Article Sidebar
Main Article Content
Abstract
The low level of financial literacy among rural communities, particularly in Pamulihan Village, Sumedang Regency, has created challenges in household financial management and increased vulnerability to illegal lending practices. This community service project focused on fostering saving awareness from an early age and raising public caution against illegal loans. The program was conducted by the Community Service Team of Politeknik STIA LAN Bandung, involving early childhood students of PAUD Khairunnisa and their parents as the target group. The method applied was a participatory-educative approach through interactive lectures, group discussions, and quiz-based evaluations to measure participants’ understanding. The results indicate improved knowledge among participants regarding types of savings, saving practices, and characteristics of illegal loans. Furthermore, a collective awareness emerged to start saving regularly and to avoid illegal borrowing, along with the initiation of family saving groups by participants. These findings highlight the beginning of a social transformation toward wiser and more sustainable financial behavior.
Keywords
Article Details
This work is licensed under a Creative Commons Attribution 4.0 International License.
References
- Amagir, A., Groot, W., Maassen van den Brink, H., & Wilschut, A. (2018). A review of financial-literacy education programs for children and adolescents. Citizenship, Social and Economics Education, 17(1), 56–80.
- Atkinson, A., & Messy, F. (2012). OECD Working Papers on Finance, Insurance and Private Pensions, No. 15. Measuring Financial Literacy: Results of the OECD/International Network on Financial Education (INFE). Pilot Study.
- Bank Indonesia. (2022). Ayo Menabung. https://www.bi.go.id
- BPS Sumedang. (2023). Kabupaten Sumedang dalam angka 2023.
- Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull., 89, 309.
- Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316.
- Kiril, K. (2020). OECD/INFE 2020 international survey of adult financial literacy.
- Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. American Economic Journal: Journal of Economic Literature, 52(1), 5–44.
- Otoritas Jasa Keuangan. (2023). Laporan tahunan OJK 2023.
- Otoritas Jasa Keuangan. (2024). Statistik perlindungan konsumen sektor jasa keuangan.
- Pretty, J. N. (1995). Participatory learning for sustainable agriculture. World Development, 23(8), 1247–1263.
- Prochaska, J. O., & DiClemente, C. C. (1983). Stages and processes of self-change of smoking: toward an integrative model of change. Journal of Consulting and Clinical Psychology, 51(3), 390.
- Putnam, R. D. (2000). Bowling alone: The collapse and revival of American community. Simon Schuster.
References
Amagir, A., Groot, W., Maassen van den Brink, H., & Wilschut, A. (2018). A review of financial-literacy education programs for children and adolescents. Citizenship, Social and Economics Education, 17(1), 56–80.
Atkinson, A., & Messy, F. (2012). OECD Working Papers on Finance, Insurance and Private Pensions, No. 15. Measuring Financial Literacy: Results of the OECD/International Network on Financial Education (INFE). Pilot Study.
Bank Indonesia. (2022). Ayo Menabung. https://www.bi.go.id
BPS Sumedang. (2023). Kabupaten Sumedang dalam angka 2023.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull., 89, 309.
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316.
Kiril, K. (2020). OECD/INFE 2020 international survey of adult financial literacy.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. American Economic Journal: Journal of Economic Literature, 52(1), 5–44.
Otoritas Jasa Keuangan. (2023). Laporan tahunan OJK 2023.
Otoritas Jasa Keuangan. (2024). Statistik perlindungan konsumen sektor jasa keuangan.
Pretty, J. N. (1995). Participatory learning for sustainable agriculture. World Development, 23(8), 1247–1263.
Prochaska, J. O., & DiClemente, C. C. (1983). Stages and processes of self-change of smoking: toward an integrative model of change. Journal of Consulting and Clinical Psychology, 51(3), 390.
Putnam, R. D. (2000). Bowling alone: The collapse and revival of American community. Simon Schuster.