Penelitian Literasi Finansial: Mengevaluasi Pemahaman Tentang Konsep Dasar Keuangan dan Penerapannya
Keywords:
Literasi Finansial, Konsep Keuangan, Pengelolaan UangAbstract
Penelitian ini mengkaji tingkat literasi keuangan mahasiswa dengan fokus pada pemahaman konsep dasar dan penerapannya dalam pengelolaan keuangan pribadi. Metode penelitian menggunakan pendekatan kuantitatif deskriptif melalui survei terhadap 200 mahasiswa dari berbagai disiplin ilmu. Data dikumpulkan menggunakan kuesioner terstruktur yang mengukur pemahaman konsep keuangan dasar dan praktik pengelolaan keuangan sehari-hari.Temuan penelitian menunjukkan bahwa meskipun mahasiswa memiliki pemahaman dasar tentang inflasi dan pentingnya menabung, mereka masih mengalami kesulitan dalam memahami konsep bunga majemuk dan instrumen investasi yang lebih kompleks. Hal ini mengindikasikan perlunya pendekatan pendidikan keuangan yang lebih komprehensif dan aplikatif.Penelitian ini menyimpulkan bahwa peningkatan literasi keuangan mahasiswa memerlukan strategi edukasi yang terstruktur, dengan menekankan pada aspek praktikal dan relevansi dengan kebutuhan finansial generasi muda. Rekomendasi mencakup pengembangan modul pembelajaran kontekstual dan peningkatan frekuensi pelatihan keuangan dasar di lingkungan kampus.
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