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This study exaimines whether today’s youth represent a “saving generation” or a “forced generation” in respondingto rising inflation.the increasing cost of living has significantly affected young people’s consumption patterns,financial planning,and lifestyle choices.this researchaims to analyze how inflation influences the economic behavior of young people and to identify whether their frugality is driven by financial awereness or economic pressure.the study employs a qualitative descrective approach,using interviews and literature analysis to explore the experience of young individuals in managing their finances amid economic uncertainty.the findings indicate that although some young people demosntrate improved financial literacy and budgeting skills,many are compelled to reduce concumption,postpone personal goals,and limit social activities due to limited income and rising prices.Inflation has reshaped priorites,encouraging survival-oriented financial strategies rather than long-term wealth planning.the study concludes that the current generation reflects a combination of both conscious constraint.therefore,policy interventions,financial educations programs,and employment opportunities are essential to strengthen youth economic resilience.the implications of supporting young people in  developing sustainable financial habits while addressing structural economic challenges that influence their financial stability.

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.

This study aims to examine the use of piggy banks as a means of financial literacy education among elementary school students. Piggy piggy banks are seen as a simple but effective learning medium in instilling the habit of saving, managing money, and forming a frugal character from an early age. Through a qualitative descriptive approach, this research involves students, teachers, and parents as the main data source with interview and observation techniques. The results of the study show that the use of piggy banks not only increases children's understanding of the concept of money and economic value, but also fosters financial responsibility and awareness from an early age. Teachers play an important role in providing direction and assistance, while the role of parents is a reinforcement of the practice of saving at home. In addition, saving through piggy banks has been proven to increase motivation to learn, because children feel that they have financial goals that they want to achieve. Education through piggy banks is the first step in building a strong financial literacy foundation, so that children are used to planning their money wisely and consistently. Thus, piggy banks can be used as effective contextual learning innovations at the elementary school level.

This community service activity was carried out at SDN 003 Tarakan with the aim of instilling character values in grade 5 students, especially the values of caring for others, living frugally, and preserving local traditions. This program is designed as an effort to strengthen character education through an interactive, fun, and relevant approach to students' daily lives. The implementation method includes delivering material through interactive presentations, group discussions, and educational games designed to encourage active participation and contextual understanding. The results of the activity showed the high enthusiasm of the students, as seen from their involvement in the question and answer session, the activeness of participating in mini games, and the ability to connect the material with personal experiences. In addition, students show increased awareness of the importance of caring, frugal behavior, and love for local traditions. This activity not only provides conceptual understanding, but also encourages students to apply character values in real actions in the school and home environment. Overall, this service program contributes to the formation of a young generation that cares, is independent, and has a commitment to the preservation of local culture.

This community service program was held at SD Negeri 102028 Dusun II Sei Parit, Sei Rampah District, Serdang Bedagai Regency, with a focus on applying the principles of sharia economic justice. This goal is achieved through education about the prohibition of usury and savings initiatives from an early age. This activity was motivated by the lack of Islamic financial literacy among children, especially related to the risk of usury and the urgency of frugal behavior and financial responsibility. The method chosen is a participatory-educational approach, which includes socialization, simulation and habituation, prioritizing the active involvement of students. The activity is divided into two main phases, namely usury education and saving education, utilizing animated films, educational games and picture stories. The impact of this service shows an increase in students' insight into the concept of riba, discipline in frugality, and the growth of awareness to manage money wisely according to Islamic guidance. Children are now beginning to understand that money is a mandate that must be used correctly and halal. In addition, this program also encourages the formation of the character of responsibility, trust and justice in the participants. Therefore, this program makes a significant contribution in building a children's mentality based on the principles of sharia economic justice and is worthy of being used as a prototype of Islamic financial education at the elementary school level.

The findings of this study reveal that the GoFood advertisement titled “Breaking News” and the GrabFood advertisement “Hematematika” serve not only as promotional tools but also as media that shape consumer mindsets and behavior. Both advertisements strategically employ language, narrative, and structure to highlight the ideas of efficiency and modernity, which align with the demands of contemporary digital society. The GoFood advertisement presents a serious narrative that emphasizes economic issues, while GrabFood adopts a humorous approach and wordplay to establish a lighter and more entertaining connection with the audience. This analysis was conducted using a descriptive qualitative approach by examining video advertisements on YouTube, with a particular focus on persuasive language and visual representation. In this sense, advertisements are understood not merely as marketing strategies, but as communicative practices embedded with ideology. Through the messages they convey, the ads promote values of efficiency, frugality, and modernity, which ultimately influence the construction of consumer identity and behavior. The study applies Norman Fairclough’s Critical Discourse Analysis framework, which consists of textual analysis, discursive practice, and socio-cultural context. This approach allows researchers to explore how language in advertisements contributes to the construction of social reality, communicates particular perspectives, and encourages audiences to respond actively.

