Dari Uang Saku Menjadi Tabungan: Penguatan Literasi Keuangan Anak Melalui Program Gemar Menabung di MDA Dusun I Desa Bintang Mersada

Abstract

Allowance is often perceived merely as a means for children's daily consumption, whereas it holds significant potential as a tool for early financial education and character building. This study aims to analyze the strengthening of children's financial literacy through the implementation of the "Love Saving" (Gemar Menabung) Program at Madrasah Diniyah Awaliyah (MDA) Dusun I, Bintang Mersada Village. A qualitative approach with observational methods was employed in this research. The research subjects consisted of students, MDA teachers/administrators, and student community service (KKN) participants as program facilitators. Data were gathered through participatory observation, field notes, and activity documentation, followed by data reduction, data display, and conclusion drawing using data triangulation. The findings reveal that an interactive and communicative educational approach integrated with religious-moral values (such as discipline, trust, and simplicity) significantly enhanced children's ability to distinguish between needs and wants. The application of personal piggy banks and concrete savings planning simulations successfully fostered enthusiasm and the habit of setting aside allowance money consistently. The program proved effective in shifting children's mindset from spontaneous consumption to planned and responsible financial management. The implications of this study highlight the necessity of continuous synergy and guidance from both teachers and parents to sustain saving habits as a long-term practice.