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Suhendra, Maman
Politeknik Keuangan Negara STAN
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Transformation of Village Entrepreneurship: Financial Literacy as a Driver of Economic Independence for Borrowers of BUMDesa Bersama in Serang Regency: Transformasi Kewirausahaan Desa: Literasi Keuangan sebagai Pendorong Kemandirian Ekonomi Bagi Debitur BUMDesa Bersama di Kabupaten Serang Raharjo, Taufik; Suhendra, Maman; Yudanto, Ambang Aries; Setiya, Tanda; Arianty, Erny
CONSEN: Indonesian Journal of Community Services and Engagement Vol. 5 No. 2 (2025): Consen: Indonesian Journal of Community Services and Engagement (In Press)
Publisher : Institut Riset dan Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57152/consen.v5i2.2034

Abstract

The aim of this community service (PKM) initiative is to facilitate the improvement of financial literacy among debtors of BUMDesma LKD across Serang Regency. The execution of this PKM activity was conducted in three phases: Planning, Implementation, and Evaluation to attain best outcomes. During the planning phase, the team formulated the PKM activity idea, which consists of three primary steps: assessing the financial management attributes of the borrowers, delivering financial management training to the debtors, and offering post-training mentorship. In the implementation phase, debtor characteristics were discerned through observations and interviews of 22 debtors from 18 BUMDesma LKD throughout 17 sub-districts in Serang Regency. The second stage entailed administering financial management instruction for the debtors utilizing a practical financial management methodology known as "GoDisKo." The concluding phase of the implementation emphasized post-training mentorship. The evaluation, as the last activity, demonstrated that the beginning phase substantially facilitated the following training phase, allowing for successful and efficient training execution. Nevertheless, the mentoring phase was suboptimal owing to the inherent preferences of the debtors, who exhibited a diminished propensity to engage with online media for mentoring purposes.
Co-Authors Acwin Hendra Saputra, Acwin Hendra Akhmad Solikin Ambang Aries Yudanto, Ambang Aries Amrie Firmansyah Andana, Rozano Fikri Angelia, Lisa Arianty, Erny Arif Budi Rahman, Arif Budi Arifin, Bondi Chaniago, Putri Rieza Damayanty, Sofia Arie Dian Handayani Dinardjito, Agung Djunedi, Praptono Eko Wicaksono Hadi Setiawan Handoko, Rudi I Gede Agus Ariutama Janan Afra , Inkana Krisnandono, Diananto Meidian, Perdana Riffi Muhammad Iqbal, Roihans muhammad rizky, muhammad Prabawati, Dini Privea Prayuda, Jun Rifky Puji Wibowo Putri, Puspita Widya Rita Helbra Tenrini, Rita Helbra Sakti Prabowo, Sakti Sasongko, Rossa Kurnia Setiya, Tanda Siregar, Sri Putri Subardianta, Ari Untung Taufik Raharjo, Taufik Wisnu Wardhana, Irwanda