Stock Investment Education through PKK to Build Indonesian Human Resources for Family Welfare

Authors

DOI:

https://doi.org/10.55824/jpm.v4i1.486

Keywords:

Stock Investment, Ajaib Application, Financial Literacy, Indonesian Human Resources, Family Welfare

Abstract

The low level of financial literacy in Indonesia, with a rate of only 38.03%, is a challenge in managing family finances, especially among homemakers. Homemakers who are members of the Family Welfare Empowerment (PKK) have great potential to be empowered. Still, most do not yet understand stock investment as an alternative for long-term financial management. This program is designed to improve the financial literacy of PKK mothers through stock investment education to help them manage family finances more effectively and sustainably.

The solution implemented involves community-based education with a participatory approach. The implementation method includes interactive training, stock investment simulations using a digital platform, and real-world practice assistance. This program is implemented for three months in three stages: basic education, simulation, and direct application.

The results showed a significant increase in participant understanding, from 20% who understood the basic concept of stock investment before training to 85% after training. As many as 70% of participants started real investments with small funds. In addition, this program forms stock study groups, increases self-confidence, and creates an investment culture in the community. This program provides innovative solutions to empower local communities and improve family welfare through better financial literacy.

References

Beckmann, E. (2013). Financial Literacy and Household Savings in Romania. Numeracy, 6(2). https://doi.org/10.5038/1936-4660.6.2.9

Harmadji, E., & Hastutik, S. (2023). Digital Umkm Di Usaha Laundry Hiklin Umkm Kota Malang. Studi Kasus Inovasi Ekonomi, 07(02), 153–158. https://ejournal.umm.ac.id/index.php/skie/article/view/28903%0Ahttps://ejournal.umm.ac.id/index.php/skie/article/download/28903/13019

Hastutik, S. (2021). Digital Transformation of Service Business SME Financial Report. Proceedings of the BISTIC Business Innovation Sustainability and Technology International Conference (BISTIC 2021), 193(Bistic), 297–306. https://doi.org/https://doi.org/10.2991/aebmr.k.211115.044

Hatuti, S., & Harmadji, D. E. (2022). Digital Transformation Of MSME Financial Recording Cash Flow Family Business. Jurnal Ekbis, 23(1), 330. https://doi.org/10.30736/je.v23i1.1150

Lusardi, A., & Mitchell, O. S. (2013). The economic importance of financial literacy. Journal of Economic Literature, 52(1), 65.

OJK. (2029). Survei Nasional Literasi dan Inklusi Keuangan Indonesia 2019. Survey Report, 1–26. http://jurnal.upmk.ac.id/index.php/pelitapaud/article/view/3483/1453

Downloads

Published

2025-01-17

Issue

Vol. 4 No. 1 (2025): Januari

Section

Articles

License

Penulis yang menerbitkan jurnal ini menyetujui persyaratan berikut:

  1. Hak cipta atas artikel apa pun dipegang oleh penulisnya.
  2. Penulis memberikan jurnal, hak publikasi pertama dengan karya yang dilisensikan secara bersamaan di bawah Lisensi Atribusi Creative Commons yang memungkinkan orang lain untuk membagikan karya dengan pengakuan atas kepenulisan dan publikasi awal karya tersebut dalam jurnal ini.
  3. Penulis dapat membuat pengaturan kontrak tambahan yang terpisah untuk distribusi non-eksklusif dari versi jurnal yang diterbitkan dari karya tersebut (misalnya, mempostingnya ke repositori institusional atau menerbitkannya dalam sebuah buku), dengan pengakuan dari publikasi awalnya di jurnal ini.
  4. Penulis diizinkan dan didorong untuk memposting karya mereka secara online (misalnya, di repositori institusional atau di situs web mereka) sebelum dan selama proses pengiriman, karena hal itu dapat mengarah pada pertukaran yang produktif, serta kutipan yang lebih awal dan lebih besar dari karya yang diterbitkan.
  5. Artikel dan materi terkait yang diterbitkan didistribusikan di bawah Lisensi Internasional Creative Commons Attribution-ShareAlike 4.0