Wahyutra Adilman Telaumbanua
Program Studi Pendidikan Ekonomi, Fakultas Keguruan Dan Ilmu Pendidikan, Universitas Nias

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ANALISIS LITERASI KEUANGAN SISWA SMK NEGERI Damai Krismawati Zalukhu; Arianto Lahagu; Asali Lase; Wahyutra Adilman Telaumbanua
VOCATIONAL: Jurnal Inovasi Pendidikan Kejuruan Vol. 6 No. 4 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/vocational.v6i4.15515

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.
PEMBELAJARAN EKONOMI BERBASIS E-LEARNING DALAM MENINGKATKAN MOTIVASI BELAJAR SISWA Arniwati Zalukhu; Wahyutra Adilman Telaumbanua; Asali Lase; Eka Septianti Laoli
STRATEGY : Jurnal Inovasi Strategi dan Model Pembelajaran Vol. 6 No. 4 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/strategi.v6i4.15513

Abstract

This study analyzes the implementation of e-learning-based economics learning, changes in students’ learning motivation after the use of e-learning, and the role of digital learning in supporting students’ motivation at SMA Negeri 1 Hiliduho. The study employed a descriptive qualitative approach. Informants were selected purposively and consisted of the principal, vice principal for curriculum, economics teacher, school operator, and seven Grade X-3 students representing different levels of learning engagement. Data were collected through semi-structured interviews, non-participant observation, and documentation. Data analysis involved reduction, display, conclusion drawing, as well as open coding, axial coding, and selective coding. Trustworthiness was strengthened through source triangulation, technique triangulation, and member checking. The findings show that economics learning has utilized Google Classroom and WhatsApp Group for material delivery, assignments, discussion, communication, and assessment. E-learning was associated with positive changes in students’ learning motivation, reflected in stronger interest, participation, independence, discipline, responsibility, and enthusiasm. E-learning also provided more flexible learning opportunities because students could revisit materials and access additional digital resources independently. However, these benefits were not fully equal because unstable internet connectivity and limited access to learning devices remained barriers. The findings indicate that the success of e-learning depends not only on digital platforms, but also on teacher readiness, school support, infrastructure, and active student participation. ABSTRAK Penelitian ini menganalisis pelaksanaan pembelajaran ekonomi berbasis teknologi e-learning, perubahan motivasi belajar siswa setelah pemanfaatan e-learning, dan peran teknologi tersebut dalam mendukung motivasi belajar di SMA Negeri 1 Hiliduho. Penelitian menggunakan pendekatan kualitatif deskriptif. Informan dipilih secara purposif dan terdiri atas kepala sekolah, wakil kepala sekolah bidang kurikulum, guru ekonomi, operator sekolah, serta tujuh siswa kelas X-3 dengan karakteristik keterlibatan belajar yang beragam. Data dikumpulkan melalui wawancara semi-terstruktur, observasi nonpartisipan, dan dokumentasi. Analisis dilakukan melalui reduksi data, penyajian data, penarikan kesimpulan, serta proses open coding, axial coding, dan selective coding. Keabsahan data diperkuat melalui triangulasi sumber, triangulasi teknik, dan member check. Hasil penelitian menunjukkan bahwa pembelajaran ekonomi telah memanfaatkan Google Classroom dan WhatsApp Group untuk penyampaian materi, pemberian tugas, diskusi, komunikasi, dan evaluasi. Penggunaan e-learning berkaitan dengan perubahan positif pada motivasi belajar yang tampak melalui meningkatnya minat, keaktifan, kemandirian, kedisiplinan, tanggung jawab, dan antusiasme siswa. E-learning juga memberi ruang belajar yang lebih fleksibel karena materi dapat diakses kembali dan sumber belajar digital dapat digunakan secara mandiri. Namun, manfaat tersebut belum sepenuhnya merata karena kualitas jaringan internet dan keterbatasan perangkat masih menjadi kendala. Temuan ini menunjukkan bahwa keberhasilan e-learning tidak hanya bergantung pada platform digital, tetapi juga pada kesiapan guru, dukungan sekolah, infrastruktur, dan partisipasi siswa.