Peningkatan Literasi Keuangan Digital dan Mitigasi Risiko FinTech bagi Guru MIS Al-Iqra Belawan

Mutiara Pulungan; Rovidatul Hikmah Tanjung; Rizki Arvi Yunita; Ervina  Rosarina Hasibuan; Fera Damayanti

doi:10.58266/jpmb.v5i2.1908

Authors

Mutiara Pulungan Politeknik Negeri Medan, Indonesia
Rovidatul Hikmah Tanjung Politeknik Negeri Medan, Indonesia
Rizki Arvi Yunita Politeknik Negeri Medan, Indonesia
Ervina Rosarina Hasibuan Politeknik Negeri Medan, Indonesia
Fera Damayanti Politeknik Negeri Medan, Indonesia

DOI:

https://doi.org/10.58266/jpmb.v5i2.1908

Keywords:

FinTech, guru madrasah, keamanan transaksi, literasi keuangan digital, mitigasi risiko

Abstract

Perkembangan layanan keuangan digital memberikan kemudahan transaksi sekaligus meningkatkan kebutuhan terhadap literasi dan keamanan finansial. Pengabdian Kemitraan Masyarakat ini bertujuan meningkatkan pengetahuan guru Madrasah Ibtidaiyah Swasta Al-Iqra Belawan mengenai layanan keuangan digital dan mitigasi risiko teknologi finansial. Kegiatan dilaksanakan melalui identifikasi kebutuhan, edukasi interaktif, diskusi, dan simulasi keamanan transaksi. Peserta berjumlah 15 guru, terdiri atas 14 lulusan S1 dan satu lulusan S2. Materi meliputi mobile banking, dompet elektronik, QRIS, legalitas layanan, phishing, serta perlindungan PIN dan OTP. Berdasarkan hasil evaluasi 15 peserta, rerata pre-test sebesar 49,3 meningkat menjadi 81,3 pada post-test, atau naik 32,0 poin (64,9% relatif terhadap nilai awal). Seluruh peserta mengalami peningkatan skor dan 12 guru (80%) mencapai nilai akhir minimal 80. Hasil ini menunjukkan peningkatan pengetahuan segera setelah pelatihan, tetapi belum membuktikan perubahan perilaku jangka panjang. Pendampingan lanjutan diperlukan untuk mendukung penerapan kebiasaan transaksi yang aman.

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