Metode Evaluasi Program Literasi Keuangan pada Sekolah Dasar
Systematic Scoping Review
Abstract
The objective of this research is to map the methodologies of assessing financial education outcomes that have been employed to date in the evaluation of financial literacy programs implemented in elementary schools. The review employs the systematic scoping review procedure and is presented in accordance with the Preferred Reporting Items for Systematic Reviews and Meta-Analyses - Scoping Review protocol. 12 articles were identified as satisfying the research objectives and inclusion criteria among the 139 articles obtained from the Scopus, Proquest, and EBSCO Host databases. An overview was obtained regarding the implementation of financial literacy program evaluations, which encompasses knowledge, attitudes, and financial behaviors in the context of elementary school students. The results encompass the aspects being evaluated, the measurement methods, and the duration necessary to conduct the impact evaluation.
References
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Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study. https://doi.org/10.1787/5k9csfs90fr4-en
Badan Standar, K. dan A. P. (2024). Pendidikan Literasi Finansial, Panduan Implementasi untuk Satuan Pendidikan dan Pemangku Kepentingan. https://kurikulum.kemdikbud.go.id/file/1729244746_manage_file.pdf
Batty, M., Collins, J. M., & Odders-White, E. (2015). Experimental evidence on the effects of financial education on elementary school students’ knowledge, behavior, and attitudes. Journal of Consumer Affairs, 49(1), 69–96. https://doi.org/10.1111/joca.12058
Candra Sari, R., Rika Fatimah, P. L., Ilyana, S., & Dwi Hermawan, H. (2022). Augmented reality (AR)-based sharia financial literacy system (AR-SFLS): a new approach to virtual sharia financial socialization for young learners. International Journal of Islamic and Middle Eastern Finance and Management, 15(1), 48–65. https://doi.org/10.1108/IMEFM-11-2019-0484
Clark, S., Paul, M., Aryeetey, R., & Marquis, G. (2018). An assets-based approach to promoting girls’ financial literacy, savings, and education. Journal of Adolescence, 68, 94–104. https://doi.org/10.1016/j.adolescence.2018.07.010
Coda Moscarola, F., & Kalwij, A. (2021). The Effectiveness of a Formal Financial Education Program at Primary Schools and the Role of Informal Financial Education. Evaluation Review, 45(3–4), 107–133. https://doi.org/10.1177/0193841X211042515
Dare, S. E., van Dijk, W. W., van Dijk, E., van Dillen, L. F., Gallucci, M., & Simonse, O. (2020). The effect of financial education on pupils’ financial knowledge and skills: Evidence from a Solomon four-group design. Journal of Educational Research, 113(2), 93–107. https://doi.org/10.1080/00220671.2020.1733453
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Direktorat Sekolah Dasar. (2023, May 3). Mari Mengenal Literasi Finansial. Ditpsd.Kemdikbud.Go.Id. https://ditpsd.kemdikbud.go.id/artikel/detail/mari-mengenal-literasi-finansial
Drever, A. I., Odders-White, E., Kalish, C. W., Else-Quest, N. M., Hoagland, E. M., & Nelms, E. N. (2015). Foundations of financial well-being: Insights into the role of executive function, financial socialization, and experience-based learning in childhood and youth. Journal of Consumer Affairs, 49(1), 13–38. https://doi.org/10.1111/joca.12068
Goyal, K., & Kumar, S. (2021). Financial literacy: A systematic review and bibliometric analysis. International Journal of Consumer Studies, 45(1), 80–105. https://doi.org/10.1111/IJCS.12605
