Optimization of Savings (Tawfir) Through Encouraging a Savings Habit

Abstract

This study was conducted with the aim of instilling financial awareness and forming saving habits from an early age through socialization and practical activities at SDN Patalan 2. The background of this study stems from the low level of students' understanding of personal financial management, where most tend to spend their pocket money without planning. The research method used was qualitative with a case study approach on 30 fifth and sixth grade students. Data collection techniques included observation, interviews, and documentation, which were then analyzed descriptively. The program was carried out in four stages: planning, implementation, observation, and reflection. The results of the study show positive developments in students' financial habits; they began to set aside pocket money for savings and were able to plan the use of their savings better. The main obstacles stemmed from students' limited understanding and their families' economic conditions. In this case, teachers played a central role as motivators, mentors, and integrators of financial literacy into learning. Overall, the savings habit program through piggy banks proved to be effective in fostering thriftiness, discipline, and responsibility in students, while also serving as an important foundation for strengthening financial literacy from an early age.