Pemahaman Literasi Keuangan Digital di Kalangan Generasi Muda: Analisis Perbedaan
Keywords:
Financial Literacy; Digital Finance; Senior High SchoolAbstract
This study aims to identify and analyze the understanding of financial literacy regarding digital finance among high school and vocational school students in the city of Tegal, as well as to determine the differences in financial literacy regarding digital finance between high school and vocational school students in the city of Tegal. The research method employed uses a mixed-methods sequential exploratory model. Furthermore, the survey results show that the digital financial literacy level of vocational high school students is 77.75% and that of senior high school students is 78.57%. This percentage falls within the “sufficiently literate” category. A subsequent comparison test revealed no significant difference in financial literacy between high school and vocational high school students, as demonstrated by an independent samples t-test, with a p-value of 0.013 < 0.05.
Downloads
References
Ade, S., Dewi Arliana, P., & Sari, S. P. (2023). The Attractiveness of Price Discounts, Convenience, and Benefit: Observation of the Decision to Use E-wallet as A Substitute for Cash Transactions. The International Journal of Business Management and Technology, 7(1), 645–651. www.theijbmt.com
Aisanafi, Y. (2024). Development of a training program in simple bookkeeping and Microsoft Excel for Hawkers and MSMEs in TBM Sakila Kerti Tegal. Inovasi Kurikulum, 21(1), 515–528. https://doi.org/10.17509/jik.v21i1.66526
Askar, M. W., & Quattara, B. (2020). Financial Literacy and Poverty Reduction: the Case of Indonesia. ADBI Working Paper 1097. Tokyo : Asian Development Bank Institute, 2(1), 201–212.
Berman, E. (2017). An Exploratory Sequential Mixed Methods Approach to Understanding Researchers’ Data Management Practices at UVM: Findings from the Qualitative Phase. Journal of EScience Librarianship, 6(1), e1097. https://doi.org/10.7191/jeslib.2017.1097
Bhatti, A., Akram, H., & Khan, A. U. (2020). E-commerce trends during COVID-19 Pandemic. International Journal of Future Generation Communication and Networking, 13(2), 1449–1452.
Bire, A. R., Sauw, H. M., & Maria, -. (2019). The effect of financial literacy towards financial inclusion through financial training. International Journal of Social Sciences and Humanities, 3(1), 186–192. https://doi.org/10.29332/ijssh.v3n1.280
Creswell, J. W. L., & Poth, C. N. (2013). Qualitative Inquiry Researhc Design: Choosing Among Five Approaches (Third Edit, Vol. 53, Issue 9). SAGE Publications, Inc.
Fitriani, A., & Septiarum, K. (2024). Pengaruh Literasi Keuangan , Pendapatan , dan Self Control terhadap Financial Management Behavior pada Mahasiswa . 13(3), 162–169.
Gumilar, D. W. A., Sangka, K. B., & Totalia, S. A. (2024). The Mediating Role of Digital Financial Literacy: Examining How Problem Based Learning Influences Consumption Decision Making Among Adolescents. Jurnal Kependidikan: Jurnal Hasil Penelitian Dan Kajian Kepustakaan Di Bidang Pendidikan, Pengajaran Dan Pembelajaran, 10(3), 976–987. https://doi.org/10.33394/jk.v10i3.12217
Hajeb, H. R., & Banafi, M. (2022). Predicting the Efficiency of Inventory Management Using Artificial Neural Networks. International Journal of Management, Accounting and Economics, 9(11), 2383–2126. https://doi.org/10.5281/zenodo.7421138
Hantono, H. (2023). Analisis literasi keuangan pada siswa SMA dan SMK: Sebuah studi perbandingan. Jurnal Ekonomi Dan Pendidikan, 16(2), 145–158.
Herlindawati, D., & Irmadatus, S. (2026). Literasi Keuangan Dan Perilaku Konsumtif Belanja Online: Peran Kontrol Diri Sebagai Mediator. Jurnal Pendidikan Akuntansi Indonesia, 25(01), 14–27.
Khoirunnisaa, J., & Johan, I. R. (2020). The Effects of Financial Literacy and Self-Control towards Financial Behavior among High School Students in Bogor. Journal of Consumer Sciences, 5(2), 73–86. https://doi.org/10.29244/jcs.5.2.73-86
Laturette, K., Widianingsih, L. P., & Subandi, L. (2021). Literasi Keuangan Pada Generasi Z. Jurnal Pendidikan Akuntansi (JPAK), 9(1), 131–139. https://doi.org/10.26740/jpak.v9n1.p131-139
Lusardi, A. (2019). Financial literacy and the need for financial education: evidence and implications. Swiss Journal of Economics and Statistics, 155(1), 1–8. https://doi.org/10.1186/s41937-019-0027-5
Luu, L., Petratos, P. N., Nguyen, T., & Le, V. (2021). Financial technology (fintech). A Practical Guide to Financial Services, 143–171. https://doi.org/10.4324/9781003227663-7
Mancone, S., Tosti, B., Corrado, S., Spica, G., Zanon, A., & Diotaiuti, P. (2021). Youth , money , and behavior : the impact of financial literacy programs. 2014.
