Training and assistance in household cash management for PKK women’s group members

Abstract

This community service program aims to address the limited knowledge of household cash management among the members of the PKK women’s group in RT 03 RW 04, East Landasan Ulin District. The lack of understanding of managing household finances is a potential cause of financial distress in families. The program provides practical training on how to manage household cash, offering simple, easy-to-understand methods that participants can implement in their daily lives. The training includes sessions on how to record income and expenses, categorize needs versus wants, create monthly budgets, and develop simple financial plans using tools such as household cash books or digital applications. Interactive methods, such as group discussions, simulations, and real-life case studies, are used to engage participants and ensure the material is applicable to their situations. Following the training, an evaluation assesses participants' understanding and the application of these techniques. Ongoing mentoring ensures participants are confident in managing their finances to prevent financial distress. The results show that the training improved participants' understanding of household cash management, increased their ability to manage income and expenses effectively, and helped reduce dependency on lending institutions. This, in turn, contributed to improved household welfare by enabling better financial planning, increased savings, and reduced borrowing, which can enhance long-term financial stability.