A community service team from
the STIE Indonesia Banking School empowered PKK members in RW 06 Pesanggrahan,
South Jakarta, to strengthen family financial resilience through financial
literacy, saving, investing, and awareness of the dangers of illegal online
loans on April 3, 2026. This program is crucial amidst modern economic
dynamics, where low financial literacy often leaves housewives vulnerable to
debt traps and hinders their ability to optimize family asset management.
Background and Issues
Housewives play a central role
in maintaining family economic stability, yet they often face challenges in
distinguishing between needs and wants. Furthermore, a lack of understanding
regarding the risks of digital financial products leaves many families
susceptible to illegal online loans, which offer rapid processing but involve
high interest rates and harmful collection practices.
Methodology
The community service
activity utilized a participatory approach involving lecturers and students
from the STIE Indonesia Banking School, consisting of the following stages:
·
Problem identification: Conducted through direct observations of the needs of PKK members
in the local environment.
·
Educational socialization: Delivery of materials regarding financial management, investment
strategies, and identification of illegal loans through interactive discussions
and Q&A sessions.
·
Evaluation: Measurement of program success through pre-tests and post-tests
using questionnaires to assess changes in participants' understanding.
Key Findings
Evaluation results
showed a significant increase in participants' financial literacy:
- · Participants' initial average understanding was 76.1%, but after educational intervention, it reached 100% across all tested indicators.
- · Participants demonstrated a drastic increase in awareness regarding the importance of saving, the selection of safe investment instruments like gold, and the ability to detect the characteristics of illegal online loans.
- · All participants (100%) expressed high motivation and interest in starting to apply planned family financial management habits following the activity.
Implications and
Impact
This program proves that
interactive educational approaches are highly effective in changing the
financial mindset and behavior of housewives. The success of this program
contributes tangibly to forming families that are more independent, planned,
and protected from financial risks. Participants are now better prepared to
manage income and plan for future needs effectively. Moving forward, the
service team recommends ongoing assistance regarding household financial
record-keeping practices to ensure these positive habits are sustained.
Author Profile:
- Ossi Ferli - STIE Indonesia Banking School
- Erric Wijaya- STIE
Indonesia Banking School
- Deva Olivia- STIE
Indonesia Banking School
- Evada
Rustinah- STIE Indonesia Banking School
- Astriani Puspita Maharani- STIE Indonesia Banking School
- Fathiyya Humairoh- STIE Indonesia Banking School
Research Source
Ferli, O., Wijaya, E., Olivia, D., Rustinah, E., Maharani, A. P., & Humairoh, F. (2026). "Building Financially Resilient Families: Evidence from Financial Literacy Education among PKK Members in Pesanggrahan Jakarta". Jurnal Pengabdian Masyarakat Bestari (JPMB), 5(5), 425-436.
DOI: https://doi.org/10.55927/jpmb.v5i5.33.
URL: https://journaljpmb.my.id/index.php/jpmb
0 Komentar