Digital Literacy and Financial Literacy of State Vocational High School (SMK Negeri) Students in Bekasi Regency

Abstract

Digital and financial literacy are increasingly important competencies for vocational high school (SMK) students as they prepare to participate in the digital economy and develop entrepreneurial capabilities. In Bekasi Regency, many students have access to digital technologies but still face limitations in using them effectively for business activities and managing financial resources. Strengthening these literacies is therefore essential to support students in developing sustainable entrepreneurial behavior and improving their readiness to create and manage small businesses. This study employed a quantitative approach involving SMK students in Bekasi Regency. Data were collected through questionnaires that measured students’ levels of digital literacy, financial literacy, and entrepreneurial behavior. The data were analyzed using statistical techniques to examine the relationship and influence of digital and financial literacy on students’ entrepreneurial capacity. The results indicate that digital literacy significantly supports students in utilizing digital tools, accessing market information, promoting products through social media, and conducting online transactions. Meanwhile, financial literacy helps students manage income and expenses, plan budgets, and make responsible financial decisions in business activities. The findings also show that the combination of digital and financial literacy strengthens students’ entrepreneurial mindset, creativity, and ability to identify business opportunities. In conclusion, digital and financial literacy play a complementary role in enhancing the entrepreneurial readiness of SMK students in Bekasi Regency. Integrating these competencies into vocational education can help students develop sustainable business practices and adapt to the demands of the digital economic environment.