Financial Literacy Analysis of Elementary School Students- a Quantitative Descriptive Study
DOI:
https://doi.org/10.30736/atl.v10i1.2688Keywords:
Financial literacy, elementary school students, financial knowledge, financial attitudes, financial management skillsAbstract
Financial literacy among elementary school students has become increasingly important in the context of a growing consumer culture and early exposure to money management. However, its implementation in elementary education has not yet been systematically integrated into the curriculum. This research explores the extent of financial literacy among elementary school students, focusing on their knowledge, attitudes, and skills in financial management. This investigation aims to present a detailed outline of students' financial literacy levels as a basis for enhancing early financial education. This study employs a quantitative, descriptive methodology. The sample comprises 22 elementary school students chosen through saturated sampling. Information was gathered using a financial literacy questionnaire and analyzed using descriptive statistics, such as scores, frequencies, and percentages. The findings revealed that 50% of students were categorized as having high financial literacy, 45.5% as moderate, and 4.5% as very low, with no students in the low category. These results indicate that most students already possess a relatively good understanding of financial literacy. Nevertheless, continuous efforts are needed to strengthen their ability to apply financial management skills consistently in daily life.
Downloads
References
Achmad, Z. A., Arista, Z. F., Ratnawati, R. A., & Isnan, M. (2024). Literasi Keuangan Dasar bagi Siswa SD Kristen Jerili untuk Meningkatkan Pengetahuan Ekonomi. Amaliah: Jurnal Pengabdian Kepada Masyarakat (AJPKM), 8(2). https://doi.org/10.32696/ajpkm.v
Agustina, F., Anita, E., & Muthmainnah, M. (2023). Pengaruh Literasi Keuangan Dan Lingkungan Sosial Terhadap Perilaku Keuangan Mahasiswa FEBI UIN STS Jambi. Maslahah : Jurnal Manajemen Dan Ekonomi Syariah, 2(1), 69–81. https://doi.org/10.59059/maslahah.v2i1.610
Amadi, A. S. M., Suwarta, N., Sholikha, D. W., & Amrullah, M. (2023). Pemahaman Pendidikan Finansial Sejak Dini. Journal of Education Research, 4(3), 1419–1428. https://doi.org/10.37985/jer.v4i3.356
Amagir, A., Groot, W., Maassen van den Brink, H., & Wilschut, A. (2018). A Review of Financial-literacy Education Programs for Children and Adolescents. Citizenship, Social and Economics Education, 17(1), 56–80. https://doi.org/10.1177/2047173417719555
Annisa Annisa, Merlin Dwi Nova, Sofi Yuliyanti, Siti Nurhayati, Tiara Nofiana, Slamet Gunadi, Yolla Sukma Handayani, & Asih Setyo Rini. (2024). Pelatihan dan Pendampingan Pembelajaran Calistung dalam Meningkatkan Keterampilan Dasar Siswa Kelas 1 di SDN Kalitimbang II. Jurnal Kabar Masyarakat, 2(3), 297–304. https://doi.org/10.54066/jkb.v2i3.2369
Aprilian, R. I., & Anggita, W. (2025). Pengaruh Literasi Keuangan terhadap Perilaku Konsumtif Mahasiswa Akuntansi di Universitas Bangka Belitung. IJAB : Indonesian Journal Of Accounting and Business, (0717), 61–70.
