{"id":5706,"date":"2025-10-13T08:01:02","date_gmt":"2025-10-13T01:01:02","guid":{"rendered":"https:\/\/nasmedia.id\/blog\/?p=5706"},"modified":"2025-10-13T08:01:02","modified_gmt":"2025-10-13T01:01:02","slug":"5-fakta-literasi-finansial-gen-z-berdasarkan-survei-ojk","status":"publish","type":"post","link":"https:\/\/nasmedia.id\/blog\/5-fakta-literasi-finansial-gen-z-berdasarkan-survei-ojk\/","title":{"rendered":"5 Fakta Literasi Finansial Gen Z berdasarkan survei OJK"},"content":{"rendered":"<h1><strong>Pendahuluan <\/strong><\/h1>\n<p>Generasi Z (1997-2012) tumbuh di <a href=\"https:\/\/nasmedia.id\/blog\/5-strategi-membangun-personal-branding-di-era-digital\/\">era digital<\/a>, melek teknologi, aktif di media sosial, dan terbiasa dengan <a href=\"https:\/\/nasmedia.id\/store\/produk\/peran-mindfulness-dan-preferensi-sosial-dalam-pembentukan-literasi-keuangan\/\">transaksi digital<\/a>. Namun, apakah mereka juga <a href=\"https:\/\/nasmedia.id\/blog\/literasi-finansial-membangun-kesadaran-keuangan-sejak-dini\/\">melek finansial<\/a>?<\/p>\n<p>Menurut <a href=\"https:\/\/x.com\/ojkindonesia\/status\/1586953518849478658\">Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2022<\/a> yang dilakukan <a href=\"https:\/\/ojk.go.id\/id\/berita-dan-kegiatan\/siaran-pers\/Documents\/Pages\/OJK-dan-BPS-Umumkan-Hasil-Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2024\/SP%20OJK%20dan%20BPS%20Umumkan%20Hasil%20Survei%20Nasional%20Literasi%20dan%20Inklusi%20Keuangan%20Tahun%202024.pdf\">Otoritas Jasa Keuangan (OJK),<\/a> \u00a0<a href=\"https:\/\/tirto.id\/salah-kaprah-melek-keuangan-bukan-sekadar-bisa-menabung-gXBw\">indeks literasi keuangan<\/a> masyarakat Indonesia baru 49,68%, jauh tertinggal dari \u00a0<a href=\"https:\/\/tirto.id\/salah-kaprah-melek-keuangan-bukan-sekadar-bisa-menabung-gXBw\">indeks inklusi keuangan<\/a> 85,10%. Artinya banyak masyarakat, termasuk Gen Z, sudah memiliki akses ke produk keuangan, tetapi belum sepenuhnya memahami cara mengelolanya.<\/p>\n<p>Data terbaru <a href=\"https:\/\/ojk.go.id\/id\/berita-dan-kegiatan\/publikasi\/Pages\/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-(SNLIK)-2024.aspx\">SNLIK 2024<\/a> mencatat peningkatan : <a href=\"https:\/\/ojk.go.id\/id\/berita-dan-kegiatan\/siaran-pers\/Pages\/OJK-dan-BPS-Umumkan-Hasil-Survei-Nasional-Literasi-Dan-Inklusi-Keuangan-SNLIK-Tahun-2025.aspx\">indeks literasi keuangan<\/a> naik menjadi 65,43% dan <a href=\"https:\/\/ojk.go.id\/id\/berita-dan-kegiatan\/siaran-pers\/Pages\/OJK-dan-BPS-Umumkan-Hasil-Survei-Nasional-Literasi-Dan-Inklusi-Keuangan-SNLIK-Tahun-2025.aspx\">indeks inklusi keuangan<\/a> berada di angka 75,02%. Meski ada kemajuan , Gen Z masih tercatat dengan tingkat <a href=\"https:\/\/nasmedia.id\/blog\/literasi-finansial-membangun-kesadaran-keuangan-sejak-dini\/\">literasi finansial<\/a> rata-rata 70,19%. Sehingga <a href=\"https:\/\/nasmedia.id\/blog\/literasi-finansial-membangun-kesadaran-keuangan-sejak-dini\/\">edukasi keuangan<\/a> tetap menjadi kebutuhan mendesak.<\/p>\n<h2><strong>Apa itu Literasi Finansial?