Optimizing PMI Income and Remittance Management Through Digital Financial Literacy

Sucihatiningsih Dian Wisika Prajanti (Development Economics, Faculty of Economics and Business, Universitas Negeri Semarang, Indonesia)
Edi Kurniawan (Geography Education, Faculty of Social and Political Sciences, Universitas Negeri Semarang, Indonesia)
Aji Prasetya Wibawa (Electrical Engineering and Informatics, Faculty of Engineering, Universitas Negeri Malang, Indonesia)
Mutiara Kiranawati (Culinary Arts and Fashion Education, Faculty of Engineering, Universitas Negeri Malang, Indonesia)
Lukluk Ul Muyassaroh (German Language Education, Faculty of Literature, Universitas Negeri Malang, Indonesia)

Jurnal Abdimas
Vol. 30 No. 2 (2026): December 2026

This Community Service program aims to assist PMI in making daily expenditure decisions and financial management for long-term impact. The material presented focuses on how income should be divided according to priorities, how to have a good remittance plan, and how safe digital transactions are carried out. Participants in this service amounted to twenty PMIs. The program included material presentation, discussion, mentoring, and evaluation. Participants conducted a pretest and posttest as a form of measuring participants' understanding after this activity was held. From the results of the quantitative assessment, the average score of participants' understanding of financial literacy increased from the original participant's understanding of financial literacy by 53.7% to 90%. The average N-gain value was 0.79, 16 participants were in a high position and four participants were in the medium category. This shows that financial education is beneficial with the situation faced by PMI.