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Tanmiyah Impact: Islamic Economics & Business Service Journal
Published by Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
ISSN : -     EISSN : 31251552     DOI : https://doi.org/10.30983/tanmiyahimpact
Core Subject :
The journal focuses on applied service and impact in: Islamic Economics & Finance: zakat, waqf, infaq, financial inclusion, microfinance (BMT), and integration of Islamic social finance. Islamic Business & Entrepreneurship: halal industry development, MSME incubation, sharia marketing, and supply-chain and logistics for halal products. Institutional Empowerment: governance and sharia audit outreach, literacy and capability programs for cooperatives, schools, pesantren, and local governments. Fintech & Digitalization: adoption of sharia fintech, digital payment literacy, and platform design for community business services. Accounting & Management Services: Islamic accounting literacy, cost and pricing assistance, business model innovation, risk management, and compliance. Socio-Economic Policy & Impact: impact evaluation, policy briefs, advocacy for inclusive growth, poverty alleviation, and sustainability (Maqāṣid al-Sharī‘ah).
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Articles 72 Documents
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Mewujudkan Tata Kelola Keuangan Organisasi Pemuda Jorong Koto Nagari Kamang Hilia Secara Akuntabel Sarah Nurfarizki; Dewi Manda Angraini
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Pelatihan penyusunan laporan keuangan merupakan upaya strategis untuk meningkatkan kapasitas manajerial dan akuntabilitas organisasi pemuda di tingkat desa atau jorong. Kegiatan pelatihan ini dilaksanakan di Jorong Dalam Koto dengan tujuan memberikan pengetahuan dan keterampilan dasar dalam menyusun laporan keuangan yang sistematis, transparan, dan sesuai dengan standar keuangan sederhana. Metode pelatihan dilakukan melalui lima sesi yang mencakup presentasi materi, praktik langsung, dan bimbingan intensif. Hasil pelatihan menunjukkan peningkatan pemahaman peserta terhadap konsep dasar pencatatan, penyusunan laporan arus kas masuk dan keluar, serta pembuatan laporan keuangan akhir periode. Selain itu, peserta juga dapat menerapkan format pelaporan yang lebih terorganisir dan terdokumentasi dengan baik. Pelatihan ini diharapkan dapat menjadi dasar bagi perbaikan tata kelola keuangan organisasi pemuda dan dapat menjadi model yang dapat diterapkan di desa atau jorong lainnya Financial report preparation training is a strategic effort to enhance the managerial capacity and accountability of youth organizations at the village or Jorong level. This training activity was conducted in Jorong Dalam Koto with the aim of providing knowledge and basic skills in preparing financial reports that are systematic, transparent, and in accordance with simple financial standards. The training method was carried out through five sessions, including material presentations, hands-on practice, and intensive guidance. The results of the training showed an increase in participants' understanding of basic recording concepts, the preparation of cash inflow and outflow reports, and the preparation of end-period financial reports. In addition, participants were able to apply a more organized and well-documented reporting format. This training is expected to serve as a foundation for improved financial governance in youth organizations and become a model that can be applied in other villages or Jorongs
Muzara’ah Go Digital Sebagai Solusi Kemitraan Pertanian Bagi Lansia Di Jorong Babukik Indra Hari Yadi; Era Sonita
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Desa-desa agraris di Indonesia saat ini menghadapi tantangan besar akibat perubahan demografi, khususnya meningkatnya jumlah petani lanjut usia dan menurunnya partisipasi generasi muda dalam sektor pertanian. Kondisi tersebut juga terjadi di Jorong Babukik, Kabupaten Agam, di mana sebagian besar lahan pertanian dimiliki oleh masyarakat lansia yang tidak lagi mampu mengelolanya secara langsung. Salah satu solusi yang ditawarkan untuk mengatasi permasalahan tersebut adalah penerapan sistem kemitraan pertanian berbasis syariah melalui akad muzara’ah. Namun, agar praktik muzara’ah tetap relevan di era digital, diperlukan transformasi berbasis teknologi informasi dan komunikasi. Artikel ini bertujuan untuk menawarkan sebuah