Membangun Kurikulum Kewirausahaan yang Inklusif: Peran Strategis Literasi Keuangan dalam Meningkatkan Intensi Mahasiswa untuk Berwirausaha
DOI:
https://doi.org/10.70142/studiaekonomika.v24i1.403Keywords:
Literasi Keuangan, Intensi Berwirausaha, Kurikulum Inklusif, Pendidikan Tinggi, Pendidikan KewirausahaanAbstract
Kajian literatur kualitatif ini mengeksplorasi peran strategis literasi keuangan dalam meningkatkan intensi berwirausaha mahasiswa dalam kerangka kurikulum kewirausahaan yang inklusif. Studi ini mensintesis temuan empiris dari berbagai konteks pendidikan dan sosial ekonomi, yang menunjukkan bahwa literasi keuangan secara signifikan memperkuat efikasi diri dan persepsi kontrol perilaku mahasiswa—dua determinan utama dari niat berwirausaha. Selain itu, kurikulum kewirausahaan yang inklusif dan mengintegrasikan literasi keuangan melalui pembelajaran berbasis pengalaman, keterlibatan komunitas, dan pemanfaatan alat keuangan digital terbukti mampu mendorong kesiapan berwirausaha yang lebih tinggi. Namun demikian, masih terdapat kesenjangan dalam penerapan kurikulum semacam ini secara merata, khususnya di kalangan mahasiswa yang kurang terlayani. Kajian ini menekankan pentingnya pengembangan program pendidikan tinggi yang lebih aksesibel dan sensitif terhadap konteks lokal, yang mengombinasikan kompetensi finansial dengan praktik pedagogis yang inklusif.
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