Main Article Content
Abstract
Indonesia menduduki urutan keempat dengan jumlah orang dewasa sebanyak 100 juta yang tidak terlayani oleh Lembaga keuangan formal. Adapun kelompok yang paling rentan terhadap inklusi keuangan adalah wanita, masyarakat berpenghasilan rendah, dan masyarakat berpendidikan rendah. Otoritas Jasa Keuangan (2024) melaksanakan Survey Nasional Literasi dan Inklusi Keuangan yang menunjukkan hasil bahwa tingkat literasi keuangan masyarakat lebih rendah daripada tingkat inklusi keuangan. Hal tersebut menunjukkan bahwa masyarakat dapat mengakses produk dan layanan keuangan tetapi tidak memahami manfaat serta risikonya yang berujung kepada peningkatan risiko penyalahgunaan keuangan. Tujuan dilaksanakan kegiatan literasi keuangan melalui penyuluhan pengelolaan keuangan adalah memberikan pengetahuan kepada masyarakat berpenghasilan dan berpendidikan rendah mengenai pengelolaan keuangan, perencanaan keuangan, dan penyusunan anggaran keuangan. Kelompok sasaran pengabdian pada masyarakat adalah buruh bangunan dan tukang kayu yang berkerja pada konsultan arsitek Ouevre Arch + Interior. Metode pelaksanaan yang dilakukan berupa penyampaian materi dan praktek langsung penyusunan perencanaan keuangan dan anggaran keuangan. Dari hasil kegiatan, 87,5% peserta memiliki tujuan keuangan untuk membeli rumah. Dari hasil perhitungan aliran kas, masih 50% masih memiliki kekurangan dalam pendapatan per bulannya. Hal ini disebabkan banyaknya tujuan keuangan yang tidak disertai dengan pendapatan sehingga tujuan keuangan akan dapat diwujudkan apabila peserta melunasi hutang yang dimiliki dan mulai mengalihkan hutang/cicilan ke tujuan keuangan berikutnya. Implikasi dari kegiatan pengabdian pada masyarakat ini diharapkan peserta dapat melakukan pengelolaan keuangan secara bijak sehingga mereka akan mendapatkan manfaat dari pemakaian produk keuangan yang dalam jangka panjang diharapkan dapat mencapai tujuan keuangan yang telah direncanakan.
Keywords
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
Sricommerce: Journal of Sriwijaya Community Services by http://jscs.ejournal.unsri.ac.id/index.php/jscs
is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License..
References
- Adegbite, A. (2024). The Role Of Blockchain Technology In Enhancing Financial Inclusion. IOSR Journal of Economics and Finance, 15(5), 19–28. https://doi.org/10.9790/5933-1505071928
- Agwu, M. E. (2020). Can technology bridge the gap between rural development and financial inclusions? Technology Analysis & Strategic Management, 33(2), 123–133. https://doi.org/10.1080/09537325.2020.1795111
- Ansar, S., Klapper, L., & Singer, D. (2023). The importance of financial education for the effective use of formal financial services. Journal of Financial Literacy and Wellbeing, 1(1), 28–46. https://doi.org/10.1017/flw.2023.5
- Czech, K., Zabolotnyy, S., Wielechowski, M., & Ochnio, L. (2024). Financial Literacy: Identification of the Challenges, Needs, and Difficulties among Adults Living in Rural Areas. Agriculture, 14(10), 1705. https://doi.org/10.3390/agriculture14101705
- Danes, S. M., & Hira, T. K. (1987). Money management knowledge of college students. Journal of Student Financial Aid, 17(1), 4-16. https://doi.org/10.55504/0884-9153.1435
- Fanelli, D., Schleicher, M., Fang, F. C., Casadevall, A., & Bik, E. M. (2022). Do individual and institutional predictors of misconduct vary by country? Results of a matched-control analysis of problematic image duplications. PloS one, 17(3), e0255334. https://doi.org/10.1371/journal.pone.0255334
- Gershenson, M. D., Lambert, F., Herrera, L., Ramos, G., & Torres, J. (2021). Fintech and financial inclusion in Latin America and the Caribbean. International Monetary Fund. https://doi.org/10.55504/0884-9153.1435
- Islami, C. F., Yuneline, M. H., & Suryana, U. (2020). Literasi Keuangan Pasar Modal untuk Optimalisasi Galeri Investasi Bursa Efek Indonesia STIE Ekuitas. Banking & Management Review, 9(1), 1196-1211. https://doi.org/10.52250/bmr.v9i1.261
- Jongwe, P., Seeletse, S. M., & Watson Ladzani, M. (2025). Financial Skills Impact on the Growth of SMEs in Masvingo, Zimbabwe, Masvingo Province Investigation. International Journal of Research and Innovation in Applied Science, 10(1), 01–12. https://doi.org/10.51584/ijrias.2025.1001001
- Kaiser, T., Lusardi, A., Menkhoff, L., & Urban, C. (2022). Financial education affects financial knowledge and downstream behaviors. Journal of Financial Economics, 145(2), 255-272. https://doi.org/10.1016/j.jfineco.2021.09.022
- Klapper, L., & Lusardi, A. (2020). Financial literacy and financial resilience: Evidence from around the world. Financial Management, 49(3), 589-614. https://doi.org/10.1111/fima.12283
- Otoritas Jasa Keuangan (2024). Survey Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024. https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-(SNLIK)-2024.aspx
- Pham, K. D., & Le, V. L. T. (2023). Nexus between Financial Education, Literacy, and Financial Behavior: Insights from Vietnamese Young Generations. Sustainability, 15(20), 14854. https://doi.org/10.3390/su152014854
- Pomeranz, D., & Kast, F. (2024). Savings accounts to borrow less: experimental evidence from Chile. Journal of Human Resources, 59(1), 70-108. https://doi.org/10.3368/jhr.0619-10264R3
- Riley, E. (2018). Mobile money and risk sharing against village shocks. Journal of Development Economics, 135, 43-58. https://doi.org/10.1016/j.jdeveco.2018.06.015
- World Bank (2021). The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19.
