Edukasi Mental Accounting Remaja Berbasis Simulasi Anggaran Saint John’s School, Meruya
DOI:
https://doi.org/10.70609/i-com.v6i2.9554Keywords:
literasi keuangan, financial education, remaja, emotional budgetingAbstract
Kurangnya pemahaman akan prinsip keuangan sejak usia dini akan berdampak pada perilaku keuangankarena mereka gagal membedakan kebutuhan dan keinginan. Kegiatan pengabdian bertujuan mengedukasi akan pentingnya mental accounting dengan respon emosional dalam pengambilan keputusan keuangan remaja yang dilakukan melalui simulasi anggaran berbasis EMO-Budget Challenge. Pelaksanaan dilakukan pada siswa di Saint John’s School Meruya dengan metode action learning yang menggabungkan pembelajaran konseptual dan praktik. Data dikumpulkan melalui pre-test, post-test, lembar kerja, dan dokumentasi, serta dianalisis menggunakan pendekatan deskriptif kualitatif dan analisis tematik. Evaluasi hasil menunjukkan bahwa siswa memiliki struktur mental accounting awal yang tercermin dalam pola alokasi anggaran. Dalam kondisi tekanan, siswa cenderung memprioritaskan kebutuhan dan menjadikan tabungan sebagai buffer psikologis. Ditemukan empat pola perilaku, yaitu strategi adaptif, impulsif, keteguhan alokasi, dan kesadaran finansial. Selain itu, terlihat adanya delay of gratification dan hasil pengabdian menunjukkan bahwa pendekatan emosional dan eksperiensial efektif dalam meningkatkan literasi dan ketahanan finansial remaja.
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