Optimizing the Utilization of Financial Literacy in Supporting Community Economic Development for Seafood Collectors and Micro-Businesses
DOI:
https://doi.org/10.47065/jpm.v7i1.2983Keywords:
Financial Literacy; Financial Management; Simple Bookkeeping; Community Empowerment; Local Economic DevelopmentAbstract
This community service activity aims to enhance the financial management capabilities and financial literacy of residents in Bagan Deli Village, Medan Belawan District, as a strategic effort to strengthen the resilience of the local economy. The background of this program is rooted in the persistent challenges faced by the community, particularly the limited understanding of structured financial record-keeping, weak separation between personal and business finances, and low levels of financial literacy across multiple demographic groups. These conditions potentially hinder the growth of micro and small enterprises that form the backbone of the village economy. The primary targets of this activity include seafood collectors and micro-business actors who play a crucial role in local economic circulation but often lack access to practical financial education. The implementation of the program adopts a participatory and hands-on approach consisting of preliminary field observations, financial education sessions, and intensive mentoring. The educational component includes financial literacy socialization, practical training in simple bookkeeping systems, and guidance on utilizing digital platforms to support MSME promotion and market expansion. Throughout the mentoring phase, participants are encouraged to apply newly acquired knowledge directly to their daily financial practices, ensuring experiential learning and long-term retention. The results of the activity demonstrate a measurable improvement in participants’ awareness of systematic financial management, the importance of transparent record-keeping, and the productive use of digital technology in business operations. Overall, this community service initiative is expected to generate a sustainable impact by fostering disciplined financial behavior, strengthening entrepreneurial capacity, and contributing to the long-term economic welfare of the Bagan Deli community.
Downloads
References
Abdjul, T., Nurhayati, N., & Mustaqimah, N. (2023). Pemberdayaan Masyarakat Pesisir Melalui Program Wirausaha Nugget Ikan Cakalang Di Desa Tombulilato Kecamatan Bone Raya. Jurnal Pengabdian Dan Peningkatan Mutu Masyaraka, 4(2), 102–109. https://doi.org/10.22219/janayu.v2i2.16075
Ananda, G. C., Syaula, M., & Ramadhan, Z. (2025). Pelatihan Pengelolaan Keuangan Desa Melalui Aplikasi Sistem Keuangan di Desa Kota Pari. Jurnal Abdimas HAWARI, 5(1), 28–37. Retrieved from https://publikasi.hawari.id/index.php/JABDIMASHAWARI/article/view/262
Anik, S., & Indriastuti, M. (2025). Pentingnya Pelatihan Penyusunan Laporan Keuangan Berbasis Digital bagi UMKM Istri Nelayan Desa Rowosari Kecamatan Rowosari Kabupaten Kendal. Indonesian Journal of Empowerment, Service, and Training, 1(1), 16–32.
Ardiansyah, M., Hakim, L., Handayani, A., & Irsandi. (2024). Peningkatan Produksi Ikan Asin Di Desa Maja. Jurnal Pengabdian UMKM Universitas Bandar Lampung, 3(2), 114–120.
Azizah, W., Wardani, K. D. K. A., & Putri, D. A. P. A. G. (2022). Peningkatan Ketahanan Ekonomi Keluarga Melalui Pemberdayaan Ibu Rumah Tangga dalam Pemasaran dan Olahan Kerupuk Kulit Ikan di Kampung Bugis. Jurnal ABDINUS?: Jurnal Pengabdian Nusantara, 6(3), 806–816. https://doi.org/10.29407/ja.v6i3.17606
Clan, E., Yanti, D. I. W., & Sapari, L. S. J. (2026). Literasi Digital Marketing dan Inovasi Produk Bagi Nelayan Teripang Pulau Soop. Jurnal Pengabdian Masyarakat Dan Riset Pendidikan, 4(3), 15272–15278.
Firdausia, Y. K., Suhardiyah, M., Suharyanto, Su., Asj’ari, F., & Kurniawan, W. O. (2022). Pelatihan Akuntansi Untuk Penyelenggaraan Pembukuan Sederhana Bagi Kelompok Kerja Desa Morowudi -Cerme - Gresik. EKOBIS ABDIMAS, 3(1), 89–94.
Hadita, A., Hamdah, D. F. L., Muharam, H., & Kurniawan, D. A. (2024). Pendampingan dan Penyuluhan Harga Pokok Produksi dan Strategi Pemasaran UKM Agar-Agar Rumput Laut Desa Mancagahar Kecamatan Pameungpeuk Garut. Journal of Human And Education, 4(4), 110–122.
