Literasi Keuangan: Strategi Menghindari Masalah Pinjaman Online di Masyarakat Kelurahan Kaduagung Kecamatan Tigaraksa Kabupaten Tangerang
Abstract
This community service program aimed to enhance financial literacy among residents of Kaduangung, Tigaraksa, Tangerang, specifically focusing on the risks associated with online loans. By conducting a workshop for local community leaders, the program sought to equip participants with the knowledge and tools necessary to make informed financial decisions. The workshop covered essential financial concepts such as budgeting, saving, investing, and debt management, with a particular emphasis on the potential pitfalls of online lending. Through interactive discussions and practical examples, participants gained a deeper understanding of the importance of financial planning and the strategies to avoid falling into debt traps. The program's evaluation revealed a positive impact on participants' financial knowledge and a heightened awareness of the risks associated with online loans. Recommendations for future initiatives include expanding the program's reach, developing more specialized materials, and leveraging technology to enhance accessibility.
Keywords: Financial Literacy, Online Loans
Abstrak
Program pengabdian masyarakat ini bertujuan untuk meningkatkan literasi keuangan di kalangan warga Kaduangung, Tigaraksa, Tangerang, dengan fokus khusus pada risiko yang terkait dengan pinjaman online. Dengan menyelenggarakan lokakarya bagi para pemimpin komunitas setempat, program ini berusaha untuk membekali peserta dengan pengetahuan dan alat yang diperlukan untuk membuat keputusan keuangan yang informatif. Lokakarya mencakup konsep keuangan penting seperti penganggaran, menabung, berinvestasi, dan manajemen utang, dengan penekanan khusus pada potensi bahaya pinjaman online. Melalui diskusi interaktif dan contoh-contoh praktis, peserta memperoleh pemahaman yang lebih dalam tentang pentingnya perencanaan keuangan dan strategi untuk menghindari terperangkap dalam jebakan utang. Evaluasi program mengungkapkan dampak positif pada pengetahuan keuangan peserta dan kesadaran yang lebih tinggi tentang risiko yang terkait dengan pinjaman online. Rekomendasi untuk inisiatif masa depan termasuk memperluas jangkauan program, mengembangkan materi yang lebih khusus, dan memanfaatkan teknologi untuk meningkatkan aksesibilitas.
Kata Kunci: Literasi Keuangan, Pinjaman Online
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Open Access
PAR (Proceeding of Accounting Responsibility) is a national peer reviewed and open access journal that publishes significant and important research from all area of agroindustry.
This journal provides immediate open access to its content that making research publish in this journal freely available to the public that supports a greater exchange of knowledge.
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