Proceedings of the 5th International Conference on Education, Humanities, and Social Science - Japan Series (ICEHoS 2025)

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Fostering Financial Skills in Young Learners: A Pathway to Financial Independence

Authors
Indriani Maulidyaningsih1, Yashila Rahmah Az-zahra1, Yayu Rayaguni1, Utomo Utomo1, *
1Department of Elementary School Teacher Education, Nusa Putra University, Sukabumi, Indonesia
*Corresponding author. Email: utomo@nusaputra.ac.id
Corresponding Author
Utomo Utomo
Available Online 28 July 2025.
DOI
10.2991/978-2-38476-450-1_8How to use a DOI?
Keywords
Elementary Education; Financial Independence; Financial Literacy; Money Management; Saving Culture
Abstract

Financial literacy education is a fundamental skill that must be in-stilled from an early age to build financial independence. This study aims to analyze changes in students’ behavior before and after receiving financial literacy education and identify the inhibiting factors in fostering a saving culture among elementary school students. Using a qualitative approach, data were collected through in-depth interviews and surveys involving 30 students aged 10–15 years from diverse socioeconomic backgrounds. The findings reveal that financial literacy education significantly improves students’ understanding of basic financial concepts, such as budgeting, saving, and managing allowances. However, several inhibiting factors were identified, including a lack of parental support, limited access to financial services, an underdeveloped curriculum, and students’ limited understanding of the long-term benefits of saving. Additionally, social environments that promote consumerism further hinder the development of a saving culture. This study highlights the importance of collaboration between schools, parents, and the government to integrate financial literacy into elementary education. With a holistic approach, financial literacy can serve as a foundation for shaping a financially independent and responsible generation in the future.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 5th International Conference on Education, Humanities, and Social Science - Japan Series (ICEHoS 2025)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
28 July 2025
ISBN
978-2-38476-450-1
ISSN
2352-5398
DOI
10.2991/978-2-38476-450-1_8How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Indriani Maulidyaningsih
AU  - Yashila Rahmah Az-zahra
AU  - Yayu Rayaguni
AU  - Utomo Utomo
PY  - 2025
DA  - 2025/07/28
TI  - Fostering Financial Skills in Young Learners: A Pathway to Financial Independence
BT  - Proceedings of the 5th International Conference on Education, Humanities, and Social Science - Japan Series (ICEHoS 2025)
PB  - Atlantis Press
SP  - 109
EP  - 117
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-450-1_8
DO  - 10.2991/978-2-38476-450-1_8
ID  - Maulidyaningsih2025
ER  -