Basic Financial Literacy Training Program as a Rural Communities Empowerment in the Digital Economy Era

Nur Asiyah Qudsi, Sri Nurhayati

Abstract


Large number of community members in rural area being duped by bogus investments, entangled with loan sharks, and having business difficulties. These situations demonstrate the lack of financial literacy within the rural communities. This study aimed to analyze the empowerment process of rural community through basic financial literacy improvement training program in Cidaun, Cianjur district. Method used in this study was descriptive with qualitative approach. The data collected through in-depth interviews, non participative observation, and documents study. The subject in this study were 10 family leaders in the rural communities of Cidaun, 1 social activist, and 1 Village leader. Data were analyzed through triangulation process to maintain its validity and reliability. The study found that the basic financial literacy training program was effective to improve rural communities’ basic financial literacy and raising the community’s awareness on how to deal proportionally with the upcoming digital economy. The study suggested that all stakeholders in the rural community to create sustainable financial literacy training program in this era of digital economy.

Keywords


Basic Financial Literacy Training Program; Rural Communities; Digital Economy; Empowerment

Full Text:

PDF

References


Ade Sadikin Akhyadi, Rika Fitri Ramadani, H. L. S. (2020). Strategy Empowerment Weed Scavengers and Weed Craftsmen Through a “Holistic Development” Approach. Jurnal Empowerment, 9, 1–11.

Adzkiya, A. (2018). Analisis Perilaku Konsumtif dan Faktor Pendorongnya (Vol. 1, Issue 1) [UIN Syarif Hidayatullah Jakarta]. http://www.fao.org/3/I8739EN/i8739en.pdf%0Ahttp://dx.doi.org/10.1016/j.adolescence.2017.01.003%0Ahttp://dx.doi.org/10.1016/j.childyouth.2011.10.007%0Ahttps://www.tandfonline.com/doi/full/10.1080/23288604.2016.1224023%0Ahttp://pjx.sagepub.com/lookup/doi/10

Agustino, H. (2019). Pemberdayaan Masyarakat Berbasis Gerakan Literasi di Taman Baca Masyarakat Pondok Sinau Lentera Anak Nusantara. Jurnal Sosial Politik, 5(1), 142. https://doi.org/10.22219/sospol.v5i1.7890

Anugrahwanto, R. B., & Nurhayati, S. (2020). Implementation of Experiential Learning Approach To the Training of Character Development of Civil Servants in Ministry of Transportation Environment. Empowerment : Jurnal Ilmiah Program Studi Pendidikan Luar Sekolah, 9(2), 254–261.

Belmonte, J. L., Sánchez, S. P., Cano., E. V., & López Meneses, E. J. (2020). Análisis de la incidencia de la edad en la competencia digital del profesorado preuniversitario español. Revista Fuentes, 22(1), 75–87. https://doi.org/http://dx.doi.org/10.12795/revistafuentes.2020.v22.i1.07

Darwanto. (2012). Peran Entrepreneurship Dalam Mendorong Pertumbuhan Ekonomi Dan Peningkatan Kesejahteraan Masyarakat. Diseminasi Riset Terapan Bidang Manajemen & Bisnis Tingkat Nasional, 11–24. https://core.ac.uk/download/files/379/11735270.pdf

Halawa, O., Nurhayati, S., Rochana, S., & Siliwangi, I. (n.d.). Pemberdayaan untuk meningkatkan taraf hidup di Kampung Adat Cireundeu Cimahi. Journal.Ikipsiliwangi.Ac.Id.

Harahap, F. (2017). Pemberdayaan Masyarakat Pemulung Sampah Sungai Citarum Melalui Koperasi Bangkit Bersama Empowering Garbage-Gathering Community in Citarum River through Bangkit Bersama Cooperation. Jurnal Pendidikan Dan Pemberdayaan Masyarakat, 4(2), 180–186.

Hasan, E. S., & Nurhayati, S. (2012). Pendidikan Luar Sekolah Dan Pembangunan Manusia Indonesia. Empowerment, 1(1), 1–12.

