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All Journal Didaktik : Jurnal Ilmiah PGSD STKIP Subang
Clara Agrifina Attaillah
Uin Raden Fatah Palembang
Education

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PERAN KETERAMPILAN LITERASI MATEMATIKA TERHADAP PERILAKU FINANSIAL HARIAN: SEBUAH TINJAUAN PUSTAKA Farhan Riendaffa; Rifki Rio Ardian; Clara Agrifina Attaillah; M Reihan dwi putra; Muhammad Win Afgani
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 04 (2026): Volume 12 No. 4, Desember 2026 Released
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i04.19847

Abstract

Managing personal finances in daily routines is not merely a matter of consumerist attitude; it is fundamentally rooted in the capability to process numerical data accurately. This study aims to comprehensively analyze the role of mathematical literacy skills in shaping daily financial behaviors through a narrative literature review method. The literature search was conducted via Google Scholar, Garuda, DOAJ, and ScienceDirect databases, focusing on empirical and theoretical studies published between 2019 and 2026. The synthesized findings reveal that mathematical literacy serves as a primary cognitive prerequisite for financial literacy. Proficiency in proportional reasoning, compounding interest comprehension, discount percentage logic, and probabilistic risk evaluation significantly mitigates cognitive biases such as money illusion and hyperbolic discounting. Individuals with solid mathematical literacy exhibit disciplined budget allocation, avoidance of impulsive short-term digital credit (e.g., paylater schemes), and sound daily consumption rationales. The identified research gap highlights that formal mathematics education has historically remained detached from microeconomic realities. This study concludes that embedding contextual numeracy into mathematics curricula is essential for fostering financially prudent individuals.
Co-Authors Farhan Riendaffa M Reihan dwi putra Muhammad Win Afgani Rifki Rio Ardian