Pelatihan literasi keuangan bagi UMKM guna mencegah pinjaman online

Yeni Yeni, Mohammad Kurniawan DP

Abstract


Abstrak

Banyak masyarakat terjerat pinjaman online karena kebutuhan mendesak alasan  syarat ringan namun pada akhirnya membuat mereka kesulitan membayar dan terjerat bunga tinggi. Pemilik UMKM merupakan pedagang kecil sering mengambil pinjaman online untuk membeli stok barang dan kesulitan untuk membayar pinjaman tersebut karena bunga yang tinggi, sehingga harus mengambil pinjaman baru untuk menutup utang lama. Siklus ini terus berlanjut hingga utang menjadi tidak terkendali bahkan banyak diantara mereka bunuh diri akibat terbelit utang yang tidak terkendali. Pengabdian masyarakat ini  bertujuan untuk memberikan pelatihan literasi cara mengelola keuangan agar dapat mengola keuangan denagn akurat jika ada kebutuhan mendesak. Menghindari pinjaman uang secara online guna memperkecil resiko keuangan yang moderat serta terancam bunuh diri jika tidak mampu mengola bagi para pelaku UMKM. Tujuan utama dari pelatihan ini adalah untuk meningkatkan pengetahuan literasi tagungan keluarga dan kemampuan dalam mengelola keuangan secara efektif, serta mencegah penggunaan pinjaman online yang merugikan. Hasil dari pelatihan menunjukkan bahwa masyarakat kecil sering terjebak dalam lingkaran utang akibat tidak mempu mengola tabungan keluarga.

 

Kata kunci: mengelola; keuangan; UMKM; tabungan keluarga; pinjaman online.

 

Abstract

This community service aims to provide financial literacy training to MSME players. The main aim of this training is to increase knowledge and abilities in managing finances effectively, as well as preventing the detrimental use of online loans. The results of the training show that small communities are often trapped in a cycle of debt due to online loans. MSME owners who are small traders often take out online loans to buy stock of goods, but then have difficulty paying back the loans because of high interest, so they have to take out new loans to cover old debts. This cycle can continue until the debt becomes uncontrollable and many of them even commit suicide due to being entangled in uncontrollable debt.

 

Keywords: literacy; finance; MSMEs; family savings; online loans


Keywords


literacy; finance; MSMEs; family savings; online loans

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DOI: https://doi.org/10.31764/jpmb.v8i2.23999

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