Sosialisasi dan Workshop Penguatan Literasi Keuangan Syariah Masyarakat di Desa Kalisabuk, Cilacap, Jawa Tengah
DOI:
https://doi.org/10.54082/jamsi.2918Kata Kunci:
Dana Darurat, Literasi Keuangan Syariah, Manajemen Arus Kas, Stabilitas EkonomiAbstrak
Literasi keuangan berperan penting dalam meningkatkan kemampuan individu dalam mengelola keuangan secara efektif, termasuk dalam mengatur pendapatan, pengeluaran, dan pengambilan keputusan finansial. Namun, masih rendahnya pemahaman masyarakat terhadap literasi keuangan syariah terlihat dari sebagian besar peserta kegiatan yang belum memahami pengelolaan arus kas, perencanaan dana darurat, serta prinsip-prinsip keuangan syariah dalam kehidupan sehari-hari. Kondisi tersebut menunjukkan perlunya penguatan literasi keuangan syariah melalui edukasi yang berkelanjutan. Metode pelaksanaan kegiatan pengabdian kepada masyarakat ini menggunakan pendekatan partisipatif melalui kegiatan sosialisasi dan workshop karena dinilai efektif dalam meningkatkan pemahaman masyarakat secara komprehensif mengenai pentingnya literasi keuangan syariah untuk jangka panjang. Pengelolaan arus kas yang baik memungkinkan terbentuknya dana darurat sebagai bentuk perlindungan terhadap risiko tak terduga. Dana darurat dengan memperhatikan pengendalian resiko dan sistem keamanan yang dikelola berdasarkan prinsip likuiditas, keamanan, kecukupan, disiplin, dan pemisahan dana dapat meningkatkan kesiapan individu dalam menghadapi risiko finansial serta menjaga stabilitas ekonomi. Dengan demikian, penguatan literasi keuangan syariah, manajemen arus kas, dan pengelolaan dana darurat menjadi faktor penting dalam menciptakan ketahanan finansial masyarakat yang berkelanjutan.
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