Penyuluhan Pengelolaan Keuangan Keluarga Berbasis Syariah untuk Meningkatkan Kesejahteraan Masyarakat Lampung Tengah

Abstract

Low family financial literacy among Indonesians remains a significant barrier to household economic welfare. This community service program aimed to develop a sharia-based family financial management counseling model to improve community welfare in Central Lampung Regency using a participatory approach through workshops, focus group discussions, financial consultations, and six months of continuous assistance involving 200 heads of households, 80 PKK cadres, and 50 community leaders. Results showed a 76% increase in sharia financial literacy, a 58% reduction in consumptive behavior, and a 65% increase in family savings. Post-program evaluation indicated that 82% of participants were able to create family budgets based on sharia principles and 70% actively utilized sharia financial products. Overall, the program successfully established a sustainable family financial management ecosystem contributing to long-term improvements in community economic welfare.