OPTIMALISASI AKSES PEMBIAYAAN BANK WAKAF MIKRO MELALUI PENGUATAN LITERASI KEUANGAN BAGI MASYARAKAT LOKAL DI DESA PASARKEONG
Abstract
The micro-business sector in Pasarkeong Village faces accessibility constraints to formal financial institutions due to low financial literacy. Bank Wakaf Mikro (BWM) serves as a collateral-free financing solution, yet capital absorption remains suboptimal due to the community's limited understanding of risk management and Sharia contracts. This Community Service (PKM) activity aims to optimize financing access by strengthening financial literacy for BWM customers in Pasarkeong Village. The implementation method utilized the Participatory Rural Appraisal (PRA) approach integrated into the Weekly Halakah (HALMI) forum. The team of lecturers and students provided education on simple cash flow management, separation of personal and business finances, and understanding of Sharia contracts through intensive mentoring. The results showed a significant increase in customers' cognitive understanding, with an average literacy score increase of 40% to 45%. Qualitatively, customers began to demonstrate behavioral changes in financial recording discipline and confidence in accessing financing. This collaboration between academics and microfinance institutions has proven effective in promoting sustainable Sharia financial inclusion at the grassroots level.References
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