Tanmiyah Impact: Islamic Economics & Business Service Journal
Vol. 1 No. 4 (2025): Desember 2025

Peningkatan Literasi Keuangan Digital Melalui Pengenalan Aplikasi Pencatatan Keuangan Bagi Warga Jorong Balai Satu Masyarakat

Farroqi Drajad (Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi)
Ulva Rahmi (Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi)



Article Info

Publish Date
31 Dec 2025

Abstract

Perkembangan teknologi digital telah membawa perubahan signifikan dalam pengelolaan keuangan masyarakat. Namun, pemanfaatan teknologi tersebut belum merata, khususnya di wilayah pedesaan yang masih menghadapi keterbatasan literasi keuangan dan digital. Penelitian ini merupakan hasil kegiatan pengabdian kepada masyarakat yang bertujuan untuk meningkatkan literasi keuangan digital warga Jorong Balai Satu, Nagari Malalak Selatan, Kecamatan Malalak, melalui pelatihan penggunaan aplikasi pencatatan keuangan berbasis digital. Metode pelaksanaan kegiatan menggunakan pendekatan partisipatif yang meliputi penyuluhan literasi keuangan, pelatihan teknis penggunaan aplikasi Buku Kas Apps, simulasi pencatatan keuangan, serta evaluasi pemahaman peserta. Hasil kegiatan menunjukkan bahwa masyarakat menunjukkan antusiasme yang tinggi dan mampu memahami dasar-dasar pengelolaan keuangan digital, seperti pencatatan pemasukan dan pengeluaran secara tertib dan sistematis. Meskipun demikian, ditemukan kendala pada sebagian peserta lanjut usia yang mengalami kesulitan dalam mengoperasikan perangkat gawai, terutama karena keterbatasan penglihatan dan adaptasi teknologi. Secara umum, kegiatan ini memberikan kontribusi positif terhadap peningkatan kesadaran finansial, keteraturan pencatatan keuangan, serta perubahan perilaku pengelolaan keuangan masyarakat desa ke arah yang lebih baik. The development of digital technology has brought significant changes to community financial management. However, the utilization of such technology remains uneven, particularly in rural areas that continue to face limitations in financial and digital literacy. This study is the result of a community service activity aimed at improving the digital financial literacy of residents in Jorong Balai Satu, Nagari Malalak Selatan, Malalak District, through training on the use of a digital-based financial recording application. The activity was implemented using a participatory approach that included financial literacy counseling, technical training on the use of the Buku Kas Apps application, financial recording simulations, and evaluation of participants’ understanding. The results indicate that community members showed high enthusiasm and were able to understand the basic principles of digital financial management, such as orderly and systematic recording of income and expenses. Nevertheless, challenges were identified among some elderly participants who experienced difficulties in operating mobile devices, particularly due to visual limitations and challenges in adapting to technology. Overall, this activity made a positive contribution to increasing financial awareness, improving the regularity of financial record-keeping, and fostering positive changes in financial management behavior within the rural community.

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Journal Info

Abbrev

tanmiyahimpact

Publisher

Subject

Description

The journal focuses on applied service and impact in: Islamic Economics & Finance: zakat, waqf, infaq, financial inclusion, microfinance (BMT), and integration of Islamic social finance. Islamic Business & Entrepreneurship: halal industry development, MSME incubation, sharia marketing, and ...