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Pemanfaatan Modal Mikro bagi Ibu Rumah Tangga Desa Sawotratap melalui Trading Digital Rahma, Shafa; Zawawi, Zawawi
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 6, No 1 (2026): Abdira
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v6i1.1412

Abstract

Technological developments and digitalization have opened up opportunities for housewives (IRT) to participate in financial markets, but require risk adaptation and digital literacy. This study aims to analyze the use of micro-capital as an investment vehicle and digital trading as a learning tool for small-scale fund management among housewives in Sawotratap Village. The research method used a qualitative-descriptive approach through the Community Service (PkM) program with assistance in micro-trading simulation practices supported by PT Trijaya Pratama Futures (TPFX). The results show that using micro-capital under Rp1 million provides a sense of psychological security and helps participants understand the concept of risk and real-world returns. Micro-digital trading has proven effective in fostering financial management discipline through the implementation of stop-loss strategies, although it still faces emotional control challenges such as overtrading. Therefore, a combination of micro-capital and digital trading is necessary to build the risk management capabilities of housewives in the face of inflationary pressures and rising costs of basic necessities.
Peran Kegiatan Edukatif dalam Membangun Mindset Positif di Kalangan Masyarakat terhadap Investasi Perdagangan Komoditi Berjangka Putri, Kanaya Amelia; Zawawi, Zawawi
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 6, No 1 (2026): Abdira
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v6i1.1393

Abstract

The rise in fraud cases is one factor contributing to the decline in public trust in investments in the commodity futures trading sector. The abundance of illegal investment platforms often creates a negative perception among the public that investing is a detrimental activity. Therefore, it is crucial to increase public literacy and understanding regarding the legal aspects of commodity futures trading. This activity aims to provide public understanding and education regarding the legality and clear regulations of investment through a digital-based outreach approach. Through this outreach, it is hoped that the public will develop a more open mindset and understand the risks of investing.
Peningkatan Literasi Keuangan Digital Ibu Rumah Tangga tentang Perdagangan Berjangka Komoditi Legal Rahmawati, Siti Rusdiana; Zawawi, Zawawi
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 6, No 1 (2026): Abdira
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v6i1.1365

Abstract

This community service aims to enhance digital financial literacy for 25 housewives in Desa Sawotratap with a literacy index of 65.58% ((BPS) 2025), vulnerable to illegal investment scams due to limited understanding of legal Commodity Futures Trading Interactive counseling methods using slide presentations, group discussions, and QA introduced PT Trijaya Pratama Futures (TPFx) supervised by BAPPEBTI, along with products such as gold, forex, Nasdaq 100, and SP 500 with a capital of Rp100,000. Results show that 87% (22/25 participants) can distinguish between legal and illegal instruments, surpassing the 4.05-point increase reported by (Hartarto et al. 2022). The discussion approach effectively transforms negative perceptions of Commodity Futures Trading into an understanding of family risk management, contributing to the prevention of digital fraud and improving welfare in Desa Sawotratap.
Transformasi Uang Belanja Menjadi Investasi : Pendampingan Perencanaan Keuangan Keluarga Bersama TPFx Surabaya Prayoga, Muhammad Rafi; Zawawi, Zawawi
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 6, No 1 (2026): Abdira
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v6i1.1434

Abstract

Financial instability among housewives in Surabaya is primarily rooted in two areas : deficient internal cash flow management (resulting in consumptive spending) and a lack of awareness regarding external economic threats like Inflation and Global Volatility. This lack of literacy prevents them from seeking reliable financial alternatives, leaving them exposed to investment scams. This Community Service (PkM) initiative aims to fundamentally transform grocery money into secure investment capital through intensive education and technical guidance by TPFx. The method combined basic financial literacy with hands-on risk management training, specifically demonstrating the Stop Loss feature on a futures trading simulation account. The participation of 30 housewives yielded a crucial outcome : a significant paradigm shift. Participants transitioned from investment fear to confidence, gaining the practical ability to allocate micro-capital and ensure its protection. This synergy between academics and practitioners is validated as an effective strategy for empowering family economies, uniquely focusing on the security and preservation of capital against economic risks.
Edukasi Perdagangan Berjangka dengan Pendekatan Soft-Selling bagi Ibu Rumah Tangga Hasna, Nadya; Zawawi, Zawawi
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 6, No 1 (2026): Abdira
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v6i1.1420

Abstract

Low financial literacy among housewives often leads to poor financial management and misconceptions about futures trading, which is commonly perceived as a high-risk or illegal activity. This community service aims to improve housewives’ understanding of futures trading concepts through a persuasive and communicative soft-selling approach. The method used was counseling and interactive discussion during a neighborhood gathering in Sidoarjo, involving 25 participants. The material, presented through the topic “One Hundred Thousand Rupiah in the Hands of the Right Wife,” emphasized practical small-capital financial management. The results show that the soft-selling approach effectively created a relaxed learning atmosphere, increased participants’ confidence, and corrected misconceptions about futures trading legality. This activity demonstrates that soft-selling can serve as an educational strategy to enhance financial literacy and empower household economies.