BERBAGAI FAKTOR DITERMINAN  PEMBENTUK RASIONALITAS EKONOMI MAHASISWA DI JAWA TIMUR

Agus Prianto; Firman Firman; Masruchan Masruchan; Ismi Salsa Arundari

doi:10.32682/jpekbm.v6i2.2889

BERBAGAI FAKTOR DITERMINAN PEMBENTUK RASIONALITAS EKONOMI MAHASISWA DI JAWA TIMUR

Agus Prianto, Firman Firman, Masruchan Masruchan, Ismi Salsa Arundari

Abstract

Indonesia menghadapi tantangan untuk meningkatkan literasi ekonomi dan keuangan, terutama di kalangan mahasiswa yang kelak akan lebih banyak menentukan kualitas perekonomian nasional. Hasil survei literasi ekonomi dan keuangan di tingkat global menunjukkan bahwa terdapat 32% dari penduduk usia dewasa di Indonesia yang memiliki literasi keuangan. Berdasarkan data yang dipublikasikan oleh Otoritas Jasa Keuangan (OJK) menunjukkan bahwa pada tahun 2019 ada sebanyak 44,04% dari total penduduk berusia 18-25 tahun, termasuk didalamnya kelompok mahasiswa; yang memiliki literasi ekonomi dan keuangan.Atas dasar berbagai kajian inilah maka perlu ada upaya untuk terus memperkuat literasi ekonomi dan keuangan, termasuk di kalangan mahasiswa. Tinggi rendahnya literasi ekonomi akan mempengaruhi tinggi rendahnya rasionalitas ekonomi. Rasionalitas ekonomi yang baik akan mempengaruhi berbagai keputusan ekonomi dan efektif dan efisien. Penelitian ini bertujuan untuk mengetahui berbagai faktor diterminan yang mempengaruhi rasionalitas ekonomi mahasiswa di Jawa Timur. Analisis deskriptif kuantitatif dilakukan dengan menggunakan teknik analisis multivariat. Hasil penelitian membuktikan bahwa keterlibatan mahasiswa yang intensif dalam pembelajaran ekonomi dan keterlibatan dalam praktik ekonomi berpengaruh positip terhadap pemahaman terhadap konsep dasar ekonomi. Pemahaman yang baik tentang konsep dasar ekonomi berpengaruh positip terhadap literasi ekonomi dan rasionalitas ekonomi. Demikian halnya, literasi ekonomi yang baik berpengaruh positip terhadap rasionalitas ekonomi. Untuk memperkuat literasi ekonomi dan rasionalitas ekonomi, disarankan agar kegiatan pembelajaran ekonomi dilakukan dengan intensif. Hal ini dapat dilakukan dengan mendorong mahasiswa untuk lebih banyak terlibat dalam praktik kegiatan ekonomi. Penelitian lanjutan sangat diperlukan untuk mengidentifikasi variabel lain yang berpengaruh terhadap rasionalitas ekonomi.

Keywords

pembelajaran ekonomi, pemahaman tentang ekonomi, literasi ekonomi, rasionalitas ekonomi

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DOI: https://doi.org/10.32682/jpekbm.v6i2.2889