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All Journal Journal of Economic, Bussines and Accounting (COSTING) Jurnal Ilmiah Edunomika (JIE) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) PUBLICA: Jurnal Pengabdian Masyarakat JURNAL ABDIMAS PLJ Konsienti: Community Services Journal Indonesian Journal of Strategic Management (IJSM) JAMARI : Jurnal Pengabdian Masyarakat Mandiri JAMARI : Jurnal Pengabdian Masyarakat Mandiri
Deri Prayudi
Universitas Kuningan
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Meningkatkan Perilaku Menabung UMKM Cikupa dengan Implementasi Strategi Financial Nudging yang Efektif Munir Nur Komarudin; Dadang Suhardi; Deri Prayudi; Darul Fadli; Dzalika Bunga Azzahra
JAMARI : Jurnal Pengabdian Masyarakat Mandiri Vol. 2 No. 2 (2026): Januari
Publisher : Universitas Insan Cendekia Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37577/.v2i2.1008

Abstract

This community service activity aims to test the effectiveness of the implementation of the Financial Nudging strategy in improving savings behavior among Micro, Small, and Medium Enterprises (MSMEs) in Cikupa Village, Darma Kuningan. The local MSME community often faces challenges of undisciplined cash management and high financial vulnerability, which are key issues relevant to the sustainability of their businesses. The method used is a behavior-based intervention with a direct survey approach, involving a series of subtle "nudges", such as visual goal setting, savings commitment forms, and default settings for fund allocation. Based on the results of the program evaluation, it shows that the Financial Nudging intervention is able to significantly increase the frequency and amount of funds allocated by MSMEs for savings. In conclusion, Financial Nudging has proven to be a practical, low-cost, and sustainable solution. Its positive impacts are the creation of better financial discipline, reduced dependence on informal loans, and increased financial resilience of MSMEs, which ultimately contribute to the economic stability and welfare of the Cikupa Village community.
Co-Authors Dadang Suhardi Darul Fadli Devita Aprilyan Dicky Hardiansyah Dzalika Bunga Azzahra Fahmi Kamal Hari Setia Putra Heni Susilawati Iqbal Arraniri Jeziano Rizkita Boyas Komarudin, Munir Nur Munir Nur Komarudin Neneng Yanti Andriani Nico Irawan Nur Faliza Oding Syafrudin Rois, Tatang Sjahruddin, Herman