PERAN KETERAMPILAN LITERASI MATEMATIKA TERHADAP PERILAKU FINANSIAL HARIAN: SEBUAH TINJAUAN PUSTAKA
Abstract
Managing personal finances in daily routines is not merely a matter of consumerist attitude; it is fundamentally rooted in the capability to process numerical data accurately. This study aims to comprehensively analyze the role of mathematical literacy skills in shaping daily financial behaviors through a narrative literature review method. The literature search was conducted via Google Scholar, Garuda, DOAJ, and ScienceDirect databases, focusing on empirical and theoretical studies published between 2019 and 2026. The synthesized findings reveal that mathematical literacy serves as a primary cognitive prerequisite for financial literacy. Proficiency in proportional reasoning, compounding interest comprehension, discount percentage logic, and probabilistic risk evaluation significantly mitigates cognitive biases such as money illusion and hyperbolic discounting. Individuals with solid mathematical literacy exhibit disciplined budget allocation, avoidance of impulsive short-term digital credit (e.g., paylater schemes), and sound daily consumption rationales. The identified research gap highlights that formal mathematics education has historically remained detached from microeconomic realities. This study concludes that embedding contextual numeracy into mathematics curricula is essential for fostering financially prudent individuals.
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