INOVASI PROGRAM MENABUNG HARIAN SEBAGAI UPAYA MENINGKATKAN KONSISTENSI FINANSIAL SMK KHAZANAH KEBAJIKAN

Abstract

The low level of financial literacy among vocational high school (SMK) students poses a significant challenge to the formation of long-term saving habits and responsible financial behavior. Globally, data from the Organisation for Economic Co-operation and Development (OECD) and UNESCO indicate that financial literacy education remains inadequate, particularly in developing countries, including Indonesia. This Community Service Program (PKM) was designed to address this gap by implementing an innovative daily saving program at SMK Khazanah Kebajikan, involving 68 students as participants. The training method was employed as the primary pedagogical approach, consisting of socialization, interactive counseling, skills training, and mentoring phases. Materials covered financial literacy fundamentals, the importance of early saving habits, effective allowance management, and the practical implementation of daily saving routines. The results demonstrated a significant improvement across all evaluated indicators: students' understanding of the importance of saving increased from 52% to 88%, allowance management ability improved from 45% to 85%, expenditure prioritization skills rose from 40% to 82%, financial recording skills advanced from 48% to 87%, and saving motivation increased from 55% to 90%. These outcomes confirm that the daily saving program effectively enhanced students' financial consistency, discipline, and awareness. This program is expected to serve as a foundational model for building financially responsible, independent, and future-ready generations.