PEMETAAN LITERASI DAN EDUKASI MANAJEMEN KEUANGAN SEBAGAI UPAYA MITIGASI RISIKO INVESTASI ILEGAL DI DESA TELUK DALAM
Keywords:
Financial Literacy, Investment Management, Risk Management, Family financial management, MSMEs, Community EducationAbstract
Financial literacy is a primary foundation for building community economic welfare, both in urban and rural areas. This study and community service project aims to map the level of financial literacy, identify investment problems, and provide financial management education to the community of Teluk Dalam Village, Indragiri Hilir Regency. Using a descriptive qualitative approach with a case study method, data collection was conducted through in-depth interviews with key informants representing youth figures, housewives, and MSME actors. The field findings indicate that the community's investment literacy is still relatively low, characterized by the dominance of conventional financial management, limited business capital, and vulnerability to financial crimes such as illegal savings schemes (arisan bodong) and illegal online loans. Nevertheless, the community has naturally implemented traditional wealth diversification through gold ownership and business assets. Financial literacy education interventions proved effective in enhancing public understanding and critical awareness to allocate funds rationally into legal and secure investment instruments.
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