Peningkatan Literasi Keuangan, Efikasi Diri, dan Perilaku Kredit Berisiko melalui Workshop Smart Money Management bagi Mahasiswa Kirirom Institute of Technology, Cambodia
DOI:
https://doi.org/10.24002/jai.v5i6.12009Keywords:
financial literacy, self-efficacy, risky credit behaviour,, financial managementAbstract
The Smart Money Management community service program was designed to improve financial literacy, self-efficacy, and reduce risky credit behavior among students at Kirirom Institute of Technology (KIT), Cambodia. In the context of students facing challenges in personal financial management due to lack of knowledge and experience, this program aims to equip them with basic knowledge of financial management through an educational and interactive approach. The implementation method includes delivering materials on the concepts of SMART Goal and Smart Money Management, as well as participatory training activities in the form of frugal living action pictures. The evaluation results showed that the financial literacy score increased from 2.37 to 2.57, and self-efficacy from 3.28 to 3.7, while the perception of risky credit behavior decreased by 0.08 points. In addition, the results of the personal assessment showed an increase in the number of students who had a high understanding of finance from 2 to 7 people. These findings indicate that the program was successful in improving participants' understanding and positive attitudes towards financial management. Thus, this program contributes to strengthening students' ability to make wise financial decisions and fostering a disciplined and independent attitude in managing their finances in the future.
References
[1] A. R. Musslifah, H. Anwariningsih, R. R. Cahyani, and F. Purnomosidi, “Menyiapkan Mental yang Tangguh di Masa Transisi Menjadi Mahasiswa,” Batara Wisnu Journal, vol. 3, no. 1, pp. 65–74, 2023.
[2] A. Rahmadani and Y. R. Mukti, “Adaptasi Akademik, Sosial, Personal, dan Institusional : Studi College Adjustment terhadap Mahasiswa Tingkat Pertama,” Jurnal Konseling dan Pendidikan, vol. 8, no. 3, p. 159, 2020, doi: 10.29210/145700.
[3] I. C. Mulaudzi, “Challenges Faced By First-Year University Students: Navigating the Transition to Higher Education,” vol. 12, no. 2, pp. 79–87, 2023, doi: 10.15640/jehd.v12n2a8.
[4] B. L. Putra, A. A. Rifqi, and S. Al Masyhuri, “Rendahnya Literasi Keuangan Terhadap Keinginan Melakukan Pinjaman Online (Studi Kasus Mahasiswa Progam Studi Manajemen Universitas Muhammadiyah Surabaya),” SENTRI: Jurnal Riset Ilmiah, vol. 2, no. 6, pp. 2184–2189, 2023, doi: 10.55681/sentri.v2i6.1040.
[5] A. Firmansyah and S. I. Savitri, “Tingginya Efikasi Diri Keuangan Berhubungan dengan Rendahnya Sikap Keuangan Mahasiswa Fakultas Ekonomi dan Bisnis,” Merpsy Journal, vol. 15, no. 1, p. 74, 2023, doi: 10.22441/merpsy.v15i1.19930.
[6] I. Nurlaila, “Faktor-Faktor yang Mempengaruhi Mahasiswa dalam Mengelola Keuangan,” Prisma (Platform Riset Mahasiswa Akuntansi), vol. 01, no. 01, pp. 136–144, 2020.
[7] E. Y. N. Sari and A. K. Anam, “Sikap Keuangan, Kontrol Perilaku, Efikasi Diri dan Perilaku Keuangan,” Organum: Jurnal Saintifik Manajemen dan Akuntansi, vol. 4, no. 1, pp. 28–39, 2021, doi: 10.35138/organum.v4i1.134.
[8] R. F. Dwipananda, et al., “Literasi Keuangan, Efikasi Diri, dan Perilaku Kredit Online Berisiko di Kalangan Mahasiswa Kota Batam,” vol. 7, no. 4, pp. 1962–1975, 2024. doi: https://doi.org/10.35817/publicuho.v7i4.560
[9] T. Kartini and U. Mashudi, “Literasi Keuangan (Financial Literacy) Mahasiswa Indekos Calon Pendidik Ekonomi FKIP Universitas Jember,” PROMOSI (Jurnal Pendidikan Ekonomi), vol. 10, no. 2, pp. 154–164, 2022, doi: 10.24127/pro.v10i2.6648.
