Communautaire: Journal of Community Service
Vol. 5 No. 1 (2026)

Empowering the Digital Generation: Enhancing Financial Literacy and Saving Behavior among Youth

Cliford Racelino Ratulangi (Universitas Baliem Papua)
Lazarus Suyatno Vianney (Universitas Baliem Papua)
Raymond Piring (Universitas Baliem Papua)
Gabriela Karen Tuuk (Universitas Baliem Papua)
Eridawaty Siagian (Universitas Baliem Papua)
Mison Towolom (Universitas Baliem Papua)
Tiara Tiara (Universitas Baliem Papua)



Article Info

Publish Date
06 Jun 2026

Abstract

This community service program aimed to improve students' digital financial literacy and strengthen saving behavior in the digital era by enhancing their understanding of financial planning, responsible financial management, and the safe use of digital financial services. The program employed a participatory educational approach through counseling sessions, interactive discussions, simulations, and hands-on practice using simple financial applications. The educational materials covered saving concepts, budgeting strategies, digital financial literacy, cybersecurity awareness, and responsible financial decision-making. Program evaluation was conducted using pre- and post-test methods, combined with direct observation, to measure changes in students' knowledge and behavior. The results indicated significant improvements in students' understanding of financial management, awareness of digital transaction security, and ability to utilize simple financial applications responsibly. In addition, students demonstrated stronger motivation to develop saving habits and manage their finances more independently. These findings imply that community-based digital financial literacy education plays an important role in preparing young people to face economic challenges wisely and responsibly in the rapidly evolving digital era.

Copyrights © 2026






Journal Info

Abbrev

communautaire

Publisher

Subject

Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Public Health Social Sciences Other

Description

Communautaire: Journal of Community Service is published by Al-Qalam Institute, Probolinggo, East Java, Indonesia. This journal publishes research and community service results carried out by practitioners, teachers, lecturers, and researchers. The focus and scope of this journal include research ...