Goyal, K., Kumar, S., & Xiao, J. J. (2021). Antecedents and consequences of Personal Financial Management Behavior: a systematic literature review and future research agenda. International Journal of Bank Marketing, 39(7), 1166–1207. https://doi.org/10.1108/IJBM-12-2020-0612
Kaligis, F., Ismail, R. I., Wiguna, T., Prasetyo, S., Indriatmi, W., Gunardi, H., Pandia, V., & Magdalena, C. C. (2021). Mental health problems and needs among transitional-age youth in Indonesia. International Journal of Environmental Research and Public Health, 18(8). https://doi.org/10.3390/ijerph18084046
Kalwij, A., Alessie, R., Dinkova, M., Schonewille, G., van der Schors, A., & van der Werf, M. (2019). The Effects of Financial Education on Financial Literacy and Savings Behavior: Evidence from a Controlled Field Experiment in Dutch Primary Schools. Journal of Consumer Affairs, 53(3), 699–730. https://doi.org/10.1111/joca.12241
Kuzma, I., Chaikovska, H., Levchyk, I., & Yankovych, O. (2022). FORMATION OF FINANCIAL LITERACY IN PRIMARY SCHOOL STUDENTS. Journal on Efficiency and Responsibility in Education and Science, 15(3), 142–155. https://doi.org/10.7160/eriesj.2022.150302
Munn, Z., Peters, M. D. J., Stern, C., Tufanaru, C., McArthur, A., & Aromataris, E. (2018). Systematic review or scoping review? Guidance for authors when choosing between a systematic or scoping review approach. BMC Medical Research Methodology, 18(1). https://doi.org/10.1186/s12874-018-0611-x
OCBC NISP. (2021). OCBC NISP Financial Fitness Index 2021. https://www.ocbc.id/asset/media/Feature/PDF/adhoc/2023/07/26/ocbc-nisp-financial-fitness-index-2021.pdf
Otoritas Jasa Keuangan. (2022). Literasi Keuangan. Ojk.Go.Id. https://ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/Pages/literasi-keuangan.aspx
Otoritas Jasa Keuangan. (2023). Statistik P2P Lending Periode Juli 2023. https://ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-P2P-Lending-Periode-Juli-2023.aspx
Peters, M. D. J., Godfrey, C. M., Khalil, H., McInerney, P., Parker, D., & Soares, C. B. (2015). Guidance for conducting systematic scoping reviews. International Journal of Evidence-Based Healthcare, 13(3), 141–146. https://doi.org/10.1097/XEB.0000000000000050
Programme for International Student Assessment’s (PISA). (2020). PISA 2018 Results (Volume IV) Are Students Smart about Money? https://www.oecd-ilibrary.org/education/pisa-2018-results-volume-iv_48ebd1ba-en
Redaksi OCBC NISP. (2023, October 11). Kenali Apa Itu Literasi Keuangan, Tingkatan dan Pentingnya. Ocbc.Id. https://www.ocbc.id/id/article/2021/07/15/literasi-keuangan
Sari, R. C., & Fatimah, P. L. R. (2017). Bringing Voluntary Financial Education in Emerging Economy: Role of Financial Socialization During Elementary Years. Asia-Pacific Education Researcher, 26(3–4), 183–192. https://doi.org/10.1007/s40299-017-0339-0
Sari, R. C., Sholihin, M., Cahaya, F. R., Yuniarti, N., Ilyana, S., & Fitriana, E. (2024). Responding to Islamic finance anomalies in Indonesia: Sharia financial literacy using virtual reality context. Journal of Islamic Accounting and Business Research, ahead-of-print(ahead-of-print). https://doi.org/10.1108/JIABR-08-2022-0195
Savard, A. (2022). What did they have to say about money and finance? Grade 4 students’ representations about financial concepts when learning mathematics. Education 3-13, 50(3), 316–328. https://doi.org/10.1080/03004279.2020.1850826
Sherraden, M. S., Johnson, L., Guo, B., & Elliott III, W. (2011). Financial Capability in Children: Effects of Participation in a School-Based Financial Education and Savings Program. Journal of Family and Economic Issues, 32(3), 385–399. https://doi.org/10.1007/s10834-010-9220-5
