Edukasi Literasi Keuangan bagi Siswa Sekolah Dasar sebagai Upaya Meningkatkan Kesadaran Mengelola Keuangan Sejak Dini: Studi Kasus: MIS Timbang Lawan Dusun 7

Nurhani Syasalbilah; Witri Shintia Amanda; Syifa Athaya; Zulham  Zulham

doi:10.61132/santri.v4i5.2708

Authors

Nurhani Syasalbilah Universitas Islam Negeri Sumatera Utara
Witri Shintia Amanda Universitas Islam Negeri Sumatera Utara
Syifa Athaya Universitas Islam Negeri Sumatera Utara
Zulham Zulham Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.61132/santri.v4i5.2708

Keywords:

Allowance, Elementary School Students, Financial Education, Financial Literacy, Saving

Abstract

Financial literacy should be introduced as early as elementary school so that students develop a basic understanding of how to use and manage money wisely. This activity aims to enhance the knowledge and awareness of MIS Timbang Lawan students regarding money management from an early age, particularly in using their allowance wisely, distinguishing between needs and wants, and developing the habit of saving. The activity was conducted using a qualitative descriptive method as part of the Community Service Program (KKN) at MIS Timbang Lawan, Hamlet 7, Timbang Lawan Village, Bahorok Subdistrict, Langkat Regency, on August 11, 2026. A total of 100 fourth- and sixth-grade students participated in the activity. The education was delivered through PowerPoint presentations, an “Ayo Nabung” icebreaker, games, and a question-and-answer session. Evaluation was conducted descriptively by observing student responses and asking simple questions about the material presented. The results showed that students were enthusiastic about participating in the activity and found it easier to understand the material regarding the difference between needs and wants. Meanwhile, their understanding of the benefits of saving, where to save, and how to apply saving practices to their allowance varied. Thus, financial literacy education using simple, concrete, and interactive materials can serve as one approach to introducing financial management to elementary school students from an early age.

Downloads

Download data is not yet available.

References

Adinugraha, H. H., Thoha, I. B., Widodo, H. K., Hamdi, M., & Nasaruddin, R. B. (2022). Learning financial literacy through savings activities in Islamic elementary schools: Empirical evidence at Islamic elementary school. Journal of Elementary Educational Research, 2(2), 54–70. https://doi.org/10.30984/jeer.v2i2.317

Arliyanti, S. P., Yasa, A. T., Astuti, R. F., Rahayu, V. P., Mustangin, M., Permatasari, I., & Abu, I. (2026). Gerakan literasi keuangan: Penyuluhan pentingnya menabung sejak dini bagi anak sekolah dasar di SDN 021 Samarinda Ulu. Darma Diksani: Jurnal Pengabdian Ilmu Pendidikan, Sosial, dan Humaniora, 6(2), 106–114. https://doi.org/10.29303/darmadiksani.v6i2.9965

Damanik, D., Erfiyana, N., Simanjuntak, R., Simanjuntak, M., Tarigan, H. E., Evi, P. A. M., & Marbun, R. (2023). Sosialisasi Literasi Keuangan dan CBP Rupiah Bagi Siswa Sekolah Dasar di Kabupaten Simalungun. Jurnal Pengabdian Masyarakat Sapangambei Manoktok Hitei, 3(1), 49–54. https://doi.org/https://doi.org/10.36985/324tq666

Darmansyah, A., Susanti, A., & Rahman, A. A. (2023). Pengembangan modul ajar berbasis Problem Based Learning untuk meningkatkan literasi finansial siswa sekolah dasar. Jurnal Basicedu, 7(6). https://doi.org/10.31004/basicedu.v7i6.6349

Djoko, S. (2024). Problematika pembelajaran literasi keuangan di SD dan solusi pemecahannya. Jurnal Pelita PAUD, 8(2), 586–592. https://doi.org/10.33222/pelitapaud.v8i2.4009

Hafitah, S. Y., & Sakti, A. W. (2022). Introducing of financial literacy in shaping saving behavior in elementary school students. Indonesian Journal of Multidisciplinary Research, 2(1), 57–62. https://doi.org/10.17509/ijomr.v2i1.38625

Harahap, A. P. A., Asnawi, Rosuli, F. A., & Hadijaya, Y. (2026). Sosialisasi literasi keuangan anak usia dini melalui program edukasi “Ayo Menabung” bersama SDN 048473 Desa Ndesakti. BUDIMAS: Jurnal Pengabdian Masyarakat, 8(1). https://doi.org/10.29040/budimas.v8i1.19190

Ilyana, S., & Sari, R. C. (2016). Pengembangan komik edukasi sebagai media pembelajaran literasi keuangan untuk siswa sekolah dasar. Jurnal Pendidikan Akuntansi Indonesia, 13(2), 58–70. https://doi.org/10.21831/jpai.v13i2.10309

Jf, N. Z., Amalia, A., Anwar, W. S. A. K., & Rahman, A. (2025). Peningkatan Kesadaran dan Praktik Menabung: Edukasi Finansial Interaktif bagi Siswa Tingkat Dasar di Desa Besar II Terjun. Ihsan: Jurnal Pengabdian Masyarakat, 7(2), 344–350. https://doi.org/10.30596/ihsan.v7i1.23135

Kamanasa, L. S., Maulotal, M., Lolkary, H. N. E., Imkokmey, J., Matena, B., Bakker, J. tarisa, Suikeno, A. A., Kosaplawan, A. U., Tutupahar, A. W., Larwuy, W., Lukmetiabla, D. V., Makuku, Y., Leksair, F., Tetiwar, M. A., & Leklora, A. B. (2026). Peningkatan Literasi Keuangan Anak Melalui Kegiatan Edukasi Dan Simulasi Menabung di Sekolah Dasar di Desa Tomra. Jurnal Masyarakat Madani Indonesia, 5(1), 76–83. https://doi.org/https://doi.org/10.59025/6m3e8004

Keuangan, O. J., & Statistik, B. P. (2025). Survei Nasional Literasi dan Inklusi Keuangan Tahun 2025 Otoritas Jasa Keuangan dan Badan Pusat Statistik (O. J. Keuangan & B. P. Statistik (eds.); 2025th ed.).

Khoiriah, N., Karolina, & Lukito, C. P. (2024). Literasi Keuangan Pada Siswa Sekolah Dasar Muhammadiyah Cinangka Kota Depok, Jawa Barat. Jurnal Masyarakat Madani Indonesia, 3(2), 205–210. https://doi.org/https://doi.org/10.59025/js.v3i2.223

Sidiq, M. F., Nurmeta, I. K., & Maula, L. H. (2023). Model Experiental Learning Dalam Meningkatkan Pemahaman Literasi Finansial Siswa Sekolah Dasar. Jurnal Educatio, 9(4), 1631–1637. https://doi.org/10.31949/educatio.v9i4.5482

Sumarni, M. L., Usman, & Jewarut, S. (2023). Literasi Keuangan Melalui Pembuatan Media Edukatif di Sekolah Dasar. Communnity Development Journal, 4(4), 9383–9386. https://doi.org/https://doi.org/10.31004/cdj.v4i4.20506

Yuliastanti, S., Nazif, H., Zumiarti, Surya, R., Sunreni, Begawati, N., Juliyus, F. A. F., Saputra, Y., & Nanda. (2025). Pemberdayaan Literasi Keuangan dan Pentingnya Menabung bagi Siswa di SDN 02 Pampangan. MEJUAJUA: Jurnal Pengabdian Kepada Masyarakat ABDIMAS, 5(261), 261–266. https://doi.org/https://doi.org/10.52622/mejuajuajabdimas.v5i2.283