FINANCIAL LITERACY OF CAPITAL MARKETS TO REALIZE ECONOMIC INDEPENDENCE

Abstract

Pasar modal dapat diartikan sebagai pasar yang menyediakan berbagai instrumen surat berharga yang diterbitkan pemerintah, maupun pihak swasta. Instrumen pasar modal seperti saham, obligasi jangka panjang, dan dana reksa mampu mejadi pilihan investasi yang dapat memberikan potensi imbal balik (capital gain) di masa depan. Berdasarkan Survei OJK pada 2019, indeks literasi keuangan dan inklusi keuangan masyarakat pedesaan berada di angka 34,53 persen dan 68,49 persen. Dari data tersebut, terbukti bahwa wawasan, kesadaran, ketertarikan masyarakat pedesaan Indonesia terhadap literasi dan inklusi keuangan seperti pasar modal masih terbatas. Kegiatan ini bertujuan meningkatkan dasar ilmu, kesadaran, dan ketertarikan masyarakat pedesaan terhadap pasar modal kepada masyarakat di Desa Lobang, Kecamatan Limpung, Kabupaten Batang. Kegiatan telah direalisasikan pada 2020. Metode yang digunakan adalah pendekatan aksi berupa sosialisasi mengenai pentingnya investasi, dan edukasi teoritis pasar modal, serta analisa kondisi pasar modal. Edukasi literasi pasar modal meliputi dasar teori dan analisis pasar modal. Hasil kegiatan menunjukan bahwa, kebanyakan masyarakat Desa Lobang mengalami peningkatan dari tidak tahu menjadi tahu tentang pasar modal. Diharapkan kedepannya, masyarakat Desa Lobang yang sudah mengikuti kegiatan ini tertarik untuk mulai melakukan investasi di pasar modal.

A capital market can be interpreted as a market that provides various instruments of securities issued by the government, as well as private parties. Capital market instruments such as stocks, long-term bonds, and Danareksa can be an investment options that can provide potential capital gains in the future. Based on the OJK Survey in 2019, the index of financial literacy and financial inclusion of rural communities was at 34.53 per cent and 68.49 per cent. From the data, it is proven that the insight, awareness, interest of rural Indonesian people towards financial literacy and inclusion such as capital markets is still limited. This activity aims to increase the basis of knowledge, awareness, and interest of rural communities in the capital market to the community in Lobang Village, Limpung Subdistrict, Batang Regency. Activities have been realized in 2020. The method used is an active approach in the form of socialization about the importance of investment, and theoretical education of capital markets, as well as analysis of capital market conditions. Capital market literacy education includes the basis of capital market theory and analysis. The results of the activity showed that most lobang villagers experienced an increase from not knowing to know about the capital market. It is expected that in the future, the people of Lobang Village who have participated in this activity are interested in starting to make investments in the capital market.