Realisasi Literasi Keuangan Masyarakat dan Kearifan Lokal : Studi Kasus Inklusi Keuangan di Desa Teluk Jambe, Karawang, Jawa Barat.

Deni Danial Kesa

Abstract


Literasi keuangan di negara berkembang terkadang tidak hanya mengandalkan kemampuan kampanye yang efektif saja. Kemampuan kognitif , kepercayaan dan pemahaman terhadap literasi keuangan menghambat ekspansi berbagai program terkait keuangan ke berbagai daerah yang tidak tersentuh lembaga lembaga keuangan. Operasional yang tidak tepat sasaran, bunga tinggi turut menjadi salah satu penyebab masyarakat belum bisa beralih ke lembaga lembaga keuangan secara formal. Makalah ini menggunakan metode  survei  dalam pengumpulan jawaban dari responden dan memaparkannya dalam hasil  yang deskriptif dalam menggambarkan persepsi masyarakat atas literasi, kearifan lokal dalam budaya menabung untuk mewujudkan bank desa. Dengan menggunakan data survei tersebut, hasil menunjukkan bahwa literasi keuangan merupakan prediktor yang kuat akan permintaan layanan keuangan dan bisa berujung pembentukan bank desa. Responden dalam penelitian yang kami lakukan meliputi masyarakat pedesaan yang belum terkelola dan masih memerlukan pendidikan dan literasi keuangan (unbankable). Akan tetapi apabila rekening tabungan sudah tersedia, maka masyarakat tertarik untuk menyisihkan dari penghasilannya yang secara teoritis dikarenakan efek dari faktor Trust (Kepercayaan) , karena selama ini mereka menganggap masuk ke bank identik dengan sesuatu yang kompleks dan mahal.


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DOI: https://doi.org/10.7454/jsht.v1i2.57

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