<\/strong><\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-5713\" src=\"https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-apa-itu-literasi-finansial.png\" alt=\"\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-apa-itu-literasi-finansial.png 1920w, https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-apa-itu-literasi-finansial-300x169.png 300w, https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-apa-itu-literasi-finansial-1024x576.png 1024w, https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-apa-itu-literasi-finansial-768x432.png 768w, https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-apa-itu-literasi-finansial-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<p><a href=\"https:\/\/nasmedia.id\/blog\/literasi-finansial-membangun-kesadaran-keuangan-sejak-dini\/\">Literasi finansial<\/a> adalah kemampuan memahami dan mengelola uang secara bijak. Ini mencakup pengetahuan tentang menabung, berbelanja, berinvestasi, serta mengenali risiko keuangan. Menurut <a href=\"https:\/\/www.ojk.go.id\/id\/Default.aspx\">OJK<\/a><a href=\"https:\/\/www.prudential.co.id\/id\/pulse\/article\/literasi-finansial-pengertian-manfaat-dan-prinsip-utamanya\/\">, literasi finansial<\/a> membantu individu membuat keputusan ekonomi yang tepat dan menghindari jebakan utang atau konsumsi implusif.<\/p>\n<h2><strong>Fakta <\/strong><a href=\"https:\/\/nasmedia.id\/blog\/kenali-6-jenis-literasi-yang-harus-dikuasai-di-era-digital\/\"><strong>Literasi Finansial<\/strong><\/a><strong> Gen Z Berdasarkan Survei <\/strong><a href=\"https:\/\/www.ojk.go.id\/id\/Default.aspx\"><strong>OJK<\/strong><\/a><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-5712\" src=\"https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-5-fakta-literasi-finansial.png\" alt=\"\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-5-fakta-literasi-finansial.png 1920w, https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-5-fakta-literasi-finansial-300x169.png 300w, https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-5-fakta-literasi-finansial-1024x576.png 1024w, https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-5-fakta-literasi-finansial-768x432.png 768w, https:\/\/nasmedia.id\/blog\/wp-content\/uploads\/2025\/10\/gambar-5-fakta-literasi-finansial-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h3><strong>1.\u00a0\u00a0\u00a0\u00a0 <\/strong><a href=\"https:\/\/nasmedia.id\/blog\/kenali-6-jenis-literasi-yang-harus-dikuasai-di-era-digital\/\"><strong>Literasi Finansial<\/strong><\/a><strong> Gen Z Masih Rendah<\/strong><\/h3>\n<p>SNLIK 2024 menunjukan bahwa kelompok<a href=\"https:\/\/www.viva.co.id\/bisnis\/1738438-snlik-2024-catat-masyarakat-usia-15-17-tahun-punya-literasi-keuangan-terendah#:~:text=Badan%20Pusat%20Statistik%20(BPS)%20dan%20Otoritas%20Jasa,17%20tahun%20memiliki%20literasi%20keuangan%20paling%20rendah.\"> usia 15-17 tahun memiliki tingkat literasi keuangan paling rendah<\/a>. Hal ini mengindikasikan bahwa meskipun Gen Z sangat akrab dengan <a href=\"https:\/\/nasmedia.id\/blog\/5-strategi-membangun-personal-branding-di-era-digital\/\">teknologi digital<\/a>, mereka belum sepenuhnya memahami konsep dasar keuangan.<\/p>\n<h3><strong>2.\u00a0\u00a0\u00a0\u00a0 <\/strong><strong>Rentan Terjerat <\/strong><a href=\"https:\/\/www.cnbcindonesia.com\/market\/20240906185032-17-569895\/terungkap-3717-dari-kredit-macet-pinjol-adalah-gen-z-dan-milenial\"><strong>Pinjaman Online<\/strong><\/a><\/h3>\n<p><a href=\"https:\/\/www.ojk.go.id\/id\/Default.aspx\">OJK<\/a> mencatat banyak Gen Z mudah terjerat <a href=\"https:\/\/ugm.ac.id\/en\/news\/ojk-warns-gen-z-and-millennials-vulnerable-to-online-loans\/\">pinjaman online (pinjol),<\/a> baik legal maupun illegal. Kepala Eksekutif Pengawas Perilaku Pelaku Usaha Jasa Keuangan, Edukasi, dan Perlindungan Konsumen OJK, <a href=\"https:\/\/id.wikipedia.org\/wiki\/Friderica_Widyasari_Dewi\">Friderica Widyasari Dewi<\/a> menegaskan bahwa Gen Z \u201c <a href=\"https:\/\/www.cnbcindonesia.com\/market\/20240802133459-17-559901\/anak-muda-akrab-gadget-tapi-minim-literasi-keuangan-ini-bahayanya\">s<em>angat digital literate, tapi belum financial literate<\/em><\/a><em>.