Strategi Peningkatan Literasi Dan Inklusi Keuangan Bagi Masyarakat Agraris Di Kawasan Pedesaan

Abstract

The government's objective to increase financial literacy and inclusion should be supported by the stakeholders. The increasing of financial inclusion and literacy play important role to generate community livelihood. Currently, the level of financial inclusion and literacy in Indonesia are diverse. It depends on many factors such as where they are living, in urban area or country site. In urban areas, the financial literacy index reaches 41.41 percent and the level of financial inclusion reaches 83.60 percent. On the other hand, in rural areas the financial literacy index only 34.53 percent and the level of financial inclusion only reaches 68.49 percent. These statistics information show the lack of financial inclusion and literacy among rural community who most of them work as farmers and fishermans. Therefore this research is conducted through desk research methods to examine factors which cause the lack of financial inclusion and literacy within agrarian society. The research offers the strategic plan to improve financial inclusion and literacy index within three years period, which are devided into three phases. The first one is called as the phase of educating coomunity, the second phase is the penetration of financial institution and the last phase is expanding the access of financial services to the agrarian society. This road map is one of the alternative strategy that could be adopt to improve the financial inclusion and literacy and to support government development program.

Ekskalasi Literasi Keuangan Badan Usaha Milik ”Kalurahan” Di Kabupaten Sleman Melalui Pelatihan Akuntansi Dasar

“…Dengan adanya dana desa, setiap desa di Kabupaten Sleman sekarang memiliki lebih banyak otonomi dalam perencanaan dan pengelolaan keuangan, serta pembangunan desa (Safitri & Fathah, 2018;Zulbetti et al, 2019). Otonomi ini tidak hanya menandai langkah besar dalam pemberdayaan desa, tetapi juga menciptakan fondasi yang kuat bagi peningkatan kesejahteraan masyarakat desa di Sleman (Cahyaningtyas et al, 2020;Fahlevi et al, 2021).…”

“…Pertama, terdapat kekurangan dalam regulasi dan petunjuk pelaksanaan yang menjadi panduan dalam pengelolaan keuangan desa. Kekurangan ini berpotensi menciptakan ketidakpastian dan ketidakkonsistenan dalam pelaksanaan anggaran di tingkat desa (Fahlevi et al, 2021;Maharani & Cipta, 2022), termasuk di Sleman. Kedua, evaluasi KPK menyoroti adanya potensi masalah dalam tata laksana, termasuk pemahaman yang kurang mengenai kerangka waktu dan transparansi dalam proses manajerial (Cahyaningtyas et al, 2020;Safitri & Fathah, 2018).…”

“…Salah satu kunci untuk mencapai peningkatan ini adalah dengan sepenuh hati memberikan penjelasan yang menarik dan mudah dipahami oleh para peserta pelatihan akuntansi yang seluruhnya tidak memiliki dasar pengetahuan akuntansi (Ubaidillah et al, 2023;Zulbetti et al, 2019). Selain itu, pendampingan secara berkelanjutan terhadap proses penyusunan laporan keuangan BUMKAL pun terbukti mampu membangun sikap positif dari para pengurus BUMKAL sehingga pekerjaan mereka dalam mencatat transaksi keuangan pun menjadi lebih optimal (Cahyaningtyas et al, 2020;Fahlevi et al, 2021). Hal ini termasuk membekali mereka dengan pengetahuan dan keterampilan untuk mempraktikkan proses akuntansi transaksi umum dan penyusunan laporan keuangan entitas tanpa akuntabilitas publik (Fitriansyah & Nuryakin, 2021;Maharani & Cipta, 2022).…”

Financial Literacy Study of Urban Farmers in Makassar City

“…Furthermore, in the third indicator, knowledge about insurance found that the informants only knew about insurance in general. Because they know insurance only in general, their level of trust in using insurance is very minimal, even though according to (Fahlevi et al, 2021) a high level of financial literacy can help agrarian communities in choosing financial products that best suit their needs. Agrarian communities can access a variety of financial services, including agricultural insurance and financing for agricultural activities.…”