Literasi Keuangan Digital: Basis Studi Mahasiswa Perguruan Tinggi Jarak Jauh dan Terbuka
Kata Kunci:
ekonomi digital, literasi keuangan digital, inklusi keuangan
Abstrak
Perkembangan teknologi mengalami perkembangan yang sangat pesat hampir di semua lini kehidupan tak terkecuali di dunia pendidikan. Akan tetapi fakta ini berbanding terbalik dengan literasi keuangan digital yang seharusnya tinggi melainkan masih tergolong rendah. Tujuan penelitian ini adalah untuk mengetahui secara mendalam tingkat literasi keuangan digital yang mahasiswa dengan tipikal mahasiswa Perguruan Tinggi Jarak dan Terbuka. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan analisis deskriptif. Data yang digunakan adalah data primer dengan metode kuesioner. Sebanyak 121 mahasiswa dari Universitas Terbuka menjadi sampel dalam penelitian ini. Hasil penelitian menunjukkan bahwa mayoritas responden memiliki pemahaman yang baik dan sangat baik terhadap pengetahuan dasar dan risiko pengelolaan keuangan. Namun, pengetahuan responden terhadap penerapan penyedia layanan dan produk keuangan digital masih dalam tataran hanya rata-rata. Keadaan tersebut dikarenakan mahasiswa masih belum memanfaatkan internet dan media sosial secara maksimal dalam mencari informasi mengenai layanan dan produk keuangan.
Referensi
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Ali, A., Raza, A. A., & Qazi, I. A. (2023). Validated digital literacy measures for populations with low levels of internet experiences. Development Engineering, 8, 100107. https://doi.org/10.1016/j.deveng.2023.100107
Alliance for Financial Inclusion. (2021). Digital Financial Literacy: Guideline Note (Issue 45). https://www.afi-global.org/publications/digital-financial-literacy/
Andreou, P. C., & Anyfantaki, S. (2021). Financial literacy and its influence on internet banking behavior. European Management Journal, 39(5), 658–674. https://doi.org/10.1016/j.emj.2020.12.001
Asian Development Bank. (2018). Understanding the Digital Economy: What Is It and How Can It Transform Asia?
Azeez N.P, A., Akhtar S.M., J., & Banu M., N. (2022). Relationship between Demographic Factors and Digital Financial Literacy. INDIAN DEVELOPMENT POLICY REVIEW, 3(2), 155–166. https://doi.org/10.24818/rej/2022/84/04
Choung, Y., Chatterjee, S., & Pak, T. (2023). Digital financial literacy and financial well-being. Finance Research Letters, 58(PB), 104438. https://doi.org/10.1016/j.frl.2023.104438
Ciumara, T. (2022). FINANCIAL EDUCATION AND DIGITALIZATION. THE CASE OF ROMANIA. Financial Studies, 26(4), 65–76.
Dz, A. S. (2018). Inklusi keuangan perbankan syariah berbasis digital-banking: Optimalisasi dan tantangan. Al-Amwal: Jurnal Ekonomi dan Perbankan Syari'ah, 10(1), 63-80.
Febriyanto, A. (2022). Cermat Sebelum Berivestasi, Waspadai Investasi Bodong. Artikel DJKN Kementerian Keuangan Republik Indonesia.
Firmansyah, D., & Susetyo, D. P. (2022). Financial Behavior in the Digital Economy Era: Financial Literacy and Digital Literacy. Jurnal Ekonomi Dan Bisnis Digital, 1(4), 367–390. https://doi.org/10.55927/ministal.v1i4.2368
Gilenko, E., & Chernova, A. (2021). Saving behavior and financial literacy of Russian high school students: An application of a copula-based bivariate probit-regression approach. Children and Youth Services Review, 127, 1–11. https://doi.org/10.1016/j.childyouth.2021.106122
Hayati, A. F., & Syofyan, R. (2021). Analysis of Student Digital Financial Literacy in the Era of Industrial Revolution 4 . 0. Proceedings of the Seventh Padang International Conference On Economics Education, Economics, Business and Management, Accounting and Entrepreneurship (PICEEBA 2021), 192(Piceeba), 180–184. https://www.atlantis-press.com/proceedings/piceeba-8-21/125976324
Kementerian Komunikasi dan Informatika. (2019). Perkembangan Ekonomi Digital di Indonesia: Strategi dan Sektor Potensial (Y. A. A. Sukma (ed.); Vol. 3, Issue 2). Puslitbang Aptika dan IKP.
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
OECD. (2019). Skills Matter: Additional Results from the Survey of Adult Skills. In OECD Skills Studies.
Otoritas Jasa Keuangan. (2022). The 2022 National Financial Literacy and Inclusion Survey (Issue November).
