{"id":112965,"date":"2026-10-30T18:21:43","date_gmt":"2026-10-30T11:21:43","guid":{"rendered":"https:\/\/www.its.ac.id\/news\/?p=112965"},"modified":"2026-10-30T18:21:43","modified_gmt":"2026-10-30T11:21:43","slug":"menyikapi-in-this-economy-berhemat-tak-sekadar-soal-irit","status":"publish","type":"post","link":"https:\/\/www.its.ac.id\/news\/menyikapi-in-this-economy-berhemat-tak-sekadar-soal-irit\/","title":{"rendered":"Menyikapi In This Economy, Berhemat Tak Sekadar Soal Irit"},"content":{"rendered":"<figure id=\"attachment_112967\" aria-describedby=\"caption-attachment-112967\" style=\"width: 678px\" class=\"wp-caption alignnone\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-112967 size-full\" src=\"https:\/\/www.its.ac.id\/news\/wp-content\/uploads\/sites\/2\/2026\/10\/images.jpg\" alt=\"Hari Keuangan Nasional sebagai pengingat untuk merefleksikan pengelolaan uang (Sumber: HaluoleoNews.id)\" width=\"678\" height=\"452\" srcset=\"https:\/\/www.its.ac.id\/news\/wp-content\/uploads\/sites\/2\/2026\/10\/images.jpg 678w, https:\/\/www.its.ac.id\/news\/wp-content\/uploads\/sites\/2\/2026\/10\/images-300x200.jpg 300w\" sizes=\"(max-width: 678px) 100vw, 678px\" \/><figcaption id=\"caption-attachment-112967\" class=\"wp-caption-text\">Hari Keuangan Nasional sebagai pengingat untuk merefleksikan pengelolaan uang (Sumber: HaluoleoNews.id)<\/figcaption><\/figure>\n<blockquote><p><b>Kampus ITS, Opini \u2014<\/b><span style=\"font-weight: 400\"> Setiap tanggal 30 Oktober, Indonesia memperingati Hari Keuangan Nasional untuk mengenang Oeang Republik Indonesia (ORI) sebagai alat pembayaran sah sejak delapan dekade lalu. Di balik itu, peringatan ini juga menjadi momentum untuk merefleksikan peran uang dalam kehidupan. Terlebih pentingnya pengelolaan keuangan semakin relevan di tengah tantangan ekonomi saat ini.<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400\">Belakangan ini, ungkapan \u2018<\/span><i><span style=\"font-weight: 400\">in this economy<\/span><\/i><span style=\"font-weight: 400\">\u2019 sering kali dilontarkan sebagai kelakar tiap membicarakan pengeluaran yang terasa mahal. Misalnya, \u2018<\/span><i><span style=\"font-weight: 400\">In this economy<\/span><\/i><span style=\"font-weight: 400\">, beli kopi Rp50 ribu?\u2019. Ungkapan ini kerap digaungkan di ruang publik untuk menggambarkan tuntutan bagi masyarakat agar lebih bijak dan berpikir dua kali sebelum melakukan pembelian. Fenomena tersebut tak jarang diiringi dengan ajakan untuk menurunkan gaya hidup di tengah kondisi ekonomi yang tak menentu.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Berdasarkan studi Financial Resilience Index 2026 yang dirilis Sun Life Indonesia, sebanyak 80 persen dari 1.000 responden berusia 18 tahun ke atas mengaku merasakan tekanan akibat meningkatnya biaya hidup. Temuan ini menunjukkan tingginya keresahan masyarakat dalam mempertahankan kesejahteraan finansial. Terlebih, tuntutan hidup yang kian membebani membuat masyarakat perlu memikirkan kembali cara mengelola keuangannya.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Lantas, bagaimana seharusnya masyarakat menyikapi kondisi tersebut? Apakah menurunkan gaya hidup saja sudah cukup untuk menghadapi tantangan ekonomi saat ini? Persoalan ini sebenarnya bukan sekadar memangkas pengeluaran atau berupaya untuk \u201cikat perut\u201d dalam berbelanja.