Peningkatan Sumber Daya Manusia (SDM) Desa melalui Sosialisasi Pentingnya Perencanaan Keuangan demi Kebebasan Finansial Masyarakat Desa Binaus, Kabupaten Timor Tengah Selatan (TTS)

Ardiman, Yohanes
Ismawati, Hilda Karman
Mur, Elsiana
Bani, Angelina
Nirta, Rosalia
Bau, Maria Novita
Bhebhe, Maria Casandra
Hale, Maria Indrayani
Diron, Ludovikus Kelvino
Wea, William Gilbert
Talu, Maximus
Migo, Maria Stefania D.
Olin, Maria Virginia Stefani
Pereira, Intan Patricia A.
Sukmawati, Sukmawati
Klau, Stefania Seuk
Burin, Stefanie Noviega B.
Goetha, Selfiana
Manafe, David

Jurnal Pengabdian Masyarakat (ABDIRA)
Vol 6, No 1 (2026): Abdira

Financial planning is an essential skill that enhances human resource (HR) quality and supports rural communities in achieving economic independence. The people of Binaus Village, South Central Timor Regency, face challenges in financial management due to fluctuating incomes, consumptive spending habits, and low saving awareness. This community engagement program aims to improve financial literacy through socialization and training using the Participatory Action Research (PAR) method, which involved observation, interviews, focus group discussions, and practical workshops on financial recording, budgeting, and saving strategies. The results indicate a positive shift in community mindset, from short-term consumption toward more productive financial allocations, including education, health, and emergency savings. The study concludes that contextual financial planning socialization can strengthen financial awareness, reduce dependence on high-interest loans, and guide rural communities toward sustainable financial freedom.