<![CDATA[ABSTRAK Pelaku usaha mikro di permukiman gang perkotaan menghadapi tiga defisit struktural: rendahnya literasi keuangan, ketiadaan sistem pencatatan usaha, dan keterputusan dari ekosistem pembiayaan formal; asesmen kebutuhan di Gang Rajawali, Meruya Selatan, Jakarta Barat menunjukkan skor literasi keuangan rata-rata hanya 34,2 dari 100, 89,4% warga mencampur keuangan usaha dan rumah tangga, serta 76,7% bergantung pada rentenir dengan bunga 10–30% per bulan. Program pengabdian kepada masyarakat ini bertujuan meningkatkan literasi keuangan, membangun disiplin pembukuan usaha mikro dan pemisahan keuangan usaha–rumah tangga, serta menginisiasi ekosistem pembiayaan sirkular berbasis komunitas. Program menggunakan pendekatan Participatory Action Research (PAR) yang dipadukan dengan experiential learning terhadap 30 peserta selama 12 bulan, meliputi pelatihan literasi keuangan dan buku kas (S-1), workshop harga pokok penjualan dan kartu stok (S-2), fasilitasi pembentukan dana bergulir komunitas (S-3), serta penyuluhan manajemen keuangan rumah tangga (S-4); efektivitas diukur melalui pre-test dan post-test 30 butir adaptasi SNLIK OJK yang dianalisis dengan paired-samples t-test dan N-gain. Skor literasi keuangan rata-rata meningkat dari 34,2 menjadi 61,5 (kenaikan 27,3 poin; p0,001; N-gain 0,42 kategori sedang), 76,7% peserta mencapai kenaikan ≥20 poin, 83,3% aktif mengisi buku kas pada bulan ketiga, dan terbentuk satu kelompok dana bergulir dengan 14 anggota aktif serta akumulasi dana Rp7,98 juta dalam empat siklus dengan tingkat pengembalian pinjaman 100%. Model pemberdayaan yang mengintegrasikan literasi keuangan, praktik ekonomi sirkular, dan pembiayaan berbasis komunitas terbukti efektif meningkatkan kapasitas keuangan masyarakat gang perkotaan dan berpotensi direplikasi di kawasan serupa. Kata Kunci: Keuangan Berkelanjutan, Ekonomi Sirkular, Usaha Mikro, Komunitas Perkotaan, Pembiayaan Berbasis Komunitas. ABSTRACT Micro-entrepreneurs in urban alley settlements face three structural deficits: low financial literacy, the absence of business record-keeping systems, and disconnection from formal financing ecosystems; a needs assessment in Gang Rajawali, South Meruya, West Jakarta revealed an average financial literacy score of only 34.2 out of 100, with 89.4% of residents mixing business and household finances and 76.7% relying on informal moneylenders charging 10–30% monthly interest. This community service program aimed to improve financial literacy, build bookkeeping discipline and business–household financial separation among micro-enterprises, and initiate a community-based circular financing ecosystem. The program employed Participatory Action Research (PAR) combined with experiential learning involving 30 participants over 12 months, comprising financial literacy and cash-book training (S-1), a cost-of-goods-sold and stock-card workshop (S-2), facilitation of a community circular fund (S-3), and household financial management counseling (S-4); effectiveness was measured through a 30-item pre-test and post-test adapted from the OJK SNLIK instrument, analyzed using paired-samples t-tests and N-gain scores. The average financial literacy score increased from 34.2 to 61.5 (a 27.3-point gain; p0.001; N-gain 0.42, moderate category), 76.7% of participants achieved a ≥20-point increase, 83.3% actively maintained cash books by month three, and one circular fund group was established with 14 active members and an accumulated fund of IDR 7.98 million over four cycles with a 100% loan repayment rate. The empowerment model integrating financial literacy, circular economy practices, and community-based financing proved effective in strengthening the financial capacity of urban alley communities and is replicable in similar areas. Keywords: Sustainable Finance, Circular Economy, Micro-Enterprises, Urban Communities, Community-Based Financing.]]>
