ANALISIS PEMBELAJARAN EKONOMI KONTEKSTUAL TERHADAP LITERASI KEUANGAN SISWA DI SMA NEGERI 1 GUNUNGSITOLI UTARA

Abstract

This study was motivated by the importance of financial literacy for high school students and the role of contextual economics instruction in shaping that understanding. The research question is: What is the level of financial literacy and its implications for contextual economics instruction at State High School 1 Gunungsitoli Utara? The study aims to determine the level of financial literacy among students and its relationship to the implementation of contextual economics instruction at the school. The study employs a qualitative approach of a descriptive nature. Data were collected through semi-structured interviews, observations, and documentary analysis involving two economics teachers and eight students from Class X-2 who were purposively selected as informants. Data were analyzed through the stages of data reduction, data presentation, and drawing conclusions. The results of the study indicate that teachers applied the Contextual Teaching and Learning approach by linking economic material to local socioeconomic realities, such as the lives of fishing families and merchants, as well as visits to local financial institutions. Students demonstrated progress in financial literacy from the “less literate” category to “sufficiently literate,” and even approached the “well-literate” level in terms of risk awareness and distinguishing between the functions of savings and investment. This understanding is put into practice through budgeting, tracking expenses, and saving habits supported by the school’s student savings program. The study concluded that contextual economics education serves as a catalyst for developing students’ financial literacy through cognitive, motivational, and institutional pathways simultaneously. ABSTRAK Penelitian ini dilatarbelakangi oleh pentingnya literasi keuangan bagi siswa sekolah menengah atas serta peran pembelajaran ekonomi kontekstual dalam membentuk pemahaman tersebut. Rumusan masalah penelitian adalah bagaimana tingkat literasi keuangan serta implikasinya terhadap pembelajaran ekonomi kontekstual di SMA Negeri 1 Gunungsitoli Utara. Penelitian bertujuan mengetahui tingkat literasi keuangan siswa serta keterkaitannya dengan penerapan pembelajaran ekonomi kontekstual di sekolah tersebut. Penelitian menggunakan pendekatan kualitatif dengan jenis deskriptif. Data dikumpulkan melalui wawancara semi-terstruktur, observasi, dan studi dokumentasi terhadap dua guru ekonomi dan delapan siswa kelas X-2 yang dipilih secara purposif sebagai informan. Data dianalisis melalui tahap reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan guru menerapkan pendekatan Contextual Teaching and Learning dengan mengaitkan materi ekonomi pada realitas sosial-ekonomi lokal, seperti kehidupan keluarga nelayan dan pedagang serta kunjungan ke lembaga keuangan setempat. Siswa menunjukkan perkembangan literasi keuangan dari kategori less literate menuju sufficient literate, bahkan mendekati well literate pada aspek kesadaran risiko dan pembedaan fungsi tabungan-investasi. Pemahaman tersebut diwujudkan dalam praktik nyata berupa penyusunan anggaran, pencatatan pengeluaran, dan kebiasaan menabung yang didukung program tabungan pelajar di sekolah. Penelitian menyimpulkan bahwa pembelajaran ekonomi kontekstual berperan sebagai katalisator pembentukan literasi keuangan siswa melalui jalur kognitif, motivasional, dan institusional secara bersamaan.