<![CDATA[ABSTRACT This community service program aims to strengthen the financial literacy and financial management skills of the Family Welfare Empowerment (PKK) members and Micro, Small, and Medium Enterprise (MSME) actors in Juruan Daya Village, Sumenep Regency. The program targeted PKK members, micro and small business actors, and community representatives through a community-based empowerment approach encompassing needs assessments, focus group discussions (FGDs), interactive training, guided practice utilizing a manual bookkeeping tool (BookNote), small-group mentoring, and reflective evaluation. A total of 28 participants were involved in this program. The outcomes demonstrated an increase in participants' understanding of budgeting, expenditure prioritization, saving strategies, prudent debt management, and the utilization of digital payment services such as QRIS (Quick Response Code Indonesian Standard). Furthermore, the program encouraged more disciplined bookkeeping practices and heightened participants' awareness of financial risks, including online loans, "buy now, pay later" schemes, and online gambling. These findings underscore that contextual learning, simple bookkeeping tools, and group mentoring constitute effective strategies for sustainably strengthening the financial capacity of the rural community in Juruan Daya Village, Sumenep Regency. Keywords: community empowerment, financial literacy, MSMEs, QRIS, rural development ABSTRAK Program pengabdian kepada masyarakat ini bertujuan memperkuat literasi keuangan dan pengelolaan keuangan ibu-ibu PKK dan pelaku UMKM di Desa Juruan Daya, Kabupaten Sumenep. Sasaran kegiatan meliputi ibu-ibu PKK, pelaku usaha mikro dan kecil, serta perwakilan masyarakat melalui pendekatan pemberdayaan berbasis komunitas yang mencakup asesmen kebutuhan, focus group discussion, pelatihan interaktif, praktik terbimbing menggunakan BookNote pencatatan manual, pendampingan kelompok kecil, dan evaluasi reflektif. Sebanyak 28 peserta terlibat dalam kegiatan ini. Hasil pelaksanaan menunjukkan adanya peningkatan pemahaman peserta mengenai penyusunan anggaran, prioritas pengeluaran, strategi menabung, pengelolaan utang secara bijak, dan pemanfaatan layanan pembayaran digital seperti QRIS. Kegiatan ini juga mendorong praktik pencatatan yang lebih tertib serta meningkatkan kewaspadaan peserta terhadap risiko keuangan, termasuk pinjaman online, paylater, dan judi online. Temuan tersebut menegaskan bahwa pembelajaran kontekstual, alat bantu pencatatan sederhana, dan pendampingan kelompok merupakan strategi efektif untuk memperkuat kapasitas finansial masyarakat desa Juruan Daya, Kabupaten Sumenep secara berkelanjutan. Kata Kunci: literasi keuangan, pemberdayaan masyarakat, UMKM, pembangunan perdesaan, QRIS]]>
