ANALISIS LITERASI KEUANGAN SISWA SMK NEGERI

Abstract

Financial literacy is an important competence for vocational high school students because it is related to their ability to manage personal finances and make responsible financial decisions. This study aimed to determine the level of financial literacy among students at SMK Negeri 1 Tugala Oyo and to describe it based on basic personal financial knowledge, savings and loans, insurance, and investment. The study employed a quantitative approach with a descriptive design. The population consisted of 171 students in Grades X, XI, and XII, while a sample of 63 students was selected using the Slovin formula and simple random sampling. Data were collected through a four-point Likert-scale questionnaire consisting of 20 statements and supporting documentation. The instrument was reliable, with a Cronbach’s Alpha coefficient of 0.754. Data were analyzed using descriptive statistics with the assistance of SPSS version 26. The findings showed that the students’ overall financial literacy was categorized as low, with a mean score of 44.00 out of an ideal score of 80, equivalent to 55%. By indicator, basic personal financial knowledge reached 48.41%, savings and loans 58.57%, insurance 58.02%, and investment 55.00%; all indicators were categorized as low. These findings indicate the need to strengthen practical financial literacy education through classroom learning and school-based activities so that students are better prepared to manage personal finances, understand financial risks, and make responsible financial decisions.

ABSTRAK

Literasi keuangan merupakan kompetensi penting bagi siswa Sekolah Menengah Kejuruan (SMK) karena berkaitan dengan kemampuan mengelola keuangan pribadi dan mengambil keputusan finansial secara bertanggung jawab. Penelitian ini bertujuan untuk mengetahui tingkat literasi keuangan siswa di SMK Negeri 1 Tugala Oyo serta mendeskripsikannya berdasarkan aspek pengetahuan dasar keuangan pribadi, tabungan dan pinjaman, asuransi, dan investasi. Penelitian menggunakan pendekatan kuantitatif dengan desain deskriptif. Populasi penelitian berjumlah 171 siswa kelas X, XI, dan XII, sedangkan sampel sebanyak 63 siswa ditentukan menggunakan rumus Slovin dengan teknik simple random sampling. Data dikumpulkan melalui kuesioner skala Likert yang terdiri atas 20 butir pernyataan dan dokumentasi. Instrumen dinyatakan reliabel dengan nilai Cronbach’s Alpha 0,754. Analisis data menggunakan statistik deskriptif berbantuan SPSS versi 26. Hasil penelitian menunjukkan bahwa tingkat literasi keuangan siswa berada pada kategori rendah, dengan rata-rata skor 44,00 dari skor ideal 80 atau 55%. Berdasarkan indikator, pengetahuan dasar keuangan pribadi memperoleh 48,41%, tabungan dan pinjaman 58,57%, asuransi 58,02%, dan investasi 55,00%; seluruhnya berada pada kategori rendah. Temuan ini menunjukkan perlunya penguatan pendidikan literasi keuangan yang lebih aplikatif melalui pembelajaran dan kegiatan sekolah agar siswa lebih siap mengelola keuangan pribadi, memahami risiko, dan membuat keputusan finansial yang bertanggung jawab.