Teresia Angelia Kusumahadi, Rakhdiny Sustaningrum

Edukasi Literasi Keuangan: Mengelola Uang Sejak Dini

Introduction

Edukasi literasi keuangan: mengelola uang sejak dini. Edukasi literasi keuangan untuk siswa SMP. Ajarkan kelola uang saku, bedakan kebutuhan vs. keinginan, & kurangi perilaku konsumtif. Bekali remaja dengan skill finansial sejak dini.

Abstract

Literasi keuangan merupakan keterampilan penting yang perlu ditanamkan sejak dini agar remaja mampu membuat keputusan keuangan yang bijak. Pengabdian ini bertujuan memberikan edukasi literasi keuangan kepada siswa sekolah menengah pertama dengan fokus pada pengelolaan uang saku, perbedaan kebutuhan dan keinginan, serta pembentukan pola pikir keuangan yang positif. Kegiatan dilaksanakan di Saint John’s School Meruya pada 20 Mei 2025 dengan menggunakan pendekatan partisipatif Participatory Action Research dan Experiential Learning. Pelaksanaan kegiatan terdiri dari seminar interaktif dan workshop simulasi anggaran. Sebanyak 42 siswa berpartisipasi dan dievaluasi menggunakan instrumen pre-test dan post-test berbasis skala Likert. Hasil menunjukkan adanya peningkatan pada sebagian besar indikator. Skor kemampuan mengatur uang saku naik 11,49%, kemampuan menahan diri dari diskon naik 20,93%, dan pemahaman membedakan kebutuhan dan keinginan meningkat 4,73%. Sementara itu, kecenderungan berbelanja karena emosi menurun sebesar 9% dan kecenderungan menghabiskan uang lebih banyak dari yang dimiliki turun 5,43%. Temuan ini membuktikan bahwa kegiatan edukasi di sekolah mampu meningkatkan literasi keuangan dan mengurangi perilaku konsumtif pada remaja. Temuan ini juga berimplikasi pada pentingnya memperkuat literasi keuangan di sekolah sebagai investasi jangka panjang. Ke depannya, program serupa dapat diperluas, dilaksanakan berkesinambungan, serta melibatkan orang tua untuk memastikan dampak jangka panjang.

Review

This paper presents a timely and highly relevant initiative focused on financial literacy education for middle school students, titled "Edukasi Literasi Keuangan: Mengelola Uang Sejak Dini." The study effectively addresses a critical need to equip young adolescents with skills for prudent financial decision-making, emphasizing pocket money management, distinguishing needs from wants, and fostering a positive financial mindset. The methodology, employing Participatory Action Research and Experiential Learning through interactive seminars and budget simulation workshops, appears robust and well-suited for the target audience, with a clear objective to assess impact using pre-test and post-test instruments. The findings, derived from the participation of 42 students and evaluated using a Likert scale, demonstrate encouraging improvements across several key indicators. Notable gains include an 11.49% increase in the ability to manage pocket money, a significant 20.93% rise in self-restraint against discounts, and a 4.73% improvement in understanding needs versus wants. Furthermore, the intervention successfully reduced undesirable financial behaviors, with emotional spending decreasing by 9% and overspending tendencies by 5.43%. *Crucially, the abstract states the activity was conducted on "20 Mei 2025." Assuming this is a typographical error and should reflect a past date, the presented results offer compelling evidence for the immediate effectiveness of such interventions.* If not a typo, it fundamentally alters the interpretation of "results" as projections. These positive outcomes strongly support the authors' conclusion that school-based financial education can significantly enhance financial literacy and mitigate consumerist behavior among adolescents. The study effectively highlights the long-term investment potential of integrating financial literacy into school curricula. The suggested future directions—expanding the program, ensuring its sustainability, and involving parents—are logical and essential for maximizing and solidifying the long-term impact of such initiatives. Overall, this work provides valuable insights and a strong case for strengthening financial education in schools, offering a practical model for future implementation.

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