Optimalisasi Literasi Keuangan Digital Melalui Pengenalan Inovasi Pembayaran QRIS: Studi Kasus Implementasi pada Siswa SMP Plus Rahmat

Abstract

This community service program aims to optimize the Digital Financial Literacy (DFL) of students at Rahmat Plus Middle School through the introduction of QRIS payment innovations. The digital literacy gap and low understanding of secure cashless transaction mechanisms are the main background of this activity. The method used is Participatory Learning and Action (PLA), involving 100 students in grades VI and VIII. The program implementation emphasizes experiential learning through interactive socialization, group discussions, and direct simulations of QRIS transactions in the school environment. Success is measured by comparing pre-test and post-test results. The evaluation results show a very significant increase in DFL in students. The average understanding score increased sharply from 38.3 before the intervention to 80.0 after the intervention. The highest increase occurred in the QRIS technical understanding indicator, proving the effectiveness of the applied practical method. This program successfully bridges the digital literacy gap, preparing teenagers to be able to make non-cash transactions wisely and responsibly. The implementation of PLA is an effective educational model to support the creation of a school ecosystem that is adaptive to financial technology.
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