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All Journal Jurnal Pendidikan Terapan JURNAL EKONOMI BISNIS DAN MANAJEMEN Media Akuntansi Perpajakan Jurnal Ekonomi Bisnis dan Manajemen Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat Journal of Innovative and Creativity Jurnal Pengabdian Masyarakat Indonesia (JPMI) Islamic Financial And Accounting Review Jurnal Akuntansi dan Perpajakan (JUPAK)
Dwi Utami
Universitas Negeri Makassar
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Penguatan Financial Survival Skills melalui Pemanfaatan Personal Finance Tracker Digital dalam Membangun Kemandirian Keuangan Generasi Muda Desi Ratna Dewi; Dwi Utami; Arif Rahman Hasdik; Nurkholifah Burhanuddin; Nurul Emil Safitri
MENGABDI : Jurnal Hasil Kegiatan Bersama Masyarakat Vol. 4 No. 5 (2026): Oktober: MENGABDI: Jurnal Hasil Kegiatan Bersama Masyarakat
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/mengabdi.v4i5.2617

Abstract

This community service activity aims to enhance financial survival skills and financial independence among the youth generation through applied financial literacy training and the utilization of a Microsoft Excel/Google Sheets-based Digital Personal Finance Tracker. Today's youth face rampant digital transactions that trigger impulsive spending and phantom spending without being accompanied by systematic personal financial management skills. The target partners consisted of 32 youth participants (aged 19–22). The implementation methodology followed five stages: (1) Preparation and coordination, (2) Pre-test & initial Financial Check-Up, (3) Interactive training on 4 Financial Survival Skills (Know, Manage, Track, and Plan Your Money), (4) Hands-on practice and mentoring in using the Digital Personal Finance Tracker, and (5) Post-test evaluation and tracker usability analysis. Results demonstrated a significant increase in participant knowledge and skills, where the average evaluation score increased from 42.50 (low category) on the pre-test to 88.20 (very high category) on the post-test, achieving an N-Gain value of 0.79 (high effectiveness). The usability evaluation of the Digital Personal Finance Tracker scored an average of 4.65 out of 5.00. This activity successfully transformed participants' daily expense tracking habits and fostered the creation of real data-driven monthly budgets.
Co-Authors Adriansyah Ambarwati Akib Arif Rahman Hasdik Desi Ratna Dewi Magfirah Wahyu Ramadhan Magfirah Wahyu Ramadhani Nurkholifah Burhanuddin Nurul Chalisa Majiding Nurul Emil Safitri Patahuddin Sri Utami sri.utami@unm.ac.id Yulianti Karoma