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Siti Waaqiah Khofidhotur Rofiah; Anas Tasya Dwi Qobayesi; Widya Duta Aulia; M. Ilmil Zawawi

Jurnal Manajemen dan Pendidikan Agama Islam 2026 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

This research is motivated by the low interest of students in learning the Qur'an and Hadith due to the dominance of conventional teaching methods that are considered less engaging. The study aims to examine the role of interactive learning media in increasing students’ learning motivation at Madrasah Ibtidaiyah. The research employs a qualitative literature study approach by collecting credible sources, including journal articles, textbooks, and previous research findings. Content analysis techniques were used to identify patterns, relationships, and important insights from the collected data. The findings indicate that interactive media such as educational videos, interactive animations, dynamic PowerPoint presentations, and digital quizzes significantly enhance students’ interest and motivation in learning. This improvement is reflected in higher levels of attention, curiosity, participation, and engagement during the learning process. In addition, the use of interactive media helps present Qur'an and Hadith concepts in a more concrete, attractive, and enjoyable way, thereby improving students’ understanding of the material. The study implies that integrating technology-based learning media can become an innovative strategy to optimize the teaching and learning process in Islamic elementary education institutions.

Utami Puji Lestari; Yayu Sriwahyuni Hamzah; Febriarsita Eka Sasmita

Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia (JPPMI) 2026 Sekolah Tinggi Ilmu Administrasi Yappi Makassar

: Family well being is strongly influenced by the ability to manage finances wisely and systematically. However, low levels of financial literacy among communities often lead to issues such as imbalance between income and expenditure and lack of proper financial planning. This community service program aimed to improve the understanding and skills of PKK women in Ngaresrejo Village, Sidoarjo, in managing household finances. The method used was a participatory approach consisting of socialization, educational sessions, group discussions, and hands-on assistance in simple financial record-keeping. A total of 25 participants were actively involved in all stages of the program. Evaluation was conducted using pre-test and post-test assessments, as well as participant feedback on the implementation process. The results showed an increase in participants’ understanding from 39% in the pre-test to 61% in the post-test. In addition, 63% of participants expressed satisfaction with the program, indicating that the activity was relevant and beneficial. Qualitatively, the program also encouraged positive behavioral changes in financial management, such as recording income and expenses, prioritizing needs, and improving saving habits. Furthermore, the emergence of active participants as local leaders indicates the potential sustainability of the program within the community. In conclusion, this community service program effectively enhances family financial literacy and contributes to improving community well-being in a sustainable manner.

Sunarti Usman; Nila Widya Keswara

Journal of Health Sciences, Public Health and Pharmacy 2026 International Forum of Researchers and Lecturers

Anemia during pregnancy remains a major public health concern with significant implications for maternal and fetal health. One contributing factor to its high prevalence is the limited knowledge among pregnant women regarding early detection. Health education serves as a crucial promotive-preventive strategy to enhance awareness of anemia’s signs, symptoms, and risks. This study aimed to analyze the effectiveness of health education in improving knowledge of early detection of anemia among pregnant women in the Galala Community Health Center working area. A pre-experimental one-group pretest–posttest design with a quantitative approach was employed. The sample consisted of 30 pregnant women selected using total sampling. Respondents received structured health education on early detection of anemia, and their knowledge levels were assessed before and after the intervention using a questionnaire. Data were analyzed using univariate and bivariate methods, with the Wilcoxon signed-rank test applied due to non-normal distribution. Results indicated a significant improvement in knowledge after education (p = 0.000), with most respondents shifting from poor or moderate knowledge to good knowledge. The study concludes that health education effectively increases pregnant women’s knowledge of anemia detection and should be systematically integrated into antenatal care to prevent anemia and improve maternal health outcomes.

