PERAN BIMBINGAN KONSELING DALAM MENINGKATKAN LITERASI KEUANGAN SISWA
Keywords:
Guidance and Counseling; Financial Literacy; Vocational High School Students; Life Skills; Financial Education
Abstract
Financial literacy is one of the essential life skills that students need to possess, particularly vocational high school (SMK) students who are prepared to enter the workforce and participate in social life. The low level of students’ ability to manage personal finances, such as budgeting pocket money, saving, and planning long-term finances, indicates the need for targeted and sustainable educational interventions. This study aims to examine and analyze the role of guidance and counseling services in improving students’ financial literacy at SMK Negeri 1 Toma. This research employs a mixed-method approach with an explanatory sequential design, combining quantitative and qualitative methods. Quantitative data were collected through financial literacy questionnaires distributed to students, while qualitative data were obtained through interviews with guidance and counseling teachers and selected students. The results indicate that guidance and counseling services play a significant role in enhancing students’ financial literacy, particularly in terms of basic financial management understanding and attitudes toward saving habits. However, the application of financial literacy in long-term financial planning remains suboptimal. These findings suggest that guidance and counseling services need to be optimized and more systematically integrated with learning programs and other school activities in order to foster more responsible and sustainable financial behavior among students.
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Yulianti, Y. et al. (2024). The Role of Guidance and Counseling in Students’ Learning Problems at School. International Journal of Education, Management, and Technology, 2(3):372-386. https://doi.org/10.58578/ijemt.v2i3.4173
Zulkarnain, Z. et al. (2024). Penyuluhan Peningkatan Literasi Keuangan di Kalangan Siswa dan Warga Sekolah. Journal of Human and Education (JAHE), 4(1):443-457. https://doi.org/10.31004/jh.v4i1.653
Amagir, A. (2018). A Review of Financial-Literacy Education Programs for Children and Adolescents. Sage Journals (systematic review catalyst).
Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy: Results of the OECD. OECD
Darmansyah, A., Susanti, A., Kurniawati, I., & Anggraini, D. (2025). Implementation of Financial Literacy Development Strategies in Elementary School Students. EduBase: Journal of Basic Education, 5(1). https://doi.org/10.47453/edubase.v5i1.2001
Darmawan Harefa, Murnihati Sarumaha, Kaminudin Telaumbanua, Tatema Telaumbanua, Baziduhu Laia, F. H. (2023). Relationship Student Learning Interest To The Learning Outcomes Of Natural Sciences. International Journal of Educational Research and Social Sciences (IJERSC), 4(2), 240–246. https://doi.org/https://doi.org/10.51601/ijersc.v4i2.614
Foahonoa Zisokhi Nehe, Mesrawati Ndruru, Wiwin Cintia Dewi Bu’ulolo, Irman Imawan Laia, Matius Halawa, & Darmawan Harefa. (2024). Model Pembelajaran Contextual Teaching and Learning (CTL) terhadap Kemampuan Pemahaman Konsep Matematis Siswa pada Materi Dimensi Tiga. Sukabumi. CV Jejak (Jejak Publisher).
Gaurifa, M., & Darmawan Harefa. (2023). Development Of A Cartesian Coordinate Module To The Influence Of Implementing The Round Club Learning Model On Mathematics Student Learning Outcomes. Afore : Jurnal Pendidikan Matematika, 2(2), 45-55. https://doi.org/10.57094/afore.v2i2.1130
Gaurifa, M., & Darmawan Harefa. (2024). Learning Mathematics In Telukdalam Market: Calculating Prices And Money In Local Trade. Afore : Jurnal Pendidikan Matematika, 3(2), 97-107. https://doi.org/10.57094/afore.v3i2.2305
Halawa, S., & Darmawan Harefa. (2024). The Influence Of Contextual Teaching And Learning Based Discovery Learning Models On Abilities Students’ Mathematical Problem Solving. Afore : Jurnal Pendidikan Matematika, 3(1), 11-25. https://doi.org/10.57094/afore.v3i1.1711
Harefa, D. (2023). Efektivitas Model Pembelajaran Talking Chips Untuk. Tunas: Jurnal Pendidikan Biologi, 4(1).
