Literasi Finansial Siswa Sekolah Dasar: Peran Kurikulum, Lingkungan, serta Media dan Teknologi

Novy Trisnani; Dhesta Youlandi Rahayu Sulistiyawati; Siwi Utaminingtyas; Atika Dwi Evitasari

doi:10.24832/jpnk.v10i2.5626

Literasi Finansial Siswa Sekolah Dasar: Peran Kurikulum, Lingkungan, serta Media dan Teknologi

Novy Trisnani

IKIP PGRI Wates - Indonesia

Dhesta Youlandi Rahayu Sulistiyawati

IKIP PGRI Wates - Indonesia

Siwi Utaminingtyas

IKIP PGRI Wates - Indonesia

Atika Dwi Evitasari

IKIP PGRI Wates - Indonesia

DOI: https://doi.org/10.24832/jpnk.v10i2.5626

Submitted

Feb 15, 2025

Published

Dec 30, 2025

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Citation

Trisnani, N., Sulistiyawati, D. Y. R., Utaminingtyas, S., & Evitasari, A. D. (2025). Literasi Finansial Siswa Sekolah Dasar: Peran Kurikulum, Lingkungan, serta Media dan Teknologi . Jurnal Pendidikan Dan Kebudayaan, 10(2), 153–189. https://doi.org/10.24832/jpnk.v10i2.5626

Abstract

Literasi finansial merupakan aspek penting dalam pembelajaran di sekolah dasar karena tidak hanya menekankan pada pembiasaan hidup hemat, berbagi, dan membuat perencanaan keuangan sederhana, tetapi juga berperan dalam membentuk karakter serta keterampilan siswa untuk menghadapi tantangan abad ke-21. Penelitian ini bertujuan untuk menganalisis pengaruh kurikulum, lingkungan keluarga dan sosial, serta media dan teknologi terhadap literasi finansial siswa sekolah dasar. Penelitian ini menggunakan desain survei melalui pengumpulan data dari 223 siswa sekolah dasar di beberapa kecamatan di Kabupaten Kulon Progo. Analisis data dilakukan menggunakan regresi linier untuk mengetahui pengaruh masing-masing variabel terhadap literasi finansial siswa. Hasil penelitian menunjukkan bahwa kurikulum memiliki pengaruh positif dan signifikan terhadap literasi finansial siswa, diikuti oleh lingkungan keluarga dan sosial yang juga memiliki peran penting. Media dan teknologi terbukti menjadi faktor pendukung yang signifikan dalam meningkatkan literasi finansial, meskipun masih terdapat kendala dalam akses dan pemanfaatannya. Oleh karena itu, penelitian ini merekomendasikan agar materi literasi finansial diintegrasikan secara lebih optimal dalam kurikulum sekolah dasar. Selain itu, perlu diadakan program pelatihan bagi orang tua mengenai pemanfaatan media digital yang lebih efektif untuk mendukung pembelajaran literasi finansial. Hasil penelitian ini diharapkan dapat memberikan kontribusi terhadap pengembangan kebijakan pendidikan di tingkat lokal.

Keywords

kurikulum lingkungan keluarga dan sosial literasi finansial media dan teknologi siswa sekolah dasar

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