[10] Y. Effrisanti and H. T. T. Wahono, “Pengaruh Literasi Keuangan, Efikasi Diri, dan Love of Money Terhadap Minat Berwirausaha Mahasiswa Prodi Pendidikan Ekonomi STKIP PGRI Jombang,” Jurnal Pendidikan Administrasi Perkantoran (JPAP), vol. 10, no. 2, pp. 148–156, 2022, doi: 10.26740/jpap.v10n2.p148-156.
[11] N. T. Herawati, I. M. Candiasa, I. K. Yadnyana, and N. Suharsono, “Pengaruh Kualitas Pembelajaran Keuangan dan Literasi Keuangan Terhadap Financial Self Efficacy Mahasiswa Akuntansi,” JPEKA: Jurnal Pendidikan Ekonomi, Manajemen dan Keuangan, vol. 2, no. 2, p. 115, 2018, doi: 10.26740/jpeka.v2n2.p115-128.
[12] H. Jamal, H. Haeruddin, and I. Ahmad, “Dampak Literasi Keuangan dan Sikap Keuangan Terhadap Perilaku Keuangan (The Impact of Financial Literacy and Financial Attitude on Financial Behavior),” Akuntansi Bisnis & Manajemen ( ABM ), vol. 30, no. 2, 2023, doi: 10.35606/jabm.v30i2.1277.
[13] T. Erawati and Y. N. Lende, “ Pengaruh Self Eficacy terhadap Perilaku Manajemen Keuangan Mahasiswa Jurnal Ilmiah Mahasiswa Akuntansi UNDIKSHA, vol. 14, no. 04, pp. 986–997, 2023.
[14] E. F. C. S. Budiyono et al., “Upaya Penguatan Literasi Keuangan dan Budaya Sadar Pajak untuk Pengembangan Soft Skill Siswi di SMA Santa Maria Yogyakarta,” Jurnal Atma Inovasia, vol. 4, no. 6, pp. 291–297, 2024, doi: 10.24002/jai.v4i6.10068.
[15] D. Putri, A. Teresia, S. Jannifer, R. Hastuti, A. Arie, and A. Sugiarto, “Pelatihan dan Pendampingan Pencatatan Keuangan Sederhana Bagi UMKM Binaan KSP Multi Artha Utama,” vol. 5, no. 3, pp. 256–260, 2025.
[16] Rustiana, A. T. Budisantoso, and Ch. H. Kurniawan, “Pelatihan Literasi Akuntansi Keuangan bagi Pelaku UMKM Credit Union Cindelaras Tumangkar,” Jurnal Atma Inovasia, vol. 5, no. 1, pp. 7–11, 2025, doi: 10.24002/jai.v5i1.10097.
[17] R. Fauziah and A. Kusumawardani, “Pengaruh Efikasi Diri Keuangan, Literasi Keuangan, Uang Saku Dan Pendidikan Keuangan Keluarga Terhadap Perilaku Pengelolaan Keuangan,” Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA), vol. 4, no. 2, pp. 1106–1115, 2024, doi: 10.47709/jebma.v4i2.4080.
[18] S. Sabrin, F. Menne, O. Omasrianto, and M. Yusuf, “Pengaruh Financial Knowledge dan Financial Self Efficacy Terhadap Financial Management Behavior Mahasiswa Universitas Halu Oleo,” Jurnal Ilmiah Ecosystem, vol. 24, no. 2, pp. 317–328, 2024, doi: 10.35965/eco.v24i2.4675.
[19] N. Hamida, Ramadona Simbolon, and S. Elviani, “Pengaruh Edukasi Keuangan, Literasi Keuangan, Financial Technology terhadap Perilaku dalam Mengelola Keuangan Pada Mahasiswa Akuntansi di Kota Medan,” Worksheet Jurnal Akuntansi. Universitas Dharmawangsa. doi: https://doi.org/10.46576/wjs.v4i2.6462
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Imelda Junita, Maya Malinda, Johannes Buntoro Dharmasetiawan, Joni, Meythi, Riki Martusa, Santy Setiawan, Rapina, Tan Ming Kuang, Surya Setyawan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
