Model dan Strategi Perencanaan Keuangan Keluarga pada Masa Pandemi Covid-19 di Kota Surakarta
DOI:
https://doi.org/10.31092/kuat.v2i2.1163Keywords:
Aplikasi Investasi Online, Inklusi Keuangan, Layanan Keuangan Digital, Literasi KeuanganAbstract
Masalah utama yang dihadapi masyarakat Surakarta adalah ketergantungan terhadap pendapatan tetap. Ketergantungan mereka pada pendapatan tetap menyebabkan sebagian masyarakat Surakarta rentan terhadap guncangan ekonomi. Salah satu alternatif untuk mengatasi ketergantungan pada pendapatan tetap adalah perencanaan keuangan yang baik. Melalui perencanaan keuangan yang baik, orang dapat mencapai kebebasan finansial (financial freedom). Perencanaan keuangan yang baik sangat dibutuhkan oleh masyarakat untuk memastikan ketahanan ekonomi dari guncangan ekonomi melalui kebebasan finansial. Kebebasan finansial berguna untuk menjaga stabilitas keuangan dari guncangan yang berada di dalam atau di luar kendali masyarakat. Untuk menambah pengetahuan masyarakat tentang perencanaan keuangan dilakukan dengan metode pelatihan. Metode ini akan dilaksanakan: (1) tahap persiapan pengembangÂan konseptual dan teknik operasional perencanaan keuangan bagi masyarakat untuk mencapai kebebasan finansial, (2) tahap pelatihan perencanaan keuangan menuju kebebasan finansial, dan (3) tahap evaluasi. Hasil yang ditargetkan dari kegiatan IbM adalah peningkatan kesadaran dan pengetahuan publik tentang perencanaan keuangan. Pengetahuan tentang perencanaan keuangan diharapkan dapat menjadi bekal dan landasan pengetahuan dan keterampilan yang kuat bagi masyarakat Kota Surakarta dalam mencapai kebebasan finansial agar memiliki ketahanan terhadap guncangan ekonomi.
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