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Optimizing PMI Income and Remittance Management Through Digital Financial Literacy

Jurnal Abdimas · Vol. 30 No. 2 (2026) · hlm. 75–84

DOI
10.15294/abdimas.v30i2.62079
ISSN
2503-1252, 1410-2765
Terbit
2026-09-30
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

This Community Service program aims to assist PMI in making daily expenditure decisions and financial management for long-term impact. The material presented focuses on how income should be divided according to priorities, how to have a good remittance plan, and how safe digital transactions are carried out. Participants in this service amounted to twenty PMIs. The program included material presentation, discussion, mentoring, and evaluation. Participants conducted a pretest and posttest as a form of measuring participants' understanding after this activity was held. From the results of the quantitative assessment, the average score of participants' understanding of financial literacy increased from the original participant's understanding of financial literacy by 53.7% to 90%. The average N-gain value was 0.79, 16 participants were in a high position and four participants were in the medium category. This shows that financial education is beneficial with the situation faced by PMI.

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  • State University of Semarang
  • State University of Malang
  • Indonesia Open University
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
R Benny RiyantoAfiliasi tidak diketahui3
Talitha WidiatningrumAfiliasi tidak diketahui3
Widiyanto WidiyantoAfiliasi tidak diketahui3
Shanty OktaviliaAfiliasi tidak diketahui3
Fauzul AdzimAfiliasi tidak diketahui3
Arief YuliantoState University of Semarang2
Etty Puji LestariAfiliasi tidak diketahui2
Eko HandoyoAfiliasi tidak diketahui2
Amin PujiatiAfiliasi tidak diketahui2
Kardoyo KardoyoAfiliasi tidak diketahui2
Moh Yasir AlimiAfiliasi tidak diketahui2
Subiyanto SubiyantoState University of Semarang1
Nur Azis SalimState University of Semarang1
Setya Budi Arif PrabowoState University of Semarang1
Deyndrawan SutrisnoState University of Semarang1
Andika AnantyoState University of Semarang1
Dewi AnggrianiState University of Semarang1
Etty SoesilowatiState University of Malang1
Etty Puji LestariIndonesia Open University1
Nana Kariada Tri MartutiState University of Semarang1
Edi KurniawanAfiliasi tidak diketahui1
Margareta RahayuningsihAfiliasi tidak diketahui1
S MartonoAfiliasi tidak diketahui1
Herlin PujiartiAfiliasi tidak diketahui1
Aldias BahatmakaAfiliasi tidak diketahui1
Markus DiantoroAfiliasi tidak diketahui1
Prihatini RetnaningsihAfiliasi tidak diketahui1
Edi KurniawanAfiliasi tidak diketahui1
Andryan SetyadharmaAfiliasi tidak diketahui1
Dini Mellinda KrisnawatiAfiliasi tidak diketahui1
Said Nur OctaviantoAfiliasi tidak diketahui1
Khafid IsmailAfiliasi tidak diketahui1
Retno GinanjarAfiliasi tidak diketahui1
Arum Kartika WulandariAfiliasi tidak diketahui1
Ulya HimawatiAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/abdimas/oai, pertama di-harvest 5 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">Optimizing PMI Income and Remittance Management Through Digital Financial Literacy</dc:title>
	<dc:creator xml:lang="en">Prajanti, Sucihatiningsih Dian Wisika</dc:creator>
	<dc:creator xml:lang="en">Kurniawan, Edi</dc:creator>
	<dc:creator xml:lang="en">Wibawa, Aji Prasetya</dc:creator>
	<dc:creator xml:lang="en">Kiranawati, Mutiara</dc:creator>
	<dc:creator xml:lang="en">Muyassaroh, Lukluk Ul</dc:creator>
	<dc:subject xml:lang="en">digital financial literacy</dc:subject>
	<dc:subject xml:lang="en">financial education</dc:subject>
	<dc:subject xml:lang="en">income management</dc:subject>
	<dc:subject xml:lang="en">indonesian migrant workers</dc:subject>
	<dc:subject xml:lang="en">remittances</dc:subject>
	<dc:description xml:lang="en">This Community Service program aims to assist PMI in making daily expenditure decisions and financial management for long-term impact. The material presented focuses on how income should be divided according to priorities, how to have a good remittance plan, and how safe digital transactions are carried out. Participants in this service amounted to twenty PMIs. The program included material presentation, discussion, mentoring, and evaluation. Participants conducted a pretest and posttest as a form of measuring participants' understanding after this activity was held. From the results of the quantitative assessment, the average score of participants' understanding of financial literacy increased from the original participant's understanding of financial literacy by 53.7% to 90%. The average N-gain value was 0.79, 16 participants were in a high position and four participants were in the medium category. This shows that financial education is beneficial with the situation faced by PMI. </dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2026-09-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/abdimas/article/view/62079</dc:identifier>
	<dc:identifier>10.15294/abdimas.v30i2.62079</dc:identifier>
	<dc:source xml:lang="en">Jurnal Abdimas; Vol. 30 No. 2 (2026): December 2026; 75-84</dc:source>
	<dc:source>2503-1252</dc:source>
	<dc:source>1410-2765</dc:source>
	<dc:source>10.15294/abdimas.v30i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/abdimas/article/view/62079/10950</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Jurnal Abdimas</dc:rights>
</oai_dc:dc>