Penguatan Financial Survival Skills melalui Pemanfaatan Personal Finance Tracker Digital dalam Membangun Kemandirian Keuangan Generasi Muda

Desi Ratna Dewi; Dwi Utami; Arif Rahman Hasdik; Nurkholifah Burhanuddin; Nurul Emil Safitri

doi:10.61132/mengabdi.v4i5.2617

Authors

Desi Ratna Dewi Universitas Negeri Makassar
Dwi Utami Universitas Negeri Makassar
Arif Rahman Hasdik Universitas Negeri Makassar
Nurkholifah Burhanuddin Universitas Negeri Makassar
Nurul Emil Safitri Universitas Negeri Makassar

DOI:

https://doi.org/10.61132/mengabdi.v4i5.2617

Keywords:

Digital Financial Management, Financial Independence, Financial Survival Skills, Personal Finance Tracker, Youth Generation

Abstract

This community service activity aims to enhance financial survival skills and financial independence among the youth generation through applied financial literacy training and the utilization of a Microsoft Excel/Google Sheets-based Digital Personal Finance Tracker. Today's youth face rampant digital transactions that trigger impulsive spending and phantom spending without being accompanied by systematic personal financial management skills. The target partners consisted of 32 youth participants (aged 19–22). The implementation methodology followed five stages: (1) Preparation and coordination, (2) Pre-test & initial Financial Check-Up, (3) Interactive training on 4 Financial Survival Skills (Know, Manage, Track, and Plan Your Money), (4) Hands-on practice and mentoring in using the Digital Personal Finance Tracker, and (5) Post-test evaluation and tracker usability analysis. Results demonstrated a significant increase in participant knowledge and skills, where the average evaluation score increased from 42.50 (low category) on the pre-test to 88.20 (very high category) on the post-test, achieving an N-Gain value of 0.79 (high effectiveness). The usability evaluation of the Digital Personal Finance Tracker scored an average of 4.65 out of 5.00. This activity successfully transformed participants' daily expense tracking habits and fostered the creation of real data-driven monthly budgets.

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