Penguatan Literasi Keuangan Keluarga melalui Seminar sebagai Strategi Membangun Ketahanan Ekonomi Masyarakat Desa Jebugan

Abstract

Jebugan Village, like many rural areas in Indonesia, still faces challenges in household financial management, which were further burdened in 2026 by the depreciation of the Rupiah and rising living costs. This condition was compounded by the persistently low level of family financial literacy, as reflected in the 2025 National Financial Literacy and Inclusion Survey (SNLIK), which indicated significant gaps among rural communities. This community service program aimed to strengthen the understanding of families in  Jebugan Village regarding household budgeting, debt management, saving, investment, and long-term financial planning as a foundation for family economic resilience. The activity was implemented through a participatory seminar consisting of material presentation, interactive discussion, and a household budgeting simulation, with a pre-test and post-test used to measure changes in participants' understanding. The seminar was held on 28 June 2026 and attended by 23 families and residents of Jebugan Village. The results showed that the average proportion of correct understanding increased from 82.6% at pre-test to 100% at post-test, with the most notable improvement occurring in the practice of recording income and expenses, which rose from 47.8% to 100%. The overall N-Gain score reached 1.00, categorized as high, indicating that the seminar was highly effective in strengthening participants' financial literacy and in building the foundation for sustainable family economic resilience in Jebugan Village.