PENINGKATAN LITERASI KEUANGAN DIGITAL SISWA SMK MELALUI PROGRAM PELATIHAN PLATFORM KEUANGAN MODERN: STUDI PENGABDIAN DI SMK AS-SU'UDIYYAH
DOI:
https://doi.org/10.58174/f1sp2092Keywords:
digital financial literacy; modern financial platforms; PKM-PM; vocational students; participatory trainingAbstract
Low digital financial literacy among vocational high school (SMK) students represents a critical issue that demands structured and practice-based intervention. This Community Service Student Creativity Program (PKM-PM) was implemented at SMK As-Su'udiyyah, South Tangerang, with the objective of improving students' digital financial literacy through a modern financial platform-based training program. The method employed is a structured participatory training using an andragogical approach, encompassing socialization, interactive workshops, financial platform simulations (GoPay, OVO, DANA, BSI Mobile), independent mentoring, and comprehensive evaluation. The program engaged 35 students from grades X and XI as active participants. Results demonstrate significant improvements across all indicators: active e-wallet ownership rose from 38% to 87%, consistent saving habits from 22% to 78%, auto-debit feature comprehension from 15% to 74%, and daily budgeting ability from 29% to 81%. The program is proven effective as a community-based digital financial literacy intervention model and is replicable across other vocational institutions.
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