inovasi bertajuk “Muzara’ah Go Digital”, yaitu integrasi konsep muzara’ah dengan teknologi digital guna menciptakan sistem pertanian yang adil, produktif, dan inklusif. Metode yang digunakan dalam penelitian ini meliputi observasi lapangan, wawancara dengan pemilik lahan dan pemuda setempat, serta kajian pustaka terhadap literatur yang relevan. Hasil kajian menunjukkan bahwa keberhasilan implementasi model Muzara’ah Go Digital sangat dipengaruhi oleh kolaborasi antara masyarakat, pemerintah, lembaga keuangan syariah, dan perguruan tinggi. Agrarian villages in Indonesia are currently facing major challenges due to demographic changes, particularly the increasing number of elderly farmers and the declining participation of younger generations in the agricultural sector. This condition is also evident in Jorong Babukik, Agam Regency, where a significant portion of agricultural land is owned by elderly residents who are no longer able to manage their land independently. One solution proposed to address this issue is the implementation of a sharia-based agricultural partnership system through the muzara’ah contract. However, to ensure that this practice remains relevant in the digital era, transformation based on information and communication technology is required. This article aims to propose an innovation entitled “Muzara’ah Go Digital”, which integrates the concept of muzara’ah with digital technology to create a fair, productive, and inclusive agricultural system. The methods employed include field observations, interviews with landowners and local youth, and a literature review. The findings indicate that the successful implementation of the Muzara’ah Go Digital model is strongly influenced by collaboration among the community, government, Islamic financial institutions, and higher education institutions.
Strategi Pelatihan Komersialisasi Pengolahan Produk Pisang Di Jorong Mudiak Palupuah Pretty Zinta; Ilham Illahi
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pendapatan dan kesejahteraan masyarakat melalui pelatihan komersialisasi produk olahan pisang di Jorong Mudiak Palupuah. Program ini dilaksanakan dengan mengidentifikasi potensi lokal pisang serta peluang pasar guna menghasilkan produk olahan bernilai tambah. Metode pelaksanaan menggunakan pendekatan partisipatif melalui pelatihan praktik pengolahan pisang, peningkatan kualitas produk, pengembangan merek dan kemasan, serta strategi pemasaran secara luring dan daring. Tahapan kegiatan meliputi pemetaan potensi awal, pelaksanaan pelatihan, pendampingan pengembangan produk dan pemasaran, serta evaluasi hasil kegiatan. Hasil pengabdian menunjukkan adanya peningkatan keterampilan masyarakat dalam mengolah dan memasarkan produk berbasis pisang, yang ditandai dengan meningkatnya kualitas produk, terbentuknya merek yang menarik, serta meluasnya jangkauan pemasaran. Selain itu, kerja sama dengan distributor dan pengembangan inovasi produk turut mendorong peningkatan penjualan dan pendapatan. Program ini juga meningkatkan kesadaran masyarakat terhadap pentingnya produk pangan yang aman dan berkualitas, sehingga berkontribusi pada penguatan ekonomi lokal dan peningkatan kesejahteraan masyarakat. This community service program aims to increase community income and welfare through commercialization training for processed banana products in Jorong Mudiak Palupuah. The program was implemented by identifying local banana potential and market opportunities to develop value-added processed products. A participatory training approach was applied, including hands-on practice in banana processing, improvement of product quality, branding and packaging development, and marketing strategies through offline and online platforms. The implementation stages consisted of initial potential mapping, training activities, mentoring in product development and marketing, and evaluation of outcomes. The results show an improvement in participants’ skills in processing and marketing banana-based products, indicated by better product quality, the creation of attractive product brands, and wider market reach. In addition, collaboration with distributors and the development of innovative product variants contributed to increased sales and income. The program also raised community awareness of the importance of producing safe and high-quality food products, thereby strengthening the local economy and improving community welfare.
