Literasi Ekonomi, Literasi Keuangan, Literasi Digital dan Perilaku Keuangan di Era Ekonomi Digital
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Dec 27, 2022
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literasi ekonomi; literasi keuangan; literasi digital; perilaku keuangan.
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Abstract
Dunia kini memasuki babak baru, era ekonomi digital, bahkan sedang berlangsung. Keterbatasan akses sumber daya di dunia ekonomi mengungkapkan pentingnya literasi ekonomi, literasi keuangan dan perilakunya dalam mengelola keuangan, serta memadainya literasi digital untuk mencapai keberhasilan dan keluar dari jeratan paradigma dan keniscayaan di era ini. Penelitian ini menyajikan literatur-literatur relevan tentang konsep dan faktor-faktor penentu serta determinan literasi ekonomi (EL), literasi keuangan (FL) dan literasi digital (DL). Juga menyajikan literatur yang menunjukkan relevansi EL, FL dan DL dengan perilaku keuangan di era ekonomi digital. Untuk memenuhi tujuan ini, systematic literature review dilakukan. Temuan, bahwa terlepas dari berbagai perspektif yang berbeda mengenai konsep EL, FL dan DL, faktor penentu dan determinan ketiganya, tetapi inti konsep pada dasarnya sama sesuai konteks, interpretasi dan praktiknya. Tahapan literatur review, hasil temuan, pembahasan temuan hasil kajian, diakhiri dengan simpulan dan implikasi yang dilengkapi dengan rekomendasi dijelaskan pada artikel ini.
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Susetyo, D. P. ., & Firmansyah, D. . (2022). Literasi Ekonomi, Literasi Keuangan, Literasi Digital dan Perilaku Keuangan di Era Ekonomi Digital. Economics and Digital Business Review, 4(1), 261–279. https://doi.org/10.37531/ecotal.v4i1.331
References
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Firmansyah, D., Rifa’i, A. A., Suryana, A., & Suwarna, A. I. (2021). Self Identity Management UMKM Dalam Cyberspace: Perspectif Pasca Transformasi Digital UMKM Di Kawasan Destinasi Wisata Geopark Cileutuh. J-ABDI: Jurnal Pengabdian Kepada Masyarakat, 1(6), 1075–1084.
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Main Article Content
Abstract
Dunia kini memasuki babak baru, era ekonomi digital, bahkan sedang berlangsung. Keterbatasan akses sumber daya di dunia ekonomi mengungkapkan pentingnya literasi ekonomi, literasi keuangan dan perilakunya dalam mengelola keuangan, serta memadainya literasi digital untuk mencapai keberhasilan dan keluar dari jeratan paradigma dan keniscayaan di era ini. Penelitian ini menyajikan literatur-literatur relevan tentang konsep dan faktor-faktor penentu serta determinan literasi ekonomi (EL), literasi keuangan (FL) dan literasi digital (DL). Juga menyajikan literatur yang menunjukkan relevansi EL, FL dan DL dengan perilaku keuangan di era ekonomi digital. Untuk memenuhi tujuan ini, systematic literature review dilakukan. Temuan, bahwa terlepas dari berbagai perspektif yang berbeda mengenai konsep EL, FL dan DL, faktor penentu dan determinan ketiganya, tetapi inti konsep pada dasarnya sama sesuai konteks, interpretasi dan praktiknya. Tahapan literatur review, hasil temuan, pembahasan temuan hasil kajian, diakhiri dengan simpulan dan implikasi yang dilengkapi dengan rekomendasi dijelaskan pada artikel ini.
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References
Akhan, N E. (2013). Economy literacy step by step: the alternative ways for the social studies lessons. Adıyaman University Journal of Social Sciences Institute, 6(14), 1–36.
Akhan, Nadire Emel. (2015). Economic Literacy Levels of Social Studies Teacher Candidates. World Journal of Education, 5(1), 25–39.
Anthony, K. V, Smith, R. C., & Miller, N. C. (2015). Preservice elementary teachers׳ economic literacy: Closing gates to full implementation of the social studies curriculum. The Journal of Social Studies Research, 39(1), 29–37. https://doi.org/10.1016/j.jssr.2014.04.001
Bawden, D. (2008). Origins and concepts of digital literacy. In Digital literacies: Concepts, policies and practices (Vol. 30, Issue 2008).
Bawden, D. (2002). Revisión de los conceptos de alfabetización informacional y alfabetización digital. Anales de Documentación, 5, 361–408.
Biezā, K. E. (2020). Digital literacy: Concept and definition. International Journal of Smart Education and Urban Society (IJSEUS), 11(2), 1–15. https://www.igi-global.com/article/digital-literacy/248468
Bucher-Koenen, T., & Lusardi, A. (2011). Financial literacy and retirement planning in Germany. J Pension Econ Financ, 10(4), 565–584. https://doi.org/10.1017/S1474747215000311
Budiwati, N., Hilmiatussadiah, K. G., Nuriansyah, F., & Nurhayati, D. (2020). Economic Literacy and Economic Decisions. Jurnal Pendidikan Ilmu Sosial, 29(1), 85–96.
