Integrasi Praktik Pengelolaan Keuangan Harian sebagai Strategi Penguatan Ketahanan Ekonomi Keluarga Rentan

Sulkiah

doi:10.63982/dharmabakti.pq6hkg73

Authors

Sulkiah Universitas Gunung Rinjani Author

DOI:

https://doi.org/10.63982/dharmabakti.pq6hkg73

Keywords:

Edukasi keuangan, Ketahanan ekonomi, Keluarga rentan, keuangan rumah tangga, Literasi keuangan

Abstract

Ketidakstabilan ekonomi global dalam dua dekade terakhir telah meningkatkan kerentanan ekonomi rumah tangga, terutama pada kelompok berpendapatan rendah yang memiliki keterbatasan dalam perencanaan dan pengelolaan keuangan sehari-hari. Kondisi ini menegaskan urgensi intervensi literasi keuangan yang tidak hanya bersifat konseptual, tetapi juga aplikatif dan berkelanjutan. Artikel ini bertujuan untuk meningkatkan kemampuan pengelolaan keuangan rumah tangga keluarga rentan melalui edukasi literasi keuangan berbasis praktik pencatatan sederhana dan simulasi pengambilan keputusan finansial. Kegiatan pengabdian dilaksanakan menggunakan pendekatan Sequential Explanatory Mixed Methods, dengan tahapan asesmen awal kondisi keuangan rumah tangga, implementasi edukasi literasi keuangan berbasis praktik, serta evaluasi pasca-edukasi untuk menilai keberlanjutan perubahan perilaku. Sasaran kegiatan adalah keluarga rentan dengan karakteristik pendapatan tidak tetap dan minim pengalaman pencatatan keuangan. Hasil menunjukkan bahwa program mampu mendorong adopsi praktik pengelolaan keuangan harian serta perubahan cara pandang keluarga terhadap keuangan sebagai alat refleksi dan pengendalian ekonomi. Temuan kualitatif mengungkap peningkatan kesadaran pola pengeluaran, disiplin belanja, dan rasa percaya diri finansial, meskipun keberlanjutan praktik dipengaruhi oleh faktor waktu, kebiasaan lama, dan tekanan kebutuhan mendesak. Secara keseluruhan, kegiatan ini berdampak positif terhadap penguatan kapasitas ekonomi keluarga dan berpotensi meningkatkan ketahanan ekonomi rumah tangga dalam jangka panjang. Program ini terbukti efektif, relevan untuk direplikasi di konteks serupa, dan memiliki prospek keberlanjutan melalui integrasi dengan program pemberdayaan dan kebijakan perlindungan sosial

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