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All Journal Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks Salam (Islamic Economics Journal)
Afifah Usman, Nurul
Unknown Affiliation
Computer Science & IT Economics, Econometrics & Finance Medicine & Pharmacology Social Sciences Other

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What Financial Literacy and Saving Behavior Reveal About Retirement Planning: A Case Study of CV. Mulia Pratama Afifah Usman, Nurul; Mardhatillah, Dinda
Salam (Islamic Economics Journal) Vol. 6 No. 1 (2025): June 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/yy4faw69

Abstract

According to OJK data, only 15% of those employed has planned retirement programs, with a lower percentage in the private sector. This highlights the substantial obstacles that private sector employees in Indonesia confront when preparing for retirement. Santoso et al. (2022) conducted research that indicates that 90% of private employees are not provided with retirement program facilities by their employers, resulting in a significant welfare disparity in comparison to civil servants. This issue is further exacerbated by a number of factors, including low financial literacy (49.68% nationally in 2022), unbalanced consumption patterns, poor saving behavior that prioritize short-term needs, global economic uncertainties, high inflation rates, and the demographic challenge of Indonesia's aging population. This study looks into how saving behavior and financial literacy affect retirement planning among the employees at CV. Mulia Pratama. The aim is to provide stakeholders information they can use in designing improved retirement planning programs for Indonesian private sector employees.   Keywords: financial literacy, saving behavior, retirement planning
Enhancing the Capacity of MSMEs through Social Media and Financial Literacy Training in Sulaman and Silver Cici Koto Gadang Anas, Yulia; Oktavia, Fitriyeni; Afifah Usman, Nurul; Amelia, Novi
Warta Pengabdian Andalas Vol 33 No 1 (2026)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jwa.33.1.113-119.2026

Abstract

Training in social media and financial literacy is crucial for enhancing the capabilities of micro, small, and medium-sized enterprises (MSMEs), especially traditional craft businesses like Sulaman and Silver Cici Koto Gadang MSME. The objective of this study is to examine the impact of these training programs on attitude formation, subjective norms, and perceived behavioral control, as outlined by the Theory of Planned Behavior (TPB). Through a qualitative approach involving participatory observation, in-depth interviews, and pre- and post-tests, the study reveals significant improvements in participants' ability to manage digital marketing and understand financial risks, particularly concerning illegal online loans. The results suggest that positive attitudes toward social media as a strategic marketing tool are emerging, along with a deeper understanding of financial management and the identification of illegal lending practices. Stronger perceived behavioral control, as demonstrated by increased post-test scores, encourages MSMEs to adopt safer financial practices and sustain digital marketing efforts. Overall, this study confirms that integrated interventions are effective. These interventions combine digital skills training and financial literacy. They effectively strengthen MSME resilience and competitiveness in the digital economy.
Co-Authors Amelia, Novi Anas, Yulia Mardhatillah, Dinda Oktavia, Fitriyeni