Open Journal Systems

The Impact of Community - Based (Arisan) Training Toward Financial Literacy and Financial Inclusion Level Among Middle-Up Women in Bandung

Yunita Buana Putri, Yunieta Anny Nainggolan


Abstract. The increase in Indonesia’s GPD per capita leads to numerous options of investment being offered to Indonesian society. Unfortunately, women in Indonesia have not efficiently utilized the investment options and women have lower financial literacy levels. Whereas, financial inclusion and financial literacy to women give various advantages toward women. Increases in women’s financial inclusion are critical as women have important role in the economy and society. The increase the financial inclusion is supported by financial literacy. Women in the urban area have advantages of the financial inclusion facilities and middle-up class are considered to have more resources to save and invest. Unfortunately, 17 out of 21 middle-up women in Bandung are struggling in saving and investing. This research aims to analyze how the level of financial literacy of middle-up women in Bandung affects financial inclusion intention in saving and investing. Therefore, experimental analysis is conducted by distributing questionnaires to respondents before-after the community-based training through arisan. This study revealed that community-based training does increase the financial literacy and inclusion intention level toward middle-up income women who lived in urban areas. The result implies community-based training can be applied to the OJK program to increase women’s financial literacy and inclusion level.

Keywords: financial literacy; financial inclusion intention; community-based training; women; saving; investment

Full Text:



  • There are currently no refbacks.