NOKEN LITERATION: A WISDOM LOCAL IN IMPROVING INVESTMENT AWARENESS COMMUNITIES

Noken literacy is a local wisdom program implemented by a literacy community in the land of Papua. This program was initiated with the aim of increasing the understanding of people in Papua about financial literacy. The method of implementation is by conducting field trips and direct assistance to the people involved in the economic activities of the market center in the Jayapura area. What distinguishes this program from other programs is because of the uniqueness of the objects carried by literacy activists when they go down to the field, namely a noken bag. Noken is one type of typical Papuan bag that has many philosophies about the Papuan people. It is hoped that the approach to using this unique bag of Papua will make people interested in understanding about financial literacy carried out by literacy activists. So that the decline of literacy and financial inclusion in the Sharia capital market in Papua can be overcome..


Introduction
Over the past few years, the development of the sharia economy globally has continued to experience fantastic growth. This is evidenced by the many countries that use the Islamic economic system. In Indonesia, the development of the Islamic financial system is growing rapidly from year to year in each sector. In the field of Islamic capital markets also have a record of encouraging developments. The data shows that the Based on a national survey conducted by the Financial Services Authority (OJK) in 2016 on financial literacy and inclusion, it was noted that the Islamic financial literacy and inclusion index was still very low compared to the conventional financial literacy and inclusion index. The data shows that the Islamic financial literacy index is 8.11% while conventional financial literacy is 59.74%. This shows that the community's understanding of sharia finance is still low. Considering that Indonesia is an archipelagic country, it is fitting for each region to be carried out with equal socialization (OJK, 2019). The following data is the level of literacy and Islamic finance in various regions: Source : Financial Services Authority(OJK) Based on these data, the Papua region ranks lowest after Bali in terms of understanding literacy and Islamic finance. The Papua region at the eastern end of the archipelago is an area endowed with various potential riches of abundant natural resources. Whether it's on land or at sea, and is able to provide a decent life for its citizens.
On land, lay agricultural land that is still very wide and fertile. In the area around the mountains there is also a wealth of minerals and minerals that are still not exploited, so they are still tangible in potential. While in the sea, contained the potential of marine wealth that provides a breath of life for its citizens. The development of population circulation in Papua is also increasing steadily increasing every year. This proves that the economic potential of this region will flourish if it is accompanied by the development of the character of its people. This fact should be used as an opportunity for the development of the Islamic economy. The huge potential of assets and the increasing population in Papua make this region worthy of attention and further development of financial literacy and financial inclusion in its Islamic capital market.
As a country consisting of various ethnic groups, Indonesia has a diversity of cultures that can be used as capital for economic development. The cultural diversity of the Indonesian people should not be a barrier to economic development. Cultural diversity can be converted into resources that support economic development. Culture as an economic resource is culture as an asset, which means culture as a container or a means of economic development. Social values and norms are tools for delivery or outreach, which then form the basis of mechanisms in economic development programs. (SUNARTI 2007) The success of economic development is determined by the transformation of traditional culture into modern culture. Cultural transformation is a dynamic process in which culture which becomes a way of life changes and adapts according to the times. But cultural transformation is not an adoption of culture that absorbs it completely and leaves the old culture away, but adjusts cultural values to its social life. Cultural transformation that is in line with the stages of economic growth will create a balance so that clash or community disputes can be minimized or even avoided. (SUNARTI 2007) Based on the explanation above, we need a concept and approach to increase the investment-conscious community in terms of understanding sharia capital market literacy in the form of a "Noken Literacy" program which is a value of local wisdom and is able to be an alternative solution to increase the financial literacy of the Papuan people. The problems presented above, can be overcome by the existence of a system approach to the field by civil society, students, and students who are members of a love literacy community that is interconnected with the Financial Services Authority and mutual support between one party and another, so that they are able produce quality people who are aware of the importance of investing.

a. Symbol Theory
To explain a culture, symbol theories are needed, where symbols form culture. In this research several symbol theories are used as follows. Clifford Geertz (22: 1992), says that wherever and wherever there may be systems of symbols "in their own terms", G.H.
Mead and other experts in Clifford Geertz (56: 1992), said that most of the symbols are words, but also signs, paintings, musical sounds, mechanical equipment such as clocks, So, the interpretation of culture is basically an interpretation of symbols. From various theories about symbols, it can be said that each object, action, event, nature or relationship that can act as a vehicle for a conception, and a conception which is a symbol in the form of words, ornaments, songs, rhymes, poems, equipment and so on to form a culture so that it has the characteristics of a culture that is commonly used in various forms of rituals that distinguish one culture from another. In this case noken is a symbol of Papuan culture which is a means of effective communication between people.
b. Theory of Effectiveness Soewarno Handayaningrat (1995: 16), said Effectiveness is a measurement in the sense of achieving a predetermined goal or goal ". Further explained by Soewarno Handayaningrat by relying on Emerson's thought above, he said the effectiveness of something has the meaning of achieving goals and objectives in accordance with a predetermined plan (Handayaningrat 1983). Conversely, if a target and goal are not achieved in accordance with the existing plan, then it is not effective ". Soewano Handayaningrat (1995: 16). Further said by Peter Drucker in Kisdarto (2002: 139), states that: effectiveness means the extent to which we achieve our goals and our efficiency mixes resources carefully. Opinions of the experts above can be explained, that effectiveness is an effort to achieve the desired goals (in accordance with expectations) aimed at many people and can be felt by the target group, namely the community.
Effectiveness comes from the effective word which means understanding the achievement of success in achieving the stated goals. Effectiveness is always related to the relationship between expected results and the results actually achieved.
Effectiveness can be seen from various points of view (view point) and can be assessed in various ways and has a close relationship with efficiency. From the various opinions above, that if the achievement of the objectives of the organization is greater, the greater the effectiveness. This means, that the notion of effectiveness that is concerned is solely the desired outcome or goal, and effectiveness is more focused on the effect or influence. In this case, noken is a cultural symbol that is considered to be able to realize the effectiveness of public communication

