Penguatan Literasi Keuangan Untuk Ibu Rumah Tangga Di Rt.07/Rw.10, Desa Kedung Waringin Melalui Pendekatan Sosialisasi.
DOI:
https://doi.org/10.55583/arsy.v7i1.2092Keywords:
Digital Financial Literacy, Housewives, Family Financial Management, Money Manager Applications, Financial InclusionAbstract
Housewives play a strategic role as the main financial managers in maintaining family economic stability. However, an analysis of the situation among partners in RT.07/RW.10, Kedung Waringin Village, shows significant obstacles in the form of a lack of cash flow recording systems (68%), minimal emergency funds, and vulnerability to illegal online loans (Pinjol). This Community Service (PkM) activity aims to improve digital financial literacy and transform the partners' financial management behavior from conventional to modern. The implementation method applied an educational-participatory approach through stages of interactive lectures on cyber risk mitigation, workshops on budget allocation using the 50/30/20 method, adoption of the Kakeibo philosophy (the Japanese art of saving), and technical assistance in using the Money Manager application. The evaluation results showed a high level of technology adoption success, with 100% of participants (15 housewives) successfully installing and operating the financial recording application on their respective devices. In addition, all participants were able to practice the 50/30/20 budget allocation simulation, as evidenced by their success in independently drafting a family Financial Roadmap document. Overall, this program has contributed positively to transparency, accountability, and family economic resilience, leading to improved welfare and household harmony.
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