Edukasi Literasi Keuangan dan Pencegahan Perilaku Konsumtif Siswa SMA Santa Agnes Surabaya

Abstract

Financial Literacy Education and Prevention of Consumptive Behavior for Santa Agnes High School Students in Surabaya. Financial literacy among adolescents remains an important concern amid the increasing influence of digital lifestyles and social media trends on spending behavior. This community service activity was carried out through a Service Learning program at SMA Santa Agnes with the aim of introducing students to wise financial decision-making and increasing awareness regarding consumptive behavior. The activity involved 36 tenth-grade students and was carried out through interactive presentations, discussions, quizzes, and simple simulations adjusted to students’ daily experiences. Materials presented included the importance of managing pocket money, distinguishing needs from wants, preparing simple financial plans, saving habits, and understanding the risks of impulsive buying. During the activity, students were encouraged to share their experiences in managing money and responding to social pressures related to consumption trends. Evaluation was conducted through direct observation of participation and students’ responses during discussions and quizzes. The results showed a 100% attendance rate, while 14 students, or 38.88% of the total participants, actively participated in the discussion and question-and-answer sessions. The quiz evaluation also indicated that the students were able to understand the material presented. Overall, this activity helped students understand the importance of setting financial priorities, recognize consumptive behavior, and develop greater awareness of managing money more wisely. The activity demonstrates that financial education connected to real-life situations is easier for adolescents to understand and can help foster more responsible financial habits.