Peningkatan Literasi Keuangan dan Teknologi Keuangan Terhadap Masyarakat Pedesaan
DOI:
https://doi.org/10.37478/abdika.v4i3.4536Abstract
Kelor Village in Gunungkidul Regency, Yogyakarta, is an agrarian village where the majority of the population works as farmers. However, the low level of education in this village has led to very limited financial literacy among the community. This issue is crucial because many villagers struggle to manage their income from agriculture, making it difficult for them to budget, save, or invest wisely. As a result, the economic well-being of the community has not significantly improved. Additionally, limited access to formal financial institutions forces many residents to keep their money at home, which poses a risk. To address this problem, enhancing financial literacy and promoting the use of financial technology (fintech) are necessary. This training aims to provide better understanding of financial literacy and encourage the use of fintech among the people of Kelor Village. Although some community members already have a basic understanding of financial literacy, many do not regularly record their finances and lack a full grasp of the concepts and benefits of fintech. The educational program implemented has successfully improved the community’s understanding; however, the implementation in daily life still needs reinforcement. The results of this program show that those who received education are better at managing their finances and more open to using financial technology. Therefore, it is recommended to expand the educational program with more easily understood and relevant materials, as well as providing practical training to encourage the use of financial technology. Additionally, improving access to formal financial services and empowering community groups are crucial to ensuring the sustainability of the program. Through this approach, the people of Kelor Village are expected to be better prepared to face economic uncertainties and improve their financial well-being.
Downloads
Keywords:
Financial Literacy, Financial Technology, Kelor VillageReferences
Adzkiya, H., Pamularsih, R. G., Nisa, T., & Sholikha, A. F. (2022). Peningkatan Literasi Keuangan Melalui Sosialisasi Peran Otoritas Jasa Keuangan Dalam Upaya Perlindungan Masyarakat Terhadap Lembaga Keuangan Ilegal di Desa Suro. Kampelmas, 1(2), 573–583.
Aqualdo, N., Kurniasih, C. E., & Zuryani, H. (2023). Analisis tingkat literasi dan minat masyarakat desa logas dalam penggunaan financial technology (Fintech). Jurnal Ekobis: Ekonomi Bisnis & Manajemen, 13(1), 1–14.
Bank Indonesia (2017). Peraturan Bank Indonesia Nomor 19/PBI/2017.
Dhamayanti, S. K., Soepriyadi, I., Rini, P., Rahmadi, Z. T., & Yulianto, K. I. (2023). Literasi Pembuatan Administrasi Keuangan Rumah Tangga. Jurnal Pengabdian Teratai, 4(1), 66–75.
Edison, E. F., Sembiring, R. A., Indika, P. M., Syah, N., Razak, A., & Dewata, I. (2024). The United Nations sustainable development goals (UN SDGs) in dealing with the VUCA (volatility, uncertainty, complexity, Ambiguity) of post COVID-19 pandemic: Is it the best derivation? AIP Conference Proceedings, 3001(1).
Ekawati, Y. A., Irawan, D., & Rivani, T. (2023). Edukasi Pengenalan Instrumen Investasi Keuangan Bagi Warga Desa Di Desa Air Joman Kecamatan Air Joman Kabupaten Asahan. Jurnal Pengabdian Magister Pendidikan IPA, 6(4), 1485–1491.
Finthariasari, M., Febriansyah, E., & Pramadeka, K. (2020). Pemberdayaan masyarakat desa Pelangkian melalui edukasi dan literasi keuangan pasar modal menuju masyarakat cerdas berinvestasi. Jurnal Pengabdian Masyarakat Bumi Raflesia, 3(1), 291–298.
Hasibuan, A., Nasution, S. P., Yani, F. A., Hasibuan, H. A., & Firzah, N. (2022). Strategi peningkatan usaha tani padi sawah untuk meningkatkan perekonomian masyarakat desa. ABDIKAN: Jurnal Pengabdian Masyarakat Bidang Sains Dan Teknologi, 1(4), 477–490.
