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Septian Enggar Sukmana
Politeknik Negeri Malang
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Journal : Jurnal Pengabdian UNDIKMA

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Financial Empowerment Through Mindful Spending Program Among Indonesians in Japan Sari, Dhany Efita; Hidayati, Isnaya Arina; Suranto; Sumaryati, Sri; Sukmana, Septian Enggar; Sa’adah, Nur Aeni
Jurnal Pengabdian UNDIKMA Vol. 7 No. 2 (2026): May
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v7i2.19761

Abstract

This community service program aims to enhance financial confidence and mental resilience among Indonesians in Japan through a mindful spending intervention that integrates financial literacy with emotional awareness. Mindful spending emphasizes conscious financial decision-making by aligning spending behavior with personal priorities and psychological well-being. The program was implemented through two online educational sessions and one face-to-face (F2F) workshop using a Brief Intervention Training approach. A total of 29 participants attended the online sessions, which covered the theoretical foundations of mindful spending, financial mental health, and contextual financial practices in Japan. Furthermore, 15 participants participated in the F2F workshop held at the Indonesian Mosque in Tokyo, where they engaged in scenario-based exercises involving promotional discounts, lifestyle spending, and competing financial priorities. Participants documented their responses and reflected on their decision-making processes during group discussions. Data were collected through post-program questionnaires and analyzed using descriptive statistics and correlation analysis. The findings revealed high levels of mindful spending (M = 4.08), mental resilience (M = 4.06), and financial confidence (M = 4.04). Strong positive correlations were identified between mental resilience and financial confidence (r = .80), as well as between financial responsibility and financial confidence (r = .77). Overall, participants reported improved financial awareness and emotional regulation after the program. These results indicate that integrating financial literacy with psychological resilience through mindful spending is an effective approach to empowering the Indonesian diaspora in managing financial challenges abroad.
Co-Authors Adhitya Nugraha Adi, Prajanto Wahyu Afandi, Yosi Akmaludin Akbar Amalia, Astrifidha Rahma Ananta, Ahmadi Yuli Annisa Puspa Kirana Anugrah Nur Rahmanto Ariadi Retno Tri Hayati Ririd Arie Rachmad Syulistyo Arkav Juliandri Arkav Juliandri Arwin Datumaya Wahyudi Sumari Ashafidz Fauzan Dianta, Ashafidz Fauzan Ataka, Ion Bagas Satya Dian Nugraha Devi Zettyara Devi, Fitri Mutiara Dewi Nurfitri Oktaviani Dhany Efita Sari Dien, Habibie Ed Dika Rizky Yunianto Dimas Trenggono Adi Dimas Wahyu Wibowo Dwi Harini Sulistyawati Ely Nur Rahayu Fahri Firdausillah Farah Zakiyah Rahmanti Gusedy, Nura Ursula Hafidhoh, Nisa ul Hendra Pradibta Hendrawan, Muhammad Afif Hendrawan, Muhammad Afif Heru Agus Santoso Ikawati, Deasy Sandhya Elya Indra Dharma Wijaya, Indra Dharma Ion Ataka Isnaya Arina Hidayati Jarnuzi, Ahmad Kurniawan, Defri Maskur, M Moch Zawaruddin Abdullah Muhammad Shulhan Khairy Muhammad Shulhan Khairy Muljono, - Nilawati Fiernaningsih Ningrum, Novita Kurnia Nisa'ul Hafidhoh Novita Kurnia Ningrum Novita Kurnia Ningrum Pamenang, Muhammad Unggul Prajanto Wahyu Adi Prajanto Wahyu Adi, Prajanto Wahyu Pudji Herijanto Pujiono Pujiono R Arief Nugroho Rahmad, Cahya Ratsanjani, M. Hasyim Rudy Ariyanto Sasmita, Tomy Elen Sa’adah, Nur Aeni Shoumi, Milyun Ni’ma Sri Sumaryati Subhan Indra Prayoga Suranto Suryadi, Satrio Binusa Syaiful A. Septemuryantoro Tjetjep Witjahjono Tomy Elen Sasmita Triana Fatmawati Vit Zuraida Vivin Ayu Lestari Widaningsih Widaningsih, Widaningsih Winarsih, Nurul Anisa Sri