The Role of Economic Educators in Implementing Financial Literacy for Household Actors

Ramita Kholifaturrohmah, Cut Misni Mulasiwi, Monica Rosiana

Abstract


This research sought to examine the role of economic educators in implementing financial literacy for household actors. The role can be carried out through the Tri Dharma of Higher Education, i.e., (1) education, (2) research, and (3) community service. The implementation through education is in the form of learning activities providing financial literacy learning materials, such as economic transactions, introduction to economic resources, and the concepts of spending, saving, and sharing, which is expected to provide insight into good and correct financial management. Being equipped with this, university students as household actors are expected to have good financial literacy knowledge and skills. The results of several studies show that there is an effect of economic literacy on financial management behavior. Thus, the urgency of financial literacy can be seen in that it can have an impact on a person’s behavior in managing his/her finances. For this reason, it is necessary to know the factors that influence financial literacy, so that efforts are required to increase these factors. Household actors are expected to know how to change or improve behavior in financial management so they can improve their welfare. The results of community service activities regarding financial literacy of household actors also show an increase in knowledge and skills in managing finances. Based on the research results, awareness of the importance of financial literacy knowledge is needed for households. For this reason, economic educators are expected to continue to educate household actors on financial literacy through the Tri Dharma of Higher Education in a sustainable manner. In addition, there is a need for collaboration with various parties such as the Ministry of Education and Culture, the Ministry of Finance, the Ministry of Religion, and the Financial Services Authority (Otoritas Jasa Keuangan; OJK) in order to encourage an increase in the financial literacy index to create a better standard of living for the people and encourage the country’s economic growth.

 

Keywords: economic educators, financial literacy, household actors, Tri Dharma of Higher Education


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