\u201d <\/em>Akibatnya, mereka mudah mengakses pinjaman tanpa memahami risiko jangka panjang.<\/p>\n<h3><strong>3.\u00a0\u00a0\u00a0\u00a0 <\/strong><strong>Gaya Hidup <\/strong><a href=\"https:\/\/beritanasional.com\/detail\/84032\/gaya-hidup-yolo-dan-fomo-berdampak-buruk-pada-penggunaan-layanan-keuangan-digital-gen-z\"><strong>YOLO<\/strong><\/a><strong> dan <\/strong><a href=\"https:\/\/beritanasional.com\/detail\/84032\/gaya-hidup-yolo-dan-fomo-berdampak-buruk-pada-penggunaan-layanan-keuangan-digital-gen-z\"><strong>FOMO<\/strong><\/a><\/h3>\n<p><a href=\"https:\/\/www.tempo.co\/ekonomi\/hindari-yolo-dan-fomo-ojk-ajak-generasi-muda-manfaatkan-layanan-jasa-keuangan-dengan-bijak-2253\">Gen Z<\/a> dikenal dengan moto <a href=\"https:\/\/beritanasional.com\/detail\/84032\/gaya-hidup-yolo-dan-fomo-berdampak-buruk-pada-penggunaan-layanan-keuangan-digital-gen-z\">YOLO<\/a> (<em>You Only Live Once<\/em>) dan kebiasaan <a href=\"https:\/\/beritanasional.com\/detail\/84032\/gaya-hidup-yolo-dan-fomo-berdampak-buruk-pada-penggunaan-layanan-keuangan-digital-gen-z\">FOMO<\/a> (<em>Fear of Missing Out<\/em>). <a href=\"https:\/\/www.tempo.co\/ekonomi\/ojk-ingatkan-gen-z-soal-3-fenomena-yang-bisa-membuat-rugi-finansial-5156\">Survei OJK<\/a> menyoroti bahwa perilaku ini mendorong Keputusan finansial implusif, seperti membeli barang viral atau mengikuti tren tanpa perhitungan. Kebiasaan ini membuat <a href=\"https:\/\/www.tempo.co\/ekonomi\/hindari-yolo-dan-fomo-ojk-ajak-generasi-muda-manfaatkan-layanan-jasa-keuangan-dengan-bijak-2253\">Gen Z<\/a> rentan mengalami <a href=\"https:\/\/beritanasional.com\/detail\/84032\/gaya-hidup-yolo-dan-fomo-berdampak-buruk-pada-penggunaan-layanan-keuangan-digital-gen-z\">masalah keuangan<\/a>.<\/p>\n<h3><strong>4.\u00a0\u00a0\u00a0\u00a0 <\/strong><strong>Tabungan dan Investasi Masih Rendah<\/strong><\/h3>\n<p>Riset pendukung dari <a href=\"https:\/\/rri.co.id\/bisnis\/1121936\/gen-z-diajarkan-investasi-dan-perkuat-literasi-keuangan\">Research Institute (2019)<\/a> menunjukan bahwa alokasi tabungan Gen Z hanya sekitar 10,17% dari pendapatan. Mereka juga cenderung minim investasi, meskipun sudah akrab dengan aplikasi keuangan digital. Hal ini memperkuat temuan <a href=\"https:\/\/www.ojk.go.id\/id\/Default.aspx\">OJK<\/a> bahwa <a href=\"https:\/\/nasmedia.id\/blog\/literasi-finansial-membangun-kesadaran-keuangan-sejak-dini\/\">literasi finansial<\/a> Gen Z masih perlu ditingkatkan.<\/p>\n<h3><strong>5.\u00a0\u00a0\u00a0\u00a0 <\/strong><strong>Gap Antara Akses dan Pemahaman<\/strong><\/h3>\n<p>Meskipun indeks inklusi keuangan tinggi, <a href=\"https:\/\/www.tempo.co\/ekonomi\/hindari-yolo-dan-fomo-ojk-ajak-generasi-muda-manfaatkan-layanan-jasa-keuangan-dengan-bijak-2253\">Gen Z<\/a> sudah memiliki akses ke rekening bank, e-wallet, atau aplikasi investasi, tetapi pemahaman mereka tentang cara mengelola produk keuangan masih rendah. Inilah yang disebut OJK sebagai \u201cgap antara inklusi dan <a href=\"https:\/\/nasmedia.id\/blog\/kenali-6-jenis-literasi-yang-harus-dikuasai-di-era-digital\/\">literasi<\/a>.