Implementasi Project-Based Learning Melalui Financial Tracking Dalam Membentuk Kesadaran Pengelolaan Keuangan Mahasiswa: Studi Kasus Pada Mata Kuliah Manajemen Keuangan
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Abstract
Penelitian ini bertujuan mengeksplorasi implementasi Project-Based Learning (PjBL) melalui proyek financial tracking dalam membentuk kesadaran pengelolaan keuangan mahasiswa pada mata kuliah Manajemen Keuangan. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus. Data diperoleh melalui jurnal reflektif mahasiswa, laporan financial tracking, observasi kelas, dan wawancara semi-terstruktur, kemudian dianalisis secara tematik. Hasil penelitian menunjukkan bahwa kesadaran pengelolaan keuangan berkembang secara bertahap melalui pengalaman autentik dan proses reflektif yang berulang. Analisis menghasilkan enam tahap yang saling berkaitan, yaitu Experience, Record, Reflect, Evaluate, Adjust, dan Repeat. Keenam tahap tersebut membentuk Financial Tracking Awareness Development Model (FTADM), yang menjelaskan proses transformasi pengalaman keuangan pribadi menjadi kesadaran dan perubahan perilaku keuangan. Mahasiswa mulai mengenali pola pengeluaran, memahami konsekuensi keputusan keuangan, mengevaluasi perilaku, serta melakukan penyesuaian dalam penganggaran, pengendalian pengeluaran, dan kebiasaan menabung. Temuan ini menunjukkan bahwa financial tracking tidak hanya berfungsi sebagai aktivitas pencatatan, tetapi juga sebagai mekanisme self-monitoring dan pembelajaran reflektif. Penelitian ini memberikan kontribusi teoretis melalui pengembangan FTADM serta kontribusi praktis bagi desain pembelajaran manajemen keuangan berbasis pengalaman autentik di pendidikan tinggi.
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