Optimalisasi Pengelolaan Keuangan Keluarga Nelayan melalui Pemanfaatan Aplikasi Money+ untuk Meningkatkan Ketahanan Ekonomi Keluarga
DOI:
https://doi.org/10.47065/jpm.v7i2.3750Keywords:
Optimization of Financial Management; Fishermen Families; Money Application; Financial Literacy; Family Economic ResilienceAbstract
Fishing households face financial management challenges due to relatively fluctuating income and limited household financial recording practices. This community service activity aimed to improve the understanding and skills of fishing households in managing household finances through education, hands-on practice, and mentoring using the Money+ application. The activity was conducted in Karangsari Village, Tuban Regency, involving 20 women from fishing households. The activity adopted a participatory approach based on Participatory Action Research (PAR), consisting of needs identification, financial management education, application training, mentoring, and evaluation. Data were collected through questionnaires, observation, interviews, pre-tests, and post-tests. The data were analyzed descriptively using quantitative and qualitative approaches by comparing participants' conditions before and after the activity. The results showed that the average understanding score increased from 21.90 (54.75%) before the activity to 32.95 (82.38%) after the activity, representing an increase of 27.63 percentage points. Participants also began to record income and expenses, categorize transactions, prepare simple financial plans, and understand the importance of savings and emergency funds. Participant satisfaction reached 89.40%, categorized as very satisfied. These findings indicate that integrating financial literacy education, hands-on practice, digital technology, and participatory mentoring can support the improvement of fishing households' capacity to manage household finances.
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