SMART FINANCE SEBAGAI STRATEGI PEMBERDAYAAN LITERASI KEUANGAN BAGI GENERASI MUDA

Abstract

Financial literacy has become a crucial competency required by young generations in navigating increasingly dynamic global economic challenges. This community engagement program aims to strengthen the financial capability of youth through the implementation of the SMART Finance strategy, which stands for Set Goals, Manage Budget, Analyze Needs, Record Transactions, and Track Progress. This study employs a participatory community-based training model involving workshops, simulations, financial planning exercises, and digital financial tools. Results show that participants experienced significant improvements in financial knowledge, budgeting skills, understanding of savings and investment products, and digital financial behavior. The SMART Finance approach proves effective as a structured and practical learning method that empowers young individuals to make informed and responsible financial decisions.