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Ummanah Ummanah, Ummanah
Universitas Esa Unggul
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Journal : CSR International Journal

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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
Co-Authors A.A. Ketut Agung Cahyawan W Abi Saptadinata Ahmad Fuad Alfridho Yuliananda Alivia Yufitri Amadea Yohana Ana Susanti Yusman Ari Anggarani Winadi Prasetyoning Tyas Ari Anggarani Winadi Prasetyoning Tyas Ari Anggarani, Ari Ari AnggaraniWinadi Prasetyoning Tyas Ari Pambudi Arief Kusuma Ayu Larasati Ayu Larasati Binastya Anggara Sekti Budi Tjahjono Budilaksono, Sularso Budy Wiryawan Chairunnisa Nur Fitriani Dwi Rohman Soleh Dwi Setiyadi Dwi Wahyuningsih Dwi Wahyuningsih, Dwi Eka Bertuah Elvandari, Miliyantri Erry Yudhya Mulyani Erry Yudhya Mulyani Erry Yudhya Mulyani Euis Sadeli Febrianto, Haris Firdaus, M. Dzulfiqar Gaffara, Ghefra Rizkan Ganda Permana Hakim Rizki Alfaza Handrini Ardiyanti Heriyanti Heriyanti Heriyanti, Heriyanti Ichwanudin, Muhammad Ikbal Rachmat Illah Sailah Imam Yuwono Indri Dithisari Irawan, Bambang Irianto, Sugeng Eko Iswadi Iswadi Iswadi Kundang Karsono Juman Laras Sitoayu Lestari, Khezia Nina Lista Meria Luki Kristina Malabay Malabay Mandar, Nurulhasna S Manurung, Alberth Supriyanto Maratis, Jerry Mariyana Widiastuti Marlya Fatira AK Maulana, Salman MF. Arrozi Adhikara Mila Karmila Miliyantri Elvandari Muhamad Bahrul Ulum Muhammad Luthfi Mustika, Anindya Billa Nefianto, Tirton Nizirwan Anwar Nugroho, Tezar Mega Octaviani Anggraenita Panji Kuncoro Hadi Putri Ronitawati Raden Ayu Nurlinda Ratnawati Susanto Reza Fadhilla Ria Atmaja, Dodi Rian Adi Pamungkas Sa'pang, Mertien Safiani A. Faaroek Sagala, Relina Saputra, Sugiyono Selma Farhana Shahdila, Jani Shidiqah, Raysah Sadiyah Sidharta, Veranus Simbolon, Mardiana Syamsiar, Syamsiar Tarigan, Mazmur Tri Ismardiko Tyas, Ari Anggarani Winadi Prasetyoning Veby Husada Wahyuni, Yulia Widiyaningsih Widodo, Agung Mulyo Wijaya, Rahmat Yohanna Eka Putri br Girsang Yoseph Hari Pramono Yulfitri, Alivia Yulhendri Yulhendri Yulia Handayani Zulidar, Nur Afni