Hudri, M. I., & Nurhayati, S. (2020). Pemanfaatan Aplikasi Whatsapp Pada Pelatihan. Jurnal Comm-Edu, 3(3), 238–244.

Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x

Ife, J. W., & Tesoriero, F. (2006). Community development : community-based alternatives in an age of globalisation. pearson.

Intadiyah, U., Nurhayati, S., & Rukanda, N. (2021). TRAINING MANAGEMENT OF MUKENA HOME INDUSTRY TO IMPROVE COMMUNITY ’ S ECONOMIC. Empowerment : Jurnal Ilmiah Program Studi Pendidikan Luar Sekolah, 10(2252), 23–34.

Jabar, R., Nurhayati, S., & Rukanda, N. (2021). Peningkatan Pemahaman Tentang Bahaya Narkoba Untuk Mewujudkan Desa Bersih Narkoba. JMM (Jurnal Masyarakat Mandiri), 5(6), 3557–3566.

Lin, C.-A., & Bates, T. C. (2022). Smart people know how the economy works: Cognitive ability, economic knowledge and financial literacy. Intelligence, 93(February), 101667. https://doi.org/10.1016/j.intell.2022.101667

Lusardi, A. (2019). Financial literacy and the need for financial education: evidence and implications. Swiss Journal of Economics and Statistics, 155(1), 1–8. https://doi.org/10.1186/s41937-019-0027-5

Lusardi, A., & Mitchell, O. S. (2008). NBER WORKING PAPER SERIES PLANNING AND FINANCIAL LITERACY: HOW DO WOMEN FARE? Planning and Financial Literacy: How Do Women Fare? NBER Working Paper No. 13750, 413–417. http://www.nber.org/papers/w13750

Lusardi, A., & Mitchell, O. S. (2011). Financial Literacy: Implication for Retirement Wellbeing. National Bureau of Economic Research, 17–39. http://www.nber.org/papers/w17078

Marcolin, S., & Abraham, A. (2006). Financial literacy research: current literature and future opportunities. Proceedings of the 3rd International Conference on Contemporary Business, Australia, September, 21–22.

Nurhayati, S. (2018). PENGEMBANGAN MODEL PELATIHAN DENGAN PENDEKATAN EXPERIENTIAL LEARNING UNTUK MENINGKATKAN KOMPETENSI ASESMEN PEMBELAJARAN BAGI PENDIDIK PAUD DI KOTA CIMAHI [Universitas Pendidikan Indonesia]. http://repository.upi.edu/35474/

Nurhayati, S. (2021). Pendidikan Masyarakat Menghadapi Digitalisasi. El-Markazi.

Nurhayati, S., & Falah, A. M. N. (2020). IMPLEMENTASI WORKSHOP LITERASI DIGITAL DALAM. JMM (Jurnal Masyarakat Mandiri), 4(3), 348–359.

Nurhayati, S., Fasa, M. I., Panjaitan, R., Indriyani, D., & Fadlyansyah, R. M. (2020). Digital Marketing Literacy for Marginalized Society To Improve Society’S Economic Empowerment. Conference.Loupiasconference.Org, 505–516.

Nurhayati, S., Noor, A. H., Musa, S., Jabar, R., & Abdu, W. J. (2022). A Digital Literacy Workshop Training Model for Child Parenting in a Fourth Industrial Era. HighTech and Innovation Journal, 3(3), 297–305.

Nurmawati, Nurhayati, S., & Noor, A. H. (2021). IMPROVING VOCATIONAL HIGH SCHOOL ALUMNI COMPETITIVENESS. Empowerment : Jurnal Ilmiah Program Studi Pendidikan Luar Sekolah, 10(1), 160–167.

Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). In Otoritas Jasa Keuangan (pp. 1–99).

