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Journal : Unram Journal of Community Service (UJCS)

Building Economic Independence for Indonesian Immigrants in Malaysia Through Improved Financial Literacy Yanto, Heri; Baroroh, Niswah; Pertiwi, Meilani Intan; Airyq, Irnin Miladdyan
Unram Journal of Community Service Vol. 6 No. 3 (2025): September
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i3.1132

Abstract

Indonesian migrants in Malaysia face significant economic vulnerability due to low and unstable incomes, limited access to formal financial services, and insufficient financial literacy. These conditions often lead to poor money management, debt dependency, and lack of long-term financial planning. This community service program aimed to enhance the financial literacy of Indonesian migrants in Malaysia as a strategy to strengthen their economic independence. Using the Participatory Action Research (PAR) method, the program involved migrants as active partners in identifying financial challenges, designing relevant training, and implementing practical solutions. Activities included daily financial management workshops, budgeting simulations, and introductions to simple financial applications. Conducted in Kuala Lumpur over eight months, the program reached participants from various informal sectors. The results showed increased participants’ ability to record expenses, plan budgets, set savings goals, and encourage productive financial practices within their families. The initiative also fostered awareness of the benefits of formal financial services. In conclusion, improving financial literacy through a participatory approach can serve as an effective catalyst for empowering migrants to achieve sustainable economic independence.
Co-Authors - Kardoyo Agus Wahyudin Ahmad Hariyadi, Ahmad Ahmad Nurkhin Airyq, Irnin Miladdyan Aisah, Karlina Alfitra, Dimas Ali Formen Ali Sunarso Aljileedi Mustafa Rayhan, Amyir Amin Pujiati Amin Taufik Amin Yusuf Arief Yulianto Arif Mahmud Arina Tri Astuti, Arina Tri Arumi, Awalia Arvany Dhin Azhari, Arvany Dhin Asri Purwanti Astuti, Iryana Dewi Astuti, Iryana Dewi Bestari Dwi Handayani Budiantoro, Risanda C, Cisia Carolina Lita Permatasari Chatarina Umbul Wahyuni Citra Eliyani, Citra Desy Ery Danny Dewi, Rafika Maulia Eka Aisyatul Ulya, Eka Aisyatul EKO NURCAHYO Elsa Puspasari, Elsa Esita, Prita Esita, Prita Eva Nurul Vitriyani, Eva Nurul Fahrur Rozi Faidlol Ilah, Faidlol Farid Ahmadi Farisyi, Shalman Al Fathur Rokhman Febri Hadi Firdaus - Fitri Hartanto Fitri Yani Gisky Andria Putra Hardiyanti , Rini Harisma, Fadilla Heriyanto , Heriyanto Hidayati, Olivia Ike Humiras Hardi Purba Ida Zulaeha Ika Ratniarsih Ilham Masrurun, Ilham Irawan, Dony Irawan, Dony Irianti, Een Ismiyati, Ismiyati Joko Sutarto Karnawati, Karnawati Khotimah, Dian Suci Husnul Kristanto, Andi Kurniawan Kristi, Nuke Monika Kristin Wahyuni, Kristin Kusumaningrum, Christyan Dyah Lovika Ardana Riswari Lusiana, Shary Armonitha Luthfi, Muhammad Fikri Masrukhi Masrukhi Maulia, Dina Mawardi Amin Maylia Pramono Sari Mochammad Mirza Mulyono, Sungkowo Edi Murwatiningsih Murwatiningsih, Murwatiningsih Mustaghfiroh, Mustaghfiroh Mustaghfiroh, Mustaghfiroh Nanik Wijayati Nika, Restika Noha Nina Oktarina Ningrum, Meldica Widya Niswah Baroroh Novratrilova, Lian Nurul Hasanah Oni Guspari Pangestika, Mirza Anindya Pangestika, Mirza Anindya Pertiwi, Meilani Intan Porniadi, Fiki Porniadi, Fiki Pramiasih, Endah Prihandono, Dorojatun Puspitaningrum, Erlina Dewi PUTRI WULANDARI Putri, Anggrieta Arzeni Gatra Qarasyi, Achmad Qhuzairy Rabeea Mohammed Imleesh, Rabeea Mohammed Radinal, Radinal Rahayu, Selvia Rajagukguk, Abdul Ratna Puspita Sari, Ratna Puspita Reswari, Ardhana Retnoningrum Hidayah Revita Handayani, Angela Sherly Rizky Garuda Nusantara Bachrul Zakir Hamzah, Muhammad Rukhayati, Siti Rusdarti - Rustono - Sabil, Muhammad Asnawi Saputra, Mardi Sari, Hanifa Aulia Setiawan, Umam Aries Setyaji, Bayu Siregar, Ahmad Surkati Sri Ati Sri Wiwik Anggiyani, Sri Wiwik St. Sunarto, St. Sucihatiningsih Dian Wisika Prajanti Sungkowo Edy Mulyono Supriyati . Suwito Eko Pramono Syifa Fauziah Titi Prihatin Tiyas Marhaeni, Tiyas Tjokro, Gunawan Tri Joko Raharjo Tri Suminar Ujianingrum, Hening Ulum, Muhammad Rosikhul Ulum, Muhammad Rosikhul Ummi, Izzatul Wasino Wasino Wati, Alfi Setyo Widiyanto Widiyanto Wijaya, Romi Wijaya, Sucitra Wiwik Widyo Widjajanti Yoman, Mad Yuli Rohmiyati Yuliarti, Dita Yuliarti, Dita Zaenuri Mastur Zainal Abidin Zubaedi, Moh