This Community Service Program (KKN) was implemented as an effort to address the health and environmental risks associated with the use of chemical-based dishwashing soap. The program’s lack of knowledge and skills in making natural household products among women underpins the program’s implementation. The goal was to raise awareness and empower women through training in making environmentally friendly dishwashing soap. The program was conducted at the Women’s Witness Building and included outreach, demonstrations, hands-on practice, discussions, and the sharing of results. During the workshop, participants were taught how to make soap using simple ingredients such as baking soda, liquid soap, water, and the addition of glycerin, dyes, and fragrances. The results demonstrated high enthusiasm from the participants, reflected in their active involvement during the workshop and their understanding of the benefits of natural products. This activity not only improved the women’s skills but also encouraged a frugal, healthy, and environmentally conscious lifestyle.

This study discusses the phenomenon of increasing consumptive behavior among Muslim communities due to the influence of social media, technology, and e-commerce. This behavior is considered contrary to Islamic teachings that emphasize balance, simplicity, and social responsibility. Therefore, this research aims to formulate the concept of Islamic consumption that not only fulfills physical needs, but also considers spiritual values, ethics, and social justice. Using a qualitative approach through literature study, this research examines consumption principles in Islam such as halal-thayyib, maqāṣid al-syarī'ah, and ethical rationality as an alternative to conventional consumption that is materialistic. The results show that consumption in Islam is part of worship that includes spiritual, social, and environmental dimensions. Islamic consumption encourages frugal, selective, and responsible behavior, and strengthens social solidarity through zakat and alms. This research produces an integrated Islamic consumption framework that can serve as a guideline for Muslim consumers, policy makers, and da'wah institutions in building a more ethical, sustainable, and Islamic-compliant consumption lifestyle in the modern era.

Important Educational Activities for financial management in the form of saving from an Early Age aim to explain and offer an understanding of achieving goals while educating participants about the meaning of saving as financial management for Islamic boarding school children and the value of introducing money. From an early age, it is important to assess the knowledge, understanding, and thought processes of Islamic boarding school children about the importance of saving and living frugally. Thus, they want to better understand and equip themselves to be more disciplined in managing and controlling their money and using their resources wisely for various needs in the future.

KKN Mandiri is a real work lecture activity carried out by students individually. It aims to increase awareness and understanding of early childhood children about the importance of saving as a provision for the future. The activity was carried out in two schools, namely Nur Ilmi Kindergarten, Jaranguda Village and Muhammadiyah 01 Medan Mandala Islamic Senior High School. Through socialization and motivation to save, it is hoped that children can develop a habit of living frugally and being responsible in managing money from an early age. The methods used in this activity include lectures, discussions, questions and answers, and making creative piggy banks from recycled materials. This activity is designed to provide an understanding that is easily accepted by children with a fun and interactive approach. The results of this community service activity show an increase in students' understanding of the benefits of saving. Students become more enthusiastic in setting aside their pocket money to save, both in piggy banks and in the bank. Through making creative piggy banks, students gain direct experience in the practice of saving and feel motivated to continue this habit at home. In addition, the involvement of parents and teachers also strengthens the positive impact of the program, where they are expected to continue to support children in saving. The conclusion of this activity is that the socialization of saving in early childhood has a positive impact in raising awareness of the importance of saving. The creative approach taken has proven effective in motivating students to start saving. This program is expected to be a foundation for children in forming good financial habits in the future. Continuous support from schools and families will greatly assist in maintaining the sustainability of saving habits in children.

This research was conducted among the people of Suka Makmur Village, Muaro Jambi Regency, among whom work as farmers and traders. In the lean season, they still have to fulfill their daily needs, such as clothing, food and shelter. Apart from that, they also have to save and invest to meet future needs. This research aims to: (1) find out strategies for managing family finances in an Islamic way in creating a sakinah family. (2) knowing the supporting and inhibiting factors faced by the people of Suka Makmur Village, Muaro Jambi Regency in managing family finances in an Islamic manner in creating a sakinah family. This research uses a qualitative approach with the type of field research. Determining the research subjects was purposive and used data collection techniques through observation, interviews and documentation. The results of this research show that the Islamic family financial management strategy in creating a sakinah family in the Suka Makmur Village community, Muaro Jambi Regency has carried out financial planning such as managing family finances, savings, investment and zakat. Meanwhile, the supporting and inhibiting factors faced by the people of Suka Makmur Village, Muaro Jambi Regency in managing family finances in an Islamic manner in creating a sakinah family. Supporting factors are faced such as instilling mutual respect, providing support to your partner or family, and having a good personality such as being frugal. Meanwhile, factors such as wasteful nature, lack of communication, and economic problems.    

