Peningkatan literasi keuangan rumah tangga guna meningkatkan kesejahteraan masyarakat Desa Ngijo, Malang

Rizky Firmansyah, Miranti Puspaningtyas, Nabilla Carissa Ratnadeawati, Nisha Alia Ramadhani, Muhammad Rafi

Abstract


Abstrak

Literasi keuangan berperan penting dalam pengelolaan keuangan rumah tangga, terutama di daerah pedesaan seperti Desa Ngijo, yang menghadapi tantangan dalam merencanakan anggaran dan investasi guna mencapai kesejahteraan ekonomi. Program pengabdian masyarakat ini dilakukan melalui sosialisasi interaktif dan diskusi dengan ibu rumah tangga, yang mengungkap permasalahan utama berupa kurangnya pemahaman dalam menentukan prioritas keuangan serta alokasi dana untuk tabungan dan investasi. Sebagai solusi, tim pengabdian memberikan edukasi mengenai penyusunan skala prioritas keuangan dan strategi investasi jangka panjang. Hasilnya menunjukkan peningkatan signifikan dalam literasi keuangan, dengan skor pre-test sebesar 49% meningkat menjadi 74,67% setelah pelatihan. Kesadaran ibu rumah tangga mengenai pengelolaan keuangan yang baik semakin meningkat. Program ini diharapkan dapat menjadi fondasi ketahanan finansial keluarga serta mendorong pertumbuhan ekonomi dan peningkatan kualitas sumber daya manusia di Desa Ngijo.

 

Kata kunci: literasi keuangan; rumah tangga; pengelolaan keuangan; kesejahteraan ekonomi.

 

Abstract

Financial literacy plays a crucial role in household financial management, particularly in rural areas such as Ngijo Village, where challenges in budgeting and investment planning hinder economic well-being. This community service program was conducted through interactive socialization and discussions with housewives, revealing key issues such as a lack of understanding in setting financial priorities and allocating funds for savings and investments. As a solution, the program provided education on financial prioritization and long-term investment strategies. The results demonstrated a significant improvement in financial literacy, with pre-test scores increasing from 49% to 74.67% after the training. Participants’ awareness of effective financial management improved considerably. This program is expected to serve as a foundation for household financial resilience while fostering economic growth and enhancing human resource quality in Ngijo Village.

 

Keywords: financial literacy; households; financial management; economic welfare.


Keywords


financial literacy; households; financial management; economic welfare.

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DOI: https://doi.org/10.31764/jpmb.v9i2.27797

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