Pendampingan Literasi Keuangan dan Mitigasi Risiko KSP Bunga Kasih di Kelurahan Pringsewu Utara Kabupaten Pringsewu

Sri Hasnawati; Mahatma Kufepaksi; Muslimin Muslimin; Mudji Rachmat Ramelan

doi:10.30640/cakrawala.v5i4.8208

Authors

Sri Hasnawati Universitas Lampung
Mahatma Kufepaksi Universitas Lampung
Muslimin Muslimin Universitas Lampung
Mudji Rachmat Ramelan Universitas Lampung

DOI:

https://doi.org/10.30640/cakrawala.v5i4.8208

Keywords:

Financial Literacy, Risk Mitigation, Savings Loan Cooperatives, Peri-Urban Communities, Participatory Action Research

Abstract

This community service activity aims to strengthen financial literacy and risk mitigation of KSP Bunga Kasih in Pringsewu Utara Urban Village, Pringsewu Regency, a peri-urban area facing high population density, a 46.22% dependency ratio, low social security participation, and limited access to productive microfinance. The activity employed Community-Based Participatory Action Research (CBPAR), Triple Helix collaboration (cooperative–local government–academia), and the Participatory Peri-urban Microfinance Empowerment (PPME) model. It was implemented in four stages: community preparation and identification; participatory education through peer learning circles, rules of thumb, and personal financial action plans; monitoring and evaluation using pre-test and post-test; and institutional strengthening through SOPs, a financial education and savings committee, and integration into cooperative governance. Twenty-five active members and cooperative administrators participated. The results showed that the average understanding score increased from 75.5 to 98.5, a 30.5% improvement, with all participants exceeding the minimum competency threshold of 70. Participants also shifted from consumptive to productive financial behavior, prepared concrete savings and debt management plans, and strengthened collective awareness of credit risk. The activity validates community-based and decentralized financial education, supports cooperative governance and risk mitigation, and implies the need for institutionalized literacy programs, digital service development, longitudinal impact evaluation, and replication of the PPME model in other savings and credit cooperatives.

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