LITERASI PENGELOLAAN KEUANGAN KELUARGA  SECARA BIJAK DAN ISLAMI

sriyaumi sriyaumi; Abdul Majid; Mesra Berlyn Hakim; Suryani Yuli Astuti; Rita Nataliawati

doi:10.36728/tm.v5i2.5906

sriyaumi sriyaumi Institut Teknologi dan Bisnis Ahmad Dahlan Lamongan
Abdul Majid Universitas Muhammadiyah Lamongan
Mesra Berlyn Hakim Institut Teknologi dan Bisnis Ahmad Dahlan Lamongan
Suryani Yuli Astuti Universitas Muhammadiyah Lamongan
Rita Nataliawati Institut Teknologi dan Bisnis Ahmad Dahlan Lamongan

DOI: https://doi.org/10.36728/tm.v5i2.5906

Abstract

This community service activity aims to improve family financial literacy wisely and Islamically for Aisyiyah Branch Graha Indah Lamongan. The low level of sharia financial literacy in Indonesia, which is only 43.42% according to the OJK's 2025 SNLIK, indicates a significant gap compared to conventional financial literacy. In addition, the phenomenon of a consumptive lifestyle, lack of family financial planning, and limited access to sharia financial education in the regions are factors that widen the gap in knowledge and practice of family financial management. This activity was carried out using interactive lectures, group discussions, and case simulations, with an Asset-Based Community Development (ABCD) approach to encourage active participant involvement. The results of the activity showed an increase in participants' understanding of planning, financial recording, distinguishing between needs and wants, preparing emergency funds, and the importance of zakat, infaq, and shadaqah. Participants also began to apply the principles of simple living and avoid unproductive debt in accordance with Islamic teachings. This activity has proven effective in strengthening the financial literacy and resilience of Muslim families, as well as supporting the economic empowerment program implemented by Aisyiyah Lamongan. Thus, this service can become a model of sustainable Islamic financial education for the wider community.