AKSELERASI LITERASI KEUANGAN PETANI DAN UMKM RUMBAI JAYA DALAM MEMITIGASI RISIKO INVESTASI ILEGAL
Keywords:
Financial Literacy, MSMEs, Emergency Fund, Fraudulent Investment, Risk MitigationAbstract
The financial literacy of informal sector workers in Rumbai Jaya Village, specifically farmers and MSME actors, remains low. They practice conventional investments, but the absence of emergency fund management often depletes their savings for sudden needs. This is exacerbated by a high vulnerability to predatory online loans and fraudulent investments. This community service aims to map financial literacy and educate partners in financial planning and mitigating illegal investment risks. Utilizing a participatory qualitative approach, the initiative was executed through a structured three-stage methodology: baseline mapping via in-depth interviews, personalized one-on-one educational interventions, and responsive evaluation. The intervention results showed a significant increase in the partners' cognitive awareness. MSME business owners and farmers began understanding genuine investment concepts, the urgency of separating emergency funds to protect productive assets, and developed critical vigilance against unauthorized investment offers. In conclusion, personal education effectively overcomes the lack of financial information in rural areas. The village government is recommended to collaborate with official financial institutions to conduct continuous literacy training, thereby strengthening the community's economic resilience.
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