Membangun Generasi Cerdas Finansial: Peningkatan Literasi Keuangan dan Kesadaran Risiko bagi Siswa SMA Negeri 1 Majene
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Abstract
“Building a Financially Intelligent Generation”
initiative. The activity was conducted at SMAN 1 Majene, involving 24 students and one supervising teacher. The training employed a participatory and interactive learning approach, integrating lectures, group discussions, and financial planning simulations using personalized budgeting worksheets. The effectiveness of the program was evaluated through a pre-test, post-test, and participant satisfaction questionnaire. The pre-test results indicated that students’ understanding of basic financial concepts was still limited, with an average score of 64.82%. After the training, post-test results showed a substantial improvement, with all participants achieving a perfect score (100%). The satisfaction survey revealed that most participants found the training highly relevant to their needs, providing new insights into financial management and risk handling in everyday life. This activity proved effective in fostering students’ awareness of the importance of financial planning, risk management, and saving habits from an early age. Moreover, the practice-based and simulation-driven learning approach successfully increased students’ motivation to apply financial literacy concepts in real-life decision-making. Hence, this program contributes to empowering young generations toward becoming financially intelligent, responsible, and risk-aware citizens.
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