CERDAS KELOLA UANG, CERMAT HADAPI PENIPUAN DIGITAL: UPAYA PENINGKATAN LITERASI KEUANGAN DAN LITERASI DIGITAL MASYARAKAT KELURAHAN PASAR KLIWON KOTA SURAKARTA
DOI:
https://doi.org/10.67766/scsej.v4i2.238Keywords:
Literasi Keuangan, Literasi digital, Penipuan online, Pengabdian kepada masyarakat, Participatory Learning and ActionAbstract
Perkembangan teknologi digital telah meningkatkan kemudahan masyarakat dalam melakukan transaksi keuangan, namun di sisi lain juga memicu meningkatnya kasus penipuan berbasis digital. Rendahnya tingkat literasi keuangan dan literasi digital menjadi faktor yang menyebabkan masyarakat rentan terhadap berbagai modus penipuan, seperti phishing, investasi ilegal, penyalahgunaan data pribadi, dan rekayasa sosial (social engineering). Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman masyarakat mengenai pengelolaan keuangan yang bijaksana serta meningkatkan kemampuan dalam mengenali dan mencegah penipuan digital. Kegiatan dilaksanakan pada bulan Februari 2026 di Kelurahan Pasar Kliwon, Kota Surakarta, dengan melibatkan 50 peserta yang terdiri atas ibu rumah tangga, pelaku usaha mikro, kecil, dan menengah (UMKM), kader PKK, Karang Taruna, tokoh masyarakat, dan perangkat kelurahan. Metode yang digunakan adalah Participatory Learning and Action (PLA) melalui tahapan identifikasi kebutuhan, penyuluhan, diskusi partisipatif, simulasi kasus penipuan digital, praktik penyusunan anggaran keuangan rumah tangga, serta evaluasi menggunakan pre-test dan post-test. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai prinsip pengelolaan keuangan, pentingnya perencanaan keuangan keluarga, karakteristik investasi yang legal, serta kemampuan mengenali berbagai modus penipuan digital. Peserta juga menunjukkan peningkatan kesadaran dalam menjaga keamanan data pribadi, memverifikasi informasi sebelum melakukan transaksi, dan menerapkan perilaku keuangan yang lebih bertanggung jawab. Kegiatan ini membuktikan bahwa integrasi edukasi literasi keuangan dan literasi digital melalui pendekatan partisipatif mampu meningkatkan kapasitas masyarakat dalam membangun ketahanan finansial sekaligus memperkuat kewaspadaan terhadap ancaman penipuan di era digital.
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