Edukasi Literasi Layanan Perbankan Syariah Bagi Masyarakat Perkebunan Tebu Dan Ubi Kayu Jorong Sungai Taleh Engjellina Seroja; Ilham Illahi
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

Rendahnya literasi masyarakat terhadap layanan perbankan syariah masih menjadi permasalahan di wilayah pedesaan, khususnya di sentra perkebunan tebu dan ubi kayu Jorong Sungai Taleh, Nagari Baringin, Kecamatan Palembayan, Kabupaten Agam. Kondisi ini ditandai dengan keterbatasan pemahaman petani mengenai prinsip, produk, dan manfaat perbankan syariah serta kecenderungan menggunakan sumber pembiayaan informal. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan literasi dan kesadaran masyarakat terhadap layanan perbankan syariah melalui pendekatan edukasi kontekstual. Metode pelaksanaan dilakukan melalui kegiatan sosialisasi dan penyuluhan. Sosialisasi berfokus pada pengenalan konsep dasar ekonomi dan perbankan syariah, sedangkan penyuluhan diarahkan pada pemahaman produk yang relevan dengan kebutuhan petani, seperti pembiayaan modal usaha dan tabungan syariah, menggunakan bahasa sederhana dan contoh kontekstual. Evaluasi dilakukan melalui observasi sebelum dan sesudah kegiatan. Hasil menunjukkan peningkatan pemahaman masyarakat terhadap konsep bagi hasil serta meningkatnya minat mengakses layanan perbankan syariah. Edukasi langsung terbukti efektif dalam membangun pemahaman dan kepercayaan masyarakat. Low community literacy regarding Islamic banking services remains a challenge in rural areas, particularly in sugarcane and cassava plantation centers in Jorong Sungai Taleh, Nagari Baringin, Palembayan District, Agam Regency. Farmers generally have limited understanding of Islamic banking principles, products, and benefits and tend to rely on informal financing sources. This community service program aimed to improve public literacy and awareness of Islamic banking services through a contextual educational approach. The program was implemented through socialization and counseling activities. Socialization introduced basic concepts of Islamic economics and banking, while counseling focused on products relevant to farmers’ needs, such as business capital financing and Islamic savings, using simple language and contextual examples. Evaluation was conducted through observations before and after the activities. The results show an improvement in community understanding of profit-sharing concepts and increased interest in accessing Islamic banking services. Direct and context-based education proved effective in changing perceptions and building trust. This program recommends expanding Islamic banking education in rural areas and strengthening cross-sector collaboration to support sustainable Islamic financial inclusion.
Program Tabungan Pelajar Syariah sebagai Strategi Penanaman Budaya Menabung pada Siswa SDN 18 Padang Kunyik Sandy Nugraha Abdullah; Zulhelmi
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Penanaman budaya menabung sejak usia dini merupakan upaya strategis dalam membentuk kedisiplinan finansial anak berbasis nilai-nilai keuangan syariah. Penelitian ini bertujuan mengeksplorasi implementasi program tabungan pelajar syariah di SDN 18 Padang Kunyik dalam mendorong kebiasaan menabung pada siswa sekolah dasar. Metode penelitian menggunakan pendekatan kualitatif dengan teknik pengumpulan data melalui observasi kegiatan, wawancara dengan siswa dan guru, serta dokumentasi pendukung. Program tabungan pelajar syariah dilaksanakan secara terstruktur melalui kegiatan menabung rutin, pendampingan guru, serta pemberian pemahaman sederhana mengenai prinsip dasar perbankan syariah. Hasil penelitian menunjukkan bahwa program ini memberikan dampak positif terhadap sikap dan perilaku siswa dalam menabung, meningkatkan kesadaran finansial, serta memperkenalkan pemahaman awal mengenai konsep keuangan dan perbankan syariah. Selain itu, siswa menunjukkan antusiasme dan konsistensi yang lebih baik dalam mengelola uang saku. Penelitian ini merekomendasikan keberlanjutan dan perluasan implementasi program tabungan pelajar syariah di sekolah dasar lainnya sebagai upaya penguatan literasi keuangan syariah sejak dini. Instilling a saving culture from an early age is a strategic effort to develop children’s financial discipline based on Islamic financial values. This study aims to explore the implementation of a sharia-based student savings program at SDN 18 Padang Kunyik in encouraging saving habits among elementary school students. The study employed a qualitative approach, with data collected through activity observations, interviews with students and teachers, and supporting documentation. The student savings program was implemented in a structured manner through routine saving activities, teacher guidance, and the introduction of basic concepts of Islamic banking principles using simple and child-friendly explanations. The findings indicate that the program positively influences students’ attitudes toward saving, enhances their financial awareness, and introduces foundational knowledge of Islamic financial and banking concepts. Additionally, students demonstrated increased enthusiasm and consistency in managing their pocket money. This study recommends sustaining and expanding similar sharia-based student savings programs in other elementary schools to strengthen Islamic financial literacy from an early age.