Tricco, A. C., Lillie, E., Zarin, W., O’Brien, K. K., Colquhoun, H., Levac, D., Moher, D., Peters, M. D. J., Horsley, T., Weeks, L., Hempel, S., Akl, E. A., Chang, C., McGowan, J., Stewart, L., Hartling, L., Aldcroft, A., Wilson, M. G., Garritty, C., … Straus, S. E. (2018). PRISMA extension for scoping reviews (PRISMA-ScR): Checklist and explanation. In Annals of Internal Medicine (Vol. 169, Issue 7, pp. 467–473). American College of Physicians. https://doi.org/10.7326/M18-0850
Utkarsh, Pandey, A., Ashta, A., Spiegelman, E., & Sutan, A. (2020). Catch them young: Impact of financial socialization, financial literacy and attitude towards money on financial well-being of young adults. International Journal of Consumer Studies, 44(6), 531–541. https://doi.org/10.1111/ijcs.12583
Xiao, J. J. (2011). The Financial Management Behavior Scale: Development and Validation. In Journal of Financial Counseling and Planning (Vol. 22, Issue 1). Citation/Publisher Attribution Citation/Publisher Attribution Dew. http://afcpe.org/journal-articles.php?volume=387&article=403Availableat:http://afcpe.org/journal-articles.php?volume=387&article=403
Zhou, J., Feng, S., Wu, L., & Wang, S. (2024). The Impact of Financial Education for Children: Evidence from an Experiment in China. Asia-Pacific Education Researcher, 33(1), 157–169. https://doi.org/10.1007/s40299-023-00716-2
Zhu, A. Y. F. (2019). School financial education and parental financial socialization: Findings from a sample of Hong Kong adolescents. Children and Youth Services Review, 107. https://doi.org/10.1016/j.childyouth.2019.104532
Zhu, A. Y. F., & Chou, K. L. (2018). Development of Financial Capacity in Adolescents. Child and Adolescent Social Work Journal, 35(3), 309–315. https://doi.org/10.1007/s10560-017-0521-5
Zhu, A. Y. F., Yu, C. W. M., & Chou, K. L. (2021). Improving Financial Literacy in Secondary School Students: An Randomized Experiment. Youth and Society, 53(4), 539–562. https://doi.org/10.1177/0044118X19851311
Arksey, H., & O’Malley, L. (2005). Scoping studies: Towards a methodological framework. International Journal of Social Research Methodology: Theory and Practice, 8(1), 19–32. https://doi.org/10.1080/1364557032000119616
Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study. https://doi.org/10.1787/5k9csfs90fr4-en
Badan Standar, K. dan A. P. (2024). Pendidikan Literasi Finansial, Panduan Implementasi untuk Satuan Pendidikan dan Pemangku Kepentingan. https://kurikulum.kemdikbud.go.id/file/1729244746_manage_file.pdf
Batty, M., Collins, J. M., & Odders-White, E. (2015). Experimental evidence on the effects of financial education on elementary school students’ knowledge, behavior, and attitudes. Journal of Consumer Affairs, 49(1), 69–96. https://doi.org/10.1111/joca.12058
Candra Sari, R., Rika Fatimah, P. L., Ilyana, S., & Dwi Hermawan, H. (2022). Augmented reality (AR)-based sharia financial literacy system (AR-SFLS): a new approach to virtual sharia financial socialization for young learners. International Journal of Islamic and Middle Eastern Finance and Management, 15(1), 48–65. https://doi.org/10.1108/IMEFM-11-2019-0484
Clark, S., Paul, M., Aryeetey, R., & Marquis, G. (2018). An assets-based approach to promoting girls’ financial literacy, savings, and education. Journal of Adolescence, 68, 94–104. https://doi.org/10.1016/j.adolescence.2018.07.010
Coda Moscarola, F., & Kalwij, A. (2021). The Effectiveness of a Formal Financial Education Program at Primary Schools and the Role of Informal Financial Education. Evaluation Review, 45(3–4), 107–133. https://doi.org/10.1177/0193841X211042515
