Educational Programs For Financial Planning in Jogahan Village, Kulon Progo, Yogyakarta
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Oct 26, 2023
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Abstract
Financial education is a strategy for mitigating the effects of unexpected financial crises. Planning is essential not only for organizations, but also for people and households. However, when compared to financial planning in practice, such as investment or saving recommendations, study focusing on financial education is uncommon. In our situation, for example, residents of Jogahan village are illiterate and admit to lacking financial planning expertise. As a result, the purpose of this study is to evaluate the efficacy of a month-long financial education program aimed primarily at children, youth, and society in general. According to the results, the programs achieve an 80% degree of success from the intended targets. The programs helped them improve their financial literacy, which included financial planning. However, this application did not teach them using an algorithm that can indicate the optimal composition of assets accumulated in order to maintain their life sustainability. Financial education, in the long term, contributes to a more sustainable existence as well as a more resilient economic society.
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Wiranatakusuma, D. B. (2023). Educational Programs For Financial Planning in Jogahan Village, Kulon Progo, Yogyakarta. Journal on Education, 6(1), 9295-9306. https://doi.org/10.31004/joe.v6i1.4436
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References
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Lusardi, A., & Mitchell, O. S. (2007). Baby Boomer retirement security: The roles of planning, financial literacy, and housing wealth. Journal of Monetary Economics, 54(1), 205–224. https://doi.org/10.1016/j.jmoneco.2006.12.001
Lusardi, A., & Mitchell, O. S. (2008). Planning and financial literacy: How do women fare? American Economic Review, 98(2), 413–417. https://doi.org/10.1257/aer.98.2.413
Maranas, C. D., Androulakis, I. P., Floudas, C. A., Berger, A. J., & Mulvey, J. M. (1997). Solving long-term financial planning problems via global optimization. Journal of Economic Dynamics and Control, 21(8–9), 1405–1425. https://doi.org/10.1016/s0165-1889(97)00032-8
Monticone, C. (2010). How much does wealth matter in the acquisition of financial literacy? Journal of Consumer Affairs, 44(2), 403–422. https://doi.org/10.1111/j.1745-6606.2010.01175.x
Mulvey, J. M., & Shetty, B. (2004). Financial planning via multi-stage stochastic optimization. Computers and Operations Research, 31(1), 1–20. https://doi.org/10.1016/S0305-0548(02)00141-7
Mulyati, S., & Hati, R. P. (2021). Pengaruh Literasi Keuangan dan Sikap terhadap Uang pada Pengelolaan Keuangan Keluarga. Jurnal Ilmiah Akuntansi dan Finansial Indonesia, 4(2), 33–48.
Pearce, J. A., Robbins, D. K., & Robinson, R. B. (1987). The impact of grand strategy and planning formality on financial performance. Strategic Management Journal, 8(2), 125–134. https://doi.org/10.1002/smj.4250080204
Peecher, M. E. (2002). Discussion of evaluating financial reporting quality: The effects of financial expertise vs. financial literacy. Accounting Review, 77(SUPPL.), 169–173. https://doi.org/10.2308/accr.2002.77.s-1.169
Poston, R., &Grabski, S. (2001). Financial impacts of enterprise resource planning implementations. International Journal of Accounting Information Systems, 2(4), 271–294. https://doi.org/10.1016/S1467-0895(01)00024-0
Rudy, R., Sunardi, N., &Kartono, K. (2020). Pengetahuan Keuangan dan pengaruhnya terhadap Pengelolaan Keuangan Pribadi dan dampaknya terhadap Kesejahteraan Masyarakat Desa Cihambulu, Kec. Pabuaran Kab. Subang. Jurnal SEKURITAS (Saham, Ekonomi, Keuangan dan Investasi), 4(1), 43. https://doi.org/10.32493/skt.v4i1.6335
Servon, L. J., &Kaestner, R. (2008). Consumer financial literacy and the impact of online banking on the financial behavior of lower-income bank customers. Journal of Consumer Affairs, 42(2), 271–305. https://doi.org/10.1111/j.1745-6606.2008.00108.x
Stawski, R. S., Hershey, D. A., & Jacobs-Lawson, J. M. (2007). Goal clarity and financial planning activities as determinants of retirement savings contributions. International Journal of Aging and Human Development, 64(1), 13–32. https://doi.org/10.2190/13GK-5H72-H324-16P2
Syuliswati, A. (2020). Pendidikan Pengelolaan Keuangan Keluarga, Gaya Hidup, Pembelajaran Serta Pengaruhnya Terhadap Literasi Keuangan. Akuntansi Bisnis & Manajemen (ABM), 27(1), 53. https://doi.org/10.35606/jabm.v27i1.553
Triani, N. N. A., &Handayani, S. (2018). Praktik Pengelolaan Keuangan Dana Desa. Jurnal Akuntansi Multiparadigma, 9(1), 136–155. https://doi.org/10.18202/jamal.2018.04.9009
Wiranatakusuma, D. B., & Utama, S. (2022). Peningkatan Literasi Keuangan Melalui Pelatihan dan Sertifikasi Perencanaan Keuangan Keluarga Syariah Pada Perangkat Desa di KelurahanLumbungrejo, Sleman, Yogyakarta. Jurnal Pendidikan dan Konseling, 4(4), 6410–6418.
