Digitalisasi Pemasaran untuk Mewujudkan UMKM Unggul di Era Industri 4.0 pada Komunitas PMKM Prima Indonesia

Abstract

The low level of Islamic financial literacy among teachers may increase vulnerability to illegal online lending practices. This community service program aimed to strengthen teachers’ understanding of Islamic financial principles as an effort to build financial resilience. The program involved 9 teachers of Muhammadiyah 3 Elementary School through participatory education, case-based discussions, and pre-test and post-test evaluations. The evaluation instruments covered concepts of akad (contracts), riba (usury), online lending risks, and income improvement strategies. The pre-test results revealed that only 3 participants had a good understanding of the basic concepts of akad and riba. Following the intervention, all participants demonstrated improved post-test results, achieving a 98% success rate measured through the accuracy of responses across all assessment indicators. The uniqueness of this program lies in the integration of Islamic financial literacy, financial resilience, and the prevention of online lending risks. These findings indicate that contextual and needs-based educational approaches are effective in strengthening teachers’ financial understanding and awareness