The purposes of this research are to learn the construction of Pancasila as an applied paradigm in suggesting policies of fair economy for developing saving habits of students in Bina Nusantara University Jakarta. The economy of Indonesia has expected high growth in accordance with Pancasila, which is the value of Indonesian’s ideology such as religious values, culture, and norms that have been well-respected. This study used a qualitative descriptive method through interviews with ten millennial generation students. Data analysis techniques are using ‘contents analysis’ methods to explore and build meanings from the taken research data. Pancasila is the basic compass of the breath of economic movement. The values of Pancasila encourage to every citizen of the right to freedom of savings. The lifestyle of saving is one of the initial factors for economic growth in a society because it has social benefits. The family is the first place where the younger generation is formed. The results revealed that the role of parents, especially fathers, really took a role in financial character education in the family. Schools must also provide financial education to parents and students.
During COVID-19 attack, there are change in the teaching and learning process from onsite to online. It is the challenge for the lecturers in Bina Nusantara to instill value education through Pancasila Education, Civic Education, and Religion Education to instill Value Education. In this situation the purpose of this study is to observe the extent of students' understanding of Pancasila Education, Civic Education and Religion Education on Value Education for the students during Covid-19 pandemic. This research used a quantitative method carried out by distributing questionnaires to 150 respondents as simple random sampling. The collected data were processed using SPSS 22, then completing it using path analysis. This research showed that Pancasila Education and Religion Education in Covid-19 pandemic significantly affect on Value Education. But there is no significant effect of Civic Education on the Value Education. The implication is that Pancasila Education and Religion Education should be delivered more intensively and seriously to instill value education more over Civic Education, so that the students as the young generation are not only having Pancasila, Civic, and Religion understanding but also can live up to the values which are used as core values by Bina Nusantara University.
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