Edukasi Literasi Keuangan melalui Pencatatan Jurnal Umum untuk Pengelolaan Uang Saku Berbasis Syariah Siswa SMPN 1 Karanganyar

Abstract

This community service activity, conducted at SMP Negeri 1 Karanganyar on May 23, 2026, aimed to improve 8th-grade students' financial literacy. Involving 29 students, the program focused on practical pocket money management using simple general journals and integrating Islamic values into daily consumption habits. Methods included education, interactive discussion, and hands-on practice in recording daily income and expenses. The evaluation results demonstrated a significant increase in students' understanding and skills across all evaluated aspects. Notably, comprehension of the importance of saving increased from 35.7% before the activity to 89.3% after. Students' ability to manage pocket money effectively rose from 28.6% to 85.7%, and their capability to differentiate between needs and wants grew from 32.1% to 92.9%. Furthermore, knowledge of Islamic accounting principles surged from 0% to 82.1%, while understanding of basic debit and credit concepts improved from 0% to 85.7%. These findings indicate that integrating simple financial recording practices with Islamic values successfully enhances early financial literacy, fostering more responsible and disciplined financial behaviors among junior high school students.