Penguatan Literasi Keuangan dan Manajemen Resiko untuk Ketahanan Ekonomi Perempuan

Animah Animah - Universitas Mataram
Saipul Muhsyaf - Universitas Mataram
Biana Inapty - Universitas Mataram
Nur Afilah - Universitas Mataram

Abstract


ABSTRACT

Limited financial literacy and inadequate understanding of risk management remain significant challenges for women in managing household and business finances, potentially affecting household economic resilience. This community service program focused on strengthening financial literacy and risk management to enhance women's capacity to make sound financial decisions. The program aimed to improve participants' knowledge, skills, and awareness regarding financial planning, budgeting, financial record-keeping, debt management, savings, and the identification and mitigation of financial risks. A participatory approach was employed through educational sessions, training, interactive discussions, case studies, and practical exercises on budgeting and simple financial bookkeeping. The program evaluation was conducted through participant observation and a comparison of participants' understanding before and after the activities. The results indicated an improvement in participants' understanding of financial literacy and risk management principles, enhanced ability to prepare financial plans, and increased awareness of the importance of managing financial risks to maintain household economic stability. This community service program is expected to contribute to strengthening women's economic resilience, enabling them to respond more effectively to economic challenges in a sustainable manner.

 

ABSTRAK

Rendahnya tingkat literasi keuangan dan terbatasnya pemahaman mengenai manajemen risiko masih menjadi tantangan yang dihadapi perempuan dalam mengelola keuangan keluarga maupun usaha, sehingga berpotensi memengaruhi ketahanan ekonomi rumah tangga. Pengabdian kepada masyarakat ini berfokus pada penguatan literasi keuangan dan manajemen risiko sebagai upaya meningkatkan kapasitas perempuan dalam mengambil keputusan keuangan yang tepat. Tujuan kegiatan ini adalah meningkatkan pengetahuan, keterampilan, dan kesadaran peserta mengenai pengelolaan keuangan, penyusunan anggaran, pencatatan keuangan, pengelolaan utang, tabungan, serta identifikasi dan mitigasi risiko keuangan. Metode yang digunakan adalah pendekatan partisipatif melalui penyuluhan, pelatihan, diskusi interaktif, studi kasus, dan praktik penyusunan anggaran serta pencatatan keuangan sederhana. Evaluasi dilakukan melalui observasi partisipasi peserta serta perbandingan tingkat pemahaman sebelum dan sesudah kegiatan. Hasil pengabdian menunjukkan adanya peningkatan pemahaman peserta mengenai prinsip-prinsip literasi keuangan dan manajemen risiko, meningkatnya kemampuan dalam menyusun perencanaan keuangan, serta tumbuhnya kesadaran akan pentingnya pengelolaan risiko untuk menjaga stabilitas ekonomi keluarga. Kegiatan ini diharapkan dapat menjadi langkah awal dalam memperkuat ketahanan ekonomi perempuan sehingga mampu menghadapi berbagai tantangan ekonomi secara lebih mandiri dan berkelanjutan.


Keywords


Literasi Keuangan, Manajemen Risiko, Ketahanan Ekonomi, Perempuan, Pengabdian Kepada Masyarakat

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DOI: https://doi.org/10.59818/jpm.v6i4.3197

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