Repackaging Dan Branding Ikan Asin Sebagai Strategi Promosi Penjualan UMKM Perikanan Di Pasia Tiku Daerah Rahma Oktafianti; Soraya Oktarina
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

Ikan asin merupakan salah satu produk olahan hasil laut yang memiliki potensi ekonomi tinggi apabila dikelola dan dipasarkan secara optimal. Di Pasia Tiku, kualitas ikan asin yang dihasilkan pelaku UMKM tergolong baik, namun strategi promosi masih terbatas, khususnya pada aspek kemasan produk. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan pemahaman dan keterampilan pelaku UMKM dalam pengemasan (packaging) ikan asin sebagai strategi promosi penjualan. Metode pelaksanaan dilakukan melalui kegiatan edukasi dan pendampingan yang mencakup pengenalan fungsi kemasan, desain kemasan yang informatif, serta pentingnya identitas merek dalam meningkatkan daya tarik produk. Evaluasi dilakukan melalui observasi terhadap respons dan pemahaman pelaku UMKM selama kegiatan berlangsung. Hasil pengabdian menunjukkan adanya peningkatan pemahaman pelaku UMKM mengenai peran kemasan dalam meningkatkan nilai jual dan daya saing produk, serta munculnya minat untuk menerapkan kemasan yang lebih menarik dan informatif. Kegiatan ini diharapkan dapat mendorong pengembangan UMKM pengolah ikan asin lokal secara berkelanjutan serta memperkuat strategi promosi produk perikanan di wilayah Pasia Tiku. Salted fish is one of the processed marine products with high economic potential when properly managed and marketed. In Pasia Tiku, although the quality of salted fish produced by local MSMEs is relatively good, promotional strategies remain limited, particularly in product packaging. This community service program aimed to enhance the knowledge and skills of MSME actors in salted fish packaging as a sales promotion strategy. The program was implemented through educational and mentoring activities covering the functions of packaging, informative and attractive package design, and the importance of branding in increasing product appeal. Evaluation was conducted through observation of participants’ responses and understanding during the activities. The results indicate an improvement in MSME actors’ awareness of the role of packaging in increasing product value and competitiveness, as well as growing interest in adopting more informative and appealing packaging. This program is expected to support the sustainable development of local salted fish processing MSMEs and strengthen fisheries product promotion strategies in Pasia Tiku.
Implementasi Program Literasi Keamanan Uang Sebagai Upaya Pencegahan Uang Palsu Pada Siswa SD 14 Labuah Difa Audina; Rika Widianita
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Peredaran uang palsu merupakan permasalahan serius yang berpotensi merugikan masyarakat, termasuk kelompok rentan seperti siswa sekolah dasar. Rendahnya literasi keamanan uang menyebabkan siswa belum mampu membedakan uang asli dan palsu, terutama di wilayah pedesaan. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan pemahaman siswa mengenai keamanan uang melalui penerapan Program Literasi Keamanan Uang di SD 14 Labuah. Metode pelaksanaan kegiatan menggunakan pendekatan edukatif-partisipatif melalui ceramah interaktif, demonstrasi langsung ciri-ciri uang asli, serta evaluasi menggunakan tes pra dan pasca kegiatan. Materi difokuskan pada pengenalan ciri fisik uang asli, meliputi tanda air, benang pengaman, tinta berubah warna, dan tekstur uang. Hasil kegiatan menunjukkan adanya peningkatan signifikan dalam pemahaman siswa terkait identifikasi uang asli serta meningkatnya kepercayaan diri siswa dalam menghindari uang palsu. Kegiatan ini membuktikan bahwa literasi keamanan uang pada tingkat pendidikan dasar efektif sebagai upaya preventif terhadap risiko peredaran uang palsu. Program ini diharapkan dapat menjadi model edukasi keuangan dasar yang berkelanjutan dalam membangun kesadaran finansial sejak usia dini. The circulation of counterfeit money poses a serious threat to society, including vulnerable groups such as elementary school students. Limited knowledge of money security features makes students unable to distinguish between genuine and counterfeit currency, particularly in rural areas. This community service activity aimed to improve students’ understanding of money security through the implementation of a Money Security Literacy Program at SD 14 Labuah. The program employed an educative and participatory approach, including interactive lectures, direct demonstrations of genuine currency features, and pre- and post-tests to evaluate students’ comprehension. The materials focused on identifying the physical characteristics of genuine banknotes, such as watermarks, security threads, color-shifting ink, and tactile textures. The results indicated a significant improvement in students’ ability to recognize authentic currency and increased confidence in avoiding counterfeit money. This activity demonstrates that money security literacy at the elementary education level is effective as a preventive measure against counterfeit currency circulation. The program is expected to serve as a sustainable model of basic financial education in fostering early financial awareness among children.