Popovich, J. J., Loibl, C., Zirkle, C., & Whittington, M. S. (2020). Community college students’ response to a financial literacy intervention: An exploratory study. International Review of Economics Education, 34, 1–15. https://doi.org/10.1016/j.iree.2020.100182
Rachmatika, A. G., Saifi, M., & Worokinasih, S. (2023). The Influence of Financial Literacy, Financial Technology on Financial Inclusion Mediated by Cashless Policy. Journal of Indonesian Applied Economics, 11(1), 1–12. https://doi.org/10.21776/ub.jiae.2023.011.01.1
Rahayu, R., Ali, S., Aulia, A., & Hidayah, R. (2022). The Current Digital Financial Literacy and Financial Behavior in Indonesian Millennial Generation. Journal of Accounting and Investment, 23(1), 78–94. https://doi.org/10.18196/jai.v23i1.13205
Reddy, P., Chaudhary, K., & Hussein, S. (2023). A digital literacy model to narrow the digital literacy skills gap. Heliyon, 9, 1–16. https://doi.org/10.2139/ssrn.4308566
Rifai, D., Fitri, S., Ramadhan, I. N., & Ramadan, R. (2022). Perkembangan ekonomi digital mengenai perilaku pengguna media sosial dalam melakukan transaksi. ADI Bisnis Digital Interdisiplin Jurnal, 3(1), 49-52.
Ristiana, N., & Widyastuti, E. (2022). Analisis Pengaruh Literasi Keuangan Digital Terhadap Minat Mahasiswa Dalam Penggunaan Layanan E-Banking. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 7(1), 425–444.
Shen, Y., Hu, W., & Hueng, C. J. (2018). The effects of financial literacy, digital financial product usage and internet usage on financial inclusion in China. MATEC Web of Conferences, 228. https://doi.org/10.1051/matecconf/201822805012
Tiwari, A., & Yadav, A. (2022). A STUDY OF FINANCIAL LITERACY AND FINANCIAL BEHAVIOUR AMONG MILLENNIALS AND GENERATION Z. Journal of The Asiatic Society of Mumbai, XCV(21), 7–13.
Utami, N., & Sitanggang, M. L. (2023). Peran Literasi Keuangan Dan Perkembangan Teknologi Finansial Terhadap Minat Berinvestasi Pada Masa Pandemi Covid19. Jurnal Serina Ekonomi Dan Bisnis, 1(1), 12-21.
Yang, J., Wu, Y., & Huang, B. (2020). Digital Finance and Financial Literacy: An Empirical Investigation of Chinese Households. In ADBI Working Paper Series (Issue 1209). https://doi.org/10.2139/ssrn.3806419
Yue, P., Korkmaz, A. G., Yin, Z., & Zhou, H. (2022). The rise of digital finance: Financial inclusion or debt trap? Finance Research Letters, 47, 1–8. https://doi.org/10.1016/j.frl.2021.102604
Ali, A., Raza, A. A., & Qazi, I. A. (2023). Validated digital literacy measures for populations with low levels of internet experiences. Development Engineering, 8, 100107. https://doi.org/10.1016/j.deveng.2023.100107
Alliance for Financial Inclusion. (2021). Digital Financial Literacy: Guideline Note (Issue 45). https://www.afi-global.org/publications/digital-financial-literacy/
Andreou, P. C., & Anyfantaki, S. (2021). Financial literacy and its influence on internet banking behavior. European Management Journal, 39(5), 658–674. https://doi.org/10.1016/j.emj.2020.12.001
Asian Development Bank. (2018). Understanding the Digital Economy: What Is It and How Can It Transform Asia?
Azeez N.P, A., Akhtar S.M., J., & Banu M., N. (2022). Relationship between Demographic Factors and Digital Financial Literacy. INDIAN DEVELOPMENT POLICY REVIEW, 3(2), 155–166. https://doi.org/10.24818/rej/2022/84/04
Choung, Y., Chatterjee, S., & Pak, T. (2023). Digital financial literacy and financial well-being. Finance Research Letters, 58(PB), 104438. https://doi.org/10.1016/j.frl.2023.104438
Ciumara, T. (2022). FINANCIAL EDUCATION AND DIGITALIZATION. THE CASE OF ROMANIA. Financial Studies, 26(4), 65–76.
Dz, A. S. (2018). Inklusi keuangan perbankan syariah berbasis digital-banking: Optimalisasi dan tantangan. Al-Amwal: Jurnal Ekonomi dan Perbankan Syari'ah, 10(1), 63-80.
Febriyanto, A. (2022). Cermat Sebelum Berivestasi, Waspadai Investasi Bodong. Artikel DJKN Kementerian Keuangan Republik Indonesia.
