Peningkatan Literasi Keuangan bagi Siswa dalam Mengelola Uang Saku di SD Negeri 020 Ridan Permai

Authors

  • Yedi Sispurwanto Politeknik Kampar
  • Dzulhijjah Yetti Politeknik Kampar
  • Lilian Nethania Nava Politeknik Kampar

Keywords:

Financial Literacy, Students, Pocket Money

Abstract

Financial literacy is a crucial competency that needs to be instilled from an early age to foster rational and responsible economic behavior. Low levels of financial literacy among elementary school students lead to a tendency toward consumerism and a lack of savings habits. This community service activity aims to improve the financial literacy of students at SD Negeri 020 Ridan Permai through an interactive and practical educational approach. The methods used included outreach, simulations, and hands-on practice, including daily financial record-keeping and savings habits. The results of the activity demonstrated an increase in students' understanding of basic financial concepts, their ability to differentiate between needs and wants, and behavioral changes in managing pocket money more wisely. This program makes a significant contribution to developing students' financial character from an early age and has the potential for sustainable implementation in elementary education settings.

References

Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128.

Gudmunson, C. G., & Danes, S. M. (2011). Family financial socialization: Theory and critical review. Journal of Family and Economic Issues, 32(4), 644–667. https://doi.org/10.1007/s10834-011-9275-y

Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x

John, D. R. (1999). Consumer socialization of children: A retrospective look at twenty-five years of research. Journal of Consumer Research, 26(3), 183–213. https://doi.org/10.1086/209559

Kotler, P., & Keller, K. L. (2016). Marketing management (15th ed.). Pearson Education Limited.

Lusardi, A. (2019). Financial literacy and the need for financial education: Evidence and implications. Swiss Journal of Economics and Statistics, 155(1), 1–8. https://doi.org/10.1186/s41937-019-0027-5

Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5

Mandell, L. (2008). Financial literacy of high school students. In J. J. Xiao (Ed.), Handbook of consumer finance research (pp. 163–183). Springer.

Organisation for Economic Co-operation and Development. (2016). OECD/INFE international survey of adult financial literacy competencies. OECD Publishing. https://doi.org/10.1787/9789264254855-en

Organisation for Economic Co-operation and Development. (2020). OECD/INFE 2020 international survey of adult financial literacy. OECD Publishing.

Otoritas Jasa Keuangan. (2022). Survei nasional literasi dan inklusi keuangan (SNLIK) 2022. Jakarta: OJK.

Piaget, J. (1972). The psychology of the child. Basic Books.

Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x

Santrock, J. W. (2011). Educational psychology (5th ed.). McGraw-Hill.

Vygotsky, L. S. (1978). Mind in society: The development of higher psychological processes. Harvard University Press

Downloads

Published

2024-06-30

Issue

Section

Articles

How to Cite

Peningkatan Literasi Keuangan bagi Siswa dalam Mengelola Uang Saku di SD Negeri 020 Ridan Permai. (2024). Altruism: The Indonesian Journal of Community Engagement, 3(1), 1-4. https://ejournal.uin-suka.ac.id/dakwah/aijce/article/view/3916