STRATEGI KETAHANAN EKONOMI PETANI PADI MELALUI PENGELOLAAN RISIKO DAN PERENCANAAN KEUANGAN MUSIMAN - Rr Sri Saraswati; Wahdan Arum Inawati; Ruri Octari Dinata (Universitas Muhammadiyah Mataram, 2026)
Abstrak: Petani padi menghadapi ketidakpastian ekonomi akibat risiko gagal panen, fluktuasi harga gabah, kenaikan biaya produksi, ketergantungan pada tengkulak, dan belum optimalnya dana cadangan. Kegiatan pengabdian ini bertujuan meningkatkan pemahaman dan keterampilan petani dalam mengelola risiko usaha tani serta menyusun perencanaan keuangan musiman. Mitra kegiatan adalah ketua kelompok petani padi dan anggotanya diKabupaten Bandung, dengan jumlah peserta 24 orang. Metode pelaksanaan meliputi pemetaan risiko, penyuluhan, diskusi interaktif, dan simulasi pembagian hasil panen untuk kebutuhan rumah tangga, modal tanam berikutnya, serta dana cadangan. Evaluasi dilakukan melalui observasi, tanya jawab, dan 5 pertanyaan dalam angket pemahaman sebelum (pre-test) dan sesudah (post-test) kegiatan. Hasil kegiatan menunjukkan menunjukkan bahwa kegiatan pengabdian masyarakat berjalan efektif dengan dampak positif, ditandai oleh 96,67% peserta menyatakan setuju dan sangat setuju terhadap kesesuaian, kejelasan, dan relevansi materi serta kualitas pelayanan, yang mencerminkan peningkatan pemahaman dan kepuasan peserta secara signifikan dibandingkan kondisi awal.Abstract: Rice farmers face economic uncertainty due to the risk of crop failure, fluctuations in grain prices, rising production costs, dependence on middlemen, and suboptimal reserve funds. This community service activity aims to improve farmers' understanding and skills in managing farming risks and preparing seasonal financial plans. The activity partners are the head of the rice farmer group and its members in Kp. Cintanjung, RT/RW 01/01 Mekarjaya Village, Banjaran District, Bandung Regency, with a total of 24 participants. The implementation method includes risk mapping, counseling, interactive discussions, and simulations of harvest distribution for household needs, capital for the next planting, and reserve funds. Evaluation is carried out through observation, questions and answers, and questionnaires on understanding before (pre-test) and after (post-test) the activity. The results of the activity indicate that the community service activity was effective with a positive impact, indicated by 96.67% of participants agreeing and strongly agreeing with the suitability, clarity, and relevance of the material and the quality of service, which reflects a significant increase in participant understanding and satisfaction compared to the initial conditions.