Indriyani, R. (2024). Pengaruh Literasi Keuangan dan Teknologi Finansial terhadap Inklusi Keuangan Masyarakat Desa di Kabupaten Cirebon. Jurnal Cahaya Mandalika ISSN 2721-4796 (Online), 1270–1279.
Kementerian Komunikasi Dan Informatika (2016). Perlindungan Data Pribadi dalam Sistem Elektronik.
Kerthayasa, I. W., & Darmayanti, N. P. A. (2023). Pengaruh literasi keuangan dan financial technology terhadap inklusi keuangan di desa pengotan. E-Jurnal Manajemen Universitas Udayana, 12(2), 137.
Kesa, D. D. (2019). Realisasi literasi keuangan masyarakat dan kearifan lokal: Studi kasus inklusi keuangan di Desa Teluk Jambe, Karawang, Jawa Barat. Jurnal Sosial Humaniora Terapan, 1(2), 34–43.
Lin, C.-A., & Bates, T. C. (2022). Smart people know how the economy works: Cognitive ability, economic knowledge and financial literacy. Intelligence, 93, 101667.
Murlan, M. W., Pratiya, M. B., Putra, A. R., Syafar, M., Adriansyah, A., Ramadhan, R., & Sohilauw, M. I. (2023). Peningkatan Pemahaman Literasi Keuangan Dan Investasi Bodong Melalui Seminar Pendidikan. Jpm: Jurnal Pengabdian Masyarakat, 4(1), 50–57.
Noriska, N. K. S., & Amanda, M. T. (2024). Literasi Keuangan melalui Sosialisasi Investasi Emas pada Wanita Hindu Dharma Indonesia Kota Surakarta. Jurnal Abdi Masyarakat Indonesia, 4(4), 957–966.
Otoritas Jasa Keuangan. (2017). Surat Edaran Otoritas Jasa Keuangan Nomor 30/SEOJK.07/2017
Otoritas Jasa Keuangan (2018). Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 12/POJK.02/2018.
Pemerintahan Desa Kelor. (2024). Data Desa Kelor. Https://Desakelor.Gunungkidulkab.Go.Id/First/Statistik/.
Peristiwo, H., Itang, I., Suganda, A. D., & Muhajiroh, M. (2024). Literasi Berinvestasi di Pasar Modal Untuk Investor Pemula Bagi Masyarakat di Kecamatan Anyer. Nanggroe: Jurnal Pengabdian Cendikia, 2(10).
Raneo, A. P., Saputri, N. D. M., Mavilinda, H. F., & Gozali, E. O. D. (2022). Penyuluhan Literasi Keuangan Untuk Masyarakat Di Desa Sungsang I, Banyuasin. Selaparang: Jurnal Pengabdian Masyarakat Berkemajuan, 6(3), 1220–1225.
Siswanti, T. (2022). Pengaruh literasi keuangan dan pola konsumsiterhadap pengelolaan keuangan keluarga masa pandemi Covid 19 warga perumahan Bekasi Permai, Bekasi, Jawa Barat. Jurnal Bisnis & Akuntansi Unsurya, 7(1).
Sudiro, K. L. K. (2024). Ancaman resesi global pasca pandemi COVID-19 dan dampaknya terhadap ketahanan konsumen di Indonesia: Pendekatan analisis sintesis. Journal of Economic Resilience and Sustainable Development, 1(1).
Suhartatik, A., Susilawati, C. E., Arini, A., Muljani, N., Lindawati, T., Nagel, P. J. F., & Shanti, S. (2021). Perencanaan Kesejahteraan Hari Tua Pada Warga Kelurahan Semolowaru Kecamatan Sukolilo Surabaya. Peka: Jurnal Pengabdian Kepada Masyarakat, 4(1), 1–15.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Novia Utami, Teresia Angelia Kusumahadi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.