Integration of Financial Literacy Learning in The Merdeka Curriculum at Junior High Schools, Bali Province

Abstract

Financial literacy refers to the knowledge and skills needed to comprehend financial concepts, assess risks, and effectively apply this understanding in financial situations. This literacy is very important in equipping oneself to make effective decisions in order to improve both individual and social financial well-being, and to be able to participate in society. The aim of this research is to analyse the integration of financial literacy learning in the Merdeka Curriculum at junior high school level. teachers to develop more innovative financial literacy learning. This research is classified as qualitative research with a case study method. Curriculum experts, teachers and junior high school students are subjects in this research. This research was conducted on junior high school students in Denpasar, Bali. The data in this research was collected by distributing questionnaires, interviews, observations, and documentation. The data were analysed using thematic analysis which facilitated the exploration of nuanced perspectives and the development of a comprehensive interpretation of the participants' experiences and viewpoints. The main ideas or concepts that capture something significant about the data in relation to the research question. The research results show that the integration of financial literacy learning is implicit, although the results of the Merdeka Curriculum analysis showed the existence of financial literacy learning in Economy subjects. Based on the results of observation, the method used for financial literacy learning is case study  and simulation. Therefore, it is hoped that the results of this research will encourage.