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Universitas Islam Negeri Sunan Kudus
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Sosialisasi Produk Kredit Profesi Guru Bersertifikasi (KPGB) Sebagai Upaya Peningkatan Literasi Keuangan Guru di Kabupaten Jepara Cahaya Maulida Dewi; Rendy Firmansah; Dwi Faris Firman Syah; Ridwan
Sambulu Gana : Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2026): Januari 2026
Publisher : Lembaga Penelitian dan Pengabdian Pada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/sambulu_gana.v5i1.8746

Abstract

Kegiatan Pengabdian Kepada Masyarakat (PKM) ini bertujuan meningkatkan literasi keuangan guru melalui sosialisasi Produk Kredit Profesi Guru Bersertifikasi (KPGB) yang ditawarkan PT BPR Nusumma Jateng Cabang Jepara selain produk kredit yang ditawarkan, ada juga pruduk tabungan dan deposito. Program ini dilatarbelakangi oleh rendahnya pemahaman guru terhadap mekanisme, manfaat, dan risiko produk kredit yang sesuai dengan profesi mereka. Berlandaskan kajian literatur mengenai literasi keuangan, inklusi keuangan, dan lembaga peran perbankan, kegiatan ini dirancang menggunakan metode Service Learning dengan pendekatan praktik pengembangan masyarakat. Tim pelaksana terdiri dari mahasiswa Program Studi Perbankan Syariah UIN Sunan Kudus bersama karyawan BPR Nusumma, yang melaksanakan sosialisasi di SD Negeri 1–2 Krasak Pecangaan dan SD Negeri 2 Jebol Mayong Jepara. Materi disampaikan secara langsung dan interaktif tanpa media presentasi, meliputi pengenalan produk KPGB, keamanan produk yang mencakup OJK dan dijamin LPS, serta pentingnya pengelolaan pinjaman yang bijak. Hasil observasi menunjukkan tingginya antusiasme peserta, terlihat dari keaktifan bertanya dan adanya guru yang langsung membuka tabungan atau mempertimbangkan KPGB sebagai solusi pembiayaan. Program ini memperluas pemahaman guru mengenai akses pembiayaan, sekaligus menekankan pentingnya kolaborasi dunia pendidikan dan perbankan dalam memperkuat literasi keuangan di kabupaten Jepara.
The Influence of Income, Planning, Financial Literacy to Financial Management of Muslim MSMEs in Kudus Regency Ahmad Nilnal Munachifdlil Ula; Faridhatun Faidah; Indah Puspita Maharani; Diah Ayu Susanti; Mohammad Khasan; Ridwan
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 5 (2026): Volume 4, Issue 5, September 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i5.1105

Abstract

Purpose  –  This study aims to analyze the influence of income, financial planning, and financial literacy on the financial management of Muslim MSMEs in Kudus Regency. Design/Methodology/Approach – A quantitative approach was applied in this study by distributing questionnaires using purposive sampling to 96 Muslim MSMEs in Kudus. The collected primary data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 3 software. The analysis included measurement model evaluation, structural model evaluation, bootstrapping, coefficient of determination, and model fit assessment. Findings/Results – The empirical results show that income (β = 0.439, p < 0.001) and financial planning (β = 0.386, p = 0.009) have positive and statistically significant effects on the financial management of Muslim MSMEs in Kudus. Conversely, financial literacy does not have a statistically significant effect (β = 0.119, p = 0.160), indicating that financial knowledge alone does not necessarily translate into effective financial management practices within this specific socio-religious context. The model demonstrates explanatory power (R² = 0.651) and highlights the roles of income and financial planning in shaping financial management behavior. These findings indicate that financial capacity and structured planning are more directly associated with financial management outcomes in this context. Originality/Value – This study extends the behavioral finance literature by contextualizing the findings within a specific religio-regional ecosystem. It uses the local cultural philosophy of "Gusjigang" as an analytical lens to deconstruct the literacy paradox and explain why standard conventional financial indicators fail to translate into concrete financial management practices among traditional Muslim traders.
Co-Authors Ahmad Nilnal Munachifdlil Ula Cahaya Maulida Dewi Diah Ayu Susanti Dwi Faris Firman Syah Faridhatun Faidah Indah Puspita Maharani Mohammad Khasan Rendy Firmansah