BENIH MENABUNG: Financial Literacy for Grade 2 Students at SDN 010 Balikpapan Selatan

BENIH MENABUNG: Literasi Keuangan Siswa Kelas 2 di SDN 010 Balikpapan Selatan

Abstract

The low level of financial literacy among people with only a basic education highlights the need to strengthen financial literacy starting in elementary school. The “Seeds of Saving” program, titled “Learning to Set Aside Money and Care for the Environment from an Early Age,” aims to improve students’ understanding of the function of money, the difference between needs and wants, the benefits of saving, and the concept of reusing secondhand items, while also fostering the habit of saving from an early age among second-grade students at SDN 010 Balikpapan Selatan, Sepinggan Baru Village, Balikpapan City. The activity was conducted through the presentation of material using illustrated slides accompanied by an interactive question-and-answer session, followed by a hands-on activity decorating piggy banks made from recycled materials and filling out the “Savings Dream Card.” Understanding was assessed through pre-tests and post-tests administered to the students. The post-test results for 30 students showed that all students (100%) were able to answer correctly on the aspects of the function of money, needs, the concept of saving, and the use of allowance, while 93.3% of students answered correctly on the aspect of the purpose of saving, and 96.8% answered correctly on the aspect of reusing recycled materials. These results indicate a significant improvement in understanding compared to the initial condition, in which most students did not yet understand the function of money or the importance of saving. The program also produced concrete learning tools in the form of homemade piggy banks and savings tracking cards for a period of 14–21 days. It can be concluded that