Mencegah Judi Online dan Pinjol Ilegal melalui Literasi Keuangan Pemuda Banjar Bhuana Merta, Desa Tegal Harum, Kota Denpasar
DOI:
https://doi.org/10.36312/linov.v10i3.3445Keywords:
Literasi Keuangan, Judi Online, Pinjaman Ilegal, PemberdayaanAbstract
Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi keuangan di kalangan generasi muda, khususnya anggota Seka Teruna Teruni Banjar Bhuana Merta, Desa Tegal Harum, Kota Denpasar, sebagai upaya preventif terhadap meningkatnya praktik judi online dan pinjaman online ilegal. Metode pelaksanaan dilakukan dengan pendekatan partisipatif melalui tahapan persiapan, sosialisasi, pelatihan, serta evaluasi. Materi yang diberikan meliputi manajemen keuangan pribadi serta penyuluhan mengenai risiko praktik ekonomi digital ilegal. Hasil kegiatan menunjukkan adanya peningkatan signifikan terhadap pemahaman peserta mengenai pengelolaan keuangan yang sehat, yang ditunjukkan melalui peningkatan skor rata-rata 20–25% dari hasil pre-test dan post-test. Hasil evaluasi menunjukkan adanya peningkatan rata-rata skor literasi keuangan dari 60 (pre-test) menjadi 75 (post-test), dengan variasi peningkatan skor individu berkisar antara +3 hingga +36 poin. Sebanyak 85% peserta menunjukkan peningkatan skor di atas 15 poin, mencerminkan efektivitas metode edukatif yang digunakan. Dalam pelaksanaan kegiatan ini juga disertakan penyerahan bantuan seperti tong sampah dan seragam organisasi untuk mendukung keberlanjutan kegiatan. Selain memberikan dampak edukatif, kegiatan ini juga memperkuat peran organisasi pemuda sebagai agen perubahan dalam komunitasnya. Dengan demikian, program pengabdian ini tidak hanya meningkatkan literasi keuangan, tetapi juga menumbuhkan kesadaran kolektif generasi muda terhadap bahaya praktik ekonomi ilegal, sekaligus memperkuat kapasitas kelembagaan Seka Teruna Teruni sebagai pelopor keuangan berbasis komunitas.
Strengthening Youth Financial Literacy as a Preventive Measure against Online Gambling and Illegal Loans in Banjar Bhuana Merta, Tegal Harum Village, Denpasar
Abstract
This community service program aimed to enhance financial literacy among young people, specifically members of Seka Teruna Teruni Banjar Bhuana Merta in Tegal Harum Village, Denpasar City, as a preventive measure against the rising prevalence of online gambling and illegal digital lending practices. The program was implemented using a participatory approach, encompassing stages of preparation, socialization, training, and evaluation. The educational content focused on personal financial management and awareness of risks associated with illegal digital economic practices. Quantitative evaluation revealed a significant improvement in participants’ financial literacy, as evidenced by an average score increase from 60 (pre-test) to 75 (post-test). Individual score improvements ranged from +3 to +36 points, with 85% of participants showing gains exceeding 15 points—indicating the effectiveness of the educational interventions. Additionally, the program included the distribution of supporting items such as waste bins and organizational uniforms to ensure sustainability. Beyond educational outcomes, the program also reinforced the role of local youth organizations as agents of change within their communities. Thus, this initiative not only improved financial literacy but also fostered collective awareness among youth regarding the dangers of illegal economic activities while strengthening the institutional capacity of Seka Teruna Teruni as a community-based financial education leader.
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