Otoritas Jasa Keuangan. (2019). Survei Nasional Literasi dan Inklusi Keuangan Indonesia 2019. In Survey Report (pp. 1–26). www.ojk.go.id

Pramuka, B. A., Maghfiroh, S., & Sugiarto. (2017). literasi keuangan pengelola koperasi pondok pesantren di Kabupaten Banyumas. Pengembangan Sumber Daya Perdesaan Dan Kearifan Lokal Berkelanjutan VII, 7(1), 17–18.

Purnomo, A., Susanti, T., Rosyidah, E., Firdausi, N., & Idhom, M. (2021). Digital economy research: Thirty-five years insights of retrospective review. Procedia Computer Science, 197(2021), 68–75. https://doi.org/10.1016/j.procs.2021.12.119

Raharjo, K. (2018). Pemberdayaan Anak Jalanan Sebagai Upaya Pennyadaran Belajar Melalui Pendidikan Kesetaraan Di Kota Samarinda. Humanitas: Indonesian Psychologycal Journal, 13(2), 45–54.

Ramadani, R. F., Heryanto, N., Komar, O., & Hasanah, V. R. (2020). Community Empowerment through Social Compass Strategy : Case Study of Empowerment in Processing Waste and Water Hyacinth. Journal of Nonformal Education, 6(2), 139–147.

Srisuruk, P., & Silanoi, L. (2015). The Effect of Training Package Development in Preparing the Readiness for Secondary School Students in the Northeastern of Thailand toward Asean Community. Procedia - Social and Behavioral Sciences, 197(February), 413–419. https://doi.org/10.1016/j.sbspro.2015.07.158

Srisusilawati, P., Fasa, M. I., Nurhayati, S., Anugrahwanto, R. B., Hidayat, A. W., Sulaimawan, D., Fitri, A., Rahmayuni, S., & Zahra, D. N. (2021). The Nexus Between Dynamic Capability and Islamic Financial Literacy Towards Innovation of Small Medium Enterprises (SMEs) in Indonesia. Proceedings of the 1st Paris Van Java International Seminar on Health, Economics, Social Science and Humanities (PVJ-ISHESSH 2020), 535(2), 36–39. https://doi.org/10.2991/assehr.k.210304.008

Sudiapermana, E., & Muslikhah. (2020). The Transformation of Sustainable Community Empowerment Based. Journal of Nonformal Education, 6(1), 36–43.

Sugiyono. (2018). Metode Penelitian Kuantitatif, Kualitaatif, dan R&D (Sutopo (ed.)). Alfabeta.

Sulaiman, A. I., Masrukin, M., Chusmeru, C., & Pangestuti, S. (2016). Pemberdayaan Koperasi Pondok Pesantren sebagai Pendidikan Sosial dan Ekonomi Santri. Jurnal Pendidikan Dan Pemberdayaan Masyarakat, 3(2), 109. https://doi.org/10.21831/jppm.v3i2.11303

Widodo, F. (2018). Evaluasi partisipasi masyarakat pada pembangunan infrastruktur dalam konteks pemberdayaan masyarakat An evaluation of social participation in infrastructure development for social empowerment context. Jurnal Penididkan Dan Pemberdayaan Masyarakat, 5(2), 108–121.

Yussof, I., & Ismail, R. (2002). Human Resource Competitiveness and Inflow of Foreign Direct Investment. Development, 9(1), 89–107. Zuraya, N. (2016). Indonesia Urutan Ketiga Dunia yang Tidak Melek Keuangan. https://www.republika.co.id/berita/o42ets383/indonesia-urutan-ketiga-dunia-yang-tidak-melek-keuangan




DOI: http://dx.doi.org/10.37905/aksara.9.2.997-1008.2023

Refbacks

  • There are currently no refbacks.


Copyright (c) 2023 Aksara: Jurnal Ilmu Pendidikan Nonformal

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Publisher:
Magister Pendidikan Nonformal Pascasarjana Universitas Negeri Gorontalo
Jl. Soedirman No. 06 Gorontalo 96128 e-mail: jurnalaksara@ung.ac.id
http://ejurnal.pps.ung.ac.id