Strengthening Financial Planning Competence Among Senior High School Students Through a Participatory School-Based Educational Intervention

Irna Maya Sari; Muchamad Rizky Fauzi; Siti Agistriyani; Dhea Putri Anggraeni

doi:10.32815/jpm.v7i1.2985

Authors

Irna Maya Sari Universitas Pamulang
Muchamad Rizky Fauzi Universitas Pamulang
Siti Agistriyani Universitas Pamulang
Dhea Putri Anggraeni Universitas Pamulang

DOI:

https://doi.org/10.32815/jpm.v7i1.2985

Keywords:

Financial literacy, Financial planning, Senior high school students, Community service, Economic uncertainty

Abstract

Purpose: This community service program aims to strengthen financial planning competence among students of SMAN 2 Krakatau Steel, Cilegon, in response to persistently low financial literacy levels among senior high school students. The program specifically targets students from an industrial-zone school serving diverse socioeconomic backgrounds, where a baseline needs assessment revealed limited budgeting habits and high susceptibility to impulsive spending driven by digital wallet adoption.

Method: The program was conducted on April 23, 2026, involving 50 students from grades 10 and 11 majoring in Social Sciences (IPS), through five sequential stages: basic financial literacy education, practical financial planning training, digital media implementation, responsible financial behaviour campaign, and mentoring and monitoring. Evaluation was conducted using pre-test and post-test instruments. Participants were selected based on curriculum relevance and school readiness. The 30% improvement threshold was established based on prior Indonesian community service benchmarks (Muthia et al., 2023; Arifin et al., 2025). Ethical considerations including participant awareness and institutional coordination were observed throughout.

Practical Applications: The program produced an average 38.4% improvement in financial literacy scores, a financial education module, a digital financial recording template, and the formation of student financial literacy agents capable of continuing peer education. It is important to note that these gains reflect short-term knowledge and skill improvements; sustained behavioral change requires longitudinal follow-up, which is scheduled six months post-intervention.

Conclusion: This program significantly and measurably improved students' financial knowledge, skills, and attitudes. The integrative approach, combining theory, hands-on practice, and digital media, proved effective. Findings should be interpreted with caution given the single-day format and absence of a control group. The program contributes a replicable school-based model for financial literacy interventions in industrial-area contexts.

References

Arifin, M., Dewi, R. S., Arfan, B., Lia, R., & Septiani, V. R. (2025). Budgeting Dan Penggunaan Aplikasi Financial Teknologi. Multidisiplin Pengabdian Kepada Masyarakat, 4(01), 21–25.

Fadli, J. A., Indradewa, R., & Yudistria, Y. (2024). Measuring the Level of Digital Financial Literacy Among Generation Y and Z in Indonesia. Jurnal Ilmiah Manajemen Kesatuan, 12(5), 1911–1918. https://doi.org/10.37641/jimkes.v12i5.2813

Gabay, P. J. V., Bagsic, A. E. G., Beri, J. C. E., Lauresta, C. J., & Vetuz, M. M. (2024). Financial Literacy Among the Senior High School Students: Basis for Financial Stewardship Plan. International Journal of Advanced Engineering, Management and Science, 10(3), 01–12. https://doi.org/10.22161/ijaems.103.1

Kaiser, T., & Menkhoff, L. (2020). Financial education in schools: A meta-analysis of experimental studies. Economics of Education Review, 78, 101930. https://doi.org/10.1016/j.econedurev.2019.101930

Kapoor, J. R., Dlabay, L. R., Hughes, R. J., & Hart, M. M. (1996). Personal Finance. Financial Services Review, 5(2), 119–131. https://doi.org/10.1016/S1057-0810(96)90005-0

Lusardi, A., Hasler, A., & Yakoboski, P. J. (2021). Building up financial literacy and financial resilience. Mind and Society, 20(2), 181–187. https://doi.org/10.1007/s11299-020-00246-0

Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5

Muthia, F., Novriansa, A., & Aryanto, A. (2023). Peningkatan Literasi Keuangan pada Siswa SMA Melalui Edukasi Keuangan. Jurnal ABDINUS : Jurnal Pengabdian Nusantara, 7(3), 778–784. https://doi.org/10.29407/ja.v7i3.18087

OECD. (2022). Infe Toolkit for Measuring Financial Literacy and Financial Inclution. In OECD publishing (Issue May). chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://www.oecd.org/financial/education/2022-INFE-Toolkit-Measuring-Finlit-Financial-Inclusion.pdf

OJK. (2024). Survei Nasional Literasi dan Inklusi Keuangan 2024. In Survey Report (pp. 1–26). www.ojk.go.id

Sayekti, P. I., Markhamah, & Laili Etika Rahmawati. (2025). Penerapan Literasi Finansial pada Siswa Sekolah Dasar dan Dampaknya terhadap Keterampilan Berwiraswasta. Didaktika: Jurnal Kependidikan, 14(3), 5677–5690. https://doi.org/10.58230/27454312.2511

Sujud, F. A., & Setiaji, K. (2020). Determinan Tingkat Literasi Keuangan Siswa Sekolah Menengah (Studi Komparatif Indonesia dan Vietnam). Journal of Economic Education and Entrepreneurship Studies, 1(1), 1–15. https://doi.org/10.26858/je3s.v1i1.38

Sukmawati, S., Asriany, A., & Ramadhan, A. (2025). The Effect of E-Wallet Application Use and Financial Literacy on Students’ Financial Management. Journal of Applied Business, Taxation and Economics Research, 5(1), 75–84. https://doi.org/10.54408/jabter.v5i1.457

Tarigan, T. M., Prasetyo, C. Y., Setiabudi, A. W., & Joseph, K. O. (2026). Integrasi Literasi Keuangan dalam Pendidikan Menengah: Studi Kasus pada Siswa SMA Pangudi Luhur Kelas X. PengabdianMu: Jurnal Ilmiah Pengabdian Kepada Masyarakat, 11(Suppl-1), S188–S193. https://doi.org/10.33084/pengabdianmu.v11iSuppl-1.11100