Jejak digital: Jurnal Ilmiah Multidisiplin
Vol. 2 No. 1 (2026): JANUARI

Meningkatkan Literasi Keuangan di Pedesaan Indonesia: Studi Kasus Pendidikan yang Didukung OJK di Jembayan Dalam

Margareth Henrika (Universitas Mulawarman)



Article Info

Publish Date
07 Jan 2026

Abstract

This study evaluates the effectiveness of a financial literacy program conducted with the Financial Services Authority (OJK) in Jembayan Dalam Village to enhance students' knowledge and financial decision-making skills. The focus is to understand the impact of financial literacy education on budgeting, saving, and money management in a rural context. Using a qualitative approach, data were collected through semi-structured interviews with students and teachers, classroom observations, and analysis of participation logs. The results show a significant improvement in students' financial literacy, particularly in budget planning and saving habits, through interactive learning. Teachers reported that students became more confident in managing finances, with the program being relevant to their daily lives. Student engagement was high, and they began applying financial concepts at home, indicating knowledge transfer to families. This study underscores the importance of financial literacy tailored to the needs of rural communities with limited access to financial resources. The findings contribute to the development of similar programs and suggest the need for further research to assess long-term impacts and the role of digital technology in program delivery.

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Journal Info

Abbrev

jejakdigital

Publisher

Subject

Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

Description

Jurnal Ilmiah Multidisiplin adalah jurnal elektronik dan cetak Open Access Journal yang diterbitkan oleh Indo Publishing setiap 6 kali dalam setahun menyediakan forum untuk mempublikasikan artikel penelitian asli, artikel review dari kontributor, dan berita teknologi baru mencangkup multidisiplin ...