<\/span><\/p>\n<figure id=\"attachment_112968\" aria-describedby=\"caption-attachment-112968\" style=\"width: 650px\" class=\"wp-caption alignnone\"><img decoding=\"async\" class=\"wp-image-112968 size-full\" src=\"https:\/\/www.its.ac.id\/news\/wp-content\/uploads\/sites\/2\/2026\/10\/ilustrasi-dompet-berisi-uang-rupiah_169.jpeg\" alt=\"Perlunya kesadaran finansial dalam kondisi ekonomi saat ini (Sumber: iStock\/Jaka Suryanta)\" width=\"650\" height=\"365\" srcset=\"https:\/\/www.its.ac.id\/news\/wp-content\/uploads\/sites\/2\/2026\/10\/ilustrasi-dompet-berisi-uang-rupiah_169.jpeg 650w, https:\/\/www.its.ac.id\/news\/wp-content\/uploads\/sites\/2\/2026\/10\/ilustrasi-dompet-berisi-uang-rupiah_169-300x168.jpeg 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><figcaption id=\"caption-attachment-112968\" class=\"wp-caption-text\">Perlunya kesadaran finansial dalam kondisi ekonomi saat ini (Sumber: iStock\/Jaka Suryanta)<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400\">Studi yang sama menunjukkan bahwa 23 persen responden menggunakan tabungan untuk memenuhi kebutuhan sehari-hari. Sementara itu, 26 persen lainnya memilih mengurangi atau menunda pengeluaran untuk kebutuhan penting. Kondisi ini memperlihatkan bahwa upaya menekan pengeluaran belum sepenuhnya meredakan kekhawatiran finansial masyarakat.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Oleh karena itu, pengelolaan keuangan menjadi hal yang semakin perlu diperhatikan. Momentum Hari Keuangan Nasional dapat menjadi pengingat akan pentingnya pemahaman masyarakat dalam mengelola keuangan. Hal ini juga tercermin dalam Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2026 yang mencatat indeks literasi keuangan Indonesia sebesar 69,57 persen. Artinya, pemahaman masyarakat mengenai pengelolaan keuangan masih perlu ditingkatkan.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Untuk menanggapi kondisi ekonomi yang kurang menentu ini, masyarakat dapat mulai menerapkan pengelolaan keuangan melalui langkah-langkah sederhana. Salah satunya adalah dengan mencatat pengeluaran dan pemasukan secara berkala untuk mengenali pola konsumsi sekaligus menentukan skala prioritas dalam pembelian. Lebih lanjut, masyarakat dapat menyisihkan sebagian pendapatan untuk dana darurat sesuai kemampuan dan mengevaluasi anggaran secara rutin.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Pada akhirnya, pengelolaan keuangan bukan semata-mata tentang menekan pembelian, tetapi lebih terfokus pada membangun kebiasaan finansial yang lebih bijak. Melalui momentum Hari Keuangan Nasional ini, masyarakat diharapkan dapat semakin menyadari pentingnya kondisi keuangan masing-masing untuk menghadapi kebutuhan sehari-hari tanpa perlu mengorbankan kebutuhan di masa depan. <strong>(*)<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Ditulis Oleh:<br \/>\n<\/strong><strong>Nailah Rifdah Zakiyah<br \/>\n<\/strong><strong>Departemen Desain Komunikasi Visual<br \/>\n<\/strong><strong>Angkatan 2024<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kampus ITS, Opini \u2014 Setiap tanggal 30 Oktober, Indonesia memperingati Hari Keuangan Nasional untuk mengenang Oeang Republik Indonesia (ORI) sebagai alat pembayaran sah sejak delapan dekade lalu. Di balik itu, peringatan ini juga menjadi momentum untuk merefleksikan peran uang dalam kehidupan. Terlebih pentingnya pengelolaan keuangan semakin relevan di tengah tantangan ekonomi saat ini. Belakangan ini, [&hellip;]<\/p>\n","protected":false},"author":470,"featured_media":112967,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_joinchat":[],"footnotes":""},"categories":[14,4],"tags":[3223,3555],"class_list":["post-112965","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita-utama","category-opini","tag-cal","tag-kyo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Menyikapi In This Economy, Berhemat Tak Sekadar Soal Irit - ITS News<\/title>\n<meta name=\"description\" content=\"Hari Keuangan Nasional tiap tanggal 30 Oktober dapat menjadi momentum untuk merefleksikan peran uang dalam kehidupan\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.its.ac.id\/news\/menyikapi-in-this-economy-berhemat-tak-sekadar-soal-irit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Menyikapi In This Economy, Berhemat Tak Sekadar Soal Irit - 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