Wulandari, I., & Utami, E. S. (2020). Perencanaan dan Pengeloalaan Keuangan Keluarga pada Ibu Rumah Tangga Dusun Pasekan Lor, Balecatur, Gamping, Sleman, Yogyakarta. Jurnal Abdimas BSI: JurnalPengabdianKepada Masyarakat, 3(2), 236–243. https://doi.org/10.31294/jabdimas.v3i2.7209
Barbaro, A., &Bagajewicz, M. J. (2004). Managing Financial Risk in Planning under Uncertainty. AICHE Journal, 50(5), 963–989. https://doi.org/10.1002/aic.10094
Batson, R. G. (1989). Financial planning using goal programming. Long Range Planning, 22(5), 112–120. https://doi.org/10.1016/0024-6301(89)90175-1
Beal, D. J., &Delpachitra, S. B. (2003). Financial Literacy Among Australian University Students. Economic Papers, 22(1), 65–78. https://doi.org/10.1111/j.1759-3441.2003.tb00337.x
Brilianti,T. R., & Lutfi, L. (2020). Pengaruh pengetahuan keuangan, pengalaman keuangan, dan pendapatan terhadap perilaku keuangan keluarga. Journal of Business and Banking, 9(2), 197. https://doi.org/10.14414/jbb.v9i2.1762
Cariño, D. R., & Ziemba, W. T. (1998). Formulation of the Russell-Yasuda Kasai financial planning model. Operations Research, 46(4), 433–449. https://doi.org/10.1287/opre.46.4.433
Dwilita, H., & Sari, P. B. (2020). Analisis Pengelolaan Keuangan Keluarga dan Literasi Keuangan Wanita di Dusun 20 Desa Klambir Lima Kebun. Jurnal AKMAMI (Akutansi, Manajemen, Ekonomi,), 1(3), 184–197.
Fajriyah, I. L., &Listiadi, A. (2021). Pengaruh uang saku dan Pendidikan keuangan keluarga terhadap pengelolaan keuangan pribadi melalui literasi keuangan sebagai intervening. Journal Ekonomi Keuangan dan Manajemen, 17, 61–72. https://doi.org/10.30872/jinv.v17i1.9176
Finlayson, A. (2009). Financialisation, financial literacy and asset-based welfare. British Journal of Politics and International Relations, 11(3), 400–421. https://doi.org/10.1111/j.1467-856X.2009.00378.x
Geyer, A., & Ziemba, W. T. (2008). The innovest Austrian pension fund financial planning model InnoALM. Operations Research, 56(4), 797–810. https://doi.org/10.1287/opre.1080.0564
Glass, J. C., & Kilpatrick, B. B. (1998). Financial planning for retirement: An imperative for baby boomer women. Educational Gerontology, 24(6), 595–617. https://doi.org/10.1080/0360127980240606
Hariyani, R. (2022). Urgensi Literasi Keuangan Terhadap Pengelolaan Keuangan Pribadi Mahasiswa di Masa Pandemi Covid-19 di Indonesia. WidyaCipta: Jurnal Sekretari dan Manajemen, 6(1), 46–54. https://doi.org/10.31294/widyacipta.v6i1.12234
Hershey, D. A., Jacobs-Lawson, J. M., McArdle, J. J., &Hamagami, F. (2007). Psychological foundations of financial planning for retirement. Journal of Adult Development, 14(1–2), 26–36. https://doi.org/10.1007/s10804-007-9028-1
Hidayah, R., Suryandari, D., &Purwanti, A. (2019). Pengelolaan Keuangan Keluarga dalam Rangka Peningkatan Masyarakat Mandiri dan Berperan dalam Peningkatan Literasi Keuangan Indonesia (Otoritas Jasa Keuangan). ABDIMAS Jurnal Pengabdian kepada Masyarakat, 23(3), 165–169. http://dx.doi.org/10.15294/abdimas.v23i2.17951
Hidayat, S. (2020). Literasi Keuangan Untuk Pengelolaan Keuangan Pribadi. Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS), 1(2), 130–133.
Indriani, W., &Nurbaiti. (2021). Edukasi Pengelolaan Keuangan Pribadi Dimasa Pandemi Covid-19 Pada Karang Taruna Desa Sumber Agung. Jurnal Bakat (Bakti Masyarakat Manajemen, 1(1), 7. https://doi.org/10.33024/bakat%20manajemen.v1i1.5212
Komara, A., Yana, E., & Wibowo, S. N. (2023). Pelatihan Pengelolaan Keuangan Pemuda Karang Taruna Untuk Menunjang Usaha Produk Limbah Kulit Jok Di Desa Wanasalam Kabupaten Majalengka. Jurnal P engabdian Kepada Masyarakat, 4(1), 824–829. https://doi.org/10.31949/jb.v4i1.417
Kurniawan, R., Mardoni, A., &Murahman, M. (2022). Partisipasi Masyarakat Dalam Pengelolaan Keuangan Desa Bukit Ulu Kecamatan Karang Jaya Kabupaten Musi Rawas Utara. PAsira: Journal of Public Administration Musi Raya, 5(1), 31–37.
