PELATIHAN PENGELOLAAN KEUANGAN RUMAH TANGGA BERBASIS SAKINAH FINANCE BAGI IBU RUMAH TANGGA DI DUSUN CISIREUM
Abstract
Household financial management plays a critical role in realizing family stability and spiritual welfare. In Cisireum Village, 35 housewives faced significant economic challenges, including irregular household income, an absence of cash-flow recording, and exposure to high-interest informal loans and illegal online lending. This community service program aimed to strengthen sharia financial literacy and practical budgeting skills among housewives through training based on the Sakinah Finance framework. Using a Participatory Action Research approach comprising situational analysis, interactive workshops, budget simulation, and four weeks of post-training mentoring, financial literacy scores increased significantly from a pre-test mean of 41.2 to a post-test mean of 87.5 (paired t-test, p < .001). Thirty-one of thirty-five participants (88.5%) consistently implemented the Sakinah envelope budgeting system and maintained daily cash-flow records, contributing to reduced reliance on informal debt and improved household financial resilience.References
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