Optimizing savings and loan management through digital financial software training - Dewi, Ika Oktaviana; Wahyudi, Imam; Sustiyana; Garfansa, Marchel Putra; Hanafi (Transformasi: Jurnal Pengabdian Masyarakat, 2025)
[Bahasa]: Pengelolaan simpan pinjam yang efisien dan transparan menjadi tantangan utama kelompok PKK, terutama yang masih menggunakan metode manual, menyebabkan kesalahan perhitungan, keterlambatan laporan, dan kurangnya kepercayaan anggota. Untuk mengatasi hal ini, dilakukan pelatihan software keuangan digital berbasis Android melalui pendekatan Participatory Rural Appraisal (PRA), melibatkan peserta dalam identifikasi masalah hingga evaluasi. Hasilnya, pelatihan meningkatkan pemahaman peserta sebesar 77%, dengan 88% mampu mengoperasikan software secara mandiri dan akurasi pencatatan mencapai 91%. Efektivitas software PKK Fintech terhadap kinerja laporan keuangan terbukti signifikan: (1) akurasi perhitungan meningkat 83% (kesalahan turun dari 30% menjadi 5%), (2) ketepatan waktu pelaporan naik 183% (dari 30% menjadi 85%), dan (3) kepercayaan anggota meningkat 38% (dari 65% menjadi 90%) dengan rata-rata efektivitas 101.3%. Tingkat kepuasan peserta mencapai 80%, menunjukkan penerimaan yang positif. Kegiatan ini tidak hanya meningkatkan efisiensi pengelolaan simpan pinjam tetapi juga memperkuat partisipasi komunitas. Kendala utama adalah keterbatasan akses teknologi dan waktu pendampingan. Untuk keberlanjutan, direkomendasikan pengembangan modul digital, pelatihan berkala, dan perluasan implementasi ke kelompok PKK lainnya. Software PKK Fintech telah terbukti sebagai solusi modern yang akuntabel dan berkelanjutan untuk transformasi digital keuangan kelompok PKK. Kata Kunci: simpan pinjam, PKK Fintech, pengelolaan PKK, pelatihan, literasi digital [English]: Efficient and transparent management of savings and loans is a significant challenge for PKK groups, especially those still using manual methods, leading to miscalculations, late reporting, and a lack of member trust. To address this, training was conducted on Android-based digital financial software through the Participatory Rural Appraisal (PRA) approach, involving participants in problem-solving and evaluation. As a result, the training increased participant understanding by 77%, with 88% being able to operate the software independently, and recording accuracy reaching 91%. The results demonstrated the significant effectiveness of the PKK Fintech software on financial reporting performance, as reflected in: (1) calculation accuracy increased by 83% (errors decreased from 30% to 5%), (2) reporting timeliness increased by 183% (from 30% to 85%), and (3) member trust increased by 38% (from 65% to 90%) with an average effectiveness of 101.3%. The participant satisfaction level reached 80%, indicating positive acceptance. This activity increased the efficiency of savings and loan management and strengthened community participation. The main obstacles were limited access to technology and time for mentoring. For this purpose, developing digital modules, conducting regular training, and expanding the implementation of other PKK groups is recommended. PKK Fintech software has proven to be a modern, accountable, and sustainable solution for PKK groups' digital financial transformation. Keywords: savings and loans, PKK Fintech, PKK management, training, digital literacy