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This community service activity aimed to foster financial literacy awareness and develop wise financial behavior from an early age through the “Early Saving Movement” socialization program for fifth-grade students of SDN Antasan Besar 7 Banjarmasin. The activity was conducted face-to-face using an interactive approach that included the delivery of educational materials, group discussions, question-and-answer sessions, simple simulations of money management, and the administration of pre- and post-activity questionnaires to measure changes in students’ knowledge and attitudes. The results of the analysis showed a significant increase in students’ motivation to save by 93% and an improvement in their understanding of the benefits of saving by 58%. These findings indicate that direct socialization methods accompanied by active student engagement are effective in enhancing elementary school students’ financial literacy and interest in simple and practical financial management. However, challenges were still found in controlling students’ consumptive behavior, which is influenced by the family environment and daily social interactions. Therefore, follow-up efforts are needed in the form of regular saving habit programs and the involvement of parents and teachers in supervising students’ financial behavior. Overall, this activity had a positive impact on shaping students’ discipline, responsibility, and financial independence from an early age.

The 2025 Independent Community Service Program (KKN) of the University of Muhammadiyah North Sumatra will be held in Dalu 10A Village, Tanjung Morawa District, Deli Serdang Regency. This activity aims to increase the understanding and concern of elementary school students for the environment through the natural literacy program. The educational approach is carried out through organic and inorganic waste introductions, recycling of used goods, and planting plant seeds in the school environment. In addition, students also carry out supporting activities such as financial management education, MSME promotion, and socialization of the importance of investment for students. To strengthen student understanding, the KKN team also prepared simple learning media in the form of posters and mini modules that make it easier for students to recognize the types of waste and simple steps to maintain cleanliness. The school is also involved through routine coordination to ensure the sustainability of the program after the KKN is completed. The results of the implementation show an increase in student awareness in maintaining school cleanliness, the emergence of environmentally caring behaviors, and the active involvement of the community and the school in maintaining the sustainability of the program. Overall, this KKN program has succeeded in fostering the value of social responsibility, ecological concern, and strengthening synergy between students, schools, and village communities in supporting a cleaner and more educational environment.

The 2025 Independent Community Service Program (KKN) of the University of Muhammadiyah North Sumatra was held in Dalu 10A Village, Tanjung Morawa District, Deli Serdang Regency. This activity aims to increase elementary school students' understanding and awareness of the environment through a nature literacy program. An educational approach was carried out through activities introducing organic and inorganic waste, recycling used goods, and planting seedlings in the school environment. In addition, students also carried out supporting activities such as financial management education, MSME promotion, and socialization of the importance of investment for students. The implementation results showed an increase in student awareness in maintaining school cleanliness, the emergence of environmentally conscious behavior, and active involvement of the community and school in maintaining the sustainability of the program. This KKN program successfully fostered values of social responsibility and ecological awareness among students and strengthened the synergy between students, schools, and the village community.

This study aims to determine the effect of economic literacy and lifestyle on the consumptive behavior of 2021 cohort students in the Economics Education Department, Faculty of Economics and Business, State University of Gorontalo. This research is motivated by the increasing tendency of consumptive behavior among students, which is influenced by easy access to information and modern lifestyles. The type of research used is quantitative research with primary data sources obtained through questionnaires distributed to 35 respondents. The data analysis technique uses multiple linear regression with the help of statistical software. The results show that the variables of economic literacy and lifestyle simultaneously have a significant effect on students' consumptive behavior. The contribution of these two variables is 0.406 or 40.6%, while the remaining 59.4% is influenced by other factors outside this research model.These findings are expected to serve as a consideration for students to be wiser in managing their finances and forming a rational lifestyle, as well as to increase awareness of the importance of personal financial planning for a more stable and sustainable future well-being in today's modern social and economic environment.

This study aims to analyze the spending patterns of students at the Faculty of Islamic Economics and Business (FEBI), State Islamic University of North Sumatra (UINSU), and to examine the implementation of personal financial planning in their daily lives. This research employs a qualitative approach using a case study method. Data were collected through in-depth interviews with 40 students from various departments and semesters, selected purposively. The findings indicate that most students have high expenditures on consumption needs such as food and internet access, as well as lifestyle expenses like online shopping and entertainment. The majority do not regularly prepare a financial budget, rarely record their expenses, and exhibit impulsive spending behavior influenced by social pressure and digital media. Although students possess theoretical knowledge of Islamic economic values, their practical application in financial management remains limited. This study recommends the need for more practical, Islam-based financial literacy programs within the FEBI UINSU environment. Financial training and mentoring programs are considered essential to enhance students' financial awareness and independence.