Pemberdayaan Ibu Rumah Tangga Melalui Edukasi Investasi Syariah Berbasis Sektor Riil di Kecamatan Kedungwaru Kabupaten Tulungagung

Authors

  • Dianita Meirini UIN Sayyid Ali Rahmatullah Tulungagung, Indonesia
  • Novi Khoiriawati UIN Sayyid Ali Rahmatullah Tulungagung, Indonesia
  • Amanda Fitriasari UIN Sayyid Ali Rahmatullah Tulungagung, Indonesia

DOI:

https://doi.org/10.33394/jpu.v7i1.18667

Keywords:

Education, Sharia Investment, Financial Management

Abstract

This community service program aims to enhance participants’ Islamic financial literacy, bookkeeping skills, and awareness of the importance of ideal budget allocation in accordance with the Financial Services Authority (OJK) standards, enabling housewives to manage family income more balancedly and with a future-oriented perspective. The program was implemented using a participatory education approach, and its outcomes were evaluated through pre-test and post-test analyses. The results indicated an improvement in participants’ understanding of family financial planning based on Islamic principles, particularly in incorporating components such as investments, emergency savings, and zakat into household budgets. Furthermore, participants became capable of preparing more proportional budgets and understanding ideal expenditure allocations, including a recommended minimum investment of 5%–15% of income. Investment interest increased significantly, with 89% of participants expressing willingness to allocate a portion of their income for investment, primarily in gold, bank savings, land, and deposits. Overall, the program was deemed successful, as evidenced by full participant engagement and measurable improvements in financial literacy and investment interest.

References

Antonio, M. S. (2001). Bank Syariah: Dari Teori ke Praktik. Gema Insani.

Chambers, R. (1994). Participatory rural appraisal (PRA): Analysis of experience. World Development, 22(9), 1253–1268. https://doi.org/10.1016/0305-750X(94)90003-5

Febiyani, D., Alfin, A. N. A., Rizky, R. R., Adit, A. A., & Yudi, Y. S. R. (2024). Program Sosialisasi Investasi Dalam Emas Sebagai Salah Satu Alternatif Menabung Dan Peningkatan Kesejahteraan. Jurnal Pengabdian Kolaborasi Dan Inovasi IPTEKS, 2(3), 824–832. https://doi.org/https://doi.org/10.59407/jpki2.v2i3.816

Hernawati, E. (2016). Manajemen Keuangan Rumah Tangga. Jakarta: Rajawali Press. Rajawali Press.

Hidayat, S. (2020). Investasi syariah Untuk Pengelolaan Keuangan Pribadi.

IFSB. (2019). Islamic Financial Services Industry Stability Report. IFSB (Islamic Financial Services Board).

Karim, A. A. (2014). Ekonomi Mikro Islami. Rajawali Pers.

Keuangan, O. J. (2023). Daftar Efek Syariah (DES). Otoritas Jasa Keuangan.

Lestari, Y. (2018). Pengaruh Pencatatan Keuangan terhadap Kebiasaan Menabung Keluarga. Jurnal Manajemen Keluarga, 5(2), 34–45.

M.U. Caphra. (2000). The Future of Economics: An Islamic Perspective. Islamic Foundation.

Morelli, N. (2015). Challenges in designing and scaling up Community Services. The Design Journal, 18(2), 69–90. https://doi.org/https://doi.org/10.2752/175630615X14212498964394

Priyono, A. (2017). Perencanaan Keuangan Keluarga. Alfabeta.

Putri, M. (2020). Efektivitas Buku Kas Digital dalam Pencatatan Keuangan Rumah Tangga. Jurnal Akuntansi Dan Bisnis, 12(1), 11–19.

Sastro, H. (2019). Dasar-Dasar Pembukuan untuk Rumah Tangga. Liberty Press.

Siddiqi, M. N. (2006). Islamic Banking and Finance: Fundamentals and Contemporary Issues.

Widayati, N. (2012). Pendidikan Keuangan Keluarga. Kencana.

Widdowson, Doug, and K. H. (2007). Financial Literacy and Its Role in Promoting a Sound Financial System. Reserve Bank of New Zealand, 70(2).

Yushita, A. N. (2017). Pentingnya Investasi syariah Bagi Pengelolaan Keuangan Pribadi. Nominal, Barometer Riset Akuntansi Dan Manajemen, 6(1). https://doi.org/https://doi.org/10.21831/nominal.v6i1.14330

Downloads

Published

2026-02-12

How to Cite

Meirini, D., Khoiriawati, N., & Fitriasari, A. (2026). Pemberdayaan Ibu Rumah Tangga Melalui Edukasi Investasi Syariah Berbasis Sektor Riil di Kecamatan Kedungwaru Kabupaten Tulungagung. Jurnal Pengabdian UNDIKMA, 7(1), 397–409. https://doi.org/10.33394/jpu.v7i1.18667

Issue

Vol. 7 No. 1 (2026): February

Section

Articles

Citation Check

License

Copyright (c) 2026 The Author(s)

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal. 
  2. 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.
  3. 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 (See The Effect of Open Access).