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Transformasi: Jurnal Pengabdian Masyarakat
Published by Universitas Islam Negeri Mataram
ISSN : 18583571     EISSN : 25809628     DOI : 10.20414/transformasi.
Core Subject : Religion, Humanities, Education, Social,
Religion Humanities Education Environmental Science
Arjuna Subject : Umum - Umum
Articles 243 Documents
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From literacy to investment: Empowering Muhammadiyah schools in Sukabumi Amal, Muhammad Khairul; Alhidayatullah; Aziz, Muh. Abdul
Transformasi: Jurnal Pengabdian Masyarakat Vol. 21 No. 1 (2025): Transformasi Juni
Publisher : LP2M Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/transformasi.v21i1.13225

Abstract

[Bahasa]: Rendahnya tingkat literasi finansial di Indonesia, khususnya di kalangan pelajar dan pendidik, menjadi tantangan serius dalam menciptakan masyarakat yang cerdas secara finansial. Berdasarkan survei OJK tahun 2022, indeks literasi keuangan nasional baru mencapai 49,68%, jauh di bawah target 75%. Guru sebagai agen pendidikan, serta siswa sebagai generasi penerus, perlu mendapatkan pemahaman yang kuat mengenai pengelolaan keuangan dan investasi sejak dini. Menjawab tantangan tersebut, kegiatan pengabdian kepada masyarakat ini dilaksanakan dengan tujuan untuk meningkatkan literasi keuangan dan pemahaman strategi investasi bagi guru dan siswa SMA/SMK Muhammadiyah Sukabumi. Kegiatan ini diharapkan dapat memberikan bekal pengetahuan yang aplikatif dalam menghadapi tantangan ekonomi modern, termasuk risiko investasi ilegal, pinjaman online, dan judi online. Metode yang digunakan adalah service learning, dengan melibatkan dosen, mahasiswa, guru, dan siswa dalam dua sesi edukasi. Sesi pertama membahas literasi keuangan dasar, seperti pengelolaan pemasukan dan pengeluaran, perbedaan kebutuhan dan keinginan, tabungan, serta pengelolaan anggaran. Sesi kedua membahas strategi menentukan investasi, termasuk pemahaman jenis-jenis investasi, profil risiko, teknik memilih investasi, serta pentingnya legalitas dan diversifikasi. Hasil evaluasi yang diukur melalui pretest dan posttest menunjukkan peningkatan pemahaman yang signifikan. Rata-rata skor literasi keuangan meningkat dari 48,57% menjadi 81,29%, sedangkan pemahaman tentang strategi investasi meningkat dari 37,81% menjadi 80,31%. Hasil ini membuktikan efektivitas program dalam meningkatkan pengetahuan dan kesadaran peserta terhadap pentingnya pengelolaan keuangan yang cerdas dan aman. Program ini direkomendasikan sebagai model edukasi berkelanjutan dalam meningkatkan indeks literasi keuangan nasional, khususnya di lingkungan pendidikan menengah. Kata Kunci: edukasi, literasi financial, service learning, strategi investasi, SMK/SMA Muhammadiyah Sukabumi [English]: The inadequate financial literacy in Indonesia, particularly among students and educators, poses a significant obstacle to the development of a financially astute society. According to the 2022 OJK poll, the national financial literacy score is at merely 49.68%, much below the aim of 75%. Educators and pupils, as the forthcoming generation, must acquire a robust comprehension of financial and investment management from an early age. In response to these problems, this community service initiative was conducted to enhance financial literacy and comprehension of investment techniques for the educators and students of Muhammadiyah Sukabumi High School/Vocational School. This activity aims to impart knowledge relevant to addressing contemporary economic difficulties, such as the risks associated with illicit investments, online loans, and internet gambling. The employed methodology is service learning, engaging lecturers, students, instructors, and pupils in two educational sessions. The initial session addressed fundamental financial literacy, including income and expenditure management, distinctions between needs and wants, saves, and budgetary oversight. The second session addressed ways for evaluating investments, encompassing the comprehension of investment categories, risk profiles, selection methodologies, and the significance of legality and diversification. The evaluation results, assessed by the pretest and posttest, indicated a substantial enhancement in comprehension. The mean financial literacy score rose from 48.57% to 81.29%, and comprehension of investment techniques improved from 37.81% to 80.31%. These results demonstrate the program's efficacy in enhancing participants' knowledge and awareness of the significance of prudent and secure financial management. This program is endorsed as a paradigm of ongoing instruction for enhancing the national financial literacy index, particularly within the secondary education context. Keywords: education, financial literacy, service learning, investment strategy, Muhammadiyah Sukabumi Vocational School/High School
Optimizing savings and loan management through digital financial software training Dewi, Ika Oktaviana; Wahyudi, Imam; Sustiyana; Garfansa, Marchel Putra; Hanafi
Transformasi: Jurnal Pengabdian Masyarakat Vol. 21 No. 1 (2025): Transformasi Juni
Publisher : LP2M Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/transformasi.v21i1.12828

