Publication Search

Financial literacy is a fundamental skill that should be introduced from an early age to shape wise financial behavior. Elementary school students need to understand basic financial concepts to recognize the value of money, distinguish between needs and wants, and develop saving habits. However, many children still lack adequate financial literacy. This activity aims to improve financial literacy among elementary school students through a saving habituation strategy at SD Negeri 040530 Bunuraya, Bunuraya Village, Tigapanah District, Karo Regency, North Sumatra Province, Indonesia. The methods used included observation, teacher interviews, financial literacy socialization, and hands-on assistance in saving activities. The strategies implemented involved simple financial education, pocket money management simulations, creating piggy banks, and conducting regular saving programs at school. The results showed an improvement in students’ understanding of money functions, the importance of saving, and positive changes in financial behavior. Students became more accustomed to setting aside their pocket money and demonstrated more frugal and responsible attitudes. This activity indicates that consistent and structured saving habituation can be an effective strategy for improving children’s financial literacy from an early age.

Kalirungkut Village is an area located in Rungkut District, Surabaya City. The village has a variety of potentials that can be developed, especially the MSMEs sector as a leading potential. Based on village apparatus data, there are more than 50 MSMEs operating in the area. However, many Kalirungkut MSMEs are not well coordinated because there is no community as a forum. This has an effect on economic conditions, both for the MSMEs actors themselves and for the Kalirungkut Village. Thus, the purpose of the community service activity is to create a forum in the form of the Kalirungkut MSMEs Association which functions as a means to gather, foster, manage, and coordinate all MSMEs actors in the local village. The service method used is Participatory Rural Appraisal (PRA) which consists of three stages, namely selecting the association chairman, developing the association's management structure, as well as inaugurating and developing the association's operations. The results obtained from the service activities were the formation of the Kalirungkut MSMEs Association chaired by Ismudji Rahayuningsih and accompanied by four other administrators.