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Optimizing PMI Income and Remittance Management Through Digital Financial Literacy

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

DOI
10.15294/abdimas.v30i2.62079
ISSN
2503-1252, 1410-2765
Published
2026-09-30
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

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.

Keywords

Collaboration network of the authors

40 authors · 98 co-authorship links · 6 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • State University of Semarang
  • Universitas Sumatera Utara
  • Universitas Methodist Indonesia
  • Universitas Media Nusantara Citra
  • Universitas Halu Oleo
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Talitha WidiatningrumAffiliation unknown5
R Benny RiyantoAffiliation unknown3
Widiyanto WidiyantoAffiliation unknown3
Apik Budi SantosoAffiliation unknown3
Shanty OktaviliaAffiliation unknown3
Etty SoesilowatiAffiliation unknown2
Etty Puji LestariAffiliation unknown2
Erni SuhariniAffiliation unknown2
Arief YuliantoUniversitas Media Nusantara Citra2
Aprillia FindayaniAffiliation unknown2
Andi Irwan BenardiAffiliation unknown2
Mohammad SyifauddinAffiliation unknown2
Fauzul AdzimAffiliation unknown2
Eko HandoyoAffiliation unknown2
Amin PujiatiAffiliation unknown2
Kardoyo KardoyoAffiliation unknown2
Moh Yasir AlimiAffiliation unknown2
Rimbun SiringoringoUniversitas Methodist Indonesia1
SutarmanAffiliation unknown1
Dedy ArisandiUniversitas Sumatera Utara1
Erna Budhiarti NababanUniversitas Sumatera Utara1
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
Saifu SaifuAffiliation unknown1
abdul samanUniversitas Halu Oleo1
Sri Nur QadriAffiliation unknown1
Iradhatullah RahimAffiliation unknown1
Bahruddin BahruddinAffiliation unknown1
Sukmawati SukmawatiAffiliation unknown1
Suherman SuhermanAffiliation unknown1
Nur HapsaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/abdimas/oai, first harvested 5 Nov 2026, last seen 5 Nov 2026.
Original metadata (oai_dc) 
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	<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>