Sosialisasi Pengelolaan dan Perencanaan Keuangan pada Siswa SMP Negeri 1 Tuntang melalui Edukasi dan Project Based Learning (PjBL)

Abstract

Financial management and financial planning are essential skills for young people. However, the 2024 National Survey of Financial Literacy and Inclusion (SNLIK) indicates that the financial literacy level of adolescents, including junior high school students, remains below the national average. Therefore, this community service program aimed to improve the understanding of financial management and financial planning among eighth-grade students at SMP Negeri 1 Tuntang through an interactive educational approach. The program was conducted on April 25, 2025, using lectures and interactive discussions supported by presentation media. The implementation consisted of a preparation stage involving coordination with the school and material development, an implementation stage covering topics such as saving habits, distinguishing needs from wants, pocket money management, basic investment concepts, and consumer behavior, complemented by an educational auction simulation using virtual balances, and an evaluation stage through participant observation and question-and-answer sessions. The results showed that students were enthusiastic and actively participated throughout the program. Most participants were able to explain the differences between needs and wants, the benefits of saving, strategies for managing pocket money, and basic investment concepts. Furthermore, students demonstrated an increased interest in developing saving habits and managing their expenses more wisely. The combination of lectures, discussions, and educational auction simulations proved effective in enhancing students’ financial awareness and understanding within a short period. This program also contributed to the achievement of Sustainable Development Goals (SDGs), particularly Goal 4 (Quality Education) and Goal 10 (Reduced Inequalities). Future programs are recommended to incorporate pre-tests and post-tests to measure effectiveness more objectively and to involve financial practitioners or representatives from the Financial Services Authority (OJK) to provide more comprehensive and practical financial education.