<p><strong>ABSTRACT </strong></p><p><strong> </strong></p><p><em>The 2019 Indonesian financial literacy index shows a low value of 38.03%, this indicates low decision-making ability in the use and management of money. The aim of this research is to determine the strategy for developing financial inclusion through a financial literacy program for kindergarten students. Kindergarten students have a tendency to be consumptive, because they cannot differentiate between the principles of need and desire in consuming goods. So financial literacy is a form of control and rationalization of the use of money. This type of research uses descriptive qualitative research with a rational approach to financial literacy as well as the development of financial inclusion strategies. Financial literacy strategies at the elementary school level have not been well developed, but several materials containing financial literacy have been taught at the kindergarten level. Curriculum integration, teacher motivation, community involvement, and providing access to information technology are effective factors in increasing understanding of financial literacy. Curriculum and teaching materials are adjusted based on field findings designed by relevant stakeholders, especially educational actors and social communities. Financial literacy content standards are as follows: inclusive financial development, namely that students can understand the relationship between education, career and lifestyle as well as developing the skills needed for financial targets.</em></p><p><strong><em> </em></strong></p><p> </p>