Dare, S. E., van Dijk, W. W., van Dijk, E., van Dillen, L. F., Gallucci, M., & Simonse, O. (2020). The effect of financial education on pupils’ financial knowledge and skills: Evidence from a Solomon four-group design. Journal of Educational Research, 113(2), 93–107. https://doi.org/10.1080/00220671.2020.1733453
Direktorat Sekolah Dasar. (2021, November 23). Peran Penting Manajemen Berbasis Sekolah Tingkatkan Mutu Pendidikan. Https://Ditpsd.Kemdikbud.Go.Id/. https://ditpsd.kemdikbud.go.id/artikel/detail/peran-penting-manajemen-berbasis-sekolah-tingkatkan-mutu-pendidikan
Direktorat Sekolah Dasar. (2023, May 3). Mari Mengenal Literasi Finansial. Ditpsd.Kemdikbud.Go.Id. https://ditpsd.kemdikbud.go.id/artikel/detail/mari-mengenal-literasi-finansial
Drever, A. I., Odders-White, E., Kalish, C. W., Else-Quest, N. M., Hoagland, E. M., & Nelms, E. N. (2015). Foundations of financial well-being: Insights into the role of executive function, financial socialization, and experience-based learning in childhood and youth. Journal of Consumer Affairs, 49(1), 13–38. https://doi.org/10.1111/joca.12068
Goyal, K., & Kumar, S. (2021). Financial literacy: A systematic review and bibliometric analysis. International Journal of Consumer Studies, 45(1), 80–105. https://doi.org/10.1111/IJCS.12605
Goyal, K., Kumar, S., & Xiao, J. J. (2021). Antecedents and consequences of Personal Financial Management Behavior: a systematic literature review and future research agenda. International Journal of Bank Marketing, 39(7), 1166–1207. https://doi.org/10.1108/IJBM-12-2020-0612
Kaligis, F., Ismail, R. I., Wiguna, T., Prasetyo, S., Indriatmi, W., Gunardi, H., Pandia, V., & Magdalena, C. C. (2021). Mental health problems and needs among transitional-age youth in Indonesia. International Journal of Environmental Research and Public Health, 18(8). https://doi.org/10.3390/ijerph18084046
Kalwij, A., Alessie, R., Dinkova, M., Schonewille, G., van der Schors, A., & van der Werf, M. (2019). The Effects of Financial Education on Financial Literacy and Savings Behavior: Evidence from a Controlled Field Experiment in Dutch Primary Schools. Journal of Consumer Affairs, 53(3), 699–730. https://doi.org/10.1111/joca.12241
Kuzma, I., Chaikovska, H., Levchyk, I., & Yankovych, O. (2022). FORMATION OF FINANCIAL LITERACY IN PRIMARY SCHOOL STUDENTS. Journal on Efficiency and Responsibility in Education and Science, 15(3), 142–155. https://doi.org/10.7160/eriesj.2022.150302
Munn, Z., Peters, M. D. J., Stern, C., Tufanaru, C., McArthur, A., & Aromataris, E. (2018). Systematic review or scoping review? Guidance for authors when choosing between a systematic or scoping review approach. BMC Medical Research Methodology, 18(1). https://doi.org/10.1186/s12874-018-0611-x
OCBC NISP. (2021). OCBC NISP Financial Fitness Index 2021. https://www.ocbc.id/asset/media/Feature/PDF/adhoc/2023/07/26/ocbc-nisp-financial-fitness-index-2021.pdf
Otoritas Jasa Keuangan. (2022). Literasi Keuangan. Ojk.Go.Id. https://ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/Pages/literasi-keuangan.aspx
Otoritas Jasa Keuangan. (2023). Statistik P2P Lending Periode Juli 2023. https://ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-P2P-Lending-Periode-Juli-2023.aspx
Peters, M. D. J., Godfrey, C. M., Khalil, H., McInerney, P., Parker, D., & Soares, C. B. (2015). Guidance for conducting systematic scoping reviews. International Journal of Evidence-Based Healthcare, 13(3), 141–146. https://doi.org/10.1097/XEB.0000000000000050
Programme for International Student Assessment’s (PISA). (2020). PISA 2018 Results (Volume IV) Are Students Smart about Money? https://www.oecd-ilibrary.org/education/pisa-2018-results-volume-iv_48ebd1ba-en
