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All Journal Jurnal Riset Akuntansi dan Bisnis Jambura Agribusiness Journal BINAMULIA HUKUM AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Vokasi Al-Kharaj: Journal of Islamic Economic and Business BERKAT: Jurnal Pemberdayaan Masyarakat Jurnal Pengabdian Masyarakat Tjut Nyak Dhien Jurnal Akuntansi, Keuangan dan Perpajakan Frontier Management Science (FMS) Binamulia Hukum CSR International Journal
Indri Dithisari
Politeknik Negeri Medan
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Journal : CSR International Journal

 1 
Mitigation of Consumptive Behavior through Financial Literacy and Saving Culture for Vocational High School Students Indri Dithisari; Marlya Fatira AK; Ummanah; Ana Susanti Yusman; Chairunnisa Nur Fitriani; Ganda Permana
CSR International Journal Vol. 4 No. 1: December 2024
Publisher : ALTSA Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35307/csrij.v4i1.48

Abstract

PMKM Education on financial literacy and saving culture at the State Vocational High School (SMK) 7 Medan, Sitirejo II Village, Medan Amplas District, Medan City, North Sumatra, Aims to provide an understanding of Financial Literacy in daily life, the importance of saving culture for future financial planning, Overcoming excessive consumptive behavior. The school has never received education related to this material from any party. In order to run PMKM activities smoothly, the service team carried out data collection techniques by interviewing the State Vocational High School (SMK) 7 Medan, which was given by finding knowledge transfer through the Educational Seminar on Financial Literacy Education and Saving Culture. The cost of implementing PMKM activities is needed in the amount of Rp. 1,917,000.00 (One et al. Hundred and Seventeen Thousand Rupiah) and a certificate from Bank Sumut Syariah. This educational activity has shaped students' knowledge and skills about financial literacy, consumptive behavior, and saving culture until an average of 87.55% after service implementation is evidenced by a perfect understanding with a score of 100, increasing to 112 people (56%). However, the lack of educational programs that specifically discuss financial literacy, which also supports students in personal financial management and the prevention of financial problems, is a challenge that needs to be overcome. Through this activity, a joint commitment was formed between PT Bank Sumut Syariah and SMK Negeri 7 Medan to assist the student saving culture program, which is carried out regularly and form student knowledge and awareness to save and reactivate the habit of saving more broadly, creating awareness among SMK students about shared responsibility in maintaining discipline and financial responsibility
Building Healthy Financial Habits And Maintaining Mental Health Students Senior High School Taught Financial Planning Education Nuraini; Marlya Fatira AK; Indri Dithisari; Mik Salmina; Sri Nirmala Sari; Salsabila
CSR International Journal Vol. 4 No. 1: December 2024
Publisher : ALTSA Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35307/csrij.v4i1.50

Abstract

This activity aims to provide an understanding of the basic steps in financial planning, managing expenses wisely, building healthy financial habits, and maintaining mental health when facing financial problems. This service uses a descriptive and qualitative approach, where the data collected is analyzed to provide solutions to the issues faced by students. After the Socialization and Education of Financial Planning for Students at SMKS Dharma Patra Pangkalan Susu, the average score of students who feel that they understand more about the importance of recording expenses in detail to manage finances, feel able to distinguish needs and desires, motivation to buy goods wisely, including waiting for a discount moment to save the costs, starting to plan expenses so that they are always smaller than their income, Committed to setting aside some money for unexpected needs or future savings is 86% of the 25 students, This shows a significant increase compared to the initial condition, which is 79%. The educational activities succeeded in overcoming two main problems faced by students, namely consumptive behavior and the impact of financial management on mental health and learning achievement. Through counseling on personal financial planning, students gain understanding and skills in managing finances wisely, managing expenses, and building healthy financial habits, which has a positive impact on increasing their financial awareness. In addition, with a holistic approach that includes material on the relationship between finances and mental health, students can also reduce stress and anxiety that disrupt mental balance and study concentration. As a result, most students feel calmer, more confident, and more motivated to face daily challenges and learn more effectively.
Co-Authors Ana Susanti Yusman Anriza Witi Nasution Chairunnisa Nur Fitriani Dalim, Muhammad Dewi Comala Sari Diena Fadhilah, Diena Ganda Permana HARTIKA, LIA Hasibuan, Raya Puspita Sari Hasibuan, Yetti Meuthia HERU PRANOTO Hutapea, Widya Yohana Ibrahim, Husin Jenny Elisabeth Juhandi, Dany Lia Hartika Lisa Medina Lubis, Riadini Wanty M. Rikwan Effendi Salam Manik Marlya Fatira AK Maya, Maya Syahlina Mik Salmina Muhammad Mabrur, Muhammad Nofriadi Nofriadi Nuraini Rahmawaty Rahmawaty Rahmawaty Rahmawaty Rahmawaty, Rahmawaty Razak, Abd. Salsabila Silmi Siregar, Rumnasari Khoiriyah Siti Maretia Benu Sri Nirmala Sari Sumanto, Natalia Lusianingsih Surya Dharma Surya Dharma Syarifah Lisa Andriati Ummanah Ummanah, Ummanah Yessi Kurnia Arjani Manik Yunita, Ananda