Financial Literacy and Personal Financial Management among Vocational High School Students: An Educational Program at SMK Budhi Warman II Jakarta

Abstract

The low level of financial literacy among the younger generation poses a challenge in shaping healthy financial behavior, especially for vocational high school (SMK) students who are prepared to enter the workforce. This community service activity aims to improve students' understanding of financial literacy, personal financial management, saving habits, as well as the risks of consumptive behavior and the use of digital financial services. The activity was conducted at SMK Budhi Warman II Jakarta, targeting grade XII students of the Accounting and Institutional Finance Expertise Program. The methods used included interactive lectures, discussions, case studies, and practical exercises in simple budgeting and daily financial recording. Evaluation was carried out using a participant satisfaction questionnaire. The results showed that 95% of participants gave a positive response to the activity. These results indicate that practice-based financial literacy education is able to provide students with an understanding and awareness of the importance of financial management from an early age. This program is recommended to be implemented sustainably as part of strengthening the competencies of vocational high school students in facing the world of work.