Redaksi OCBC NISP. (2023, October 11). Kenali Apa Itu Literasi Keuangan, Tingkatan dan Pentingnya. Ocbc.Id. https://www.ocbc.id/id/article/2021/07/15/literasi-keuangan
Sari, R. C., & Fatimah, P. L. R. (2017). Bringing Voluntary Financial Education in Emerging Economy: Role of Financial Socialization During Elementary Years. Asia-Pacific Education Researcher, 26(3–4), 183–192. https://doi.org/10.1007/s40299-017-0339-0
Sari, R. C., Sholihin, M., Cahaya, F. R., Yuniarti, N., Ilyana, S., & Fitriana, E. (2024). Responding to Islamic finance anomalies in Indonesia: Sharia financial literacy using virtual reality context. Journal of Islamic Accounting and Business Research, ahead-of-print(ahead-of-print). https://doi.org/10.1108/JIABR-08-2022-0195
Savard, A. (2022). What did they have to say about money and finance? Grade 4 students’ representations about financial concepts when learning mathematics. Education 3-13, 50(3), 316–328. https://doi.org/10.1080/03004279.2020.1850826
Sherraden, M. S., Johnson, L., Guo, B., & Elliott III, W. (2011). Financial Capability in Children: Effects of Participation in a School-Based Financial Education and Savings Program. Journal of Family and Economic Issues, 32(3), 385–399. https://doi.org/10.1007/s10834-010-9220-5
Tricco, A. C., Lillie, E., Zarin, W., O’Brien, K. K., Colquhoun, H., Levac, D., Moher, D., Peters, M. D. J., Horsley, T., Weeks, L., Hempel, S., Akl, E. A., Chang, C., McGowan, J., Stewart, L., Hartling, L., Aldcroft, A., Wilson, M. G., Garritty, C., … Straus, S. E. (2018). PRISMA extension for scoping reviews (PRISMA-ScR): Checklist and explanation. In Annals of Internal Medicine (Vol. 169, Issue 7, pp. 467–473). American College of Physicians. https://doi.org/10.7326/M18-0850
Utkarsh, Pandey, A., Ashta, A., Spiegelman, E., & Sutan, A. (2020). Catch them young: Impact of financial socialization, financial literacy and attitude towards money on financial well-being of young adults. International Journal of Consumer Studies, 44(6), 531–541. https://doi.org/10.1111/ijcs.12583
Xiao, J. J. (2011). The Financial Management Behavior Scale: Development and Validation. In Journal of Financial Counseling and Planning (Vol. 22, Issue 1). Citation/Publisher Attribution Citation/Publisher Attribution Dew. http://afcpe.org/journal-articles.php?volume=387&article=403Availableat:http://afcpe.org/journal-articles.php?volume=387&article=403
Zhou, J., Feng, S., Wu, L., & Wang, S. (2024). The Impact of Financial Education for Children: Evidence from an Experiment in China. Asia-Pacific Education Researcher, 33(1), 157–169. https://doi.org/10.1007/s40299-023-00716-2
Zhu, A. Y. F. (2019). School financial education and parental financial socialization: Findings from a sample of Hong Kong adolescents. Children and Youth Services Review, 107. https://doi.org/10.1016/j.childyouth.2019.104532
Zhu, A. Y. F., & Chou, K. L. (2018). Development of Financial Capacity in Adolescents. Child and Adolescent Social Work Journal, 35(3), 309–315. https://doi.org/10.1007/s10560-017-0521-5
Zhu, A. Y. F., Yu, C. W. M., & Chou, K. L. (2021). Improving Financial Literacy in Secondary School Students: An Randomized Experiment. Youth and Society, 53(4), 539–562. https://doi.org/10.1177/0044118X19851311
Published
2025-04-30
How to Cite
Christianti, E., Yoenanto, N. H., & Andriani, F. (2025). Metode Evaluasi Program Literasi Keuangan pada Sekolah Dasar. Pedagogi: Jurnal Ilmu Pendidikan, 25(1), 39-50. https://doi.org/https://doi.org/10.24036/pedagogi.v25i1.2376
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Articles
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