PELATIHAN LITERASI KEUANGAN DAN MANAJEMEN KEUANGAN KELUARGA DESA PARANGARGO

Abstract

The low level of financial literacy among rural communities in Indonesia reflects a structural gap between national financial inclusion policies and the reality of household financial management at the village level, where the financial literacy index for rural groups only reaches 43.32 percent, women 47.02 percent, and farmers and farm laborers 37.91 percent according to the 2022 OJK National Survey on Financial Literacy and Inclusion. This community service program aims to enhance household financial management capacity through community-based financial literacy training in Parangargo Village, Wagir District, Malang Regency, targeting 40 active members of PKK and Posyandu cadres as participants. The implementation method employs a participatory-transformative approach in four sequential phases: needs assessment through in-depth interviews, training delivery in four sessions with a 30:70 ratio of lectures to participatory activities covering simple bookkeeping, short-term and long-term financial planning, introduction to savings instruments and micro-insurance, and strategies to avoid loan sharks, four-week post-training mentoring, and impact evaluation using mixed-methods. Evaluation results six weeks post-training indicate that 82.5 percent of participants adopted daily financial recording practices, 67.5 percent developed simple monthly budgets, 55 percent opened new savings accounts at formal financial institutions, and dependency on loan shark borrowing decreased from 35 percent to 7.5 percent, although structural barriers such as limited digital literacy and relational resistance from male family members were still found within the patriarchal cultural context. This program demonstrates that financial behavioral change among rural communities can occur when interventions are designed contextually and participatively by leveraging existing community structures, and confirms the importance of integrating financial education into village institutions such as PKK and Posyandu, providing diverse access channels to formal financial services according to community capacity, and continuous mentoring to ensure sustainability of learned financial practices.