SMART SAVING: MENGUBAH KEBIASAAN KECIL MENJADI KEBEBASAN FINANSIAL
DOI:
https://doi.org/10.58174/mgpbb220Keywords:
Literasi keuangan, Smart Saving, menabung, anak-anak, pengabdian kepada masyarakat, Financial literacy, Smart Saving, saving habits, children, community serviceAbstract
Financial literacy is a fundamental competency that should be introduced from an early age to develop responsible financial behavior, particularly given the persistently low levels of financial literacy among Indonesian children relative to developed countries and the OECD average. Limited understanding among children regarding the importance of saving and managing pocket money may hinder the formation of positive financial habits in the future, a concern that is also reflected in international assessments of students' financial literacy. Therefore, this Community Service Program (PKM) implemented the "Smart Saving: Transforming Small Habits into Financial Freedom" program for children at Griya Yatim and Dhuafa, Kelapa Dua, Tangerang Regency. The program aimed to improve participants' understanding of financial literacy, the importance of saving from an early age, and their ability to distinguish between needs and wants in daily life. The implementation employed a polite and educational approach consisting of presentations, storytelling, interactive discussions, educational games, question-and-answer sessions, and practical saving activities using piggy banks. Program evaluation was conducted through direct observation of participants' involvement, their ability to answer questions, and their overall responses throughout the activities. The results indicated that participants actively engaged in the program, demonstrated a better understanding of basic financial management concepts, and became more aware of the importance of setting aside part of their pocket money for savings. The distribution of piggy banks also increased participants' motivation to develop sustainable saving habits. Overall, the Smart Saving program proved to be an effective educational medium for fostering financial literacy among children through enjoyable learning methods tailored to their characteristics.
References
Alshebami, A. S. (2022). The interplay of social influence, financial literacy, and saving behaviour among Saudi youth and the moderating effect of self-control. Sustainability, 14(14), 8780. https://doi.org/10.3390/su14148780
Astrini, & Ali Pangestu, R. (2021). Peningkatan kesadaran menabung sejak dini melalui sosialisasi pentingnya menabung di SDN Cibingbin 01. ALMUJTAMAE: Jurnal Pengabdian Masyarakat, 1(3), 116–124. https://doi.org/10.30997/almujtamae.v1i3.2933
Fatikasari, N. (2022). Sosialisasi menabung sejak dini dalam upaya meningkatkan minat menabung siswa kelas 6 SD Negeri Senden 2. J-ABDI: Jurnal Pengabdian Kepada Masyarakat, 2(2), 3883–3890. https://doi.org/10.53625/jabdi.v2i2.2341
Halimatussadiah, H., Munir, D. R., & Husna, A. I. N. (2025). Pendampingan literasi keuangan di MIS Al-Barokah: Membangun kebiasaan menabung sejak dini. Abdi Widya: Jurnal Pengabdian Masyarakat, 4(1).
Harahap, A. P. A., Asnawi, Rosuli, F. A., & Hadijaya, Y. (2026). Sosialisasi literasi keuangan anak usia dini melalui program edukasi "Ayo Menabung" bersama SDN 048473 Desa Ndesakti. BUDIMAS: Jurnal Pengabdian Masyarakat, 8(1).
Hendratni, T. W., Astuti, S. B., & Ateniyanti, A. (2023). Sosialisasi literasi keuangan melalui edukasi menabung sejak dini sebagai wujud perencanaan finansial di Bogor, Jawa Barat. BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat, 5(2), 151–158. https://doi.org/10.36407/berdaya.v5i2.1047
Karepesina, F. H. (2024). Sosialisasi pentingnya literasi keuangan di era Society 5.0 bagi kalangan remaja. Pattimura Mengabdi: Jurnal Pengabdian Kepada Masyarakat, 2(2), 173–176. https://doi.org/10.30598/pattimura-mengabdi.2.2.173-176
Korselinda, R., Yusmaniarti, Y., & Hamron, N. (2022). Literasi keuangan melalui gemar menabung pada anak sejak dini di SD Negeri 15 Kota Bengkulu Kelurahan Tanah Patah. Jurnal Ilmiah Mahasiswa Kuliah Kerja Nyata (JIMAKUKERTA), 2(1), 10–15. https://doi.org/10.36085/jimakukerta.v2i1.3106
Kurnia, W. I., Melsinti, Y., Kisanjani, A., Rahman, N. N., & Andriyas, A. (2022). Edukasi pentingnya menabung sejak dini pada anak-anak. Jurnal Pengabdian UntukMu NegeRI, 8(2). https://doi.org/10.37859/jpumri.v8i2.7213
Kurniasih, N., Putri, M. A. A., Lestari, K. E., & Olivia, V. (2021). Sosialisasi Gerakan Gemar Menabung (GEMABUNG) sejak dini dan meningkatkan kreativitas dengan membuat celengan dari bahan bekas. Abdimas Indonesian Journal, 1(2), 105–112. https://doi.org/10.59525/aij.v1i2.76
Loda, A., Rua, R. M., Enes, Y. S., Ketmoen, A., Amaral, M. A. L., Amaral, L., & Boelan, E. G. (2023). Literasi keuangan: Gemar menabung sejak dini bagi anak-anak di daerah perbatasan Indonesia. BERNAS: Jurnal Pengabdian Kepada Masyarakat, 4(2), 1217–1224.
