahwa literasi keuangan yang tinggi berpengaruh secara positif terhadap pengambilan keputusan untuk menabung yang lebih tinggi. Penelitian ini menggunakan pendekatan kualitatif.  Sumber data menggunakan data sekunder melalui penelaahan literatur, baik berasal dari buku-buku maupun publikasi riset pada jurnal bereputasi nasional dan internasional.

Hasil analisis menunjukkan bahwa upaya pendidikan keuangan berperan dalam meningkatkan pengetahuan keuangan, pengganggaran, perilaku belanja dan menabung serta penggunaan kartu kredit. Kegiatan pendidikan dapat ditempuh melalui pendidikan formal, informal maupun nonformal. Beberapa implikasi dari penelitian ini diantaranya mahasiswa harus meningkatkan pemahaman mereka tentang keuangan pribadi dalam upaya perilaku menabung. Beberapa pihak lainnya seperti keluarga, lembaga pendidikan dan pemerintah membantu membimbing dan mengarahkan mahasiswa dalam mengelola keuangan.

 

Keywords: literasi keuangan, pendidikan keuangan, perilaku menabung

 

ABSTRACT

 

Money saving is a motivating factor for the awareness of investation to increase economic growth of a nation. According to Otoritas Jasa Keuangan (OJK) survey, the use of financial products including savings is still low. College students as a part of society do transactions in everyday life. Someone’s financial management is visible from their responsibility towards their money. A poor financial management causes students to have financial difficulties. No matter how much the income is to fulfill their needs, they will experience insufficiency due to poor expense. This is caused by the lack of financial education and management skill. Navickas, Gudaitis and Krajnakova (2014) mention that high financial literacy positively affects decision making to save money more. This research utilizes qualitative approach. The data source uses secondary data through literary study, both from books and published research on national and international level journals.

The results of the analysis show that financial education plays a role in increasing financial knowledge, budgeting, shopping behavior, and money-saving also credit card usage. Education activity can be achieved through both formal and informal education. Several implications from this research are that college students must increase their understanding about personal finance in an effort for money-saving behavior. Other parties like family, educational institutions and the government help guide and lead college students in managing their finance.

 

Keywords: financial literacy, financial education, money-saving behavior


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