From literacy to investment: Empowering Muhammadiyah schools in Sukabumi
DOI:
https://doi.org/10.20414/transformasi.v21i1.13225Keywords:
education, financial literacy, service learning, investment strategy, Muhammadiyah Sukabumi Vocational School/High SchoolAbstract
[Bahasa]: Rendahnya tingkat literasi finansial di Indonesia, khususnya di kalangan pelajar dan pendidik, menjadi tantangan serius dalam menciptakan masyarakat yang cerdas secara finansial. Berdasarkan survei OJK tahun 2022, indeks literasi keuangan nasional baru mencapai 49,68%, jauh di bawah target 75%. Guru sebagai agen pendidikan, serta siswa sebagai generasi penerus, perlu mendapatkan pemahaman yang kuat mengenai pengelolaan keuangan dan investasi sejak dini. Menjawab tantangan tersebut, kegiatan pengabdian kepada masyarakat ini dilaksanakan dengan tujuan untuk meningkatkan literasi keuangan dan pemahaman strategi investasi bagi guru dan siswa SMA/SMK Muhammadiyah Sukabumi. Kegiatan ini diharapkan dapat memberikan bekal pengetahuan yang aplikatif dalam menghadapi tantangan ekonomi modern, termasuk risiko investasi ilegal, pinjaman online, dan judi online. Metode yang digunakan adalah service learning, dengan melibatkan dosen, mahasiswa, guru, dan siswa dalam dua sesi edukasi. Sesi pertama membahas literasi keuangan dasar, seperti pengelolaan pemasukan dan pengeluaran, perbedaan kebutuhan dan keinginan, tabungan, serta pengelolaan anggaran. Sesi kedua membahas strategi menentukan investasi, termasuk pemahaman jenis-jenis investasi, profil risiko, teknik memilih investasi, serta pentingnya legalitas dan diversifikasi. Hasil evaluasi yang diukur melalui pretest dan posttest menunjukkan peningkatan pemahaman yang signifikan. Rata-rata skor literasi keuangan meningkat dari 48,57% menjadi 81,29%, sedangkan pemahaman tentang strategi investasi meningkat dari 37,81% menjadi 80,31%. Hasil ini membuktikan efektivitas program dalam meningkatkan pengetahuan dan kesadaran peserta terhadap pentingnya pengelolaan keuangan yang cerdas dan aman. Program ini direkomendasikan sebagai model edukasi berkelanjutan dalam meningkatkan indeks literasi keuangan nasional, khususnya di lingkungan pendidikan menengah.
Kata Kunci: edukasi, literasi financial, service learning, strategi investasi, SMK/SMA Muhammadiyah Sukabumi
[English]: The inadequate financial literacy in Indonesia, particularly among students and educators, poses a significant obstacle to the development of a financially astute society. According to the 2022 OJK poll, the national financial literacy score is at merely 49.68%, much below the aim of 75%. Educators and pupils, as the forthcoming generation, must acquire a robust comprehension of financial and investment management from an early age. In response to these problems, this community service initiative was conducted to enhance financial literacy and comprehension of investment techniques for the educators and students of Muhammadiyah Sukabumi High School/Vocational School. This activity aims to impart knowledge relevant to addressing contemporary economic difficulties, such as the risks associated with illicit investments, online loans, and internet gambling. The employed methodology is service learning, engaging lecturers, students, instructors, and pupils in two educational sessions. The initial session addressed fundamental financial literacy, including income and expenditure management, distinctions between needs and wants, saves, and budgetary oversight. The second session addressed ways for evaluating investments, encompassing the comprehension of investment categories, risk profiles, selection methodologies, and the significance of legality and diversification. The evaluation results, assessed by the pretest and posttest, indicated a substantial enhancement in comprehension. The mean financial literacy score rose from 48.57% to 81.29%, and comprehension of investment techniques improved from 37.81% to 80.31%. These results demonstrate the program's efficacy in enhancing participants' knowledge and awareness of the significance of prudent and secure financial management. This program is endorsed as a paradigm of ongoing instruction for enhancing the national financial literacy index, particularly within the secondary education context.
Keywords: education, financial literacy, service learning, investment strategy, Muhammadiyah Sukabumi Vocational School/High School
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