LITERASI KEUANGAN SISWA DAN PENGELOLAAN UANG SAKU DI SMA
DOI:
https://doi.org/10.51878/learning.v6i2.8787Keywords:
literasi keuangan, perilaku keuangan, pesantren, siswa sekolah menengah, uang sakuAbstract
Financial literacy is an essential competency for the younger generation to face the dynamics of the digital economy, but currently there is still a wide gap between the level of conceptual knowledge and the actual practice of pocket money management among teenagers. The focus of this research problem is to analyze the in-depth relationship between financial literacy and pocket money management behavior among 10th grade students of SMA Mu'allimin Muhammadiyah West Lombok in the Islamic boarding school education ecosystem. This study uses a quantitative approach with an exploratory correlational design to twenty respondents through a saturated sampling technique. The systematic research stages involved distributing a five-point Likert scale questionnaire that has been tested for validity and reliability, followed by data analysis using descriptive statistics and Spearman's correlation test. The results showed an average financial literacy score of 23.40 and a pocket money management score of 6.50. Quantitative findings revealed a very strong and significant positive relationship between the two variables with a Spearman correlation coefficient value of 0.974 at a significance level of 0.000. The main conclusion confirms that mastery of financial concepts, positive attitudes, and access to information play a crucial role in shaping students' financial behavior that is much more planned, responsible, and rational. This study suggests the integration of financial education programs based on real economic behavior habits in schools to strengthen students' financial independence in a comprehensive and sustainable manner.
ABSTRAK
Literasi keuangan merupakan kompetensi esensial bagi generasi muda guna menghadapi dinamika ekonomi digital, namun saat ini masih terdapat kesenjangan lebar antara tingkat pengetahuan konseptual dan praktik nyata pengelolaan uang saku di kalangan remaja. Fokus masalah penelitian ini adalah menganalisis kaitan mendalam antara literasi keuangan dengan perilaku pengelolaan uang saku pada siswa kelas X SMA Mu’allimin Muhammadiyah Lombok Barat dalam ekosistem pendidikan pesantren. Penelitian ini menggunakan pendekatan kuantitatif dengan desain korelasional eksploratif terhadap dua puluh responden melalui teknik sampling jenuh. Tahapan penelitian sistematis melibatkan penyebaran kuesioner skala Likert lima poin yang telah teruji validitas serta reliabilitasnya, kemudian dilanjutkan dengan analisis data menggunakan statistik deskriptif dan uji korelasi Spearman. Hasil penelitian menunjukkan nilai rata-rata literasi keuangan sebesar 23,40 dan skor pengelolaan uang saku sebesar 6,50. Temuan kuantitatif mengungkap adanya hubungan positif yang sangat kuat dan signifikan antara kedua variabel tersebut dengan nilai koefisien korelasi Spearman sebesar 0,974 pada taraf signifikansi 0,000. Simpulan utama menegaskan bahwa penguasaan konsep keuangan, sikap positif, serta akses informasi berperan sangat krusial dalam membentuk perilaku finansial siswa yang jauh lebih terencana, bertanggung jawab, dan rasional. Studi ini menyarankan integrasi program pendidikan keuangan berbasis pembiasaan perilaku ekonomi nyata di sekolah guna memperkuat kemandirian finansial siswa secara komprehensif serta berkelanjutan.
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