Trash to treasure: Integrating waste management and financial literacy for sustainable behaviors

Muhammad Ramadhani Kesuma; Stephanie Wijaya; Alya Salsabilla Putri

doi:10.55942/pssj.v5i10.681

Authors

Muhammad Ramadhani Kesuma Mulawarman University https://orcid.org/0009-0001-5816-5786
Stephanie Wijaya Mulawarman University https://orcid.org/0009-0002-9671-6531
Alya Salsabilla Putri Mulawarman University https://orcid.org/0009-0004-3762-6952

DOI:

https://doi.org/10.55942/pssj.v5i10.681

Keywords:

Waste Management, Financial Literacy, Eco-Financial, Interactive Education, Primary School Students

Abstract

The "Trash to Cash: Jago Atur Uang, Jago Rawat Bumi" program, conducted at SDN 008 Waru, Penajam Paser Utara Regency, East Kalimantan, Indonesia, aimed to enhance sixth-grade students’ understanding of waste management and financial literacy through an interactive educational intervention. Targeting 30 students aged 11–12 years, the program integrated the eco-financial concept, transforming inorganic waste, such as plastic bottles and cardboard, into economic assets via waste banks, with proceeds encouraging savings habits. Employing an action research approach, the intervention utilized presentations, the "Tebak Sampah" game, and a waste value calculation quiz. The results demonstrated a significant increase in waste classification knowledge (from 40% to 85% accuracy), with 95% of students recognizing the economic value of recyclables and 80% accurately calculating waste-derived income. Qualitative findings indicated high engagement and intention to collect recyclables, suggesting potential behavioral changes toward sustainability. Challenges, including time constraints and classroom management, did not diminish the program’s success in achieving its goals. This study contributes a novel framework for integrating environmental and financial education, offering a replicable model for primary schools to support the sustainable development goals.

Author Biographies

Muhammad Ramadhani Kesuma, Mulawarman University

Muhammad Ramadhani Kesuma is a lecturer in the Department of Management, Faculty of Economics and Business, Mulawarman University, Samarinda, Indonesia. With a background in financial management and expertise in international financial management, his research encompasses qualitative and quantitative studies across various industrial sectors. His current interests include financial technology (fintech) and financial literacy, with a focus on fostering sustainable economic behaviors.

Stephanie Wijaya, Mulawarman University

Stephanie Wijaya is an undergraduate student in the Department of Accounting, Faculty of Economics and Business, Mulawarman University, Samarinda, Indonesia. Her research interests include financial accounting and taxation. She is currently working on her thesis, with a focus on combining financial literacy and environmental education to promote sustainable behaviors.

Alya Salsabilla Putri, Mulawarman University

Alya Salsabilla Putri is an undergraduate student in the Department of Accounting, Faculty of Economics and Business, Mulawarman University, Samarinda, Indonesia. Her academic interests lie in financial accounting, auditing, and taxation. Currently, she is in the process of completing her thesis, exploring innovative approaches to integrate financial literacy with sustainable practices.

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