EN.Malanginspirasi.com – A lecturer at the Faculty of Economics and Business (FEB) at Brawijaya University (UB), Dr. Himmiyatul Amanah Jiwa Juwita, held personal financial management training for prospective Indonesian Migrant Workers (PMI) registered with PT Bina Dinamita Rama in Malang City.
This program aimed to strengthen participants’ financial literacy and skills before working abroad.
During the training, Dr. Himmiyatul highlighted that many prospective workers enter the workforce abroad without an adequate understanding of financial management.
“This condition may trigger unplanned expenses, consumer debt, and difficulty saving for long-term needs and emergency funds,” said Himmiyatul.
The programs within the training included counseling, interactive discussions, and personal financial planning simulations that suited the participants’ circumstances.
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“The topics included budget planning, savings management, debt control, and strategies for utilizing remittances to be more productive and future-oriented,” she said.
The team conducted a descriptive evaluation of 25 participants using a simple questionnaire before (pre-test) and after (post-test) the training to assess the effectiveness of the program.
The Increase of Average Comprehension
The results showed an increase in the average comprehension score from 55 to 82, or an increase of 27 points (approximately 49 percent).
“This increase indicates that the interactive training approach, which involved lectures, discussions, budget simulations, and individual consultations, was deemed effective in addressing the issue of low financial literacy and management skills among prospective migrant workers,” he said.
Through this program, the Faculty of Economics and Business (FEB) UB hopes that prospective migrant workers have better financial preparation before departure.
This is to ensure that they can maintain the sustainability of their families’ economic well-being at home during their work abroad.
FEB plans to develop similar activities through ongoing mentoring and collaboration with migrant worker placement companies, financial institutions, and other relevant parties.
