PENINGKATAN LITERASI KEUANGAN REMAJA MELALUI PELATIHAN MANAJEMEN UANG SAKU PADA SISWA SMK
DOI:
https://doi.org/10.58174/vg9kc981Keywords:
Financial Literacy, Management of Pocket Money for Vocational High School Student, Community ServiceAbstract
Financial literacy is the primary foundation for vocational high school students to manage their finances wisely and avoid unhealthy consumption patterns. This study aims to improve students' financial literacy through pocket money management training. This Community Service (PKM) activity was conducted at SMK Nusantara 1 Ciputat, involving 22 11th-grade students majoring in Hospitality as participants. The methods used were material presentation through interactive lectures, two-way discussions, icebreakers, and simple budgeting simulations. The results of the activity showed a significant increase in students' financial literacy understanding, from 45% before the activity to 90% after the activity. In addition, financial management skills increased to 81% and savings motivation reached 88%. Students began to be able to differentiate primary needs from secondary desires and implement daily savings habits. In conclusion, this training was effective in changing students' financial mindsets and behaviors to be more planned, although more intensive follow-up activities are needed for more optimal and sustainable results.
References
Andhani, D., Lutfi, A. M., & Wahidah, N. R. (2026). Edukasi Literasi Keuangan untuk Meningkatkan Pemahaman Pengelolaan Keuangan di Yayasan Tajaul Karomatu Desa Situ Gadung Kabupaten Tangerang. Jurnal PKM Manajemen Bisnis, 6(1), 117–124. https://doi.org/10.37481/pkmb.v6i1.1747
Dewi, N. G., Muniroh, H., & Alliyah, S. (2023). Pembinaan Edukasi Finansial Melalui Budaya Menabung Sejak Dini Di Paud Umi Fatimah Kabupaten Rembang. Panrita Abdi-Jurnal Pengabdian …, 7(1), 154–159. http://journal.unhas.ac.id/index.php/panritaabdi/article/view/19258%0Ahttp://journal.unhas.a c.id/index.php/panritaabdi/article/download/19258/8916
Ekonomi, J., & Akuntansi, M. (2024). Neraca Neraca. 1192, 304–317.
Fadila, N., Azizah, S. N., Ayu, N., Wanda, F., & Kurniawan, B. (2025). Integrasi Literasi Keuangan dalam Pembelajaran Ekonomi: Strategi dan Dampaknya terhadap Pengambilan Keputusan Finansial. Triwikrama: Jurnal Ilmu Sosial, 9(7), 21–30.
Faerrosa, Lady, Dewi, P., Ibrahim, I. D. K., & Pratama, A. A. (2024). Pendidikan Literasi Keuangan bagi Santri-Santriwati Usia Remaja. ADMA : Jurnal Pengabdian Dan Pemberdayaan Masyarakat, 4(2), 387–394. https://doi.org/10.30812/adma.v4i2.3328
Hamidah, E. N., Subroto, W. T., & Hakim, L. (2024). Studi Literatur Analisis Tingkat Literasi Keuangan Dalam Meningkatkan Perilaku Keuangan Pada Remaja. Jurnal Pendidikan Ekonomi Undiksha, 15(2), 232–239. https://doi.org/10.23887/jjpe.v15i2.65778
Harijanto, J. L., Saputra, L. N., Ezar, G. J., & Linawati, N. (2024). Menanamkan literasi keuangan dan investasi pada remaja melalui game-based learning: Rally Games. Penamas: Journal of Community Service, 4(2), 411–422. https://doi.org/10.53088/penamas.v4i2.1354
Lelani, S., Firdaus, F., Hartono, J. S., & Zahro, A. (2024). Pendekatan Interaktif dalam Edukasi Menabung untuk Meningkatkan Literasi Keuangan Siswa di SB Kampung Bharu Malaysia. Jurnal PKM Manajemen Bisnis, 4(2), 273–281. https://doi.org/10.37481/pkmb.v4i2.846
Lunanta, L. P., Kaiya, A., Wiraja, L., Gaol, L., Ziva, O., Wiraja, L., Gaol, L., Simanjuntak, R. J., & Aretha, R. (2026). Literasi Keuangan Siswa Sekolah Menengah Atas : Studi Deskriptif Berbasis Item pada Remaja Indonesia. 6(4), 1345–1357.
Nanda, H. F., Luhsasi, D. I., & Sitorus, D. S. (2023). Peningkatan literasi keuangan siswa melalui penggunaan media interaktif SIKU (Sikapi Uangmu). Jurnal Inspirasi Pendidikan, 13(1), 39–
46. https://doi.org/10.21067/jip.v13i1.7850
Putri, M. D., Mappatompo, A., & Syah, F. (2025). Pengaruh literasi keuangan terhadap perilaku konsumtif. Jurnal Bisnis Mahasiswa, 5(5), 2302–2309. https://doi.org/10.60036/jbm.683
Rajagukguk, R. J., & Susanti, E. (2024). Peranan Sosial Media dalam Mengedukasi Generasi Muda Mengenai Literasi Keuangan untuk Membangun Kebiasaan Menabung. Ideas: Jurnal Pendidikan, Sosial, Dan Budaya, 10(2), 415. https://doi.org/10.32884/ideas.v10i2.1717
Safira, B., Riani, D., & Sanjaya, F. (2025). Pengaruh Pengelolaan Uang Saku dan Modernitas Individu Terhadap Perilaku Konsumtif Peserta Didik. Jurnal Pendidikan Ekonomi Undiksha, 17(2), 523–530. https://doi.org/10.23887/jjpe.v17i2.101145
Sari, C. K., Pandowo, H., Anggoro, S., Isnaningsih, T., & Khamid, A. (2024). Peningkatan Literasi Keuangan Remaja Melalui Edukasi Dan Praktik Pengelolaan Keuangan. Humanism Journal, 6 (3)(03), 112–120.
Sinaga, R., Sidauruk, S. H., Saleh, M., & Saleh, M. (2026). Pelatihan Pengelolaan Keuangan dan Bisnis Digital untuk Meningkatkan Kemandirian Pelajar di Komunitas SOS Children ’ s Villages Indonesia. 7(2), 1561–1569.
Taj, S., & Reddy, P. C. (2024). Assessing the Role of Financial Literacy in Enhancing Personal Financial Decision-Making a mong Students Review of Literature Research Methodology The research is descriptive and the data was collected. RVIM Journal of Management Research, 16(1), 25–31.
Taufik, R., Munandar, S. A., Pratiwi, M., Pamulang, U., & Serang, K. (2025). Edukasi literasi keuangan untuk meningkatkan kemampuan siswa smk nurul huda baros dalam mengelola keuangan pribadi. 1(3), 207–213.
Utama, J. A., Fitriyah, R., & Arifqi, M. (2025). Penguatan literasi keuangan siswa SMK Darun Najah Kapedi Bluto Sumenep. Penamas: Journal of Community Service, 5(3), 491–503. https://doi.org/10.53088/penamas.v5i3.2165
Wongso, E., Susanto, L. C., Ferdian, E., & Anastasia, N. (2026). Meningkatkan Literasi Keuangan Siswa SMA melalui Simulasi Trading dan Kuis Interaktif. 10(2), 141–151.
Wijaya, A., Julyanthry, J., Sianipar, R. T., Sinaga, O. S., Sisca, S., & Chandra, E. (2023). Strengthening Financial Literacy to Raise Aware of Will Financial Planning and Management in Youth. https://doi.org/10.32832/jurma.v7i1.1767
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Amanda Fahradiana Eisah Maharani, Anggun Diva Jovanka, Salwa Kamilah
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
