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All Journal IJTIMA': Jurnal Pengabdian Masyarakat
Rianto Lumban Gaol, Teddy
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Economics, Econometrics & Finance

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Edukasi Literasi Keuangan Digital bagi Siswa Sekolah Menengah Atas dalam Pengelolaan Keuangan Pribadi Febriansyah, Erwin; Mora Marito Nasution, Hilfa; Muliawati; Rianto Lumban Gaol, Teddy; Ilham Zultami, Sy; Angelica Lijanto, Callysta; Zulaal Fadlila, Khaaiz; William, Andy
IJTIMA': Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2026): Oktober
Publisher : UIR Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/ijtima.2026.29960

Abstract

This community service activity aims to improve digital financial literacy among high school students through Microsoft Excel-based personal financial management training. The main challenges faced by students are a lack of understanding in managing income and expenses in a planned manner, as well as a high tendency towards consumptive behavior, particularly regarding non-priority spending. The methods used in this activity include material delivery, hands-on practice in preparing a monthly budget, and analyzing personal spending patterns using Microsoft Excel. The material provided includes an introduction to income types (recurring and non-recurring), expense classifications (fixed, variable, and non-priority), and the importance of saving and investing from an early age. Furthermore, participants are introduced to simple financial management concepts using the 50% needs, 30% wants, and 20% savings and investment approach. The results of the activity indicate an increase in students' understanding of budgeting, identifying spending patterns, and fostering awareness of managing finances more wisely and in a planned manner. Thus, this training is expected to foster good financial management habits from an early age and support students' financial independence in the digital age.
Co-Authors Andy William Angelica Lijanto, Callysta Febriansyah, Erwin Ilham Zultami, Sy Mora Marito Nasution, Hilfa Muliawati Zulaal Fadlila, Khaaiz