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Muji Setiyo
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Urecol Journal. Part B: Economics and Business
Published by Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY
ISSN : -     EISSN : 27971902     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Urecol Journal. Part B: Economics and Business is a peer-reviewed journal published by Konsorsium LPPM Perguruan Tinggi Muhammadiyah Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY. This scientific journal specifically discusses the findings, new methods, and research experiences in economics and business from the University Research Colloquium (URECOL) which is held twice a year
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 52 Documents
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Improving Financial Planning Literacy and Investment Education for Teenagers in Dukuh Gamblok, Galangpengampon Village, Wonopringgo Subdistrict, Pekalongan Regency Maulid, Rifqi; Isna, Khomsatul; Risqiyana, Kholishotur; Nabila, Fatin; Ayuanda, Leila Nisya; Aisyah, Dewi Risqi
Urecol Journal. Part B: Economics and Business Vol. 5 No. 2 (2025): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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Abstract

Low levels of education and limited access to information in Gamblok Hamlet, Galangpengampon Village, Wonopringgo District, Pekalongan Regency, are the main factors contributing to poor financial literacy among adolescents. Most adolescents in this area have completed only elementary or junior high school, so they lack an adequate understanding of the importance of financial planning and personal finance management. As a result, they are prone to consumer behavior, lack savings habits, and lack an understanding of the risks and benefits of investing. This community service activity aims to improve adolescent financial literacy by providing education tailored to participants' understanding levels. The implementation method includes interactive outreach involving discussions, simple budgeting simulations, educational games, and an introduction to basic, easy-to-understand investment instruments, such as savings and gold. The activity results showed a significant increase in participants' understanding of money management, the importance of distinguishing between needs and wants, and awareness of saving and of safe investments. This education not only provides knowledge but also encourages changes in behavior toward wiser personal financial management. This activity is expected to be the first step toward forming healthy financial habits, increasing economic independence, and paving the way for the socio-economic development of the younger generation in rural areas with limited access to education.
Family Financial Management Education as an Effort to Reduce Dependence on “Bank Tongol” in Sadran Puton Hamlet Al Mu’ta’zim, M. Tsany; Safira, Seena; Sofiyani, Anisa; Safira, Vina Aulia; Atmarini, Resti; Susiatmi, Sandi Ari; Kholidah, Nur
Urecol Journal. Part B: Economics and Business Vol. 5 No. 2 (2025): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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Abstract

The dependence of rural communities on informal financial institutions, such as "bank tongol," remains a serious obstacle to building household economic resilience. This high-interest lending practice persists due to limited access to formal financial institutions and low levels of financial literacy. Sadran Puton Hamlet is one of the areas affected by this issue. Through the Community Service Program (KKN), financial management education was provided to 20 married couples to reduce reliance on informal loans. The materials covered included budgeting, financial recordkeeping, emergency funds, and an introduction to Islamic financing. The program results showed that participants created more structured, prioritized family financial plans, reducing their tendency to borrow from banks. This education is expected to be a first step toward financial independence and strengthening household economic resilience.

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