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PERILAKU KEUANGAN IBU PEKERJA: KAJIAN EMPIRIS DENGAN MODEL MODERASI FAKTOR SOSIAL DAN EKONOMI Nuraeni Hadiati Farhani; Dini Ayuning Ratri Sukimin; Asterina Anggaraini; Azzriel Rafi Handoko; Grasela Lasria Anatalia
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 2 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i2.3593

Abstract

Introduction: The dual role of women is increasingly prominent, with female labor force participation reaching 54.42% and around 14.37% of them being female breadwinners. In urban areas such as Bandung City, a dynamic economic condition requires good financial planning skills to maintain family welfare. Financial literacy is an important factor in shaping healthy financial behavior, but its effectiveness can be influenced by husband support. This study aims to analyze the effect of financial literacy on the financial planning behavior of working mothers with husband support as a moderating variable and income adequacy as a control variable. Methods: This study uses a quantitative approach with a survey method. Data were collected through the distribution of questionnaires to 100 working mother respondents in Bandung City. The analysis technique used is (PLS-SEM).Results: The research results show that financial literacy has a positive effect on the financial planning behavior of working mothers. Husband support strengthens this relationship, while income adequacy also contributes positively, confirming the importance of the synergy between financial capability, partner support, and economic stability in shaping healthy financial behavior. Keywords: Financial Literacy, Financial Planning Behavior, Income, Husband Support, Working Mothers  
PENGUATAN KAPASITAS KADER PKK SEBAGAI AGEN LITERASI KEUANGAN KELUARGA MELALUI PELATIHAN BERBASIS APLIKASI MOBILE Nuraeni Hadiati Farhani; Annisa Alifa Ramadhani; Maulana Agung Saputro; Siti Hanna Tri Setia; Raffi Zahran Arifansyah
COMMUNITY : Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 2 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/community.v6i2.14953

Abstract

ABSTRACT Limited family financial literacy remains a challenge in supporting community well-being. PKK cadres have a strategic position as financial literacy agents at the community level, but their capacity to provide education and assistance in family financial management needs to be strengthened. This community service activity aimed to strengthen the capacity of PKK cadres through mobile application-based family financial management training. The activity involved 15 PKK cadres in Abadijaya Village, Depok City, through needs identification, material preparation, pre-test, training, demonstration and practice using the SIMAK Finance application, mentoring, post-test, and evaluation. The evaluation used an instrument consisting of 15 indicators covering financial literacy knowledge, family financial management skills, and cadres’ readiness as family financial literacy agents. The results showed an increase in knowledge from 87% to 95%, skills from 80% to 93%, and cadres’ readiness from 76% to 91%. These findings indicate that integrating training with mobile application practice can strengthen cadres’ capacity to understand and apply family financial management and support their readiness to perform educational roles in the community. Further program development should focus on long-term mentoring and evaluation to support sustained implementation. ABSTRAK Keterbatasan literasi keuangan keluarga masih menjadi tantangan dalam mendukung kesejahteraan masyarakat. Kader PKK memiliki posisi strategis sebagai agen literasi keuangan di tingkat komunitas, tetapi kapasitas dalam memberikan edukasi dan pendampingan pengelolaan keuangan keluarga masih perlu diperkuat. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan kapasitas kader PKK melalui pelatihan pengelolaan keuangan keluarga berbasis aplikasi mobile. Kegiatan dilaksanakan kepada 15 kader PKK Kelurahan Abadijaya, Kota Depok, melalui tahapan identifikasi kebutuhan mitra, penyusunan materi, pre-test, pelatihan, demonstrasi dan praktik penggunaan aplikasi SIMAK Finance, pendampingan, post-test, dan evaluasi. Evaluasi menggunakan instrumen 15 indikator yang mencakup pengetahuan literasi keuangan, keterampilan pengelolaan keuangan keluarga, dan kesiapan kader sebagai agen literasi keuangan keluarga. Hasil evaluasi menunjukkan peningkatan pengetahuan dari 87% menjadi 95%, keterampilan dari 80% menjadi 93%, dan kesiapan kader dari 76% menjadi 91%. Temuan ini menunjukkan bahwa integrasi pelatihan dengan praktik penggunaan aplikasi mobile dapat memperkuat kapasitas kader dalam memahami dan menerapkan pengelolaan keuangan keluarga serta mendukung kesiapan menjalankan peran edukatif di masyarakat. Pengembangan program selanjutnya perlu diarahkan pada pendampingan dan evaluasi jangka panjang secara berkelanjutan.