FINANCIAL LITERACY AND THE SUSTAINABLE LIVELIHOOD FRAMEWORK: ADVANCING ECONOMIC INDEPENDENCE AND FOOD SECURITY
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The Family Hope Program (PKH) is an instrument for poverty alleviation in North Aceh Regency, which is the largest beneficiary of PKH in Aceh, but dependence and low financial literacy have lead to weak economic independence and food security among low-income families. This has become an urgent research topic regarding the importance of strengthening the capacity of beneficiaries using a financial literacy approach based on the Social Learning Framework (SLF). This study aims to develop an SLF-based financial literacy model to improve household financial management, encourage productive behavior, and enhance sustainable household food security. The research method used qualitative approach through in-depth interviews with stakeholders, which were then analyzed through thematic coding with the help of NVivo. The results showed that PKH beneficiaries faced challenges in the form of inflation, low financial literacy, weak social capital, and limited institutional coordination. Financial capital is still narrowly perceived as “children's school fees,” while access to credit and asset accumulation tend to be avoided. Human capital is improved through financial literacy and skills training, although not evenly, while natural capital is limited to families who own land. The livelihood strategies of beneficiaries are divided between passive consumption patterns and active diversification through small businesses or agriculture. The research results show a duality: some families have succeeded in escaping poverty, while others remain dependent on the cash transfer program. This study confirms that the sustainability of PKH outcomes can only be achieved through the integration of financial literacy, consistent institutional support, and multi-sector collaboration.
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