Edukasi Literasi Keuangan dan Mitigasi Risiko Pinjaman Online Bagi Masyarakat

Abstract

This Community Service (PkM) activity aims to improve basic financial literacy and equip the community with effective online loan (Pinjol) risk mitigation strategies. The implementation method is systematic and participatory, including: (1) Identification and Preparation (pre-test); (2) Simple Bookkeeping Training for personal cash management; (3) Online Loan (Pinjol) Risk Education and Mitigation, including a live simulation of OJK/SWI legality checks, loan contract analysis, and training on complaint reporting procedures; and (4) Monitoring and Evaluation (post-test).

The average post-test score increased by approximately 30% compared to the pre-test. In addition to increasing knowledge, participants began implementing simple financial record-keeping, understood the importance of budgeting, and were able to distinguish between legal and illegal online loans. The legality check simulation and interactive case discussions proved effective in raising public awareness of the safe use of digital financial services. This activity positively contributed to fostering more responsible financial behavior and improving the community's ability to avoid the risks of illegal online loans. Thus, this community service program has succeeded in achieving its stated objectives and is expected to support the sustainable improvement of community financial literacy.