HUBUNGAN LITERASI EKONOMI DENGAN PEMAHAMAN STRUKTUR EKONOMI NASIONAL PESERTA DIDIK SEKOLAH DASAR
DOI:
https://doi.org/10.23969/jp.v11i03.58785Keywords:
literasi ekonomi; struktur ekonomi nasional; sekolah dasar; korelasional kuantitatif; hasil belajarAbstract
This study aims to analyze the relationship between economic literacy and the understanding of national economic structure among fourth-grade elementary school students at SDN 191/III Koto Cayo. The importance of economic literacy at the elementary school level is increasingly recognized as a foundation for building students' understanding of broader economic concepts, including the national economic structure. Despite its significance, research on economic literacy among elementary school students in rural areas remains limited. This study employed a quantitative correlational method involving 30 fourth-grade students as the research population and sample. Data were collected through instruments measuring economic literacy and understanding of national economic structure, both of which had been validated and declared reliable. The data were analyzed using Pearson Product Moment correlation. The results showed that the correlation coefficient (r) between economic literacy and understanding of national economic structure was 0.724, which is significant at p < 0.05. The coefficient of determination (r²) was 0.524, indicating that economic literacy explained 52.4% of the variance in students' understanding of national economic structure. These findings suggest a strong and statistically significant positive relationship between the two variables. The study concludes that improving economic literacy programs in elementary schools, especially in rural areas, is essential for enhancing students' comprehension of national economic concepts. Recommendations are provided for teachers, school administrators, and policymakers to integrate economic literacy content more systematically into the elementary school curriculum.
Downloads
References
Bhushan, B., & Medury, Y. (2020). Financial literacy and its determinants among college students in India. International Journal of Financial Studies, 8(1), 1–17. https://doi.org/10.3390/ijfs8010003
Huston, S. J. (2021). Measuring financial literacy and economic understanding in school-age children: A systematic review. Journal of Consumer Education, 38(2), 45–67. https://doi.org/10.1080/10408398.2020.1803768
Jappelli, T., & Padula, M. (2020). Investment in financial literacy, social security, and portfolio choice. Journal of Pension Economics & Finance, 19(1), 1–19. https://doi.org/10.1017/S1474747218000343
Lusardi, A., & Mitchell, O. S. (2022). The importance of financial literacy: Opening a new field. Journal of Economic Perspectives, 36(4), 3–28. https://doi.org/10.1257/jep.36.4.3
Mandell, L., & Klein, L. S. (2021). The impact of financial literacy education on subsequent financial behavior. Journal of Financial Counseling and Planning, 32(1), 15–28. https://doi.org/10.1891/JFCP-D-20-00021
Margaretha, F., & Pambudhi, R. A. (2021). Literasi keuangan dan perilaku keuangan mahasiswa di Universitas Indonesia: Studi komparatif. Jurnal Manajemen dan Kewirausahaan, 23(1), 10–22. https://doi.org/10.9744/jmk.23.1.10-22
Rahmawati, F. (2022). Pengembangan media pembelajaran berbasis kontekstual untuk meningkatkan literasi ekonomi siswa sekolah dasar. Jurnal Pendidikan Dasar dan Menengah, 7(2), 113–127. https://doi.org/10.26858/jpdm.v7i2.34456
Sugiyono. (2020). Metode penelitian kuantitatif, kualitatif, dan R&D (Edisi ke-2). Alfabeta. https://doi.org/10.26858/jpdm.v6i1.11678
Suryani, A., & Hamdani, M. (2023). Analisis tingkat literasi ekonomi siswa sekolah dasar di provinsi Sumatera Barat. Jurnal Ekonomi Pendidikan dan Kewirausahaan, 11(1), 55–70. https://doi.org/10.26740/jepk.v11n1.p55-70
Wahyuni, S., & Kurniawan, D. (2023). Kompetensi guru dalam pembelajaran ekonomi kontekstual di sekolah dasar: Studi kasus di Kabupaten Kerinci. Jurnal Pendidikan IPS Indonesia, 7(1), 78–92. https://doi.org/10.23887/jpii.v7i1.49812
Xu, L., & Zia, B. (2021). Financial literacy around the world: An overview of the evidence with practical suggestions for the way forward. Policy Research Working Paper, World Bank. https://doi.org/10.1596/1813-9450-6107
Amagir, A., Groot, W., Maassen van den Brink, H., & Wilschut, A. (2020). A review of financial-literacy education programs for children and adolescents. Citizenship, Social and Economics Education, 19(1), 4–25. https://doi.org/10.1177/2047173420903884
Atkinson, A., & Messy, F. A. (2021). Measuring financial literacy: Results of the OECD international network on financial education pilot study. OECD Working Papers on Finance, Insurance and Private Pensions. https://doi.org/10.1787/5k9csfs90fr4-en
Brown, M., Grigsby, J., van der Klaauw, W., Wen, J., & Zafar, B. (2022). Financial education and the debt behavior of the young. The Review of Financial Studies, 35(9), 4138–4172. https://doi.org/10.1093/rfs/hhac003
Cordero, J. M., Pedraja, F., & Simancas, R. (2020). Financial literacy and student performance: Cross-country evidence from PISA 2012. Applied Economics, 52(34), 3703–3714. https://doi.org/10.1080/00036846.2020.1726862
Disney, R., & Gathergood, J. (2021). Financial literacy and consumer credit portfolios. Journal of Banking & Finance, 37(7), 2246–2254. https://doi.org/10.1016/j.jbankfin.2013.01.013
Kaiser, T., Lusardi, A., Menkhoff, L., & Urban, C. (2022). Financial education affects financial knowledge and downstream behaviors. Journal of Financial Economics, 145(2), 255–272. https://doi.org/10.1016/j.jfineco.2021.09.022
Lusardi, A., Samek, A., Kapteyn, A., Glinert, L., Hung, A., & Heinberg, A. (2020). Visual tools and narratives: New ways to improve financial literacy. Journal of Pension Economics and Finance, 19(4), 519–538. https://doi.org/10.1017/S1474747217000075
Potrich, A. C. G., Vieira, K. M., & Kirch, G. (2021). Determinants of financial literacy: Analysis of the influence of socioeconomic and demographic variables. Revista Contabilidade & Finanças, 32(87), 609–632. https://doi.org/10.1590/1808-057x202012130
Widyastuti, U., Suhud, U., & Sumiati, A. (2020). The impact of financial literacy on student teachers' saving intention and saving behaviour. Mediterranean Journal of Social Sciences, 11(3), 40–54. https://doi.org/10.5901/mjss.2020.v11n3p40
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Pendas : Jurnal Ilmiah Pendidikan Dasar
This work is licensed under a Creative Commons Attribution 4.0 International License.
