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Journal : Masterpiece Journal Society Service Insight

Improving Financial Literacy and Saving Spirit of Muhammadiyah Perumnas Elementary School Students Nurul Qalbi Insaniah; Siti Walida Mustamin; Safitri Nurfianti; Lutfi Andi Abrar; Nurul Amira Hasmin; Muh. Syukrianza; Andi Muh. Ghazi Alghifari; Marwan; Muh. Wahyu Iskandar; Salman Al Farizy; Muh. Ilham Syamsur
Masterpiace Journal Society Service Insight Vol. 1 No. 2 (2025): August 2025
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/14j89m45

Abstract

Financial literacy is a fundamental life skill that needs to be introduced from an early age to foster responsible financial behavior. In Indonesia, the financial literacy index remains relatively low, particularly among children, which highlights the urgency of providing practical and engaging financial education at the elementary level. This community service program was designed to enhance the financial literacy and saving spirit of third-grade students at Muhammadiyah Perumnas Elementary School, Makassar. A total of 21 students participated in a two-hour interactive session employing a combination of lectures, evaluative quizzes, and the distribution of learning tools such as saving-target piggy banks. The educational content covered the definition of financial literacy, the concept and benefits of saving, distinguishing needs from wants, and simple saving methods. The findings revealed a significant improvement in students’ understanding of core financial concepts. The active participation and enthusiasm displayed by the students indicated that the methods used were effective in increasing awareness and encouraging positive financial habits. Furthermore, the program successfully instilled motivation for saving by providing tangible tools that supported daily practice. These results suggest that financial education at the primary school level can lay a strong foundation for long-term financial responsibility and independence. Broader implementation of similar initiatives is recommended to support national efforts in improving financial literacy and to prepare younger generations for future economic challenges.
Co-Authors Abdul Manan, Afni Abdullah Taufik Ritonga Abid Ramadhan Alnursa, Plening Gil Amalina, Azka Amanda, Amelia Andi Azizul Hakim Andi Muh. Ghazi Alghifari Andrisyah, Fauzi Aramudin Aramudin Ari Pradana Ariaty B, Eka Asmardi Ayu Irdayanti.J Azizi, Adni Salsabil Barmitoni Basri Bado, Basri Catur Yudhistira , Oza Chairani, Mira Chairunnisa, Cut Dewi, Lativa Andam Diding Nurdin, Diding Dwisari Dillasamola Eka Ariaty B Emil Evi Alfira Fadhilla, Naylatul Fadhillah, Risa Fadil, Muhammad Syukri Farkhah, Laeli Fitri, Maysa Friska Heriyanti Hafsah, Nur Hanisa, Najma Syakina Hasibuan, Ahmad Daniel Hendriansah Henny Dewi Koeswanti Herlina Ibnu Affan Imam Syafei Ismail Jamaluddin Idris juliandi wahyuda Kurniawan, Fuji Lailia Awalushaumi Latifannisa, Nuri Lina Warlina Lutfi Andi Abrar M. MAIL, ISMAIL Marnita Miftaqul Jannah Rahmalia Mufadhdhal, Muhammad Asad Muh. Ilham Syamsur Muh. Syukrianza Muh. Wahyu Iskandar Muhadzid, Fayyadh Atsil Muhammad Fahri, Muhammad Muhammad Naufal, Muhammad Muhammad Yazid MUNAWAR Murhadi Mursyidi Mustamin, Siti Walidah Mustari, Ulul Azmi Naoval Husni Noverial Nukhe Andri Silvana Nunu Mahnun Nurul Amira Hasmin Nurul Qalbi Insaniah Nurulhadi Nurwijayanti Nuzla Af’idatur Robbaniyyah Oktafani, Reni Oktaviani, Dilla Pratiwi, Eghinna Elsa Prianda, Didit Nazar Prihatin, Eka Putri, Biomechy Oktomalio Putri, Popy Dwi Radeswandri Ramadhani, Nasywa Anjani Raudhotun Nisak Riandi Marisa Rismawati Romansyah Sahabuddin Safitri Nurfianti Sahmudin Harahap, Hendri Salman Al Farizy Setiawannie, Yuli Sigit Nugroho Siraj Suci Permatasari SUHENRIK P Sulasmiana Supardi Salam Suriaini, Nanda Thoriq, Muhammad Umar Hasan Martadinata Vebrianto, Rian Vira Dila, Sondang Wijaya, Fatnuh Yunia Wardi Zahara Zanzibar Zefriyenni