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All Journal Jurnal Ilmu Sosial dan Humaniora Priviet Social Sciences Journal
Mega Rahmawati
Universitas Islam Negeri Sunan Kalijaga Yogyakarta
Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Perempuan dan Literasi Finansial dalam Rumah Tangga: Sintesis Literatur Gender dan Ekonomi Wahyu Wibowo; Alda Fildza Amima; Mega Rahmawati; Ahmad Wildan Raikhana; Najma Arum S Lessy
SOSMANIORA: Jurnal Ilmu Sosial dan Humaniora Vol. 5 No. 1 (2026): Maret 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/sosmaniora.v5i1.7354

Abstract

This study examines women’s financial literacy in the household context, highlighting women’s role as key economic agents in managing family finances. Financial literacy is viewed not just as a technical skill but as a social practice shaped by gender relations, cultural norms, and power structures within the household. Women often manage daily budgets, regulate routine expenses, and plan long-term needs, although strategic financial decisions such as investments are still dominated by men. The study finds that women’s financial literacy plays a critical role in enhancing household economic resilience, particularly in the face of economic shocks such as inflation and financial crises. Furthermore, good financial literacy enables women to manage family resources more efficiently, improving the family’s economic welfare and reducing social inequalities. The study also emphasizes the importance of policies that support women’s empowerment through inclusive financial education, to achieve gender equality in household financial management and encourage women’s economic participation in society.
Optimizing village empowerment through creative MSMEs, financial literacy, and government policies for poverty alleviation Wahyu Wibowo; Mega Rahmawati; Taufikur Rohman; Nasrudin Nasrudin; Zakiyudin Fikri
Priviet Social Sciences Journal Vol. 6 No. 3 (2026): March 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i3.1439

Abstract

This study examines village empowerment strategies for poverty alleviation through the integration of strengthening creative MSMEs based on local culture, increasing financial literacy (including digital financial literacy), and government policy support. The study uses a literature study by selecting and synthesizing research findings related to the concept of Cultural Independent Villages, creative entrepreneurship, financial inclusion, and collaborative governance models. The results of the synthesis show that local culture can be an endogenous capital that generates economic added value through creative products and services, while strengthening citizen participation. However, the growth of MSMEs is not sustainable without the ability to record finances, plan capital, and utilize secure digital financial services. Policy support is needed to build an ecosystem in the form of tiered mentoring, business incubation, pentahelix partnerships, access to financing, and market access through marketing digitalization. The study confirms that fragmented interventions tend to produce short-term impacts, so programs should be designed place-based with success indicators that include revenue, business sustainability, market expansion, and financial inclusion. Future agendas include cross-village integrative model testing, data-driven impact measurement, and risk and consumer protection assessments on digital financial literacy. Practically, the main recommendations are to build an applicable financial literacy curriculum, facilitate legality and product standardization, and strengthen culture-based branding so that MSMEs upgrade and their benefits are evenly distributed at the household level.
Co-Authors Ahmad Wildan Raikhana Alda Fildza Amima Najma Arum S Lessy Nasruddin Nasruddin Taufikur Rohman Wahyu Wibowo Zakiyudin Fikri