Optimalisasi Potensi Danau Melalui Budidaya Ikan Sistem Keramba Jaring Apung Berbasis Pemberdayaan Masyarakat Lokal Berkelanjutan Fito Patrio; Gestiarani Veronika; Rahmi
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Pemanfaatan potensi danau melalui budidaya ikan sistem Keramba Jaring Apung (KJA) merupakan kegiatan pengabdian kepada masyarakat yang bertujuan mendukung ketahanan pangan, meningkatkan perekonomian lokal, dan menjaga keberlanjutan ekosistem perairan. Kegiatan ini dilaksanakan במסגרת program Kuliah Kerja Nyata (KKN) dengan pendekatan partisipatif yang melibatkan observasi lapangan, pendampingan masyarakat, serta kegiatan pelatihan. Danau yang digunakan memiliki kondisi ekologis yang mendukung, seperti kedalaman, sirkulasi air, dan kualitas air yang sesuai untuk budidaya ikan. Jenis ikan nila dan ikan mas dipilih karena memiliki daya adaptasi yang baik serta permintaan pasar yang tinggi. Sistem KJA memberikan keuntungan berupa efisiensi pemanfaatan perairan, kemudahan pengelolaan, dan proses panen yang lebih praktis. Partisipasi aktif masyarakat melalui pembentukan kelompok pembudidaya ikan menjadi faktor penting keberhasilan program. Tantangan yang dihadapi meliputi kondisi cuaca, risiko penyakit ikan, dan keterbatasan literasi teknologi. Upaya penanganan dilakukan melalui pengelolaan limbah, pengaturan kepadatan tebar, rotasi panen, dan penerapan teknologi sederhana. Hasil kegiatan menunjukkan bahwa budidaya ikan sistem KJA mampu meningkatkan pendapatan masyarakat sekaligus menjaga kelestarian danau secara berkelanjutan. The utilization of lake potential through floating net cage (Keramba Jaring Apung/KJA) fish farming is a community-based initiative aimed at supporting food security, strengthening the local economy, and maintaining aquatic ecosystem sustainability. This community service activity was implemented as part of a student Community Service Program (KKN) using a participatory approach involving direct observation, community engagement, and training activities. The selected lake exhibited suitable ecological conditions, including adequate water depth, circulation, and water quality to support aquaculture. Tilapia and carp were chosen due to their adaptability and market demand. The KJA system provides advantages such as efficient use of water space, controlled cultivation environments, and easier harvesting. Community participation through capacity-building activities and the formation of fish farmer groups played a crucial role in program success. Challenges encountered included weather variability, fish disease risks, and limited technological literacy. These challenges were addressed through proper waste management, regulation of stocking density, harvest rotation, and basic technology integration. The results demonstrate that KJA-based aquaculture can increase community income while preserving lake ecosystems, making it a sustainable and environmentally responsible model for local aquaculture development
Implementasi Kebiasaan Menabung Dalam Membentuk Karakter Tanggung Jawab Siswa Sekolah Dasar Negeri 17 Bukik Malintang Melia Mutiara Putri; Lena Sastri
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Pembentukan karakter tanggung jawab merupakan aspek penting dalam pendidikan dasar yang perlu ditanamkan sejak dini melalui kegiatan yang bersifat aplikatif. Salah satu upaya yang relevan adalah pembiasaan menabung sebagai sarana edukasi pengelolaan keuangan sederhana bagi siswa. Artikel pengabdian ini bertujuan untuk mendeskripsikan implementasi program sosialisasi kebiasaan menabung dalam membentuk karakter tanggung jawab siswa di SD Negeri 17 Bukik Malintang yang dilaksanakan oleh mahasiswa Kuliah Kerja Nyata (KKN) Jurusan Perbankan Syariah. Metode yang digunakan adalah deskriptif kualitatif dengan pendekatan service learning, yang mengintegrasikan pembelajaran akademik dan pengabdian kepada masyarakat. Teknik pengumpulan data meliputi observasi partisipatif, wawancara dengan guru dan kepala sekolah, serta dokumentasi kegiatan. Hasil