Felice Carmelite Aprilie Tan, Agnes Natalia, Theressia Selanova, Nanik Linawati

LITERASI KEUANGAN SEBAGAI STRATEGI PENGENDALIAN SIKAP KONSUMTIF: EDUKASI KEPADA SISWA SEKOLAH MENENGAH PERTAMA

Introduction

literasi keuangan sebagai strategi pengendalian sikap konsumtif: edukasi kepada siswa sekolah menengah pertama. Edukasi literasi keuangan bagi siswa SMP untuk mengendalikan sikap konsumtif. Pelajari strategi pengelolaan keuangan dasar dan perencanaan finansial efektif melalui metode interaktif.

Abstract

Literasi keuangan yang rendah pada kalangan remaja, khususnya remaja SMP, menyebabkan rendahnya kesadaran perencanaan keuangan dan perilaku konsumtif yang berlebihan. Aspek utama yang berperan dalam permasalahan ini ialah tingginya pengaruh sosial media dan kurangnya kurikulum formal tentang edukasi finansial. Sebagai solusi dari tantangan tersebut, dilaksanakan program pengabdian masyarakat dalam bentuk edukasi keuangan di SMP Negri 57 Surabaya menggunakan metode service learning. Pelaksanaan kegiatan ini menggunakan tiga tahapan yaitu persiapan, pelaksanaan, dan evaluasi. Mekanisme pembelajaran disusun secara interaktif melalui penyampaian materi, sesi permainan, sesi diskusi dan tanya jawab, serta sesi refleksi. Metode pembelajaran ini turut serta meningkatkan partisipasi siswa yang berperan dalam menopang pemahaman konsep dalam kehidupan sehari-hari. Aktivitas refleksi juga berperan dalam membangun kesadaran siswa akan pentingnya pengelolaan keuangan yang cermat. Oleh karena itu, kegiatan ini telah berhasil menyampaikan pemahaman komperhensif dan membekali siswa dengan kemampuan dasar yang dapat diimplementasikan pada kemudian hari.

Review

The article "LITERASI KEUANGAN SEBAGAI STRATEGI PENGENDALIAN SIKAP KONSUMTIF: EDUKASI KEPADA SISWA SEKOLAH MENENGAH PERTAMA" addresses a highly pertinent issue concerning the growing prevalence of low financial literacy and excessive consumerism among junior high school students, exacerbated by social media influence and lack of formal financial education. The authors present a community service program implemented at SMP Negeri 57 Surabaya, utilizing a service-learning methodology to impart financial education. The abstract highlights the interactive nature of the intervention, incorporating material delivery, games, discussions, and reflection sessions, which reportedly fostered student participation and understanding of financial concepts, ultimately building awareness for careful financial management and equipping students with foundational skills. While the initiative's objective and approach are commendable, the abstract would benefit from greater specificity regarding the program's execution and evaluation. It outlines three stages—preparation, implementation, and evaluation—but lacks detail on what exactly constituted the "evaluation" phase. For instance, what metrics or instruments were used to assess the "comprehensive understanding" or "basic skills" acquired by the students? How was the reduction in "konsumtif" behavior measured, if at all? Details on the duration of the program, the number of participants, and the specific content covered in the interactive sessions would significantly strengthen the perceived rigor of the intervention and its reported outcomes. Without these details, the claim of successful comprehension and skill acquisition remains largely anecdotal. Despite these needs for further elaboration, the paper contributes positively by demonstrating a practical, community-based approach to tackle a critical societal challenge. The use of service-learning and interactive methods offers a valuable model for engaging young adolescents in financial literacy education. Future research could build upon this by conducting longitudinal studies to assess the long-term impact on students' financial behavior and by comparing the effectiveness of different educational methodologies. Overall, this work presents a promising intervention, and with additional methodological details and more robust evidence of impact, it holds significant potential for informing educational strategies aimed at fostering responsible financial behavior among youth.

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