Sucihatiningsih Dian Wisika Prajanti, Aldias Bahatmaka, Markus Diantoro, Herlin Pujiarti, Prihatini Retnaningsih

Economic Empowerment of Indonesian Migrant Workers in South Korea Through Digital-Based Financial Literacy

Introduction

Economic empowerment of indonesian migrant workers in south korea through digital-based financial literacy. Empower Indonesian migrant workers (PMI) in South Korea with digital financial literacy. This program uses Design Thinking to boost economic empowerment and financial planning for sustainable impact.

Abstract

Indonesian Migrant Workers (PMI) contribute significantly to the national economy through remittances, but still face challenges in managing their finances wisely. The low level of financial literacy and limited utilization of digital financial services cause many PMIs to have difficulties in long-term financial planning. This service program aims to empower Indonesian migrant workers in South Korea through digital-based financial literacy training using the Design Thinking approach. Five stages in this method: Empathize, Define, Ideate, Prototype, and Test, are used to design learning media that suits user needs. The results of the activity showed that the developed media, in the form of online modules, leaflets, and training videos, were rated as excellent by experts and migrant practitioners with an average score of 3.71 on a scale of 4. The evaluation also showed that this media is easy to understand, relevant to the needs of migrant workers, and has the potential to be developed sustainably. This service not only improves the financial literacy of migrant workers, but also opens up opportunities for program replication in other migrant communities.

Review

This service program addresses a crucial issue concerning the financial well-being of Indonesian Migrant Workers (PMI), whose substantial contributions to the national economy are often undermined by a lack of financial literacy. The initiative's strength lies in its innovative approach: leveraging digital-based training developed through the rigorous, user-centric Design Thinking methodology. By moving beyond traditional methods and focusing on tailored learning media—online modules, leaflets, and training videos—the program demonstrates a forward-thinking strategy to empower PMIs. The high expert and practitioner ratings (3.71/4) for the developed media attest to its quality, relevance, and ease of understanding, making a strong case for its immediate utility. While the abstract effectively outlines the program's aims and positive initial results, some further details would enhance its academic rigor. Specifically, elaborating on how the five Design Thinking stages concretely shaped the content and delivery of the training would provide valuable insights into its methodological application. For instance, what specific needs were identified during the 'Empathize' and 'Define' stages, and how were these translated into the 'Ideate' and 'Prototype' phases of the learning media? Additionally, understanding the demographics and specific roles of the "experts and migrant practitioners" involved in the evaluation, and whether actual PMIs participated in the 'Test' phase for real-world validation, would strengthen the claims of user-centric design and relevance. Overall, this service program represents a highly commendable and impactful effort to tackle a significant socio-economic challenge. Its emphasis on digital literacy and a structured design approach makes it particularly relevant in today's interconnected world. The program's potential for replication in other migrant communities is a key takeaway, suggesting a scalable model for financial empowerment. Future research could focus on longitudinal studies to assess the actual behavioral changes and long-term financial stability of participating PMIs, further solidifying the program's profound contribution to both the migrant community and the broader field of financial education.

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