Azidzul, N. A., Shahar, N. B. M., Yussoff, N. E., & Fuzi, S. F. S. M. (2023). The Influence of Financial Attitude , Literacy , Knowledge and Skills on Financial Management Behaviour Among Students in Public University. International Journal of Advanced Research in Economics and Finance, 5(4), 50–60. https://doi.org/10.55057/ijaref.2023.5.4.5
Aziz, M., Juliansyah, J., & Fitri, N. L. (2024). Pelatihan Edukasi Literasi Keuangan untuk Meningkatkan Kesadaran Menabung Siswa SMA di Wilayah Rural Berbasis Modul Digital Interaktif. Journal of Community Engagement in Economics, 2(2), 47–52. https://doi.org/10.35896/jcee.v2i2.1094
Desnira Nulhakim, David Rizar Nugroho, Enden Darjatul Ulya, & Mulyono Mulyono. (2025). Hubungan Aktivitas Belanja Online dengan Management Keuangan Pribadi di Kalangan Mahasiswa. Dialogika : Jurnal Penelitian Komunikasi Dan Sosialisasi, 1(4), 255–266. https://doi.org/10.62383/dialogika.v1i4.769
Djoko, S. (2024). Problematika Pembelajaran Literasi Keuangan di SD dan Solusi Pemecahannya. Jurnal Pelita PAUD, 8(2), 586–592. https://doi.org/10.33222/pelitapaud.v8i2.4009
Elsalonika, A., & Ida, I. (2025). Perilaku Keuangan Generasi Z: Peran Penerapan Financial Technology, Literasi Keuangan, dan Efikasi Diri. Jurnal Manajemen Bisnis Dan Kewirausahaan, 9(2), 365–379. https://doi.org/10.24912/jmbk.v9i2.32838
Fadhila, N., & Khairul, A. P. (2025). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Pengelolaan Keuangan Mahasiswa. Balance : Jurnal Akuntansi Dan Manajemen, 4(3), 2049–2059. https://doi.org/10.59086/jam.v4i3.1353
Fanani, D. O., Sulistyowati, P., & Yulianti. (2024). Literasi Keuangan pada Aspek Menghasilkan Uang Siswa Sekolah Dasar. Jurnal Pendidikan : SEROJA, 3(3), 451–459.
Hanifah, A., Maswanto, Mutmainah, Riyanti, Hamdan, M., & Robiah. (2022). Pentingnya Literasi Keuangan Untuk Anak Usia Dini Di TK Islam Melati, Kelurahan Cempaka Putih Kecamatan Ciputat Timur Tangerang Selatan. Prosiding Seminar Nasional Pengabdian Masyarakat LPPM UNJ, 1–8. Retrieved from https://jurnal.umj.ac.id/index.php/semnaskat/article/view/15971
Helsa Qaira Sukmarani, Rosiana Mufliva, Riyadi, D., & Isna Soffi Aristin Rohiman. (2025). Pengembangan Media Interaktif Berbasis PBL untuk Meningkatkan Kemampuan Pemecahan Masalah Matematika Fase B. Indonesian Journal of Elementary Education (IJETE), 1(1), 17–27. https://doi.org/10.62567/ijete.v1i1.1105
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Janah, W. I. N., & Anindya, K. N. (2026). Pengaruh Literasi Keuangan, Pengalaman Keuangan, dan Lingkungan Sosial terhadap Perilaku Keuangan. UPY Business and Management Journal (UMBJ), 5(1), 192–207. https://doi.org/10.31316/ubmj.v5i1.8929
Karlis, R., & Arsya, F. (2025). Edukasi Literasi Keuangan Untuk Siswa Sekolah Dasar SDN 03 Limo Badak Malalak Timur Secara Efektif. Tanmiyah Impact: Islamic Economics & Business Service Journal, 1(1), 1–10. https://doi.org/https://doi.org/10.30983
Khairi, M., Rianto, B., Chrismondari, Yolnasdi, Jalil, M., Juita, H., & Sudeska, E. (2025). Pengaruh Teknologi dalam Transformasi Ekonomi dan Bisnis di Era Digital. Jurnal Perangkat Lunak, 7(1), 71–78. https://doi.org/10.32520/jupel.v7i1.3947
Lahallo, F. F., Rupilele, F. G. J., Muskita, S. M. W., Ferdinandus, A. Y., Pakpahan, R. R., & Madina, L. O. (2022). Pentingnya Pengenalan Literasi Keuangan bagi Anak Usia Dini pada Rumah Baca Kanaan Kota Sorong. J-DEPACE : Journal Of Dedication To Papua Community Jurnal Pengabdian Masyarakat, 5(2), 42–56. https://doi.org/https://doi.org/10.34124/jpkm.v5i2.118
Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). Jakarta. Retrieved from https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Strategi-Nasional-Literasi-Keuangan-Indonesia-(Revisit-2017)-.aspx
Pujianti, T., Syaodih, E., & Djoehaeni, H. (2020). Peran Orang Tua dalam Melakukan Financial Education pada Anak Usia Dini. Edukid, 16(2), 99–108. https://doi.org/10.17509/edukid.v16i2.19796
Putra, B. H. (2018). Pengaruh Sosialisasi Keuangan Keluarga terhadap Perilaku Menabung Mahasiswa. Jurnal Pendidikan Ekonomi, Manajemen, Dan Keuangan, 2(2), 107–114. https://doi.org/https://doi.org/10.26740/jpeka.v6n2.p107-114
Rahmah, N. S., & Sari, I. (2025). Menumbuhkan Kesadaran Literasi Keuangan Sejak Dini melalui Edukasi Investasi Siswa di SDN 07 Alahan Sirih. Tanmiyah Impact: Islamic Economics & Business Service Journal, 1(3), 1–12. Retrieved from https://studentresearchhub.org/tanmiyahimpact/article/view/217
Ranem, I. N., & Dewi, N. P. C. P. (2024). Edukasi Literasi Keuangan Sejak Dini pada Anak Usia Sekolah Dasar. Jurnal Manajemen Dan Ekonomi, 2, 41–50.
