PENGEMBANGAN PROGRAM EDUKASI KEUANGAN UNTUK MENCEGAH PENIPUAN INVESTASI
DOI:
https://doi.org/10.56371/sepakat.v5i1.431Keywords:
Literasi keuangan, penipuan investasi, edukasi masyarakat, theory of planned behavior, nudgingAbstract
Kasus penipuan investasi yang semakin marak di Indonesia menjadi ancaman serius terhadap keamanan finansial masyarakat, khususnya bagi mereka yang memiliki literasi keuangan rendah. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi keuangan guna mencegah masyarakat menjadi korban investasi ilegal. Program dilaksanakan oleh tim dosen dan mahasiswa Universitas Pamulang di Yayasan Tajul Karomah, Desa Situ Gandung, Kabupaten Tangerang, dengan pendekatan berbasis Theory of Planned Behavior dan teknik nudging. Metode kegiatan meliputi survei awal, penyusunan modul edukatif, pelatihan, simulasi kasus, dan evaluasi pre-test dan post-test. Hasil menunjukkan peningkatan signifikan pada pemahaman peserta terhadap pengelolaan keuangan, ciri-ciri investasi legal dan ilegal, serta strategi rasional dalam pengambilan keputusan keuangan. Rata-rata peningkatan skor literasi keuangan peserta mencapai lebih dari 50%. Kegiatan ini membuktikan bahwa edukasi keuangan yang terstruktur, relevan, dan kontekstual efektif dalam meningkatkan kewaspadaan masyarakat terhadap penipuan investasi. Disarankan agar program serupa direplikasi secara luas dengan dukungan dari pemerintah, regulator, dan lembaga pendidikan guna memperkuat ketahanan finansial masyarakat.
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