Abstract

[Bahasa]: Pengelolaan simpan pinjam yang efisien dan transparan menjadi tantangan utama kelompok PKK, terutama yang masih menggunakan metode manual, menyebabkan kesalahan perhitungan, keterlambatan laporan, dan kurangnya kepercayaan anggota. Untuk mengatasi hal ini, dilakukan pelatihan software keuangan digital berbasis Android melalui pendekatan Participatory Rural Appraisal (PRA), melibatkan peserta dalam identifikasi masalah hingga evaluasi. Hasilnya, pelatihan meningkatkan pemahaman peserta sebesar 77%, dengan 88% mampu mengoperasikan software secara mandiri dan akurasi pencatatan mencapai 91%. Efektivitas software PKK Fintech terhadap kinerja laporan keuangan terbukti signifikan: (1) akurasi perhitungan meningkat 83% (kesalahan turun dari 30% menjadi 5%), (2) ketepatan waktu pelaporan naik 183% (dari 30% menjadi 85%), dan (3) kepercayaan anggota meningkat 38% (dari 65% menjadi 90%) dengan rata-rata efektivitas 101.3%. Tingkat kepuasan peserta mencapai 80%, menunjukkan penerimaan yang positif. Kegiatan ini tidak hanya meningkatkan efisiensi pengelolaan simpan pinjam tetapi juga memperkuat partisipasi komunitas. Kendala utama adalah keterbatasan akses teknologi dan waktu pendampingan. Untuk keberlanjutan, direkomendasikan pengembangan modul digital, pelatihan berkala, dan perluasan implementasi ke kelompok PKK lainnya. Software PKK Fintech telah terbukti sebagai solusi modern yang akuntabel dan berkelanjutan untuk transformasi digital keuangan kelompok PKK. Kata Kunci: simpan pinjam, PKK Fintech, pengelolaan PKK, pelatihan, literasi digital [English]: Efficient and transparent management of savings and loans is a significant challenge for PKK groups, especially those still using manual methods, leading to miscalculations, late reporting, and a lack of member trust. To address this, training was conducted on Android-based digital financial software through the Participatory Rural Appraisal (PRA) approach, involving participants in problem-solving and evaluation. As a result, the training increased participant understanding by 77%, with 88% being able to operate the software independently, and recording accuracy reaching 91%. The results demonstrated the significant effectiveness of the PKK Fintech software on financial reporting performance, as reflected in: (1) calculation accuracy increased by 83% (errors decreased from 30% to 5%), (2) reporting timeliness increased by 183% (from 30% to 85%), and (3) member trust increased by 38% (from 65% to 90%) with an average effectiveness of 101.3%. The participant satisfaction level reached 80%, indicating positive acceptance. This activity increased the efficiency of savings and loan management and strengthened community participation. The main obstacles were limited access to technology and time for mentoring. For this purpose, developing digital modules, conducting regular training, and expanding the implementation of other PKK groups is recommended. PKK Fintech software has proven to be a modern, accountable, and sustainable solution for PKK groups' digital financial transformation. Keywords: savings and loans, PKK Fintech, PKK management, training, digital literacy
Empowering places of worship through information technology Sirmayanti
Transformasi: Jurnal Pengabdian Masyarakat Vol. 21 No. 1 (2025): Transformasi Juni
Publisher : LP2M Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/transformasi.v21i1.13259

