Peningkatan Literasi Keuangan untuk Mengurangi Perilaku Konsumtif Siswa SMA di Era Dompet Digital

Nurmiati
Murbayani
Ismail
Bastian Lubis

LOSARI: Jurnal Pengabdian Kepada Masyarakat
Vol. 8 No. 1 (2026): (Article on Progress)

This Community Service Activity aims to improve the financial literacy of high school students so they can manage their finances wisely in the era of digital wallets. In addition, this activity aims to raise students' awareness of the risks of consumptive behavior due to the ease of digital transactions, as well as to form disciplined, critical, and responsible financial attitudes in everyday life. The implementation method is designed with an experience-based learning approach or "Experiential Learning" through 4 stages: observation, interactive literacy, simulation, evaluation, and reflection. The number of participants who took part in this activity was 29 students. The results of the activity showed an increase in students' understanding of financial literacy, based on the results of the pre-test and post-test, namely the average financial literacy score from 56.8% to 82.4%, with an increase of 25.6 points or 45.07%. This activity proves that educational interventions carried out through interactive lectures, discussions, budgeting simulations, and reflections on real cases can improve financial literacy while reducing the tendency of students' consumptive behavior, especially in the use of digital wallets.