\u201d<\/p>\n<h1><strong>Penutup <\/strong><\/h1>\n<p>Fakta <a href=\"https:\/\/nasmedia.id\/blog\/kenali-6-jenis-literasi-yang-harus-dikuasai-di-era-digital\/\">literasi finansial<\/a> di kalangan Gen Z berdasarkan survei <a href=\"https:\/\/www.ojk.go.id\/id\/Default.aspx\">OJK<\/a> bahwa meskipun mereka sangat melek digital, pemahaman <a href=\"https:\/\/nasmedia.id\/blog\/kenali-6-jenis-literasi-yang-harus-dikuasai-di-era-digital\/\">finansial<\/a> mereka masih tertinggal. Rendahnya <a href=\"https:\/\/nasmedia.id\/blog\/kenali-6-jenis-literasi-yang-harus-dikuasai-di-era-digital\/\">literasi <\/a>\u00a0membuat <a href=\"https:\/\/www.tempo.co\/ekonomi\/hindari-yolo-dan-fomo-ojk-ajak-generasi-muda-manfaatkan-layanan-jasa-keuangan-dengan-bijak-2253\">Gen Z<\/a> rentan terjerat <a href=\"https:\/\/www.cnbcindonesia.com\/market\/20240906185032-17-569895\/terungkap-3717-dari-kredit-macet-pinjol-adalah-gen-z-dan-milenial\">pinjaman online,<\/a> terpengaruh gaya hidup <a href=\"https:\/\/www.tempo.co\/ekonomi\/hindari-yolo-dan-fomo-ojk-ajak-generasi-muda-manfaatkan-layanan-jasa-keuangan-dengan-bijak-2253\">YOLO<\/a> dan <a href=\"https:\/\/www.tempo.co\/ekonomi\/hindari-yolo-dan-fomo-ojk-ajak-generasi-muda-manfaatkan-layanan-jasa-keuangan-dengan-bijak-2253\">FOMO<\/a>, serta kurang disiplin dalam <a href=\"https:\/\/nasmedia.id\/store\/produk\/peran-mindfulness-dan-preferensi-sosial-dalam-pembentukan-literasi-keuangan\/\">menabung<\/a> dan <a href=\"https:\/\/nasmedia.id\/store\/produk\/peran-mindfulness-dan-preferensi-sosial-dalam-pembentukan-literasi-keuangan\/\">berinvestasi<\/a>.<\/p>\n<p>Dengan peningkatan indeks <a href=\"https:\/\/nasmedia.id\/blog\/literasi-finansial-membangun-kesadaran-keuangan-sejak-dini\/\">literasi keuangan<\/a>, kemajuan tersebut patut diapresiasi. Namun, tantangan terbesar tetap ada pada generasi muda. Oleh karena itu, <a href=\"https:\/\/nasmedia.id\/blog\/kenali-6-jenis-literasi-yang-harus-dikuasai-di-era-digital\/\">edukasi finansial<\/a> sejak dini menjadi kunci untuk membentuk Gen Z yang lebih bijak, mandiri, dan siap menghadapi tantangan ekonomi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pendahuluan Generasi Z (1997-2012) tumbuh di era digital, melek teknologi, aktif di media sosial, dan terbiasa dengan transaksi digital. Namun, apakah mereka juga melek finansial? Menurut Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2022 yang dilakukan Otoritas Jasa Keuangan (OJK), \u00a0indeks literasi keuangan masyarakat Indonesia baru 49,68%, jauh tertinggal dari \u00a0indeks inklusi keuangan 85,10%. Artinya [&hellip;]<\/p>\n","protected":false},"author":156,"featured_media":5714,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[211,473,81,544,543,248,546,541,545,542],"class_list":["post-5706","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-tips","tag-cek-fakta","tag-dunia-literasi","tag-fakta","tag-finansial","tag-gen-z","tag-gerakan-literasi","tag-keuangan","tag-literasi-finansial","tag-literasi-keuangan","tag-ojk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.5 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5 Fakta Literasi Finansial Gen Z berdasarkan survei OJK - Nasmedia Blog - Info Penulis, Buku, Penerbit dan Artikel<\/title>\n<meta name=\"description\" content=\"Fakta literasi finansial Gen Z berdasarkan survei OJK menyatakan pemahaman finansial mereka masih tertinggal. 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