Peningkatan Literasi Manajemen Keuangan Bagi Masyarakat Dalam Mewujudkan Kesejahteraan Ekonomi Di Desa Sekarwangi Kecamatan Cibadak Sukabumi

  • Idel Eprianto universitas bhayangkara jakarta raya
  • Hasanuddin Hasanuddin Program Studi Magister Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Bhayangkara Jakarta Raya
  • Bungaran Saing Program Studi Magister Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Bhayangkara Jakarta Raya
  • Achmad Fauzi Program Studi Magister Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Bhayangkara Jakarta Raya

Keywords

literasi keuangan, manajemen keuangan rumah tangga, kesejahteraan ekonomi, pengabdian kepada masyarakat

Abstract

Low financial management literacy remains a fundamental problem for rural communities, as reflected in the gap between the rural (59.60%) and urban (70.89%) financial literacy indices in Indonesia's 2025 National Financial Literacy and Inclusion Survey (SNLIK). In Sekarwangi Village, Cibadak District, Sukabumi Regency, preliminary observation revealed that most households had not prepared a budget, had no emergency fund, did not separate business and personal finances, and still relied on high-interest informal loans known locally as "bank emok". This community service program aimed to improve the community's financial management knowledge, skills, and behavior as a foundation for household economic welfare. A participatory, andragogy-based approach was implemented in five stages: (1) coordination and preparation, (2) needs identification through focus group discussions, (3) training on six financial management literacy modules, (4) four weeks of mentoring on record-keeping and budgeting practice, and (5) evaluation using pre-tests, post-tests, behavioral observation, and a satisfaction questionnaire. Forty participants took part, consisting of housewives, MSME owners, workers, farmers, and youth. The mean literacy score increased from 49.55 to 79.80, with an N-gain of 0.60 (moderate) and a significant paired t-test (t = 20.31; p < 0.001). The share of participants in the good literacy category rose from 5.0% to 57.5%. Behaviorally, participants who regularly recorded expenses increased from 20.0% to 67.5%, and those with a written monthly budget increased from 15.0% to 60.0%. The program demonstrates that contextual, participatory financial education accompanied by mentoring can strengthen rural financial capability. Sustainability is recommended through village financial literacy cadres and synergy with village-owned enterprises (BUMDes), formal financial institutions, and the Regional Financial Access Acceleration Team (TPAKD).

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2026-11-01