Abstract

[Bahasa]: PNUP-Care merupakan gagasan program kepada masyarakat (PKM) yang diinisiasi melayani kebutuhan implementasi teknologi informasi (TI) bagi masyarakat pada era digitalasisi saat ini. GMA-community merupakan mitra PNUP-Care sebagai pilot-project pengembangan IT Rumah Ibadah pertama di wilayah kota Makassar. Rumah ibadah sebagai pusat ritual keagamaan, namun manakala dilengkapi sarana dan prasarana TI secara maksimal maka institusi ini akan menjadi lembaga referensi pendidikan karakter sekaligus pusat pengembangan kegiatan sosial kemasyarakatan baik pada aspek intelektual dan spiritual secara seimbang. Terdapat tiga aktivitas pilot-project PNUP-Care sebagai bagian dari permasalahan mitra yakni sarana dan prasarana, mutu pelayanan, dan sumber daya pengelola IT. Dengan metode observasi, teknologi transfer, penyuluhan/pelatihan, dan praktek/dem diperoleh hasil kegiatan diantranya (1) pengembangan website masjid berbasis mobile-web (2) instalasi GMA-Net berbasis fiber-optik, bebas akses dan unlimited bandwidth dan instalasi CCTV (TV monitor) multi-user yang dapat diakses oleh orangtua santri dan pengurus jamaah, (3) pelatihan berbasis learning-by-project dan coaching dengan pengenalan aplikasi web/mobile Pro dalam design grafis untuk membuat konten dakwah Islam yang menarik. Sistem digitalisasi rumah ibadah, khususnya masjid, dapat meningkatkan akses informasi global ke seluruh elemen jamaah (orangtua, remaja dan anak-anak) dalam menambah wawasan keislaman sekaligus media dakwah Islam di kekinian. Hal ini sekaligus juga sebagai langkah strategis dalam memakmurkan masjid, mendukung Gerakan Ayo Ke Masjid dan Masjid Ramah Anak (RMA). Kata Kunci: PNUP-Care, Teknologi Informasi, Masjid, Rumah Ibadah, Masjid Ramah Anak [English]: PNUP-Care is a community service initiative (PKM) designed to address the implementation needs of information technology (IT) for communities in today’s digital era. GMA-community serves as the partner for PNUP-Care and acts as the pilot project for the first IT-based House of Worship development in the city of Makassar. Houses of worship are traditionally centers for religious rituals; however, when equipped with optimal IT facilities and infrastructure, they can also serve as institutions for character education and as hubs for intellectual and spiritual community development. The PNUP-Care pilot project focuses on addressing three core issues faced by the partner institution: infrastructure, service quality, and IT management human resources. Using methods such as observation, technology transfer, counseling/training, and practical demonstrations, the project achieved several outcomes, including (1) the development of a mosque website based on mobile-web technology, (2) the installation of GMA-Net, a fiber-optic-based network providing free access and unlimited bandwidth, along with the installation of multi-user CCTV (TV monitors) accessible by both the parents of students and the mosque management, and (3) project-based learning and coaching sessions introducing professional-grade web/mobile design applications for creating engaging Islamic preaching content. The digitalization of houses of worship—particularly mosques—can significantly improve access to global information for all congregational segments (parents, youth, and children), enrich Islamic understanding, and provide a modern platform for Islamic outreach. This initiative also represents a strategic step in revitalizing mosque functions, supporting the "Let's Go to the Mosque" movement and promoting Child-Friendly Mosques (RMA). Keywords: PNUP-Care, Information Technology, Mosque, House of Worship, Child-Friendly Mosque

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