Jauharoh Hanif Taqiyyah; Devita Natashya; Anisa Salwa Razika; Happy Tamara; Randi Wibowo +8 more

Kolaborasi : Jurnal Hasil Kegiatan Kolaborasi Pengabdian Masyarakat 2026 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

Gerakan Tutup Mulut (GTM), or “Refusal to Eat,” is a common nutritional problem among toddlers and contributes to reduced nutrient intake and an increased risk of malnutrition. Preliminary observations at Posyandu Aster 11 Way Kandis, Bandar Lampung, indicated that mothers had low levels of knowledge regarding the causes of GTM and limited exposure to responsive feeding education. This community service activity aimed to improve mothers’ understanding of the factors contributing to GTM and to introduce pisang barongko as an innovative, nutritious snack option to help prevent GTM. The methods utilized included educational sessions through leaflets, presentations, video demonstrations, and pretest–posttest evaluation using the Wilcoxon test. The activity involved 25 participants and resulted in an improvement in knowledge scores from an average of 66 to 94.8, demonstrating a significant increase of 28.80 (p < 0.05). High participant enthusiasm, effective material delivery, and the availability of educational outputs such as videos and leaflets supported the success of the program. These findings highlight the importance of nutrition education based on local food resources as a practical and sustainable strategy to prevent GTM in children.

Hadjriatun Sundari; Anik Sri Purwanti

Journal of Health Sciences, Public Health and Pharmacy 2026 International Forum of Researchers and Lecturers

Background: Anemia in pregnancy is a significant public health problem that can increase the risk of maternal and fetal complications. One of the main strategies to prevent anemia is the administration of Multiple Micronutrient Supplements (MMS), which provide essential vitamins and minerals during pregnancy. However, the effectiveness of MMS in preventing anemia is closely related to the level of knowledge pregnant women have about its use. Therefore, understanding the relationship between knowledge about MMS and anemia incidence is crucial to improving maternal health outcomes (Rahmawati et al., 2023). Objective: This study aims to determine the relationship between pregnant women’s knowledge level about Multiple Micronutrient Supplements (MMS) and the incidence of anemia among pregnant women in the working area of Dr. Hi. Zainal Umar Sidiki Hospital, North Gorontalo. Methods: This research employed an analytical observational design with a cross-sectional approach. A total of 30 pregnant women were selected as the sample using purposive sampling techniquesResults: The study found that the majority of participants who had high knowledge levels about MMS had a lower incidence of anemia, while those with low knowledge levels had a higher incidence. These results highlight that knowledge about MMS strongly influences pregnant women’s adherence and effectiveness in preventing anemia. Conclusion: There is a significant relationship between pregnant women’s knowledge level about Multiple Micronutrient Supplements (MMS) and the incidence of anemia. Improving maternal knowledge about MMS through health education, counseling, and guidance from healthcare providers is essential to prevent anemia and support optimal pregnancy outcomes.

Yacoba Tabita Kinho; Amirul Mustofa; Sedarmayanti Sedarmayanti; Dian Ferriswara

International Journal of Social Sciences and Communication 2026 International Forum of Researchers and Lecturers

This study aims to evaluate the impact of leadership education and training on organizational service effectiveness within the Tambrauw Regency Government, Papua. Leadership training is an important instrument in developing the competencies of Civil Servants to enhance leadership capacity, managerial skills, and public service quality. However, its implementation needs evaluation to determine its impact on organizational performance and service effectiveness. This research uses a qualitative approach with descriptive analysis. The analytical framework applied is the Kirkpatrick training evaluation model, covering reaction, learning, behavior, and results. Data collection was conducted through documentation studies, policy analysis, and literature review on civil servant development and public services. The results indicate that leadership training has a positive impact on improving civil servant competencies and service effectiveness. At the reaction level, participants showed high satisfaction with training materials and methods. At the learning level, there was improvement in leadership knowledge and skills. At the behavior level, participants demonstrated more professional work attitudes, better coordination, and improved decision-making. At the results level, training contributed to improved service quality, efficiency, and innovation. However, challenges remain, including limited resources, hierarchical bureaucratic culture, and weak policy support. Therefore, strong local government commitment is needed to enhance training quality and organizational support. This study contributes to public administration research and offers practical insights for policy development.