Maharjan, B., Manandhar, N. K., Pant, B. P., & Dahal, N. (2024). Meaningful engagement of preschoolers through storytelling pedagogy. Pedagogical Research, 9(2), em0187. https://doi.org/10.29333/pr/14144
Muis, M. A., Suwardi, Amri Mokoginta, A., Yuliansyah, Y., Putra, A. Y., & Saeba, A. (2026). Peningkatan literasi keuangan melalui edukasi menabung sejak dini pada anak-anak Rumah Penyuluhan Kreatif Jakarta Selatan. Jurnal Pengabdian Bukit Pengharapan, 6(1).
OECD. (2023). OECD/INFE 2023 international survey of adult financial literacy. OECD Business and Finance Policy Papers, No. 39. OECD Publishing. https://doi.org/10.1787/56003a32-en
OECD. (2024a). PISA 2022 results (volume IV): How financially smart are students? PISA, OECD Publishing. https://doi.org/10.1787/5a849c2a-en
OECD. (2024b). OECD/INFE survey instrument to measure digital financial literacy. OECD Publishing. https://doi.org/10.1787/548de821-en
Otoritas Jasa Keuangan & Badan Pusat Statistik. (2024). Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024. OJK. https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-(SNLIK)-2024.aspx
Prasetiyo, D. H. T., Izzudin, A., Utami, T. B., Baidlo, T. W., T.S.D, L. N., & Agustin, D. (2022). Pelatihan manajemen keuangan terhadap anak sejak usia dini. INTEGRITAS: Jurnal Pengabdian, 6(2), 269. https://doi.org/10.36841/integritas.v6i2.2319
Putri, A. R., Husna, F. K., & Ismail, H. (2023). Edukasi keuangan pada anak usia dini di PAUD Kasih Ibu Desa Delanggu. Jurnal Pengabdian Masyarakat Bangsa, 1(9), 1927–1934. https://doi.org/10.59837/jpmba.v1i9.444
Ramadhani, A., Qadri, U. L., Astuti, A., Adhitya, T. R., & Siregar, H. (2025). Edukasi interaktif sebagai langkah peningkatan literasi keuangan pada anak usia sekolah dasar. Dedikasi Sains dan Teknologi (DST), 5(2), 4755. https://doi.org/10.47709/dst.v5i2.7037
Setiawan, A., et al. (2024). Peningkatan literasi keuangan untuk murid dan wali murid di sekolah alternatif anak jalanan. Pengmasku, 4(2). https://doi.org/10.54957/pengmasku.v4i2.1193
Triana, E. S. (2025). Pengenalan menabung sebagai bentuk literasi keuangan anak usia dini melalui kegiatan pengabdian masyarakat di MI Miftahus Salimin Tawangsari Jawa Timur. JURPIKAT: Jurnal Pengabdian Kepada Masyarakat, 6(3), 1752–1763.
Widodo, A., Izkianti, A. J., Laxmana, A. A., Syahputra, M. A., & Nursyirwan, V. I. (2022). Pentingnya mengenal akuntansi sejak dini dengan metode menabung untuk anak usia 7–12 tahun. JPKM–Aphelion, 2(2), 162–168. https://doi.org/10.32493/jpka.v2i2.15114
Widya, U., & Mahakam, G. (2023). Edukasi pentingnya budaya menabung sejak dini untuk bekal masa depan. Dharma Gama: Jurnal Pengabdian Masyarakat, 1(1), 16–19. https://doi.org/10.56184/jpkmjournal.v3i1.307
Winona, K. D., & Wahyuni, R. (2023). Pengaruh literasi keuangan terhadap pengelolaan keuangan usaha mikro kecil dan menengah. Target: Jurnal Manajemen Bisnis, 5(2), 179–186. https://doi.org/10.30812/target.v5i2.3549
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Daffa Ahmad Athalla, Hilda Khoirunnisa, Nazwa Safitri
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
This work is licensed under a 