Integrasi Literasi Keuangan dalam Pendidikan Menengah sebagai Upaya Penguatan Perilaku Ekonomi Rasional Siswa

Abstract

This study aims to analyze the urgency of integrating financial literacy into secondary education as an effort to foster rational economic behavior among students. The low level of financial literacy among the younger generation has resulted in weak personal financial management, high levels of consumptive behavior, and limited early investment awareness. The 2024 National Survey on Financial Literacy and Inclusion (SNLIK) indicates that the financial literacy index for the 15–17 age group reached only 51.68%, significantly below the national average of 66.46%. This research employs a descriptive qualitative approach using a library research method and educational policy analysis. Data were collected from scientific journals, reports of national financial institutions, educational regulations, and policy documents related to financial literacy published within the last three years. The findings reveal that the integration of financial literacy through a competency-based economics curriculum, project-based learning, and collaboration with financial institutions can enhance students’ conceptual understanding and practical skills in economic decision-making. The implications of this study emphasize the importance of strengthening an applied, competency-based economic curriculum to cultivate a generation that is adaptive to the dynamics of the digital economy and possesses financial resilience in the era of digital transformation.