Veby Agustina; Gebi Rissing Lallo

Jurnal Budi Pekerti Agama Kristen dan Katolik 2026 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

This study examines the effectiveness of classical guidance services in reducing gadget addiction among twelfth-grade students. Gadget addiction has become a growing concern in modern educational settings, as excessive use of digital devices often interferes with students’ academic performance, social interactions, and emotional stability. The research applies a quantitative methodology with a quasi-experimental approach, specifically utilizing a one-group pretest-posttest design. Participants were selected through purposive sampling based on indications of high gadget dependency. The intervention was conducted through structured classical guidance sessions focusing on awareness building, self-control improvement, and practical time management skills. Data were collected using a validated gadget addiction scale administered before and after the intervention, then analyzed using parametric statistics to determine the significance of the results. The findings indicate a significant decrease in gadget addiction levels following the implementation of the classical guidance program. This result highlights the importance of preventive and developmental counseling services in schools. The study implies that classical guidance can serve as an effective strategy to help students regulate their digital behavior and foster healthier lifestyle patterns in the digital era.

Daniel Halomoan Marbun; Martinus Laia

Nubuat : Jurnal Pendidikan Agama Kristen dan Katolik 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

The diversity of students’ study motivations in theological higher education presents both challenges and opportunities in shaping the spirituality of prospective Christian Religious Education (CRE) teachers. Not all students enter the CRE program based on a calling to ministry, resulting in varying levels of initial spiritual readiness. This study aims to analyze the process of spiritual formation among CRE students as prospective teachers at STT Katharos Indonesia Bekasi in the context of diverse study motivations, referring to James W. Fowler’s theory of faith development. This research employs a qualitative descriptive approach using observation, in-depth interviews, and documentation involving CRE students. The findings reveal that despite diverse initial motivations, the integrated theological education process through academic learning, ministry practices, community life, and spiritual formation effectively fosters faith growth and personal encounters with Christ. This process contributes to the development of students’ spiritual maturity. The study concludes that CRE education functions as an effective means of faith transformation in preparing prospective teachers with strong spiritual integrity and readiness for ministry.

Suci Fitriana Pramudya Wardani; Fristiyanti, Regina Ayu; Permatasari, Ineke; Aimang, Irna Olvaliani; Tafuli, Yordayumike +1 more

Jurnal Pengabdian Bidang Kesehatan 2026 PPNI UNIMMAN

Sexual education plays a critical role in promoting healthy and responsible behaviors among adolescents. Insufficient knowledge about sexual health increases the risk of engaging in unsafe sexual practices. This study aimed to evaluate the effectiveness of sexual education in improving the knowledge of students at SMP Pancasila, Brebes Regency, regarding adolescent sexual issues. The intervention was conducted in May 2024 with 24 students aged 12–18 years, using a pretest-posttest design and educational media, including leaflets and PowerPoint presentations. Results indicated a significant increase in the average knowledge score from 7 to 9 following the intervention. Most participants were aged 14–17 years, and some had prior dating experience. These findings are consistent with Erikson’s developmental theory, highlighting the importance of identity formation and intimacy during adolescence. The educational program effectively enhanced students’ knowledge and equipped them with decision-making skills, self-regulation, and body awareness. This study underscores the necessity of implementing comprehensive sexual education at the middle school level, involving schools, parents, and the community, and employing accurate educational materials such as leaflets. Such interventions are expected to reduce the incidence of premarital sexual behavior and foster responsible attitudes among adolescents

Kadir Jaelani, Abdul; Randy Ferdiansyah Hasibuan; Muhammad Tesar Trisetya; Fani Allyssa Dwita Putri; Risma Aulia Puteri +6 more

Jurnal Pengabdian Masyarakat Nusantara (Pengabmas Nusantara) 2026 Universitas Muhammadiyah Manado

Indonesia is a country with a high level of vulnerability to various natural disasters, making it essential to improve disaster mitigation literacy from an early age, particularly among primary school pupils. However, disaster mitigation education in schools is often still theoretical and lacks engaging and contextually relevant learning materials. Therefore, this initiative aims to enhance pupils’ understanding of disaster mitigation and environmental awareness through the use of an interactive magazine module accompanied by educational stickers. This community service activity was carried out at Giriwungu Primary School, Girirejo Village, Imogiri Sub-district, Bantul Regency, targeting Year 3 primary school pupils. The implementation method employed an educational-participatory approach through several stages of activity, namely the screening of educational videos, the distribution of interactive magazine modules, independent reading activities, the presentation of picture stories, and interactive quizzes to assess pupils’ understanding. The results of the activity showed that the pupils demonstrated high levels of enthusiasm and participation throughout the session, and the majority were able to grasp the basic concepts of waste management and the importance of protecting the environment as part of disaster mitigation efforts. Consequently, the use of interactive magazine modules can serve as an effective literacy tool for enhancing pupils’ understanding and fostering awareness of environmental care and disaster mitigation from an early age.

