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Abstrak
Penelitian ini merinci desain, pengembangan, dan evaluasi aplikasi pengelolaan keuangan pribadi berbasis Android yang dirancang khusus untuk kaum muda yang sedang menempuh pendidikan tinggi. Untuk mengatasi tantangan keuangan yang unik seperti pengalaman yang terbatas dan pendapatan yang berfluktuasi, aplikasi ini dilengkapi dengan fitur-fitur seperti pelacakan pendapatan, pemantauan pengeluaran, penyusunan anggaran, dan penetapan tujuan keuangan. Dikembangkan menggunakan model Waterfall, aplikasi ini mencakup sistem login yang aman, pengelolaan transaksi yang intuitif, tujuan yang dapat disesuaikan, proyeksi anggaran, dan pemberitahuan otomatis untuk mendorong disiplin keuangan. Evaluasi kegunaan menggunakan skala Likert 5 poin dengan 50 pengguna menunjukkan skor kepuasan keseluruhan sebesar 4,6/5, yang dinilai ‘Sangat Baik’. Pengguna memuji desain yang intuitif, pelacakan yang akurat, dan pengingat yang memotivasi, sekaligus menyarankan penyesuaian tambahan serta analisis keuangan yang lebih mendalam untuk pembaruan di masa mendatang. Studi ini menunjukkan potensi alat digital yang ditargetkan untuk menumbuhkan literasi dan ketahanan keuangan, serta memberikan bukti bahwa teknologi yang dipersonalisasi dapat secara signifikan meningkatkan perilaku keuangan pada kaum muda dewasa. Penelitian selanjutnya akan mengeksplorasi penyesuaian yang lebih baik dan fitur-fitur berbasis AI untuk semakin menyempurnakan dampak aplikasi ini.
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Referensi
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