EDUKASI LITERASI KEUANGAN BAGI AKADEMISI DALAM MENGHINDARI PRAKTIK JUDI DAN PINJAMAN ONLINE

Muhammad Khairul Amal; Alhidayatullah Alhidayatullah; Muh. Abdul Aziz

doi:10.31764/jmm.v9i4.32717

EDUKASI LITERASI KEUANGAN BAGI AKADEMISI DALAM MENGHINDARI PRAKTIK JUDI DAN PINJAMAN ONLINE

Muhammad Khairul Amal, Alhidayatullah Alhidayatullah, Muh. Abdul Aziz

Abstract

Abstrak: Rendahnya literasi keuangan di kalangan akademisi, khususnya guru, telah menyebabkan meningkatnya keterlibatan mereka dalam praktik pinjaman online dan judi daring. Kegiatan pengabdian ini bertujuan untuk meningkatkan pemahaman keuangan melalui pelatihan bertahap yang mencakup observasi, pelatihan, dan evaluasi. Kegiatan dilaksanakan oleh dosen Universitas Muhammadiyah Sukabumi dengan melibatkan 35 guru SMP, SMK, dan SMA Muhammadiyah di Kabupaten Sukabumi. Materi pelatihan mencakup dasar-dasar literasi keuangan, perencanaan anggaran, serta mitigasi risiko keuangan digital. Evaluasi menggunakan pretest dan posttest menunjukkan peningkatan rata-rata pemahaman peserta sebesar 35,4%, khususnya pada aspek pengelolaan utang, tabungan, serta kesadaran terhadap bahaya pinjaman online dan judi. Pelatihan ini terbukti efektif dalam mendorong perubahan sikap dan perilaku finansial peserta. Diharapkan kegiatan ini dapat direplikasi secara luas sebagai model edukasi literasi keuangan yang preventif, khususnya di lingkungan akademik. Literasi keuangan yang baik diyakini mampu memperkuat integritas profesional dan ketahanan ekonomi para pendidik.

Abstract: Low financial literacy among academics, especially teachers, has led to their increased involvement in online lending and online gambling practices. This service activity aims to improve financial understanding through gradual training that includes observation, training, and evaluation. The activity was carried out by lecturers of the University of Muhammadiyah Sukabumi involving 35 teachers of Muhammadiyah Junior High School, Vocational School, and High School in Sukabumi Regency. The training material covers the basics of financial literacy, budget planning, and digital financial risk mitigation. Evaluation using pretest and posttest showed an average increase in participants' understanding of 35.4%, especially in the aspects of debt management, savings, and awareness of the dangers of online loans and gambling. This training has proven to be effective in encouraging changes in participants' financial attitudes and behaviors. It is hoped that this activity can be widely replicated as a model of preventive financial literacy education, especially in the academic environment. Good financial literacy is believed to be able to strengthen the professional integrity and economic resilience of educators.

Keywords

Financial Education; Financial Literacy; Muhammadiyah Teachers; Online Gambling; Online Loans.

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DOI: https://doi.org/10.31764/jmm.v9i4.32717