Firmansyah, D., & Susetyo, D. P. (2022). Financial Behavior in the Digital Economy Era: Financial Literacy and Digital Literacy. Jurnal Ekonomi Dan Bisnis Digital, 1(4), 367–390. https://doi.org/10.55927/ministal.v1i4.2368
Gilenko, E., & Chernova, A. (2021). Saving behavior and financial literacy of Russian high school students: An application of a copula-based bivariate probit-regression approach. Children and Youth Services Review, 127, 1–11. https://doi.org/10.1016/j.childyouth.2021.106122
Hayati, A. F., & Syofyan, R. (2021). Analysis of Student Digital Financial Literacy in the Era of Industrial Revolution 4 . 0. Proceedings of the Seventh Padang International Conference On Economics Education, Economics, Business and Management, Accounting and Entrepreneurship (PICEEBA 2021), 192(Piceeba), 180–184. https://www.atlantis-press.com/proceedings/piceeba-8-21/125976324
Kementerian Komunikasi dan Informatika. (2019). Perkembangan Ekonomi Digital di Indonesia: Strategi dan Sektor Potensial (Y. A. A. Sukma (ed.); Vol. 3, Issue 2). Puslitbang Aptika dan IKP.
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
OECD. (2019). Skills Matter: Additional Results from the Survey of Adult Skills. In OECD Skills Studies.
Otoritas Jasa Keuangan. (2022). The 2022 National Financial Literacy and Inclusion Survey (Issue November).
Popovich, J. J., Loibl, C., Zirkle, C., & Whittington, M. S. (2020). Community college students’ response to a financial literacy intervention: An exploratory study. International Review of Economics Education, 34, 1–15. https://doi.org/10.1016/j.iree.2020.100182
Rachmatika, A. G., Saifi, M., & Worokinasih, S. (2023). The Influence of Financial Literacy, Financial Technology on Financial Inclusion Mediated by Cashless Policy. Journal of Indonesian Applied Economics, 11(1), 1–12. https://doi.org/10.21776/ub.jiae.2023.011.01.1
Rahayu, R., Ali, S., Aulia, A., & Hidayah, R. (2022). The Current Digital Financial Literacy and Financial Behavior in Indonesian Millennial Generation. Journal of Accounting and Investment, 23(1), 78–94. https://doi.org/10.18196/jai.v23i1.13205
Reddy, P., Chaudhary, K., & Hussein, S. (2023). A digital literacy model to narrow the digital literacy skills gap. Heliyon, 9, 1–16. https://doi.org/10.2139/ssrn.4308566
Rifai, D., Fitri, S., Ramadhan, I. N., & Ramadan, R. (2022). Perkembangan ekonomi digital mengenai perilaku pengguna media sosial dalam melakukan transaksi. ADI Bisnis Digital Interdisiplin Jurnal, 3(1), 49-52.
Ristiana, N., & Widyastuti, E. (2022). Analisis Pengaruh Literasi Keuangan Digital Terhadap Minat Mahasiswa Dalam Penggunaan Layanan E-Banking. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 7(1), 425–444.
Shen, Y., Hu, W., & Hueng, C. J. (2018). The effects of financial literacy, digital financial product usage and internet usage on financial inclusion in China. MATEC Web of Conferences, 228. https://doi.org/10.1051/matecconf/201822805012
Tiwari, A., & Yadav, A. (2022). A STUDY OF FINANCIAL LITERACY AND FINANCIAL BEHAVIOUR AMONG MILLENNIALS AND GENERATION Z. Journal of The Asiatic Society of Mumbai, XCV(21), 7–13.
Utami, N., & Sitanggang, M. L. (2023). Peran Literasi Keuangan Dan Perkembangan Teknologi Finansial Terhadap Minat Berinvestasi Pada Masa Pandemi Covid19. Jurnal Serina Ekonomi Dan Bisnis, 1(1), 12-21.
Yang, J., Wu, Y., & Huang, B. (2020). Digital Finance and Financial Literacy: An Empirical Investigation of Chinese Households. In ADBI Working Paper Series (Issue 1209). https://doi.org/10.2139/ssrn.3806419
Yue, P., Korkmaz, A. G., Yin, Z., & Zhou, H. (2022). The rise of digital finance: Financial inclusion or debt trap? Finance Research Letters, 47, 1–8. https://doi.org/10.1016/j.frl.2021.102604
Diterbitkan
2025-05-15
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Cahyadi, N. M. A. K. (2025). Literasi Keuangan Digital: Basis Studi Mahasiswa Perguruan Tinggi Jarak Jauh dan Terbuka. KENTAL : Jurnal Kewirausahaan Dan Bisnis Digital, 2(1), 98 -108. Diambil dari https://journal.lppmpelitabangsa.id/index.php/kental/article/view/2358
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