Year: 2023 | Faculty: FEB
Activity date status: Exact activity date not available in the accessible spreadsheet/public sources
Verification note: Only year 2023 is available in the spreadsheet.
Source metadata: PKM: Impact of Women’s Empowerment on Family Financial Independence: Savings, Loans Cooperatives, and Sharia Financing for Debt Reduction in MPOK IIS of Zakat Sukses | Tim: Rizky Wisnoentoro, Melani Sukma Yuridis, Wafdah Layli Rizqiyah
Family financial resilience is closely linked to the everyday economic decisions made by women. In many households, women manage spending, savings, debts, children’s needs, and small-scale business activity, often with limited access to structured financial education. UIII’s community engagement project on women’s empowerment and family financial independence addressed this reality by focusing on practical knowledge that can improve household stability.
The project involved themes of savings, loans cooperatives, Islamic financing, and debt reduction in the MPOK IIS community of Zakat Sukses. Its relevance lies in the fact that household debt is not only a financial issue. It can affect psychological well-being, family relations, children’s education, and long-term social mobility. When women understand safer and more ethical financing options, they are better positioned to make decisions that protect family dignity.
The activity translated Islamic economic principles into community-level practice. Participants were encouraged to think about needs and wants, productive and consumptive borrowing, household budgeting, and the possibilities of sharia-based financial support. Such learning is most effective when it speaks the language of daily life rather than abstract financial theory.
For UIII, the program demonstrates how Islamic finance can serve empowerment rather than remain confined to formal banking debates. Zakat, cooperatives, and social solidarity become meaningful when they help families reduce vulnerability and plan with confidence.
A feature version of this story should foreground women as decision makers and agents of change. It should include participant stories, examples of budgeting challenges, and any concrete outcomes reported by the team. The strongest editorial angle is that financial literacy is not only about numbers; it is about confidence, dignity, and the ability of families to make more secure choices for the future.
