Digital Financial Literacy of Students of State Madrasah Aliyah 4, Cirebon Regency In The Cashless Society Era

Abstract

The purpose of this study is to ascertain the degree of digital financial literacy among MAN 4 Cirebon students in the age of cashless society and to pinpoint the variables that affect it. Descriptive quantitative research is being conducted using a Google Form survey method. There were 172 students who responded, representing a range of majors and classes. According to the findings, 40.7% of students use digital wallet apps like DANA, OVO, and GoPay, while 93.0% of students do not have a personal bank account. With an average score of 3.48 on a 5 point scale, pupils' digital financial literacy is categorized as moderate to good. The habit of carrying digital currency (score 2.55) is still poor, but awareness of security and the dangers of digital fraud is the most prevalent factor (scoring 4.11). The most common uses of e-wallets are for game top-ups (28.5%) and online shopping (44.8%). These findings suggest that in order to develop a generation of financially aware and secure online shoppers, schools must implement digital financial education and mentoring programs