Integrating Remittance Literacy and Village Spatial Policy for Migrant Worker Families: Community Service with PCIM Taiwan

Sri Indarti; Rekho Adriadi; Rosa Oktapia; Yela Permata Sari

doi:10.59535/4cmpwn06

Authors

Sri Indarti Department of Public Administration, Universitas Muhammadiyah Bengkulu, Indonesia Author
Rekho Adriadi Department of Public Administration, Faculty of Social and Political Sciences, Universitas Muhammadiyah Bengkulu, Indonesia Author
Rosa Oktapia Department of Public Administration, Faculty of Social and Political Sciences, Universitas Muhammadiyah Bengkulu, Indonesia Author
Yela Permata Sari Department of Public Administration, Faculty of Social and Political Sciences, Universitas Muhammadiyah Bengkulu, Indonesia Author

DOI:

https://doi.org/10.59535/4cmpwn06

Keywords:

remittances, migrant worker families, financial literacy, spatial policy, environmentally friendly enterprise

Abstract

Remittances can support household welfare and rural investment, yet productive use of migrant earnings may create new risks when families lack financial capability or information on land-use, environmental, and business regulations. This community service program integrated financial literacy, environmental and village spatial policy socialization, micro-enterprise planning, and family reintegration support for Indonesian migrant workers in Taiwan and their families in home villages. The program was implemented online from January to May 2023 with PCIM Taiwan and involved 30 participants. Five sessions totaling 7.5 contact hours used short expert inputs, case-based discussion, applied worksheets, a business-planning clinic, and family planning activities. All participants completed the financial-literacy pre- and post-test. Across four assessed dimensions, the unweighted composite score increased from 55.5% to 81.5%; the largest gain was in saving orientation and risk awareness (+33 percentage points). Participants also examined environmentally appropriate enterprise options and used a land-use screening guide to connect business decisions with spatial designation, agricultural-land protection, environmental requirements, and business licensing. The program shows that remittance education can be strengthened by moving beyond household finance alone and linking financial decisions to the regulatory and ecological conditions of village investment. Longer-term evaluation is still required to determine whether planned enterprises were established and whether changes in financial and land-use practices were sustained.

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