<![CDATA[Migrant workers’ remittances support household expenditure but do not necessarily lead to sustained productive assets when financial capability and institutional access remain limited. This article examines a 2025 transnational community service program linking Universitas Muhammadiyah Bengkulu, the Malaysian Special Branch of ‘Aisyiyah (PCIA Malaysia), regional government agencies, and two Sharia microfinance institutions. The participatory action research program enrolled 72 participants, including 41 migrants in Malaysia and 31 remittance-receiving family members in Bengkulu; 68 completed paired financial literacy assessments. Training combined six modules, joint transnational household sessions, business planning clinics, and institutional referral development. The mean composite financial literacy index rose from 42.8 to 76.4. At three-month follow-up, written budgeting was reported by 63.9% of tracked households compared with 11.5% at baseline, while dedicated savings instruments increased from 27.9% to 68.9%. Twenty-four enterprise plans were prepared, 18 assessed as bankable, 11 submitted for financing, and seven approved for a combined IDR 96.5 million. Nine enterprises were operational by November 2025. Productive remittance allocation increased from 8.3% to 21.6%. The partnership also established a memorandum of understanding, financial institution commitments, and an operating referral protocol. These findings document promising program outputs and reported behavioral change, although the absence of a control group limits causal attribution and longer-term sustainability remains unverified. The model illustrates how diaspora access, public-sector coordination, and financial services may be combined to strengthen household economic preparedness.]]>
