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Saturday, April 26, 2025, a Community Service activity was held at Griya Beringin Asri Housing RT 03 RW 13, Wonosari Village, Ngaliyan District, Semarang City. This activity raised the theme “Family Financial Literacy Training with the Topic of Good Debt Management”. This activity was held by five lecturers from the economics study program, Faculty of Economics and Business, UNDIP, chaired by Maulana Ghani Yusuf, S.Si., M.E with members Deny Cahyadinanto Sanjoko, S.E., M.Ec.Dev., MAPPI (Cert.), Wulan Oktabriyantina, S.Pd., M.S.E, Navi’ah Khusniati, S.E., M.Sc, and Nenik Woyanti, S.E., M.Si.
This training was held in response to the still low level of financial literacy among residents, especially PKK mothers, who often face challenges in managing family finances effectively. Lack of understanding regarding financial planning, debt management, and the use of financial products such as savings, insurance, or investments, has the potential to increase the risk of financial problems, such as difficulty saving and getting trapped in high-interest debt or illegal investments.
One of the presentation materials by Deny Cahyadinanto Sanjoko, S.E., M.Ec.Dev., MAPPI (Cert.)
Through this training, participants are provided with materials on the importance of family financial management, strategies for managing debt healthily, and household budget management simulations. In the simulation session, participants are asked to manage an example of an income of IDR 4,000,000 per month into the categories of basic needs, tertiary needs, debt installments, and savings and emergency funds, so that they can understand the importance of balanced financial allocation. Participants are also invited to make a personal commitment to managing family finances more wisely.
It is hoped that through this activity, the financial literacy of PKK mothers at Griya Beringin Asri can increase, so that they can encourage the economic welfare of families and the Ngaliyan community more broadly. Good family financial management requires basic principles, namely allocating 50% of income for basic needs, a maximum of 30% to pay debt installments, and the remaining 20% for savings or other needs.
Group photo with PKK mothers of RT3 Griya Beringin Asri, Ngaliyan, Semarang City
Through this training, it is hoped that participants can apply the knowledge gained in everyday life, so that they are able to build a stronger, safer, and more sustainable family financial foundation. Awareness of the importance of wise financial management will not only improve the quality of life of families, but also encourage economic growth in the surrounding community.
This community service activity is a positive initial step to continue to foster a culture of financial literacy in the community. In the future, it is hoped that similar activities can continue to be carried out routinely, reaching more residents, and discussing various other important topics related to family economic empowerment.
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