Ragil Pangestu; Muhammad Zalva Zakira; Herni Mandala Putri; Syarifuddin Syarifuddin; Rani Oktapiani

RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan 2026 Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

History education at the secondary level continues to face challenges in fostering higher order thinking skills, particularly students’ interpretative and critical analytical abilities, which are often constrained by textual and chronological instructional approaches. This study aims to conceptually examine the role of digital storytelling as a pedagogical strategy to strengthen historical interpretation and critical analysis within the frameworks of constructivism, historical thinking, and critical thinking theory. The research employs a qualitative approach based on literature review, utilizing descriptive and thematic analysis of scholarly works and educational policy documents. The findings indicate that digital storytelling promotes active cognitive engagement through processes of source selection, credibility evaluation, evidence based narrative construction, and multiperspective reflection. The production of digital narratives functions not merely as a creative activity but as a cognitive mechanism that trains logical argumentation and validation of historical evidence. Furthermore, the integration of multimedia elements enhances contextual understanding and deepens students’ meaning making of historical events. Nevertheless, its implementation encounters challenges related to teachers’ digital competence, students’ digital literacy readiness, infrastructural limitations, and instructional time allocation. The study implies that digital storytelling holds strategic potential as a pedagogical approach to develop historical thinking competencies in the digital era, provided that it is supported by systematic instructional planning and sustained capacity building in educational institutions.

Metta Susanti; RR. Dian Anggraeni; Rina Aprilyanti; Peng Wi; Suhendra Suhendra +3 more

Pemberdayaan Masyarakat: Jurnal Aksi Sosial 2026 Lembaga Pengembangan Kinerja Dosen

This community service program aims to improve adolescents’ financial literacy through an educational initiative entitled “Smart Teens: Managing Money Without Drama”, conducted for the youth of Vihara Dhamma Bhakti Tangerang. The program is motivated by the relatively low level of financial literacy among adolescents, which may lead to consumptive behavior and a lack of personal financial management skills from an early age. The methods employed include interactive lectures, financial management simulations, and group discussions covering basic financial planning, saving habits, and expense control. The results indicate an improvement in participants’ understanding of fundamental financial concepts, such as managing allowances, the importance of saving, and the ability to distinguish between needs and wants. Furthermore, participants demonstrated more responsible attitudes in making financial decisions. This program is expected to serve as an effective community-based financial literacy education model in fostering healthy financial behavior among adolescents.

Metta Susanti; RR. Dian Anggraeni; Rina Aprilyanti; Peng Wi; Suhendra Suhendra +3 more

Pemberdayaan Masyarakat: Jurnal Aksi Sosial 2026 Lembaga Pengembangan Kinerja Dosen

This community service program aims to improve adolescents’ financial literacy through an educational initiative entitled “Smart Teens: Managing Money Without Drama”, conducted for the youth of Vihara Dhamma Bhakti Tangerang. The program is motivated by the relatively low level of financial literacy among adolescents, which may lead to consumptive behavior and a lack of personal financial management skills from an early age. The methods employed include interactive lectures, financial management simulations, and group discussions covering basic financial planning, saving habits, and expense control. The results indicate an improvement in participants’ understanding of fundamental financial concepts, such as managing allowances, the importance of saving, and the ability to distinguish between needs and wants. Furthermore, participants demonstrated more responsible attitudes in making financial decisions. This program is expected to serve as an effective community-based financial literacy education model in fostering healthy financial behavior among adolescents.

