EDUKASI SMART SAVING MELALUI PLATFORM DIGITAL UNTUK MENINGKATKAN LITERASI KEUANGAN

Noorsyah Adi Noer Ridha; Vina N. Van Harling; John Friadi; Yetty Oktarina; Novie Al Muhariah

doi:10.62027/sevaka.v4i3.1040

Authors

Noorsyah Adi Noer Ridha Politeknik Negeri Bandung
Vina N. Van Harling Politeknik Saint Paul
John Friadi Universitas Batam
Yetty Oktarina Universitas Baturaja
Novie Al Muhariah Universitas Baturaja

DOI:

https://doi.org/10.62027/sevaka.v4i3.1040

Keywords:

smart saving, literasi keuangan, platform digital, edukasi keuangan, siswa

Abstract

Rendahnya literasi keuangan pada generasi muda dapat melemahkan kebiasaan menabung dan meningkatkan paparan terhadap risiko transaksi keuangan digital. Kegiatan Pengabdian kepada Masyarakat ini bertujuan meningkatkan pemahaman siswa SMA dan SMK mengenai smart saving melalui pemanfaatan platform digital. Kegiatan dilaksanakan secara daring melalui Zoom Meeting bagi siswa di Kabupaten Bandung Barat dengan metode ceramah interaktif, demonstrasi aplikasi tabungan digital, diskusi, serta evaluasi pre-test dan post-test. Evaluasi mencakup lima indikator, yaitu konsep smart saving, manfaat menabung digital, fitur aplikasi, penyusunan target tabungan, dan keamanan transaksi digital. Seluruh indikator meningkat setelah kegiatan. Peningkatan terbesar terjadi pada keamanan transaksi digital, dari 40% menjadi 83%. Hasil ini menunjukkan bahwa edukasi keuangan daring yang terstruktur dan interaktif dapat memperkuat literasi keuangan digital siswa serta mendorong perilaku menabung yang lebih terencana dan aman.

References

Agasisti, T., Barucci, E., Cannistrà, M., Marazzina, D., & Soncin, M. (2023). Online or on-campus? Analysing the effects of financial education on student knowledge gain. Evaluation and Program Planning, 98, 102273. https://doi.org/10.1016/j.evalprogplan.2023.102273

Alshebami, A. S., & Aldhyani, T. H. H. (2022). The interplay of social influence, financial literacy, and saving behaviour among Saudi youth and the moderating effect of self-control. Sustainability, 14(14), 8780. https://doi.org/10.3390/su14148780

Brigitta, G. I., Widyastuti, U., & Fawaiq, M. (2022). Pengaruh kontrol diri, sosialisasi orang tua, dan literasi keuangan terhadap perilaku menabung siswa SMK. Jurnal Bisnis, Manajemen, Dan Keuangan, 3(2), 579–593. https://doi.org/10.21009/jbmk.0302.18

Choung, Y., Chatterjee, S., & Pak, T.-Y. (2023). Digital financial literacy and financial well-being. Finance Research Letters, 58, 104438. https://doi.org/10.1016/j.frl.2023.104438

Hanif, A., Hanun, N. R., Oktaviarini, D. D., Nabila, A., & Nadhifa, B. (2023). Enhancing accounting students’ competence through information technology-based financial reporting: A community engagement initiative in Sidoarjo. Indonesian Journal of Cultural and Community Development, 14(2). https://doi.org/10.21070/ijccd.v14i2.944

Hidayat, M. R., & Rusdiana, R. (2021). Telaah kritis terhadap upaya peningkatan literasi keuangan melalui tabungan sekolah. Ekuitas: Jurnal Pendidikan Ekonomi, 9(1), 155–164. https://doi.org/10.23887/ekuitas.v9i1.34028

Kaiser, T., Lusardi, A., Menkhoff, L., & Urban, C. J. (2022). Financial education affects financial knowledge and downstream behaviors. Journal of Financial Economics, 145(2), 255–272. https://doi.org/10.1016/j.jfineco.2021.09.022

Khoo, Y. Y., Yusof, R., & Abe, Y. (2022). Integrating financial literacy into economics courses through digital tools: The Finlite app. Journal of International Education in Business, 15(2), 331–350. https://doi.org/10.1108/JIEB-06-2021-0068

Koskelainen, T., Kalmi, P., Scornavacca, E., & Vartiainen, T. (2023). Financial literacy in the digital age: A research agenda. Journal of Consumer Affairs, 57(1), 507–528. https://doi.org/10.1111/joca.12510

Lo Prete, A. (2022). Digital and financial literacy as determinants of digital payments and personal finance. Economics Letters, 213, 110378. https://doi.org/10.1016/j.econlet.2022.110378

Lusardi, A., & Mitchell, O. S. (2023). The importance of financial literacy: Opening a new field. Journal of Economic Perspectives, 37(4), 137–154. https://doi.org/10.1257/jep.37.4.137

Marheni, D. K., Ramadani, A. G., & Kelvin, K. (2024). Factors affecting saving behavior of generation Z in Batam city. New Applied Studies in Management, Economics & Accounting, 7(2), 44–59. https://doi.org/10.22034/NASMEA.2024.183191

Mubarokah, S., Sari, P. P., & Kusumawardhani, R. (2024). The influence of digital financial literacy on saving behavior among Gen Z in Indonesia. Indonesian Journal of Economics, Business, Accounting, and Management, 2(5), 39–47. https://doi.org/10.63901/ijebam.v2i5.86

Oberrauch, L., & Kaiser, T. (2024). Financial education or incentivizing learning-by-doing? Evidence from an RCT with undergraduate students. Journal of Behavioral and Experimental Finance, 43, 100954. https://doi.org/10.1016/j.jbef.2024.100954

OECD. (2023). OECD/INFE 2023 International Survey of Adult Financial Literacy. In OECD Business and Finance Policy Papers (Number 39). OECD Publishing. https://doi.org/10.1787/56003a32-en

Seldal, M. M. N., & Nyhus, E. K. (2022). Financial vulnerability, financial literacy, and the use of digital payment technologies. Journal of Consumer Policy, 45(2), 281–306. https://doi.org/10.1007/s10603-022-09512-9

Shehadeh, M., Dawood Al-lawati, H., & Hussainey, K. (2024). Digital financial literacy and usage of cashless payments in Jordan: The moderating role of gender. International Journal of Accounting & Information Management, 33(2), 354–382. https://doi.org/10.1108/IJAIM-03-2024-0115

Sumarno, Gimin, Noviana, E., Dafik, Ridlo, Z. R., & Mursyidah, I. L. (2024). The analysis of the RBL-STEM application in improving student financial literacy in controlling consumptive behavior. Heliyon, 10(12), e32382. https://doi.org/10.1016/j.heliyon.2024.e32382

Suryawati, R. F., & Oetari, A. D. (2021). The influence of lifestyle and financial literacy on saving behavior for undergraduate students in Indonesia. Proceedings of the 1st International Conference on Sustainable Management and Innovation (ICoSMI 2020), 350–370. https://doi.org/10.4108/eai.14-9-2020.2304486

Suwatno, Waspada, I., & Mulyani, H. (2021). Forming student’s saving behaviour through financial literacy, parental financial education, and self control. Jurnal Pendidikan Akuntansi & Keuangan, 9(2), 127–136. https://doi.org/10.17509/jpak.v9i2.34944