Spiral Internalisasi Finansial: Strategi Integratif Penguatan Financial Literacy Anak Usia Dini

Authors

  • Asma'ul Fauzah Pendidikan Islam Anak Usia Dini, Universitas Islam Darul ‘Ulum Lamongan, Indonesia
  • Sulhatul Habibah Pendidikan Islam Anak Usia Dini, Universitas Islam Darul ‘Ulum Lamongan, Indonesia
  • Lila Hikmawati Pendidikan Islam Anak Usia Dini, Universitas Islam Darul ‘Ulum Lamongan, Indonesia

DOI:

https://doi.org/10.31004/obsesi.v10i2.8298

Keywords:

literasi keuangan, spiral internalisasi finansial, anak usia dini, praktik menabung, nilai etis-religius

Abstract

Fenomena konsumerisme digital memicu perilaku belanja impulsif pada anak usia dini, sehingga diperlukan strategi pengasuhan yang proaktif dalam menanamkan literasi keuangan. Penelitian ini bertujuan untuk menganalisis secara mendalam strategi orang tua dalam menstimulasi literasi keuangan (financial literacy) melalui model intervensi  yang terintegrasi dengan praktik menabung. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Pengumpulan data dilakukan melalui wawancara mendalam, observasi partisipatif, dan dokumentasi pada 20 orang tua dan 2 guru. Teknik analisis data menggunakan model alir yang meliputi kondensasi data, penyajian data, penarikan kesimpulan dengan prosedur member check untuk menjamin kredibilitas. Hasil penelitian merumuskan model Spiral Internalisasi Finansial yang mengintegrasikan tiga domain utama: dialog kognitif mengenai pertanyaan reflektif, penguatan afektif melalui penundaan gratifikasi (delayed gratification) berbasis nilai religius, dan keteladanan psikomotorik melalui kegiatan menabung yang konsisten. Temuan krusial menunjukkan bahwa sinkronisasi pola asuh antara rumah dan sekolah berbasis -nilai etis-religius menjadi variabel penentu keberhasilan internalisasi nilai ekonomi. Implikasi penelitian ini menegaskan bahwa penguatan kontrol diri dan pengalaman sensorik-motorik dalam menabung merupakan fondasi utama untuk membangun resiliensi finansial anak di era disrupsi

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Published

23-04-2026

How to Cite

Fauzah, A., Habibah, S., & Hikmawati, L. (2026). Spiral Internalisasi Finansial: Strategi Integratif Penguatan Financial Literacy Anak Usia Dini. Jurnal Obsesi : Jurnal Pendidikan Anak Usia Dini, 10(2), 1353–1360. https://doi.org/10.31004/obsesi.v10i2.8298

Issue

Vol. 10 No. 2 (2026): March - April 2026

Section

Articles

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Copyright (c) 2026 Asma'ul Fauzah, Sulhatul Habibah, Lila Hikmawati

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