Peningkatan Literasi Keuangan Siswa Sekolah Dasar di Malaysia melalui Program Internasional Berbasis Komunitas

Abstract

Financial literacy education from an early age plays a crucial role in developing wise financial management behavior and reducing consumer tendencies in children in the digital age. Through an international community service program initiated by the Indonesian Multidisciplinary Lecturers Community (KDMI), this cross-border community service activity aims to improve students' understanding and basic financial skills at the iMusleh Islamic Elementary School in Melaka, Malaysia. The activity lasted 100 minutes, using a qualitative descriptive approach through participatory learning methods combined with educational games. The uniqueness of this program lies in the integration of financial literacy with Islamic values ​​through questions and answers, discussions, and pocket money management simulations. Evaluation of the activity was conducted through an action-based assessment, which included observing student behavior during the simulation, the accuracy of verbal responses, and participant reflections without the use of formal questionnaires. The implementation results showed that students were increasingly able to differentiate between needs and wants when using their pocket money. This understanding was evident in the participants' ability to prioritize spending and their increased awareness of saving and giving alms. In addition to providing benefits to participants, this activity also strengthened the international academic collaboration network in supporting the development of character education and financial literacy based on Islamic values ​​in elementary schools.