Literasi Manajemen Investasi dan Pasar Modal pada Komunitas Masyarakat Migran Indonesia di Timur Tengah

Abstract

Investment management and capital market literacy are important skills in improving financial well-being, especially for the Indonesian Migrant Worker (PMI) community working in the Middle East in optimizing remittances and improving financial well-being. This community service activity aims to provide a level of understanding to improve financial literacy, especially in terms of investment management and capital market understanding, improve financial literacy of Indonesian migrant communities, and identify the main factors that encourage increased investment literacy for Indonesian migrant communities in the Middle East. The community service activity methods are lectures and training methods conducted in Qatar. The selection of these two methods is adjusted to the needs of Indonesian migrant communities in Qatar and other Middle Eastern countries who have a high interest in financial management, but are still limited in understanding the concepts and practices of safe and productive investments. Using a qualitative descriptive approach with data collection through surveys and interviews, and documentation studies. The results of the Community Service (PKM) show that the understanding of Indonesian migrant workers in general is limited to basic financial management, at 65%, while knowledge of capital market instruments is still limited in understanding more complex investment instruments, such as stocks, bonds, and mutual funds is still low at 25%, the remaining 10% have little knowledge. The main obstacles are limited access to information, minimal digital literacy, and a lack of financial education programs relevant to the conditions of migrant workers. This PKM study emphasizes the need to strengthen community-based investment literacy education programs and digital technology to make them more accessible. Increasing literacy in this area has the potential to strengthen individual economic resilience, support family well-being, and make a positive contribution to national development. The implications of this research emphasize the importance of strengthening investment literacy as a strategy for the economic empowerment of Indonesian migrant workers.