<![CDATA[This study aims to analyze the implementation of the Cha-Ching Curriculum in financial literacy education and to examine its real impact on the formation of disciplinary character among fifth-grade students at SD Negeri 1 Pelem. A preliminary study revealed variations in students' saving discipline and difficulties in understanding the Cha-Ching concept, as some students asked their parents for extra money to save instead of setting aside part of their own pocket money. This research employed a qualitative descriptive method. Data were collected through non-participant observation, semi-structured interviews with the teacher and fifth-grade students, and written and visual documentation. Data validity was examined using source and technique triangulation, then analyzed through data condensation, data display, and conclusion drawing. The results show that the program was implemented gradually through six learning sessions using interactive media. The implementation proved to have a significant impact in strengthening students' disciplinary character. Behavioral changes were reflected in improved discipline in managing daily pocket money, punctuality and regularity in saving using piggy banks (Rp500 to Rp2,000), and the ability to rationally distinguish needs from wants when shopping at the school canteen. In addition, students' discipline and empathy were reflected in their participation in classroom donation activities. The study concludes that the Cha-Ching Curriculum is genuinely able to shape and internalize financial discipline and the moral responsibility of fifth-grade elementary school students.]]>
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