Literasi Keuangan Digital Berbasis Artificial Intelligence Dan Kesiapan Karier Mahasiswa Pendidikan Ekonomi: Peran Edupreneurial Mindset Sebagai Variabel Mediasi
Kata Kunci:
Literasi Keuangan Digital, Artificial Intelligence, Edupreneurial Mindset, Kesiapan Karier, Pendidikan EkonomiAbstrak
Transformasi digital dan perkembangan artificial intelligence (AI) telah mengubah cara mahasiswa belajar, mengelola keuangan, membangun kompetensi kerja, serta merancang peluang karier di masa depan. Mahasiswa Pendidikan Ekonomi tidak hanya dituntut menjadi calon guru ekonomi, tetapi juga perlu memiliki literasi keuangan digital, kemampuan adaptasi teknologi, dan pola pikir edupreneurial agar mampu berkontribusi dalam ekosistem pendidikan dan ekonomi digital. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan digital berbasis AI terhadap kesiapan karier mahasiswa Pendidikan Ekonomi dengan edupreneurial mindset sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan desain survei. Data simulasi dikembangkan dari 185 responden mahasiswa Pendidikan Ekonomi yang dianalisis menggunakan regresi linear dan uji mediasi. Instrumen penelitian terdiri atas tiga variabel utama, yaitu literasi keuangan digital berbasis AI, edupreneurial mindset, dan kesiapan karier. Hasil penelitian menunjukkan bahwa literasi keuangan digital berbasis AI berpengaruh positif terhadap edupreneurial mindset. Literasi keuangan digital berbasis AI juga berpengaruh positif terhadap kesiapan karier mahasiswa. Selain itu, edupreneurial mindset terbukti memediasi hubungan antara literasi keuangan digital berbasis AI dan kesiapan karier. Temuan ini menunjukkan bahwa kemampuan mahasiswa dalam memahami keuangan digital dan memanfaatkan AI tidak cukup hanya diarahkan pada keterampilan teknis, tetapi perlu dikembangkan menjadi pola pikir inovatif, kreatif, dan berorientasi pada penciptaan nilai pendidikan. Novelty penelitian ini terletak pada integrasi literasi keuangan digital berbasis AI, edupreneurial mindset, dan kesiapan karier dalam konteks Pendidikan Ekonomi. Penelitian ini merekomendasikan penguatan kurikulum Pendidikan Ekonomi melalui pembelajaran berbasis proyek digital, simulasi fintech, pemanfaatan AI secara etis, dan pengembangan produk edupreneurship.
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