Damayanti, R., Al-Shami, S. S. A., Rahim, B., Rahim, A. B., Marwati, F. S., & Malaysia, M. (2018). Factors that influence financial literacy on small medium enterprises: A literature review. Opción, 34(86), 1540–1557.
Dilek, S., KESGİNGÖZ, H., Konak, A., & HALICIOĞLU, S. (2018). Factors affecting economic literacy. Afro Eurasian Studies, 7(1), 7–47. https://dergipark.org.tr/en/pub/afes/article/475575
Emas, R. (2015). The concept of sustainable development: definition and defining principles. Brief for GSDR, 2015, 10–13140. https://asset-pdf.scinapse.io/prod/2184349672/2184349672.pdf
Eshet, Y. (2004). Digital literacy: A conceptual framework for survival skills in the digital era. Journal of Educational Multimedia and Hypermedia, 13(1), 93–106. https://www.learntechlib.org/primary/p/4793/.
Farrell, C. (1999). We’re All Economists. Economic Literacy Symposium, 13.
Fernandes, D., Lynch Jr, J. G., & Netemeyer, R. G. (2014). Financial literacy, financial education, and downstream financial behaviors. Management Science, 60(8), 1861–1883. https://doi.org/10.1287/mnsc.2013.1849 Abstract
Firmansyah, D. (2022a). Kinerja Kewirausahaan: Literasi Ekonomi, Literasi Digital dan Peran Mediasi Inovasi. Formosa Journal of Applied Sciences, 1(5), 745–762. https://doi.org/10.55927/fjas.v1i5.1288
Firmansyah, D. (2022b). Teknik Pengambilan Sampel Umum dalam Metodologi Penelitian: Literature Review. Jurnal Ilmiah Pendidikan Holistik (JIPH), 1(2), 85–114. https://doi.org/10.55927/jiph.v1i2.937
Firmansyah, D., Rifa’i, A. A., & Suryana, A. (2022). Human Resources: Skills and Entrepreneurship in Industry 4.0. Formosa Journal of Applied Sciences, 1(6), 1221–1240. https://doi.org/10.55927/fjas.v1i6.1899
Firmansyah, D., Rifa’i, A. A., Suryana, A., & Suwarna, A. I. (2021). Self Identity Management UMKM Dalam Cyberspace: Perspectif Pasca Transformasi Digital UMKM Di Kawasan Destinasi Wisata Geopark Cileutuh. J-ABDI: Jurnal Pengabdian Kepada Masyarakat, 1(6), 1075–1084.
Firmansyah, D., & Saepuloh, D. (2022). Daya Saing: Literasi Digital dan Transformasi Digital. Journal of Finance and Business Digital, 1(3), 237–250. https://doi.org/10.55927/jfbd.v1i3.1348
Firmansyah, D., Suryana, A., & Rifa’i, A. A. (2022). PMD (Pelatihan Media Digital) Sektor Usaha Mikro dan Kecil Handycraft Bambu Di KAA Sukabumi Guna Meningkatkan Pemasaran Online Berbasis Marketplace Di Era Ekonomi Digital. J-ABDI: Jurnal Pengabdian Kepada Masyarakat, 1(10), 2805–2816.
Firmansyah, D., Suryana, A., Rifa’i, A. A., & Susetyo, D. P. (2022). DMT-CE (Digital Media Training-Capability Enhancement) Culinary Business Sector Sop Asep Amih Sukabumi to Improve Online-Based Adaptive Marketing Capabilities. Asian Journal of Community Services, 1(5), 217–230. https://doi.org/10.55927/ajcs.v1i5.1826
Firmansyah, D., Susetyo, D. P., Suryana, A., & Rifai, A. A. (2020). Analisis Pengaruh Kualitas Produk Dan Harga Terhadap Loyalitas Pelanggan Di Usaha Minuman Ringan Bubble’ku Bubble Drink Dan Ice Blend Di Ramayana Dept. Store Kota Sukabumi. Jurnal Mirai Management, STIE AMKOP. Makasar., 293–303. https://doi.org/DOI: https://doi.org/10.1234/mirai.v5i2.619
Gerek, S., & Kurt, A. A. (2011). Ekonomi okuryazarlığı ölçeğinin geçerlik ve güvenirlik çalışması. Uludağ Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 30(1), 59–73.
Gilster, P. (1997). Digital Literacy. In Wiley&Sons. Inc. New York: Wiley&Sons. Inc.
Grohmann, A. (2018). Financial literacy and financial behavior: Evidence from the emerging Asian middle class. Pacific-Basin Finance Journal, 48, 129–143. https://doi.org/10.1016/j.pacfin.2018.01.007
Gutter, M., & Copur, Z. (2011). Financial Behaviors and Financial Well-Being of College Students: Evidence from a National Survey. Journal of Family and Economic Issues, 32(4), 699–714. https://doi.org/10.1007/s10834-011-9255-2
Hansen, W. L., Salemi, M. K., & Siegfried, J. J. (2002). Use it or lose it: Teaching literacy in the economics principles course. American Economic Review, 92(2), 463–472. https://doi.org/10.1257/000282802320191813
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