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All Journal Akuisisi : Jurnal Akuntansi Hasanuddin Economics and Business Review Jurnal ASET (Akuntansi Riset) Unram Journal of Community Service (UJCS) "Indonesian Journal of Devotion and Empowerment (IJDE) " Jurnal IAKP : Jurnal Inovasi Akuntansi Keuangan & Perpajakan
Pertiwi, Meilani Intan
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Unram Journal of Community Service (UJCS)

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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 Airyq, Irnin Miladdyan Aji, Tri Susilo Wahyu ardhana Reswari Hasna Pratista Fatimah, Tiara Saharani Haliah, Haliah Heri yanto Ihlashul’amal, Muhammad Indah Fajarini Sri Wahyuningrum, Indah Fajarini Sri Irnin Miladdyan Airyq Jati, Kuat Waluyo Kholidil Amin Kusumawati, Andi Linda Agustina Luthfi, Muhammad Fikri Ningrum, Meldica Widya Niswah Baroroh Permana, Nalendra Bhayu Richatul Jannah Rizkyana, Fitrarena Widhi Tinambunan, Cecilia Ardani