Egha Ezar J.P.H, Prasojo Prasojo, Dinik Fitri Rahajeng Pangestuti

Perencanaan Keuangan Bagi Pekerja Migran Indonesia di Sektor Informal

Introduction

Perencanaan keuangan bagi pekerja migran indonesia di sektor informal. Pelajari perencanaan keuangan penting bagi pekerja migran Indonesia di sektor informal di Malaysia. Program ini bantu mereka mengelola keuangan, menabung, & berinvestasi untuk masa depan keluarga.

Abstract

There are not a few Indonesian migrant workers in Malaysia. Many of them are workers in the informal sector. As migrant workers, sometimes they have to be able to manage their finances in order to survive there, for their families in Indonesia, and save for the future. The community service program carried out by the lecturers of the FEBI UIN Suka Sharia Accounting study program regarding financial planning is very helpful for migrant workers in Malaysia, especially workers in the informal sector. Not a few of them are interested in starting to plan their finances, starting from daily expenses to investing in the future.

Review

The submitted paper, "Perencanaan Keuangan Bagi Pekerja Migran Indonesia di Sektor Informal," addresses a highly pertinent and critical issue concerning the financial well-being of Indonesian migrant workers (PMI) in the informal sector in Malaysia. The abstract highlights the significant challenges faced by this vulnerable demographic in managing their finances for daily sustenance, family remittances, and future savings. It presents a community service program initiated by lecturers from the FEBI UIN Suka Sharia Accounting study program as an intervention designed to equip these workers with essential financial planning skills. This initiative demonstrates a commendable commitment to applying academic expertise to solve real-world problems. While the practical intent and positive initial reception of the program are admirable, the abstract primarily functions as a report of a community service activity rather than a robust academic paper. To elevate its contribution to scholarly literature, the paper needs to significantly expand on its methodological rigor and present concrete evidence of impact. The abstract states the program was "very helpful" and that many workers were "interested," but it lacks specifics on *how* helpfulness was measured, *what* specific financial planning content was delivered, *how* engagement was fostered, and *what* tangible changes in knowledge, attitudes, or intended behaviors resulted. A detailed methodology outlining the program design, curriculum, participant selection, and evaluation instruments (both quantitative and qualitative) is crucial. Furthermore, the paper could benefit from discussing the theoretical underpinnings of the financial planning intervention and how it aligns with existing literature on financial literacy and behavioral economics in migrant populations. In conclusion, the paper tackles an extremely relevant social issue and showcases a valuable community outreach effort. However, for it to be considered a significant contribution to a scholarly journal, substantial revisions are required to transform it from an activity report into a research-informed analysis. The authors should focus on providing a comprehensive methodological framework, presenting empirical data on the program's outcomes and impact, and discussing the implications of their findings in the broader context of migrant financial literacy. With these enhancements, the paper has the potential to offer valuable insights and serve as a model for similar interventions aimed at improving the financial resilience of migrant workers globally.

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