Membentuk Generasi Mahasiswa Cerdas Finansial: Edukasi Literasi Keuangan Digital bagi Mahasiswa Baru IKIP PGRI Kalimantan Timur

Enny Kartini; Jubaidi Jubaidi

doi:10.58266/jpmb.v5i2.1841

Authors

Enny Kartini IKIP PGRI Kalimantan Timur, Indonesia
Jubaidi Jubaidi Universitas Muhammadiyah Kalimantan Timur, Indonesia

DOI:

https://doi.org/10.58266/jpmb.v5i2.1841

Keywords:

keamanan transaksi digital, layanan keuangan digital, literasi keuangan digital, mahasiswa baru, pengelolaan keuangan

Abstract

Perkembangan layanan keuangan digital menuntut mahasiswa memiliki kemampuan dasar dalam mengelola keuangan pribadi sekaligus menggunakan layanan keuangan digital secara aman dan bertanggung jawab. Mahasiswa baru merupakan kelompok strategis karena mulai menghadapi kebutuhan pengelolaan keuangan yang lebih mandiri sejak memasuki perguruan tinggi. Kegiatan pengabdian kepada masyarakat ini bertujuan memberikan edukasi literasi keuangan digital kepada mahasiswa baru IKIP PGRI Kalimantan Timur sebagai bekal awal dalam mengelola keuangan dan menghadapi risiko transaksi digital. Kegiatan dilaksanakan dalam rangka Pengenalan Kehidupan Kampus bagi Mahasiswa Baru dengan sasaran 288 mahasiswa baru selama 1 jam 30 menit. Pendekatan yang digunakan berupa edukasi partisipatif melalui penyampaian materi, diskusi, dan studi kasus yang melibatkan Bankaltimtara dan dosen Program Studi Manajemen Universitas Muhammadiyah Kalimantan Timur. Materi mencakup kebutuhan dan keinginan, penyusunan anggaran sederhana, pengelolaan pengeluaran, keamanan data dan akun, transaksi digital, penipuan digital, serta risiko layanan keuangan berbasis teknologi. Hasil kegiatan menunjukkan keterlibatan aktif peserta dalam diskusi dan kemampuan merespons kasus terkait keamanan transaksi serta pengelolaan keuangan digital. Luaran kegiatan berupa penguatan pemahaman dan kesadaran praktis mahasiswa dalam mengelola keuangan serta menggunakan layanan keuangan digital secara lebih aman dan bertanggung jawab.

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