- Yuneline, M. H., & Suryana, U. (2020). Financial literacy and its impact on funding source’s decision-making. International Journal of Applied Economics, Finance and Accounting, 6(1), 1-10. https://doi.org/10.33094/8.2017.2020.61.1.10
References
Adegbite, A. (2024). The Role Of Blockchain Technology In Enhancing Financial Inclusion. IOSR Journal of Economics and Finance, 15(5), 19–28. https://doi.org/10.9790/5933-1505071928
Agwu, M. E. (2020). Can technology bridge the gap between rural development and financial inclusions? Technology Analysis & Strategic Management, 33(2), 123–133. https://doi.org/10.1080/09537325.2020.1795111
Ansar, S., Klapper, L., & Singer, D. (2023). The importance of financial education for the effective use of formal financial services. Journal of Financial Literacy and Wellbeing, 1(1), 28–46. https://doi.org/10.1017/flw.2023.5
Czech, K., Zabolotnyy, S., Wielechowski, M., & Ochnio, L. (2024). Financial Literacy: Identification of the Challenges, Needs, and Difficulties among Adults Living in Rural Areas. Agriculture, 14(10), 1705. https://doi.org/10.3390/agriculture14101705
Danes, S. M., & Hira, T. K. (1987). Money management knowledge of college students. Journal of Student Financial Aid, 17(1), 4-16. https://doi.org/10.55504/0884-9153.1435
Fanelli, D., Schleicher, M., Fang, F. C., Casadevall, A., & Bik, E. M. (2022). Do individual and institutional predictors of misconduct vary by country? Results of a matched-control analysis of problematic image duplications. PloS one, 17(3), e0255334. https://doi.org/10.1371/journal.pone.0255334
Gershenson, M. D., Lambert, F., Herrera, L., Ramos, G., & Torres, J. (2021). Fintech and financial inclusion in Latin America and the Caribbean. International Monetary Fund. https://doi.org/10.55504/0884-9153.1435
Islami, C. F., Yuneline, M. H., & Suryana, U. (2020). Literasi Keuangan Pasar Modal untuk Optimalisasi Galeri Investasi Bursa Efek Indonesia STIE Ekuitas. Banking & Management Review, 9(1), 1196-1211. https://doi.org/10.52250/bmr.v9i1.261
Jongwe, P., Seeletse, S. M., & Watson Ladzani, M. (2025). Financial Skills Impact on the Growth of SMEs in Masvingo, Zimbabwe, Masvingo Province Investigation. International Journal of Research and Innovation in Applied Science, 10(1), 01–12. https://doi.org/10.51584/ijrias.2025.1001001
Kaiser, T., Lusardi, A., Menkhoff, L., & Urban, C. (2022). Financial education affects financial knowledge and downstream behaviors. Journal of Financial Economics, 145(2), 255-272. https://doi.org/10.1016/j.jfineco.2021.09.022
Klapper, L., & Lusardi, A. (2020). Financial literacy and financial resilience: Evidence from around the world. Financial Management, 49(3), 589-614. https://doi.org/10.1111/fima.12283
Otoritas Jasa Keuangan (2024). Survey Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024. https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-(SNLIK)-2024.aspx
Pham, K. D., & Le, V. L. T. (2023). Nexus between Financial Education, Literacy, and Financial Behavior: Insights from Vietnamese Young Generations. Sustainability, 15(20), 14854. https://doi.org/10.3390/su152014854
Pomeranz, D., & Kast, F. (2024). Savings accounts to borrow less: experimental evidence from Chile. Journal of Human Resources, 59(1), 70-108. https://doi.org/10.3368/jhr.0619-10264R3
Riley, E. (2018). Mobile money and risk sharing against village shocks. Journal of Development Economics, 135, 43-58. https://doi.org/10.1016/j.jdeveco.2018.06.015
World Bank (2021). The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19.
Yuneline, M. H., & Suryana, U. (2020). Financial literacy and its impact on funding source’s decision-making. International Journal of Applied Economics, Finance and Accounting, 6(1), 1-10. https://doi.org/10.33094/8.2017.2020.61.1.10