Considering that today's children mostly live with a consumerist attitude, it is necessary to provide education and introduction to the benefits of the value of money and manage finances by cultivating a frugal lifestyle and a love of saving from an early age. Educating them to avoid consumerist lifestyle behavior also aims to manage their own finances and can increase their comfort in the future. The main target of this activity is the community, especially children in Latta Village, Baguala District, Ambon City. This activity was attended by 25 children and 10 mothers in Latta Village. This activity program is implemented using the material presentation method. The main mission of socialization activities is to foster a frugal lifestyle, a hobby of saving from childhood for a more prosperous future, and children being able to differentiate between needs and wants.    

Consumerism has become a problem in many communities nowadays, especially among teenagers. Growing a culture of saving from an early stage can solve this problem.  Therefore, socialization with students about the importance of a culture of saving from an early age is essential to shape their behaviour to be more frugal and teach them to manage their finances. The socialization aims to educate students on the importance of saving early on and motivate them to set aside part of their income for savings. The result of the socialization is to grow students' enthusiasm for saving and increase knowledge about saving, such as the definition, the benefits, and the methods; it is highly expected that the seventh-grade students of SMP Negeri 8 Ambon can implement the saving habit in their lives.

Consumerism has become a problem in many communities nowadays, especially among teenagers. Growing a culture of saving from an early stage can solve this problem.  Therefore, socialization with students about the importance of a culture of saving from an early age is essential to shape their behaviour to be more frugal and teach them to manage their finances. The socialization aims to educate students on the importance of saving early on and motivate them to set aside part of their income for savings. The result of the socialization is to grow students' enthusiasm for saving and increase knowledge about saving, such as the definition, the benefits, and the methods; it is highly expected that the seventh-grade students of SMP Negeri 8 Ambon can implement the saving habit in their lives.

The purpose of this study was to describe the effectiveness of sentences in explanatory texts for class XI students of SMA Negeri 5 Sijunjung in terms of structural clarity, logical meaning, frugality of words, standardization of words, and spelling accuracy. This type of research is qualitative with descriptive method. The data in this study were sentences in the explanatory text of class XI students of SMA Negeri 5 Sijunjung, with a data source of 26 explanatory texts written by students of class XI SMA Negeri 5 Sijunjung. The data collection technique in this study is fishing technique. The results showed that of the 250 sentences used, only 79 sentences could be categorized as effective, while 171 sentences could not be categorized as effective. First, there are 271 ineffectiveness in terms of structural clarity. Second, the ineffectiveness in terms of logical meaning, there are 80 sentences. Third, the ineffectiveness of sentences in terms of word-saving, namely as many as 141 sentences. Fourth, the ineffectiveness of sentences in terms of word standardity, namely as many as 96 sentences. Fifth, sentence ineffectiveness in terms of spelling accuracy was found in 152 sentences.  

Consumer behavior in accordance with the provisions of the Qur'an and As-Sunnah will certainly lead to goodness, blessing and maslahah. The needs of every human being are not just to eat and drink, but also in terms of appearance. So based on this to find out more about how consumer behavior towards the purchase of fashion products. This study aims to determine the consumer behavior towards the purchase of fashion products on students. Then the consumption behavior of purchasing fashion products for IAIN Palangka Raya students and UPR students is viewed from the perspective of Islamic economics. This research is a field research using a qualitative approach and analyzed holistically. The subjects in this study were students consisting of 10 IAIN Palangka Raya students and 10 UPR students. Data collection techniques by observation, interviews and documentation. The results showed that of the students of IAIN Palangka Raya and UPR, there were 5 people who were extravagant because they always followed their passions and sought pleasure while the other 15 were frugal because they knew the limits of consumption and had also been accustomed from a young age not to be extravagant in their consumption. use property. Of the two differences are influenced by personality factors as well as social factors. An overview of Islamic economics on consumption behavior is that it does not apply extravagantly and excessively and does not apply dzalim, because Islamic economics has the main goal of seeking maslahah to achieve success and prosperity in life in this world and the hereafter.