Galuh Adi Insani, Rendra Nandira Widriati, Arul Pujo Utomo

Peningkatan Kesejahteraan Rumah Tangga Melalui Program Sosialisasi dan Implementasi Panduan Perencanaan Keuangan Keluarga

Introduction

Peningkatan kesejahteraan rumah tangga melalui program sosialisasi dan implementasi panduan perencanaan keuangan keluarga. Tingkatkan kesejahteraan rumah tangga dengan panduan perencanaan keuangan keluarga. Program pelatihan interaktif ini efektif tingkatkan literasi finansial & pengambilan keputusan keuangan bijak.

Abstract

Perencanaan keuangan keluarga semakin penting di tengah meningkatnya kompleksitas produk keuangan dan ketidakpastian ekonomi global serta nasional. Untuk itu, program "Panduan Perencanaan Keuangan Keluarga" dilaksanakan guna meningkatkan literasi keuangan anggota PKK di Desa Jetis, Kecamatan Bandungan, Kabupaten Semarang, Provinsi Jawa Tengah. Program ini dirancang dalam beberapa tahap dan dikemas menjadi pelatihan interaktif mencakup sesi pre-test, penyampaian materi melalui modul, presentasi media sosialisasi, implementasi praktis, serta post-test untuk menilai pemahaman akhir. Sebanyak 36 peserta mengikuti pelatihan selama tiga jam dengan hasil evaluasi menunjukkan bahwa terdapat peningkatan signifikan dalam pemahaman peserta setelah pelatihan. Peserta yang sebelumnya memiliki tingkat literasi keuangan rendah menunjukkan peningkatan yang substansial setelah menerima pelatihan. Keberhasilan program ini menegaskan bahwa “Panduan Perencanaan Keuangan Keluarga” efektif dalam membantu masyarakat memahami dan mengelola keuangan rumah tangga secara lebih baik, khususnya di Desa Jetis. Melalui peningkatan literasi keuangan, peserta diharapkan mampu mengambil keputusan finansial yang lebih bijak dan berkelanjutan di masa depan.

Review

This paper presents a timely and relevant intervention focusing on enhancing household welfare through improved financial literacy. Titled "Peningkatan Kesejahteraan Rumah Tangga Melalui Program Sosialisasi dan Implementasi Panduan Perencanaan Keuangan Keluarga," the study details a program designed to empower PKK members in Desa Jetis, Central Java, with essential financial planning skills. Amidst increasing economic complexity and uncertainty, the initiative aimed to boost financial literacy through an interactive training module, encompassing pre- and post-tests, material delivery, and practical implementation. The core finding indicates a significant increase in participants' understanding, particularly for those initially identified with low financial literacy, demonstrating the program's immediate educational impact. The program's strength lies in its practical, community-focused approach and its clear demonstration of effectiveness in improving financial understanding. By directly engaging local community members (PKK) and employing a structured, interactive training format over three hours, the initiative successfully translated complex financial concepts into actionable knowledge. The use of pre- and post-tests provides a valuable quantitative measure of the immediate learning outcomes. However, while the title suggests an improvement in "household welfare," the abstract's primary reported outcome is an increase in "understanding" and "literacy." Future iterations or a more comprehensive reporting could elaborate on the specific metrics or qualitative observations linking enhanced literacy directly to tangible improvements in household financial practices and welfare, beyond the expectation of wiser decisions. Further details on the statistical significance and magnitude of the observed improvements would also strengthen the findings. Overall, this work makes a valuable contribution to the field of financial education and community empowerment, offering a replicable model for improving financial literacy at the grassroots level. The successful implementation in Desa Jetis underscores the potential for targeted educational programs to foster more informed financial decision-making within households. For future research, it would be beneficial to conduct longitudinal studies to assess the long-term impact on participants' financial behavior, actual welfare indicators, and the sustainability of the knowledge gained. Furthermore, exploring the generalizability of this "Panduan Perencanaan Keuangan Keluarga" across different cultural and socioeconomic contexts could provide broader insights for national or regional financial inclusion strategies.

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