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All Journal Komunita: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Stanley Alexander S.
Universitas Kristen Petra, Surabaya, Indonesia
Economics, Econometrics & Finance Environmental Science Public Health Social Sciences

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Edukasi Literasi Keuangan dan Pengendalian Perilaku Konsumtif untuk Mewujudkan Kebebasan Finansial Siswa SMK Kristen Petra Sienny Anggotioso; Stanley Alexander S.; Gabriela Sharon G.; Jocelyn Nataniella; Dewi Pertiwi
KOMUNITA: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 5 No 3 (2026): Agustus
Publisher : PELITA NUSA TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60004/komunita.v5i3.842

Abstract

The massive development of financial technology (fintech) provides easy access to transactions for the younger generation, but on the other hand, it has the potential to trigger consumptive behavior and the risk of digital debt if not balanced with adequate financial literacy. This Community Service (PKM) activity aims to improve financial literacy understanding and control the consumptive behavior of grade X students at SMK Kristen Petra Surabaya as a preventive strategy for debt avoidance. The methods used in this program include interactive counseling using PowerPoint presentation media, simulations of financial management and Time Value of Money (TVM) calculations based on Microsoft Excel, and the implementation of gamification methods through financial literacy quartet card games. The results of the activity involving 34 students showed a significant increase in the partner's awareness and qualitative capacity. Students were actively engaged in two-way discussion sessions, capable of identifying scale priorities between needs and wants, and showed indications of behavioral changes in the form of initiating daily expenditure recording and saving. The implication of this activity is the availability of interactive learning modules and educational quartet cards handed over to the school as a tool for sustainable independent financial education.
Co-Authors Gabriela Sharon G. Jocelyn Nataniella Pertiwi, Dewi Sienny Anggotioso