Literasi Keuangan dan Pengelolaan Utang: Strategi Pemberdayaan Ekonomi Keluarga

Abstract

This activity aims to provide financial literacy, specifically on the issue of debt, which some people view as a solution to family financial problems. Debt can be a viable option if used for its intended purpose. The method used is a combination of material presentation and interactive Q&A sessions involving village heads, religious leaders, community leaders, housewives, and youth. From a financial management perspective, there are two key factors that justify someone taking on debt: leverage and the existence of fixed income. To manage debt and minimize financial risk, the monthly installment amount for debt repayment should ideally be no more than one-third (1/3) of the total monthly income received.