<![CDATA[The massive development of financial technology (fintech) provides easy access to transactions for the younger generation, but on the other hand, it has the potential to trigger consumptive behavior and the risk of digital debt if not balanced with adequate financial literacy. This Community Service (PKM) activity aims to improve financial literacy understanding and control the consumptive behavior of grade X students at SMK Kristen Petra Surabaya as a preventive strategy for debt avoidance. The methods used in this program include interactive counseling using PowerPoint presentation media, simulations of financial management and Time Value of Money (TVM) calculations based on Microsoft Excel, and the implementation of gamification methods through financial literacy quartet card games. The results of the activity involving 34 students showed a significant increase in the partner's awareness and qualitative capacity. Students were actively engaged in two-way discussion sessions, capable of identifying scale priorities between needs and wants, and showed indications of behavioral changes in the form of initiating daily expenditure recording and saving. The implication of this activity is the availability of interactive learning modules and educational quartet cards handed over to the school as a tool for sustainable independent financial education.]]>
Copyrights © 2026