Maulida, S., Uula, M. M., & Syamlan, Y. T. (2022). Bibliometric Method: Analysis of Technology Acceptance Model on Financial Technology (Fintech). International Journal of Islamic …, 1(1), 23–35. http://ijoims.id/index.php/ims/article/view/2%0Ahttp://ijoims.id/index.php/ims/article/download/2/5
Méndez Prado, S. M., Chiluiza, K., Everaert, P., & Valcke, M. (2022). Design and Evaluation among Young Adults of a Financial Literacy Scale Focused on Key Financial Decisions. Education Sciences, 12(7), 460. https://doi.org/10.3390/educsci12070460
Miles, & Huberman. (1984). Qualitative Data Analysis: A Sourcebook of New Methods. Sage Thousand, Oaks, CA.
OJK. (2022a). National Survey of Financial Literacy and Inclusion 2022. https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/InfoGraphics/16
OJK. (2022b). Press Release: Public Literacy and Financial Inclusion Index Increases. https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Indeks-Literasi-dan-Inklusi-Keuangan-Masyarakat-Meningkat.aspx
OJK. (2023). Come get to know FinTech! Digital Finance is on the Rise. https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/10468
Pala, Ş. M., & Bayram, H. (2025). The Impact of Authentic Learning Practices on Students’ Financial Attitude, Financial Literacy and Financial Behavior in the 5th Grade Social Studies Course. Educational Academic Research, 58, 65–77. https://doi.org/10.33418/education.1568685
Pang, M. F. (2010). Boosting financial literacy: benefits from learning study. Instructional Science, 38(6), 659–677. https://doi.org/10.1007/s11251-009-9094-9
Pritchett, C., Inez, C., & Pritchett, T. (2012). Rowan Digital Works School culture : a sequential mixed methods exploratory meta- analysis by.
Pulungan, D. R., & Febriaty, H. (2018). The Influence of Lifestyle and Financial Literacy on Consumptive Behavior of Students. Journal of Management Science Research, 2(3), 628–635.
Roged. (2023). What are the Major Benefits for Students to Become Financially Literate? https://blog.uwgb.edu/iblog/2023/02/18/what-are-the-major-benefits-for-students-to-become-financially-literate/
Septiansari, D., & Handayani, T. (2021). Pengaruh Belanja Online Terhadap Perilaku Konsumtif pada Mahasiswa di Masa Pandemi Covid-19. Jurnal Ekonomi Dan Manajemen Teknologi, 5(1), 53–65. http://journal.lembagakita.org
Septiarum, A. F. K., & Susanti. (2024). Pengaruh Literasi Keuangan, Pendapatan, dan Self Control terhadap Financial Management Behavior pada Mahasiswa. Jurnal Pendidikan Akuntansi (JPAK), 13(3), 162–169.
Shin, H. Y., & Mynt, M. S. (2021). Digital Marketing and Creative Economy Theory in Economic Development during the Pandemic. Journal of Asian Multicultural Research for Economy and Management Study, 2(3), 16–21. https://doi.org/10.47616/jamrems.v2i3.123
Srinivasan, N., & Eden, L. (2021). Going digital multinationals: Navigating economic and social imperatives in a post-pandemic world. Journal of International Business Policy, 4(2), 228–243. https://doi.org/10.1057/s42214-021-00108-7
Suyanto, Setiawan, D., Rahmawati, & Winarna, J. (2021). Effects of Indonesian Students’ Financial Literacy on Financial Behavior. Proceedings of the Sixth Padang International Conference On Economics Education, Economics, Business and Management, Accounting and Entrepreneurship (PICEEBA 2020), 179(Piceeba 2020), 553–558. https://doi.org/10.2991/aebmr.k.210616.086
Wardhono, A., Nasir, M. A., Aprilia, A., Putra, P. T. N., & Zebua, B. H. N. (2022). Is the Digital Economy Driving the Economic Growth of the Sumatra Region During the Pandemic? Journal of Economics Research and Social Sciences, 6(1), 76–92. https://doi.org/10.18196/jerss.v6i1.13676
Yakean, S. (2020). Advantages and Disadvantages of a Cashless System in Thailand during the COVID-19 Pandemic. Journal of Asian Finance, Economics and Business, 7(12), 385–388. https://doi.org/10.13106/JAFEB.2020.VOL7.NO12.385
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Ayu Ismawati, Imam Hasan
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
Jurnal Pendidikan Akuntansi (JPAK) is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Abstract views: 0
,
PDF Downloads: 0