Harefa, D., Sarumaha, M. ., Telaumbanua, K. ., Telaumbanua, T. ., Laia, B. ., & Hulu, F. . (2023). Relationship Student Learning Interest To The Learning Outcomes Of Natural Sciences. International Journal of Educational Research &Amp; Social Sciences, 4(2), 240–246. https://doi.org/10.51601/ijersc.v4i2.614
Kaminudi Telaumbanua, & Darmawan Harefa. (2024). Efektivitas Layanan Penguasaan Konten Dalam Meningkatkan Kreativitas Belajar . FAGURU: Jurnal Ilmiah Mahasiswa Keguruan, 3(2), 16-29. https://doi.org/10.57094/faguru.v3i2.1919
Lovekesh, Ahirwar, S., et al. (2024). Understanding the Impact of Financial Literacy on Economic Awareness Among Senior Secondary Students in Delhi: A Qualitative Exploration. Journal of Neonatal Surgery, 13(1). https://doi.org/10.63682/jns.v13i1.6661
Mansur, A. et al. (2024). The Importance of Financial Literacy Among Elementary School Students. International Journal of Emerging Research and Review, 2(3):74. https://doi.org/10.56707/ijoerar.v2i3.74
Murnihati Sarumaha, Harefa, D., Adam Smith Bago, Amaano Fau, Wira Priatin Lahagu, Toni Lastavaerus Duha, Musafir Zirahu, & Hartaniat Warisman Lase. (2023). Sosialisasi Tumbuhan Ciplukan (Physalis Angulata L.) Sebagai Obat TradisionaL . HAGA : Jurnal Pengabdian Kepada Masyarakat, 2(2), 22-35. https://doi.org/10.57094/haga.v2i2.1994
Murnihati Sarumaha, Kaminudin Telaumbanua, & Darmawan Harefa. (2024). Pendidikan Berbasis Kearifan Lokal Nias Selatan: Membangun Identitas Budaya Pada Generasi Muda. 12(3), 663. https://doi.org/10.37081/ed.v12i3.6585
Mutolib, A., Rahmat, A., Harefa, D., Nugraha, S., Handoko, L., Sululing, S., Laxmi, & Nurhayati, S. (2025). Volcanic disaster mitigation based on local wisdom: A case study from a local community in the Mount Galunggung, Indonesia. BIO Web of Conferences, 155. https://doi.org/10.1051/bioconf/202515502002
OECD (2019). PISA 2018 Assessment and Analytical Framework. OECD Publishing.
Putra, H.R.F. (2025). Peran Literasi Keuangan dan Pendidikan Ekonomi dalam Keluarga terhadap Perilaku Konsumtif. Dharma Pendidikan, 17(1). https://doi.org/10.69866/dp.v17i1.189
Rustiani Duha, & Darmawan Harefa. (2024). Kemampuan Pemecahan Masalah Matematika. CV Jejak (Jejak Publisher).
Sarman, A. A., Asyahri, Y., & El Wafa, F. (2024). Pendampingan Peningkatan Literasi Keuangan pada Sekolah Menengah Atas 1 di Desa Paramasan Bawah Kabupaten Banjar. Jalujur: Jurnal Pengabdian Masyarakat, 4(2). https://doi.org/10.18592/jalujur.v4i2.16278
Suci, Y. R. (2025). The Effect of Financial Literacy on Financial Management. Jurnal Ilmiah (terkait literasi keuangan) – relevan kajian pendidikan keuangan.
Tesva, S., Asytuti, I., & Saputra, A. A. (2024). Penguatan Literasi Keuangan Siswa Melalui Budaya Menabung. Bursa: Jurnal Ekonomi dan Bisnis, 4(1):658. https://doi.org/10.59086/jeb.v4i1.658
Toni Hidayat, Amaano Fau, & Darmawan Harefa. (2023). Pengaruh Model Pembelajaran Index Card Match Terhadap Hasil Belajar Siswa Pada Mata Pelajaran Ipa Terpadu. TUNAS : Jurnal Pendidikan Biologi, 4(1), 61 - 72. https://doi.org/10.57094/tunas.v4i1.885
Tonius Gulo, D. H. (2023). Identifikasi Serangga ( Insekta ) yang merugikan Pada Tanaman Cabai Rawit di Desa Sisarahili Ekholo Kecamatan Lolowau Kabupaten Nias Sealatan. Jurnal Sapta Agrica, 2(1), 50–61.
Umi Narsih, D. (2023). Bunga rampai “Kimia Analisis farmasi.” Nuha Medika. https://www.numed.id/produk/bunga-rampai-kimia-analisis-farmasi-penulis-umi-narsih-faidliyah-nilna-minah-dwi-ana-anggorowati-rini-kartika-dewi-darmawan-harefa-jelita-wetri-febrina-a-tenriugi-daeng/
Yulianti, Y. et al. (2024). The Role of Guidance and Counseling in Students’ Learning Problems at School. International Journal of Education, Management, and Technology, 2(3):372-386. https://doi.org/10.58578/ijemt.v2i3.4173
Zulkarnain, Z. et al. (2024). Penyuluhan Peningkatan Literasi Keuangan di Kalangan Siswa dan Warga Sekolah. Journal of Human and Education (JAHE), 4(1):443-457. https://doi.org/10.31004/jh.v4i1.653
Published
2024-02-29
How to Cite
Fransiskus Gaurifa, Nelan Halawa, Rut Trinitatis Waoma, & Kaminudin Telaumbanua. (2024). PERAN BIMBINGAN KONSELING DALAM MENINGKATKAN LITERASI KEUANGAN SISWA. Curve Elasticity: Jurnal Pendidikan Ekonomi, 5(1), 100-117. https://doi.org/10.57094/jpe.v5i2.4555
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Articles