Novita Uki Hutami; Faisyal Faisyal; Reyra Humaera; Irfanun Nisa Tsalits Hantanty

Jurnal Pariwisata Indonesia 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This study aims to identify domestic visitor segments in Bromo Tengger Semeru National Park (TNBTS), Indonesia, based on travel characteristics and consumption patterns to support the development of quality tourism in protected areas. Using snowball sampling, 283 domestic visitors was analysed by Two-Step Cluster Analysis in SPSS by integrating length of stay, activity preferences, and expenditure patterns. The results reveal a two-cluster solution as the most optimal segmentation, supported by the highest ratio of distance measures, with cluster quality rated as fair (silhouette = 0.20). Cluster 1 (39.2%) represents short-stay, lower-spending visitors who primarily seek iconic experiences (“Sunrise Seekers”), while Cluster 2 (60.8%) reflects longer-stay, higher-spending visitors who prefer village tourism activities (“Village Experience Seekers”). The strongest differentiating variables across segments are length of stay, activity preference, expenditure style, and age, whereas gender, education level, origin, and travel companions have limited role in segment separation. This study contributes empirical evidence of data-driven visitor segmentation in a conservation-based ecotourism destination within a volcanic national park, extending prior expenditure-focused profiling by integrating length of stay and activity preferences to capture visitor heterogeneity more comprehensively.

Nofiya Nofiya; Yulia Paramita Rusady

Jurnal Ilmu Kesehatan Umum, Psikolog, Keperawatan dan Kebidanan 2026 Asosiasi Riset Ilmu Kesehatan Indonesia

This study aims to determine the effect of educational activities on the management of ARI through infant massage practices on increasing maternal knowledge and reducing complaints of coughs and colds in infants in Majungan Village. The research method used was descriptive with a mixed methods approach (quantitative and qualitative). The study subjects consisted of 25 mothers with infants aged 0–12 months. Data were collected through observation, interviews, and pre-test and post-test questionnaires. The results showed that the level of maternal knowledge increased from 28% to 88% after being provided with education and demonstrations of infant massage. In addition, 76% of mothers reported a decrease in complaints of coughs and colds in infants after routine infant massage for one week. Qualitative results indicate that this activity is not only physically beneficial, but also increases the role of mothers in the management of mild ARI and awareness of the importance of cleanliness and environmental health. Thus, education on the management of ARI through infant massage practices can be one of the supporting efforts in maintaining infant health, especially in areas with limited access to health services.

Catharina Jean Sinaga

Jurnal Hukum, Politik dan Humaniora 2026 Lembaga Pengembangan Kinerja Dosen

Online gambling is a form of addictive behavior that often begins with simple experimentation. Early wins tend to encourage individuals to continue gambling with increasingly larger stakes, driven by the belief that higher bets will lead to greater profits. Along with the rapid advancement of digital technology, online gambling has become more accessible to various groups, including university students, through convenient and flexible online platforms. Although it is often perceived as a form of entertainment, online gambling has significant negative impacts. This study aims to analyze the effects of online gambling on students’ mental health. The research uses a qualitative approach, with data collected through observations and interviews involving respondents who engage in online gambling activities. The findings reveal that online gambling has detrimental effects on students’ psychological well-being, including increased levels of stress, anxiety, depression, and sleep disturbances. Furthermore, it contributes to decreased concentration, reduced learning motivation, and declining academic performance. Therefore, stronger preventive measures and educational efforts are necessary to minimize the negative impacts of online gambling among university students.

Septin Atalia Sallata; Melda Tiara Samaung; Imelda Putri Paliling

Nubuat : Jurnal Pendidikan Agama Kristen dan Katolik 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

The phenomenon of academic procrastination is a serious obstacle in the world of education, manifesting as a deliberate delay in starting or completing school assignments. This behavior leads to a decline in academic achievement and an increase in student anxiety when approaching deadlines. This article aims to examine the effectiveness of time management as a strategy to reduce academic procrastination behavior in students through a comprehensive literature review. The research method employed is library research, using content analysis techniques on scientific journal articles and previous research findings relevant within the last ten years. The research findings indicate a significant negative correlation between time management and academic procrastination, where the ability to prioritize and adhere to schedules effectively can lower the level of task delay. Furthermore, intervention through guidance and counseling services using self-management techniques has proven to be a strategic solution in enhancing student learning independence. The implications of this study emphasize the importance of the role of Guidance and Counseling teachers in integrating time management training into guidance programs to support students' sustainable academic effectiveness.