Hawa, S. D., Rahayu, S. N., & Saputri, F. A. (2023). Program Pelatihan Akuntansi bagi UMKM Peternakan Ayam Petelur Kecamatan Paguyangan Brebes. JAMU?: Jurnal Abdi Masyarakat UMUS, 4(1), 67–73. https://doi.org/10.46772/jamu.v4i01.1194
Hutabarat, M. I., Harahap, N. D., & Siregar, A. (2022). Pengenalan Pembukuan Akuntansi Sederhana pada Guru Madrasah Tsanawiyah Azzidin Medan. Bima Abdi: Jurnal Pengabdian Masyarakat, 2(2), 78–83. https://doi.org/10.53299/bajpm.v2i2.199
Indriastuti, M., & Permatasari, D. (2022). Peningkatan Kemampuan Akuntansi UMKM Berbasis Digital. Jurnal Pengabdian Dan Pemberdayaan Masyarakat, 6(1), 33–43. https://doi.org/10.30595/jppm.v6i1.9352
Kedaton, S. M. P., Nurwati, E., Sholikhati, N. G., & Muhamadin, R. C. (2023). Sosialisasi Penentuan Harga Jual Produk Melalui Perhitungan Harga Pokok Produksi Pada Warga Desa Sidokelar. Pengabdian Kepada Masyarakat Dan Kuliah Kerja Nyata, 508–516.
Kisman, Z. (2023). Pelatihan Dasar Akuntansi dan Keuangan. Pengabdian Masyarakat Universitas Trilogi Bekerjasama Dengan PT Suri Nusantara Jaya Untuk Meningkatkan Kompetensi Karyawan. Jurnal Kegiatan Pengabdian Mahasiswa, 1(2), 77–82.
Laswitarni, N. K., Ginting, M. F. B., Setiyarti, T., Swaputra, I. B., & Wijayanthi, I. A. T. (2025). Ketahanan Ekonomi Berbasis Perempuan: Inovasi Pengolahan Ikan Tongkol di Nusa Penida. Jurnal Abdi Masyarakat Saburai, 6(2), 200–217. Retrieved from http://jurnal.saburai.id/index.php/JAMS/article/view/4445%0Ahttp://jurnal.saburai.id/index.php/JAMS/article/download/4445/2578
Priyanto, A., Andajani, W., Sidhi, E. Y., & Pamujiati, A. D. (2025). Analisis Pendapatan Usaha Abon Tuna Dengan Perbedaan Metode Penjualan Pada UMKM “ Inti Rasa Bu Peni ” Kabupaten Cilacap. Jurnal Ilmiah Pertanian Nasional, 5(1), 20–28.
Putri, A. A., & Thoriq, A. M. (2022). Pelatihan Pencatatan Keuangan Pada UMKM Menggunakan Aplikasi Akuntansi UKM. Ekonomi: Jurnal Pengabdian Masyarakat, 3(1), 39–43. https://doi.org/10.32764/abdimas_ekon.v3i1.2528
Rajagukguk, R. H., Riadi, R., Sitanggang, T. N., P, J. L. B., Sinaga, A. N., Sitorus, P. R., & Andari, A. (2024). Pengenalan Akuntansi Bagi Usaha Mikro Kecil CV Laut. Jurnal Pengabdian Masyarakat Inovasi, 3(1), 1–8. https://doi.org/10.35126/jpmi.v3i1.709
Rukhayati, R., Habibu, R., & Pariyati, P. (2025). Pkm kelompok nelayan “wia” melalui pemanfaatan hasil laut di desa malakosa. Abditani?: Jurnal Pengabdian Masyarakat, 8(1), 91–97.
Wijaya, R. S., Rahmaita, R., Murniati, M., Nini, N., & Mariyanti, E. (2023). Digitalisasi Akuntansi Bagi Pelaku UMKM Di Lubuk Minturun. Jurnal Pengabdian Masyarakat Dharma Andalas, 02(01), 40–44.
Zakhra, A., Anwari, A., Wahyurini, E. T., & Rahmawati, A. (2025). Penguatan Literasi Keuangan Dengan Melakukan Pelatihan Manajemen Keuangan Bagi Ibu_Ibu Poklahsar Branta Pesisir Dalam Mendukung Kemandirian Ekonomi Keluarga. Seminar Nasional Hasil Pengabdian Kepada Masyarakat, 14–19.
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel Optimizing the Utilization of Financial Literacy in Supporting Community Economic Development for Seafood Collectors and Micro-Businesses
ARTICLE HISTORY
Issue
Section
Copyright (c) 2026 Widia Astuty, Sri Rahayu, Azwansyah Habibie, Nabila Aliyya, Muhammad Husein Pasaribu
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
