Building Sustainable Financial Management for Migrant Workers
Abstract
(PMI) terhadap pengelolaan keuangan yang bijak dan berkelanjutan. Kegiatan pelatihan dilakukan di Puchong dan Kuala Lumpur Malaysia serta melibatkan beberapa mitra yaitu Ananda Lestari Maju Sdn Bhd, Bank Rakyat Indonesia, dan Bank Mandiri International Remittance. Pelatihan diikuti oleh 21 PMI dengan berbagai latar belakang pendidikan dan usia. Materi pelatihan mencakup enam materi utama, yaitu definisi literasi keuangan, perencanaan dasar-dasar keuangan, tabungan dan investasi aman, perencanaan pensiun, pengelolaan utang, dan kewaspadaan terhadap penipuan keuangan. Hasil evaluasi menunjukkan bahwa peserta mengalami peningkatan pemahaman yang signifikan, khususnya pada topik investasi dan perencanaan pensiun. Namun demikian, masih ditemukan kesenjangan pemahaman dalam hal pengelolaan utang dan identifikasi penipuan keuangan. Kegiatan ini membuka peluang bagi peserta untuk berperan sebagai agen perubahan di lingkungan sekitar, dengan membagikan pengetahuan kepada sesama pekerja migran maupun keluarga di tanah air, sehingga edukasi
keuangan yang diberikan dapat berdampak lebih luas dan berkelanjutan.
Kata kunci— Literasi Keuangan, Pekerja Migran Indonesia, Pengelolaan Keuangan Pribadi Abstract
The aim of financial literacy education programs is to improve Indonesian Migrant Workers' (PMI) comprehension on wise and sustainable financial management. The training activities were conducted in Puchong and Kuala Lumpur Malaysia and involved several partners including Ananda Lestari Maju Sdn Bhd, Bank Rakyat Indonesia, and Bank Mandiri International Remittance. The training was attended by 21 migrant workers with various educational backgrounds and ages. The training materials covered six main subjects, such as the definition of financial literacy, basic financial planning, savings and investment, retirement planning, debt management, and awareness of financial fraud. The evaluation results showed that participants experienced a significant increase in understanding, particularly on the topics of investment and retirement planning. However, there were still gaps in understanding in terms of debt management and fraud identification. This activity opens up opportunities for participants to act as agents of change in their surrounding environment, by sharing knowledge with fellow migrant workers and families in the country, so that the financial education provided can have a wider and more sustainable impact.
Keywords—Financial Literacy, Indonesian Migrant Workers, Personal Financial Management
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