Edukasi Membentuk Perilaku Bijak dalam Mengelola Keuangan di Era Digital

Abstract

Indonesia’s gap between its national financial inclusion index (85.10%) and financial literacy index (49.68%) leaves individuals, particularly youth, vulnerable to consumptive debt, illegal online lending, and investment fraud. This community service program educated 60 children and adolescents aged 10–18 at PKBM Rumah Pintar Punggur Cerdas, Pontianak, on wise digital financial management, covering strategies to avoid illegal loans, identify investment fraud, and construct digital budgets. Using an interactive workshop with financial risk simulations, age-differentiated instruction, and pre-test/post-test instruments, participants’ average digital financial literacy improved significantly from 40% to 89%. The greatest gains were in understanding the importance of financial management (45.00% to 93.33%) and digital financial literacy education exposure (33.33% to 90.00%). These results confirm that experiential learning effectively transforms impulsive financial behavior into deliberate, rational decision-making among youth.