kegiatan menunjukkan bahwa program pembiasaan menabung mampu meningkatkan kesadaran siswa dalam mengelola uang saku secara lebih bertanggung jawab, disiplin, dan terencana. Selain itu, kegiatan ini berperan sebagai media internalisasi nilai-nilai keuangan Islam, seperti amanah, hemat, dan menghindari perilaku tabdzir. Dengan demikian, program sosialisasi kebiasaan menabung terbukti memberikan kontribusi positif dalam membentuk karakter tanggung jawab siswa sekolah dasar secara berkelanjutan. The formation of responsible character is an essential aspect of primary education that should be instilled from an early age through practical and applicable activities. One relevant effort is the habituation of saving as a means of simple financial management education for students. This community service article aims to describe the implementation of a saving habit socialization program in shaping students’ sense of responsibility at SD Negeri 17 Bukik Malintang, conducted by students participating in the Community Service Program (KKN) from the Islamic Banking Department. The method employed was a descriptive qualitative approach using a service-learning framework, which integrates academic learning with community engagement. Data were collected through participatory observation, interviews with teachers and the school principal, and documentation of activities. The results indicate that the saving habit program enhanced students’ awareness in managing their pocket money in a more responsible, disciplined, and planned manner. Furthermore, the program served as a medium for internalizing Islamic financial values such as trustworthiness (amanah), frugality, and avoidance of wasteful behavior (tabdzir). Thus, the saving habit socialization program has proven to make a positive contribution to the sustainable development of responsible character among elementary school students.
Pemberdayaan Remaja Melalui Literasi Keuangan dalam Menumbuhkan Kebiasaan Menabung di Jorong Anak Air Kasing Amalia Shabrina; Firdaus Annas
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Remaja saat ini menunjukkan kecendrungan pola konsumtif yang tinggi dan kurang memiliki kesadaran dalam mengelola keuangan secara bijak. Kegiatan ini bertujuan untuk meningkatkan literasi keuangan sekaligus membentuk kebiasaan menabung sebagai upaya awal mengurangi perilaku konsumtif. Metode yang digunakan adalah participatory action reseach (PAR) melalui pemberian edukasi, diskusi interaktif, pembuatan celengan mandiri, serta menyusun rencana tabungan pribadi. Hasil kegiatan menunjukkan adanya peningkatan pemahaman terhadap kebutuhan dan keinginan, pentingnya menabung dan kemampuan dalam mengelola keuangan pribadi. Temuan menunjukkan bahwa keterlibatan aktif dalam kegiatan mendorong kesadaran finansial yang lebih baik. Kontribusi kegiatan ini terletak pada pembentukan kebiasaan finansial positif sejak dini melalui pendekatan aplikatif. Kegiatan ini diharapkan mampu berkontribusi dalam meningkatkan kesadaran masyarakat mengenai pentingnya literasi keuangan bagi remaja. Today's teenagers exhibit a high trend of consumptive patterns and a lack of awareness in managing finances wisely. This activity aims to enhance financial literacy while also establishing saving habits as an initial effort to reduce consumptive behavior. The method used is participatory action research (PAR) through education, interactive discussions, creating self-made piggy banks, and developing personal savings plans. The results of the activity show an improvement in understanding needs and wants, the importance of saving, and the ability to manage personal finances. Findings indicate that active involvement in activities promotes better financial awareness. The contribution of this activity lies in fostering positive financial habits from an early age through an applicative approach. This activity can serve as an effective empowerment strategy in building healthy economic behavior among teenagers.

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