ANALISIS PENGUATAN FINANCIAL SKILLS BERBASIS KOMUNITAS SEKOLAH SEBAGAI STRATEGI LITERASI EKONOMI DI SMA NEGERI 1 LOLOWAU TP. 2025/2026

Abstract

Students' financial skills need to be strengthened through real-life experiences because economic activities at school have not been fully utilized as a structured financial learning environment. This study aimed to analyze school community-based financial skills strengthening as an economic literacy strategy at SMA Negeri 1 Lolowau during the 2025/2026 academic year. The study employed a descriptive qualitative approach with a case study design. Data were collected through semi-structured interviews, non-participant observations, and documentation of classroom community, student council, school bazaar, and sports activities. The participants consisted of 18 informants selected through purposive sampling, including 12 key informants and 6 alumni as additional informants. Data were analyzed through data reduction, data display, conclusion drawing and verification, supported by coding and triangulation. The findings show that students' involvement in budget planning, fund management, transaction recording, price setting, and activity reporting strengthened their skills in budgeting, cash flow recording, price and discount literacy, and savings planning. These activities also fostered responsibility, discipline, honesty, transparency, and the ability to prioritize needs. The strengthening of financial skills was supported by school policies, teacher guidance, student enthusiasm, and collaboration among school members, but was constrained by limited time, differences in students' initial competencies, limited funding, and the absence of a school cooperative or mini-bank. The study concludes that the school community can serve as a contextual and sustainable financial learning environment to support students' economic literacy.

ABSTRAK

Keterampilan finansial peserta didik perlu diperkuat melalui pengalaman nyata karena aktivitas ekonomi di sekolah belum sepenuhnya dimanfaatkan sebagai ruang pembelajaran finansial yang terarah. Penelitian ini bertujuan menganalisis penguatan financial skills berbasis komunitas sekolah sebagai strategi literasi ekonomi di SMA Negeri 1 Lolowau Tahun Pelajaran 2025/2026. Penelitian menggunakan pendekatan kualitatif deskriptif dengan desain studi kasus. Data diperoleh melalui wawancara semi-terstruktur, observasi nonpartisipan, dan dokumentasi terhadap aktivitas komunitas kelas, OSIS, bazar sekolah, dan kegiatan olahraga. Informan penelitian berjumlah 18 orang yang dipilih secara purposive sampling, terdiri atas 12 informan kunci dan 6 alumni sebagai informan tambahan. Data dianalisis melalui reduksi data, penyajian data, penarikan dan verifikasi kesimpulan, serta diperkuat dengan koding dan triangulasi. Hasil penelitian menunjukkan bahwa keterlibatan peserta didik dalam penyusunan anggaran, pengelolaan dana, pencatatan transaksi, penetapan harga, dan pelaporan kegiatan memperkuat kemampuan budgeting, pencatatan cash flow, literasi harga dan diskon, serta perencanaan tabungan. Aktivitas tersebut juga membentuk sikap tanggung jawab, disiplin, kejujuran, transparansi, dan kemampuan menentukan prioritas kebutuhan. Penguatan financial skills didukung kebijakan sekolah, pendampingan guru, antusiasme peserta didik, dan kerja sama warga sekolah, tetapi terkendala keterbatasan waktu, perbedaan kemampuan awal, anggaran, serta belum tersedianya koperasi sekolah atau bank mini. Penelitian menyimpulkan bahwa komunitas sekolah dapat dimanfaatkan sebagai ruang pembelajaran finansial yang kontekstual dan berkelanjutan untuk mendukung literasi ekonomi peserta didik.