Riyadi, D., & Giwangsa, S. F. (2025). Teacher Strategies for Instilling Character Education in 21st Century Learning in Elementary Schools. International Conference on Elementary Education, 8, 799–808.
Riyadi, D., & Muyassaroh, I. (2025). Implementation Of Digital Technology-Based Deep Learning in Elementary Schools: A Qualitative Study of Teacher Strategies and School Policies. ICERD: International Conference on Education and Regional Development, 330–341.
Riyanti, T., & Nugraha, M. S. (2024). Evaluasi Efektivitas Manajemen Pembiayaan Pendidikan Menggunakan Model CIPP di Sekolah Menengah Atas Swasta. Epistemic: Jurnal Ilmiah Pendidikan, 3(1), 97–112. https://doi.org/10.70287/epistemic.v3i1.80
Sakir, I. M. (2024). Metode Penelitian: Kuantitatif, Kualitatif, Mixed Method. Yogyakarta: Filosofis Indonesia Press.
Sihotang, I. M. (2025). Financial Literacy Understanding From An Early Age : Building A Foundation Of Financial. Proceeding International Seminar on Islamic Studies, 6(1), 236–243. https://doi.org/10.62017/insis.v6i1.22726
Sunita, N. W., Dartiningsih, M. W., Sumaryani, N. P., Parmithi, N. N., & Mahendra, I. W. E. (2025). Integration of Financial Literacy Learning in The Merdeka Curriculum at Junior High Schools, Bali Province. Journal of Information Systems Engineering and Management, 10(3), 1259–1268. https://doi.org/10.52783/jisem.v10i3.7517
Syahid, I. (2023). Urgensi Pendidikan Literasi Keuangan pada Anak. Jemi: Jurnal Edukasi Pendidikan Guru Madrasah Ibtidaiyah, 1(1), 64–80. https://doi.org/10.61815/jemi.v1i1.309
Vhalery, R., Sulistiyani, S., & Sulikah, S. (2024). Peran Lingkungan Keluarga dalam Pembentukan Literasi Finansial Anak Akur Sunda Wiwitan. Research and Development Journal of Education, 10(1), 552. https://doi.org/10.30998/rdje.v10i1.23515
Wijaya, F. R., Lubis, F. A. R., Siregar, M. N. S., & Batubara, A. A. F. (2025). Sumber Data, Subjek Penelitian, dan Isu Terkait. Edukatif, 3(2), 271–276. https://doi.org/10.65311/je.v3i2.1567
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Diki Riyadi, Sapriya, Sendi Fauzi Giwangsa
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
The journal allow the authors to hold the copyright without restrictions and allow the authors to retain publishing rights without restrictions. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
The journal allows third parties (readers, researchers, and others) to share and adapt the material in line with the license. In addition, the material must be given appropriate credit, provided with a link to the license, and indicate if changes were made. If authors remix, transform, or build upon the material, they must distribute their contributions under the same license as the original.