Marsha Dhita Pytaloka; Hertanto Hertanto; Ari Darmasuti

Birokrasi: JURNAL ILMU HUKUM DAN TATA NEGARA 2026 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

Political party support organizations play a crucial role in expanding the reach of party activities, particularly in the context of communication and political socialization at the local level. This study aims to examine how party support organizations carry out their political communication function, particularly in channeling and integrating community interests, while also analyzing their contribution to the political socialization process during the 2024 Legislative Elections in Central Lampung Regency. This study used a qualitative approach with a descriptive design. Data were obtained through in-depth interviews with 18 informants, participant observation, and documentation of organizational activities. Data analysis was conducted using an interactive model. The results indicate that party support organizations function as intermediaries between political parties and the community in establishing two-way communication. Furthermore, these organizations are able to absorb community aspirations at the local level and convey political information through a culturally and community-based approach. However, the effectiveness of this role still faces obstacles such as limited resources, low cadre capacity, and weak coordination between organizations. Furthermore, clientelism practices are still found and have the potential to reduce the quality of public political education. This study recommends strengthening organizational governance, increasing the capacity of digital-based cadres, and more systematically integrating supporting organizational networks to strengthen the institutionalization of political parties at the local level.

Muhammad Andra Nurramadhan; Irhamni Rahman

RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan 2026 Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

This research was conducted to analyze the process of providing social services for abandoned children at the Sayap Ibu Foundation. Abandoned children are seen as a group with a high level of vulnerability and therefore require special intervention in fulfilling basic rights, protection, and developing their personal capacity so they can develop optimally. The research method applies a qualitative approach that uses interview processes, observations, and documentation studies to obtain the required information. Research findings show that the services provided include aspects of protection, education, fulfillment of basic needs, and psychosocial development which are implemented in an integrated manner by professional staff and volunteers. In its implementation, this service still faces a number of obstacles, including limited human resources, infrastructure, and minimal support from the community, which has an impact on the suboptimal service. However, the Sayap Ibu Foundation still has a significant contribution in improving the welfare of abandoned children through various programs oriented towards social rehabilitation, character strengthening, and empowerment. Therefore, it can be concluded from this study that it is necessary to strengthen comprehensive and sustainable services, as well as closer collaboration between institutions, government and the community in order to increase the effectiveness of handling neglected children by utilizing the functions and roles of foundations to the maximum. Then, the implications of the results of this study can be used as consideration for policy makers and social actors in designing more effective service programs for neglected children.

Ayu Kartini Parawansa; Aslam, Annisa Paramaswary

Jurnal Riset Rumpun Ilmu Tanaman 2026 Pusat riset dan Inovasi Nasional

This study aims to analyze the level of financial literacy and examine its influence on the household welfare of vegetable farmers. Agricultural households, particularly smallholder vegetable farmers, frequently experience economic vulnerability due to several structural challenges such as unstable agricultural income, seasonal production patterns, fluctuating market prices, limited access to formal financial services, and inadequate financial management skills. These conditions often make farm households more susceptible to economic shocks, including crop failure, input price increases, or sudden market price declines. In this context, financial literacy becomes an essential capability that enables farmers to manage their financial resources more effectively.This research employed a quantitative research design using a survey approach. The study involved 120 vegetable farmers selected as respondents from major vegetable-producing areas. Data were collected through structured questionnaires designed to measure farmers’ financial literacy levels and household welfare conditions. Financial literacy was assessed through indicators such as financial knowledge, financial behavior, and financial attitudes, while household welfare was evaluated based on indicators including consumption stability, education and health expenditures, savings capacity, and overall economic resilience. The collected data were analyzed using descriptive statistics to describe the characteristics and financial literacy levels of respondents, and multiple linear regression analysis to examine the relationship between financial literacy and household welfare.The results of this study highlight the importance of strengthening financial education programs targeted at agricultural communities. Improving financial literacy among vegetable farmers can contribute not only to better household financial management but also to broader rural economic development. Therefore, financial education initiatives should be integrated into agricultural extension programs, farmer group activities, and local government development strategies. Such initiatives may include training in household financial planning, simple bookkeeping for farm businesses, savings management, and responsible credit use. By enhancing farmers’ financial capabilities, these programs can help improve household welfare, strengthen rural economic resilience, and support the long-term sustainability of the agricultural sector.