Sylviana Maya Damayanti
The role of women is identical in non-economic activities, namely as a child caregiver and takes care of the household, but the reality is not the case. Along with the increasingly complex development of the community, the role of women shifted. Women also play a role in economic and public activities. Gender inequality is still seen from the percentage of women who can have low financial facilities access compared to men. In 2025, it was hoped that the quality of life of women would improve, followed by increasing gender equality in all the fields of development. Gender equality is considered one of the national development strategies to achieve more just and evenly distributed development for all Indonesians both men and women. This is also in accordance with the target of the National Medium-Term Development Plan (RPJMN) in 2020-2024 which is to realize independent Indonesian people, advanced, fair and prosperous through the acceleration of development in various fields by emphasizing the establishment of strong economic structures based on competitive advantage in various areas supported by quality human resources and competitiveness. Based on the results of the National Survey of Literacy and Financial Inclusion (Snlik) carried out by OJK in 2019, against 12,773 respondents in 34 provinces in Indonesia, it was recorded at 76.19% of the total respondents had used products and / or formal financial services in various financial industries . On the other hand, community understanding of the products and / or formal financial services services is 38.03%. This figure increased compared to the OJK survey results in 2016, the financial inclusion rate was recorded at 67.8% and a financial literacy rate of 29.7%. The results of the OJK survey in 2019 also showed that based on gender, the level of financial inclusion and female financial literacy rate was 75.15% and 36.13% respectively. This rate is lower compared to the level of financial inclusion and the male financial literacy rate of 77.24% and 39.94%. The low level of financial literacy has the potential to deliver the community; Especially those who belong to the economic group are vulnerable, into deeper poverty gaps due to the debt. Their economic difficulties encourage the achievement of the decision to owe, in the hope that the loan money can lead them to a more worthy of life. However, as stated by Guerin, the decision to owe often causes the effect of bias through more emphasis on short-term interests and vice versa, tends to be difficult to carry out long-term planning. As a result, a person must make a sacrifice that is too large in the posts of his life needs to be able to fulfill loan obligations; Which certainly does not need to happen if the community has known how to manage good and correct debt. This phenomenon places financial literacy; Especially regarding debt management, as capital for the community in living life. Financial literacy can be seen as a preventive measure to equip the vulnerable economic society to avoid heavier difficulties in life as a result of debt entanglement. Besides that, literacy on debt management can also provide shields for economic communities vulnerable to not just inedible by jargon-jargon "fast money" or "easy money"; Especially considering this group of people is a market that has not been widely touched by financial services services. In this case, financial literacy is required to compete with efforts to achieve financial inclusion, so that it can create a continuous positive impact but still dignified.
Publicity
For KK: Activities provide experience for members of the expertise group to be able to plunge directly into the community to share their knowledge. For F / S: Activities are carried out by two faculties / schools namely: Business Schools and Management and Faculty of Industrial Technology. Collaboration of these two F / S provides benefits to community service activities because the science submitted to the public will be wider and colored. For ITB: ITB has proven to the public that to be able to contribute in the financial education program. For National: This activity is carried out to succeed the government agenda in terms of increasing financial literacy in Indonesia, considering that the Indonesian financial literacy index is currently still low compared to other countries.