Lusardi, A., & Mitchell, O. S. (2007). Baby Boomer retirement security: The roles of planning, financial literacy, and housing wealth. Journal of Monetary Economics, 54(1), 205–224. https://doi.org/10.1016/j.jmoneco.2006.12.001
Lusardi, A., & Mitchell, O. S. (2008). Planning and financial literacy: How do women fare? American Economic Review, 98(2), 413–417. https://doi.org/10.1257/aer.98.2.413
Maranas, C. D., Androulakis, I. P., Floudas, C. A., Berger, A. J., & Mulvey, J. M. (1997). Solving long-term financial planning problems via global optimization. Journal of Economic Dynamics and Control, 21(8–9), 1405–1425. https://doi.org/10.1016/s0165-1889(97)00032-8
Monticone, C. (2010). How much does wealth matter in the acquisition of financial literacy? Journal of Consumer Affairs, 44(2), 403–422. https://doi.org/10.1111/j.1745-6606.2010.01175.x
Mulvey, J. M., & Shetty, B. (2004). Financial planning via multi-stage stochastic optimization. Computers and Operations Research, 31(1), 1–20. https://doi.org/10.1016/S0305-0548(02)00141-7
Mulyati, S., & Hati, R. P. (2021). Pengaruh Literasi Keuangan dan Sikap terhadap Uang pada Pengelolaan Keuangan Keluarga. Jurnal Ilmiah Akuntansi dan Finansial Indonesia, 4(2), 33–48.
Pearce, J. A., Robbins, D. K., & Robinson, R. B. (1987). The impact of grand strategy and planning formality on financial performance. Strategic Management Journal, 8(2), 125–134. https://doi.org/10.1002/smj.4250080204
Peecher, M. E. (2002). Discussion of evaluating financial reporting quality: The effects of financial expertise vs. financial literacy. Accounting Review, 77(SUPPL.), 169–173. https://doi.org/10.2308/accr.2002.77.s-1.169
Poston, R., &Grabski, S. (2001). Financial impacts of enterprise resource planning implementations. International Journal of Accounting Information Systems, 2(4), 271–294. https://doi.org/10.1016/S1467-0895(01)00024-0
Rudy, R., Sunardi, N., &Kartono, K. (2020). Pengetahuan Keuangan dan pengaruhnya terhadap Pengelolaan Keuangan Pribadi dan dampaknya terhadap Kesejahteraan Masyarakat Desa Cihambulu, Kec. Pabuaran Kab. Subang. Jurnal SEKURITAS (Saham, Ekonomi, Keuangan dan Investasi), 4(1), 43. https://doi.org/10.32493/skt.v4i1.6335
Servon, L. J., &Kaestner, R. (2008). Consumer financial literacy and the impact of online banking on the financial behavior of lower-income bank customers. Journal of Consumer Affairs, 42(2), 271–305. https://doi.org/10.1111/j.1745-6606.2008.00108.x
Stawski, R. S., Hershey, D. A., & Jacobs-Lawson, J. M. (2007). Goal clarity and financial planning activities as determinants of retirement savings contributions. International Journal of Aging and Human Development, 64(1), 13–32. https://doi.org/10.2190/13GK-5H72-H324-16P2
Syuliswati, A. (2020). Pendidikan Pengelolaan Keuangan Keluarga, Gaya Hidup, Pembelajaran Serta Pengaruhnya Terhadap Literasi Keuangan. Akuntansi Bisnis & Manajemen (ABM), 27(1), 53. https://doi.org/10.35606/jabm.v27i1.553
Triani, N. N. A., &Handayani, S. (2018). Praktik Pengelolaan Keuangan Dana Desa. Jurnal Akuntansi Multiparadigma, 9(1), 136–155. https://doi.org/10.18202/jamal.2018.04.9009
Wiranatakusuma, D. B., & Utama, S. (2022). Peningkatan Literasi Keuangan Melalui Pelatihan dan Sertifikasi Perencanaan Keuangan Keluarga Syariah Pada Perangkat Desa di KelurahanLumbungrejo, Sleman, Yogyakarta. Jurnal Pendidikan dan Konseling, 4(4), 6410–6418.
Wulandari, I., & Utami, E. S. (2020). Perencanaan dan Pengeloalaan Keuangan Keluarga pada Ibu Rumah Tangga Dusun Pasekan Lor, Balecatur, Gamping, Sleman, Yogyakarta. Jurnal Abdimas BSI: JurnalPengabdianKepada Masyarakat, 3(2), 236–243. https://doi.org/10.31294/jabdimas.v3i2.7209