JAMARI : Jurnal Pengabdian Masyarakat Mandiri
Vol. 2 No. 2 (2026): Januari

Meningkatkan Perilaku Menabung UMKM Cikupa dengan Implementasi Strategi Financial Nudging yang Efektif

Komarudin, Munir Nur (Unknown)
Suhardi, Dadang (Unknown)
Prayudi, Deri (Unknown)
Fadli, Darul (Unknown)
Azzahra, Dzalika Bunga (Unknown)



Article Info

Publish Date
31 Jan 2026

Abstract

This community service activity aims to test the effectiveness of the implementation of the Financial Nudging strategy in improving savings behavior among Micro, Small, and Medium Enterprises (MSMEs) in Cikupa Village, Darma Kuningan. The local MSME community often faces challenges of undisciplined cash management and high financial vulnerability, which are key issues relevant to the sustainability of their businesses. The method used is a behavior-based intervention with a direct survey approach, involving a series of subtle "nudges", such as visual goal setting, savings commitment forms, and default settings for fund allocation. Based on the results of the program evaluation, it shows that the Financial Nudging intervention is able to significantly increase the frequency and amount of funds allocated by MSMEs for savings. In conclusion, Financial Nudging has proven to be a practical, low-cost, and sustainable solution. Its positive impacts are the creation of better financial discipline, reduced dependence on informal loans, and increased financial resilience of MSMEs, which ultimately contribute to the economic stability and welfare of the Cikupa Village community.

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Journal Info

Abbrev

JAMARI

Publisher

Subject

Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering

Description

JAMARI (Jurnal Pengabdian Masyarakat Mandiri) is a forum that publishes scientific articles resulting from community service activities carried out independently by individuals, groups, or institutions. This forum aims to facilitate the dissemination of research-based ideas in the form of scholarly ...