PENINGKATAN LITERASI KEUANGAN BAGI ANGGOTA KOPERASI PEMBERDAYAAN UMMAT DAARUT TAUHID UNTUK PENGELOLAAN KEUANGAN YANG BERKELANJUTAN
Abstract
Low levels of financial literacy remain a challenge in personal financial management, including among cooperative members. The Student Creativity Program (PKM) aims to improve the financial literacy of members of the Daarut Tauhid Community Empowerment Cooperative through an educational approach based on Islamic values. The program involved training, simulations, and group discussions involving 40 active participants. Pre- and post-test results showed a significant increase in participants' understanding of financial planning, debt management, and the importance of financial record-keeping. An educational module was also developed as a practical guide for participants. This activity encouraged the formation of financial study groups as a form of program sustainability. In conclusion, community-based financial literacy education and spiritual values are effective in encouraging changes in wiser and more sustainable financial behavior.References
Amelia, R. W., & Nofiana, L. (2023). Pelatihan Penyusunan Laporan Keuangan Secara Sederhana Pada Paguyuban Grand Viona Kuripan Ciseeng Bogor: Pelatihan Penyusunan Laporan Keuangan Secara Sederhana Pada Paguyuban Grand Viona Kuripan Ciseeng Bogor. Abdi Jurnal Publikasi, 2(2), 40-44.
Atkinson, A., & Messy, F. A. (2012). Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study. OECD Working Papers on Finance, Insurance and Private Pensions, No. 15.
Barrows, H. S. (1986). "A Taxonomy of Problem-Based Learning Methods." Medical Education, 20(6), 481-486.
Graham, C. R. (2006). "Blended Learning Systems: Definition, Current Trends, and Future Directions." In The Handbook of Blended Learning: Global Perspectives, Local Designs, 3-21. San Francisco: Pfeiffer.
Kahneman, D., & Tversky, A. (1979). "Prospect Theory: An Analysis of Decision under Risk." Econometrica, 47(2), 263-291.
Kolb, D. A. (1984). Experiential Learning: Experience as the Source of Learning and Development. Englewood Cliffs, NJ: Prentice Hall.
Knowles, M. S. (1980). The Modern Practice of Adult Education: From Pedagogy to Andragogy. Cambridge: Cambridge Adult Education.
Wenger, E. (1998). Communities of Practice: Learning, Meaning, and Identity. Cambridge: Cambridge University Press.
Zainuddin, M. (2019). Manajemen Keuangan Syariah: Teori dan Praktik. Jakarta: Kencana.
Sugiyono. (2020). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Otoritas Jasa Keuangan (OJK). (2022). Survei Nasional Literasi dan Inklusi Keuangan 2022. Jakarta: OJK.
Bank Indonesia. (2021). Laporan Perekonomian Indonesia 2021. Jakarta: Bank Indonesia.
Badruzaman, D. (2019). Riba Dalam Perspektif Keuangan Islam. Al Amwal, (2), 49-69.
Hassan, M. K., & Lewis, M. K. (2007). Islamic Finance: Principles and Practice. London: Pearson Education.
Hidayat, A., Sari, W. I., Amelia, R. W., Luthfi, A. M., & Nofiana, L. Pelatihan Penyusunan Laporan Keuangan UMKM Bagi Warga Rt 006/rw 10, Kampung Cimuncang, Desa Karangnunggal, Tasikmalaya, Jawa Barat. Dedikasi PKM, 3(1), 67-72.
Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
