Main Article Content
Abstract
Abstract. Poverty remains a major challenge in improving social welfare in Indonesia. The government launched the Family Hope Program (PKH) to support low-income families through financial assistance and financial management training to achieve economic independence. This community service activity aims to enhance financial literacy and budgeting skills among PKH beneficiaries in Waysidomukti Village, South Lampung. The implementation method employed Participatory Action Research (PAR) through counseling, simulations, mentoring, and group discussions. Participants were taught to create budgets, record expenses, and allocate funds. The results showed increased understanding of financial planning, as evidenced by habits of recording expenses and setting aside savings, supporting financial independence and reducing reliance on PKH assistance.
Abstrak. Kemiskinan menjadi tantangan besar dalam meningkatkan kesejahteraan sosial di Indonesia. Pemerintah meluncurkan Program Keluarga Harapan (PKH) untuk mendukung keluarga berpenghasilan rendah melalui bantuan keuangan dan pelatihan pengelolaan keuangan guna mencapai kemandirian ekonomi. Kegiatan pengabdian masyarakat ini bertujuan meningkatkan literasi keuangan dan keterampilan pengelolaan anggaran keluarga penerima PKH di Desa Waysidomukti, Kecamatan Ketapang, Lampung Selatan. Metode pelaksanaan menggunakan Participatory Action Research (PAR) melalui konseling, simulasi, pendampingan, dan diskusi. Peserta belajar menyusun anggaran, mencatat pengeluaran, dan mengalokasikan dana. Hasil menunjukkan peningkatan pemahaman peserta dalam perencanaan keuangan, terlihat dari kebiasaan mencatat pengeluaran dan menyisihkan tabungan, sehingga mendukung kemandirian keuangan serta pengurangan ketergantungan pada PKH.
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References
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- Lestari, W., Kartono, D. T., Demartoto, A., & Setiyawan, K. B. (2019). The Empowerment of Households towards Independence through Social Capital in Program Keluarga Harapan (PKH). Society, 7(2), 268–280. https://doi.org/10.33019/society.v7i2.124
- McCracken, K. (2015). Best practice myths and trusted advisers. Journal of Family Business Management, 5(2), 130 – 139. https://doi.org/10.1108/JFBM-08-2015-0031
- Muske, G., & Winter, M. (2004). Personal financial management education: An alternative paradigm. Journal of Financial Counseling and Planning, 15(2), 79 – 88. https://www.scopus.com/inward/record.uri?eid=2-s2.0-39749096755&partnerID=40&md5=d4ddce588b7d531767cca40cf758e190
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- Sinurat, P. P. R. (2023). Analisis Faktor-Faktor Penyebab Kemiskinan Sebagai Upaya Penanggulangan Kemiskinan di Indonesia. Jurnal Registratie, 5(2), 87–103. https://doi.org/10.33701/jurnalregistratie.v5i2.3554
- Strong, J. S. (2023). Financial management and family business: a perspective article. Journal of Family Business Management. https://doi.org/10.1108/JFBM-10-2023-0239
References
Bay, A. Z., Kumalasari, F., Fetni, F., & Maulid, L. O. (2025). Peran pertemuan peningkatan kapasitas keluarga pada pengelolaan keuangan keluarga penerima manfaat program keluarga harapan. Journal Publicuho, 7(4), 2439–2448. https://doi.org/10.35817/publicuho.v7i4.554
Dana, L. E., & Smyrnios, K. X. (2010). Family business best practices: Where from and where to? Journal of Family Business Strategy, 1(1), 40 – 53. https://doi.org/10.1016/j.jfbs.2009.12.002
Daniell, M. H., & McCullough, T. (2023). Family Wealth Management: Seven Imperatives For Successful Investing, Second Edition. In Family Wealth Management: Seven Imperatives for Successful Investing, Second Edition. https://doi.org/10.1142/13129
Fogg, C., Lanning, E., Shoebridge, J., Longstaff, J., De Vos, R., Dawson-Taylor, K., Glanville-Hearson, A., Carpenter, D., Court, S., Brown, T., Heiden, E., & Chauhan, A. (2022). The role of Participatory Action Research in developing new models of healthcare: Perspectives from participants and recommendations for ethical review and governance oversight. Ethics, Medicine and Public Health, 24. https://doi.org/10.1016/j.jemep.2022.100833
Gosztonyi, M. (2024). How? – Participatory action research with a low-income community. In An Autopsy of Ethnographic Fieldwork: An Introspective Look into Qualitative Research Experiences. https://doi.org/10.4324/9781003373728-9
Handayani, L., & Aliyudin, A. (2023). Pemberdayaan Masyarakat Pada Program Keluarga Harapan (PKH). Tamkin: Jurnal Pengembangan Masyarakat Islam, 5(1), 21–42. https://doi.org/10.15575/tamkin.v5i1.24164
Hehanussa, S. J., & Hiariej, N. (2024). PkM OF Enhancement Financial Literacy Through Training And Simulation Family Financial Management. Deleted Journal, 2(4), 201–207. https://doi.org/10.62568/jocs.v2i4.79
Ifi, M. L. (2024). The Smart Way to Manage Family Finances For Beneficiary Families (KPM) Hope Family Program (PKH). Journal of Research and Technology (JRT), 7(1). https://doi.org/10.36928/jrt.v7i1.2148
Julfani, L., & Mirzaya, I. (2023). Dampak Program Keluarga Harapan (PKH) terhadap Peningkatan Kesejahteraan Keluarga Miskin di Kelurahan Kerasaan I Kecamatan Pematang Bandar Kabupaten Simalungun. Religion, Education, and Social Laa Roiba Journal (RESLAJ), 5(6), 42–58. https://doi.org/10.47467/reslaj.v5i6.270
Korankye, T., & Pearson, B. (2023). Managing Household Finances: How Engaging in Financial Management Activities Relates to the Experiential Well-Being of Americans. Journal of Risk and Financial Management, 16(2). https://doi.org/10.3390/jrfm16020132
Lestari, W., Kartono, D. T., Demartoto, A., & Setiyawan, K. B. (2019). The Empowerment of Households towards Independence through Social Capital in Program Keluarga Harapan (PKH). Society, 7(2), 268–280. https://doi.org/10.33019/society.v7i2.124
McCracken, K. (2015). Best practice myths and trusted advisers. Journal of Family Business Management, 5(2), 130 – 139. https://doi.org/10.1108/JFBM-08-2015-0031
Muske, G., & Winter, M. (2004). Personal financial management education: An alternative paradigm. Journal of Financial Counseling and Planning, 15(2), 79 – 88. https://www.scopus.com/inward/record.uri?eid=2-s2.0-39749096755&partnerID=40&md5=d4ddce588b7d531767cca40cf758e190
Rosskam, E. (2018). Using Participatory Action Research Methodology to Improve Worker Health. In Unhealthy Work: Causes, Consequences, Cures. https://doi.org/10.4324/9781315223421-15
Sinurat, P. P. R. (2023). Analisis Faktor-Faktor Penyebab Kemiskinan Sebagai Upaya Penanggulangan Kemiskinan di Indonesia. Jurnal Registratie, 5(2), 87–103. https://doi.org/10.33701/jurnalregistratie.v5i2.3554
Strong, J. S. (2023). Financial management and family business: a perspective article. Journal of Family Business Management. https://doi.org/10.1108/JFBM-10-2023-0239