Research Types and Data Sources
Research conducted included in the type of qualitative descriptive research, namely the analysis model that gives an idea of how the logic of data analysis (Arikunto 2009). The use of logical thinking uses the assumption of inter subjectivity, while the qualitative research verbs used are social phenomenology. Thus it can be explained that this research focuses on subjective meanings and experiences which aim to explain how objects and experiences are created in full meaning and are communicated in everyday life. In this paper the researcher places the theory at the beginning of the writing to be used as a guide or guide the author in developing the writing.
Data sources used in this study are primary and secondary data. Primary data is data directly collected by researchers from their first source by obtaining informants or subjects to be studied, namely the person in charge of the literacy program and the people who are targeted by the literacy program. Secondary data is data arranged in the form of documents or books, journals, scientific magazines obtained from the center of library studies related to the object under study. According to Kartini Kartono (27: 1990), said library research is a way to collect data and information with the help of various materials contained in the library room Thus, the authors try to obtain data or secondary information by studying a number of notes, books, papers or other documents that are considered to have relevance to the problem under study. But in this study also conducted field research. This research took place at the research location (Research field). According to Taliziduhu Ndraha (115: 1993), field research is "research conducted in the field or research location, where events or symptoms that are the object of field research or are locations where primary data sources can be found". In this study, researchers went directly to the location of the study when the activities of the Noken literacy took place by literacy youths in traditional markets in Jayapura, so that the authors poured out all that was seen, what was understood, what was known , and what is heard, so that it can be concluded into writing (Ndraha 1993).
Several methods are used to obtain field data, namely by conducting passive participatory observation. In this passive participatory observation activity, the writer tries to carry out the activity of loading attention to an object with all five senses about certain symptoms by observing directly so that the researcher knows directly the object under study. In this case the researcher came at the location of the traditional market which is the place where the Noken literacy program took place and the researcher participated in the activities and made direct observations. In addition, in-depth interviews are also conducted, the depth of interviews conducted by the author is a dialogue or interview to obtain data that will be examined obtained from informants or informants, more freely, to get more open problems, by conducting unstructured interviews using assistance recording tools, notes, in collecting data.

Research Types and Data Sources
To be easy to understand from the results of this study, we need an analysis that is able to realize in a paper about the various findings in the research field. Lexy, said that data analysis is the process of systematically searching and compiling data obtained from interviews, field notes, other materials, so that they can be easily understood, and their findings can be shared with others (Moleong 2009). The data analysis technique used in this study is to use the Miles and Huberman model analysis technique (18: 1992), which analyzes data by dividing into three parts, namely: first by performing data reduction, namely summarizing data, selecting things the main thing, focus on the things that are important, and get rid of things that are not needed; second, conducting data display (data presentation), namely making a brief description, charts, relationships between categories and the like; and the third is conducting Conclusion Drawing / verification, namely drawing conclusions and verification (Miles and Huberman 1992) .

Noken Literasi sebagai Program Bernilai Local Wisdom
The land of Papua has beautiful and rich nature, and so do the ethnic groups. Noken is a container resembling a bag (but not a bag) made from natural materials in the form of wood fibers or leaves (currently there are also those from yarn).
The function of noken varies from loading family assets, garden produce, daily necessities, to holding a baby. To make noken, the main material must be cleaned, twisted, knitted or woven to form a pattern and a harmonious bond with each other.
Making noken requires perseverance and patience. When the bonding of a noken is formed, the straps will support each other so that the noken becomes tough when loading a large volume of luggage. (Atmosoeprapto 2002) Noken has a broad philosophy. Another philosophy embodied in a noken is the symbol of openness of the Papuan people. One of the speakers said that the noken which has a large inter-cavity form said that it was a symbol of openness. Open to the outside world and able to be friendly with every newcomer. Not surprisingly, the culture of local wisdom is included in the UNESCO cultural heritage. Local wisdom or local wisdom is the noble values handed down from the ancestors to the next generation who live and develop in the community. This means that if a local wisdom does not provide any benefits to the environment, it will undoubtedly be left by the community.
Noken as a value of wisdom should be preserved. One example of its preservation is to hold a program of activities that uses noken as a communication tool. The noken literacy program is a community of love literacy programs in Papua that was initiated by the Papuan Writing School with BP PAUD and the Papuan Public Health Council. This program arises because of the literacy activists' concerns about the low literacy of the Papuan financial conscious people who tend to spend money in a short period of time and have never had good financial planning. So this program is considered important to continue to be developed in raising the cultural image as well as the financial literacy of the Papuan people.

Implications of Development of Noken Literacy on Increasing Financial Literacy
Based on the index data of sharia financial literacy levels which are still low in Papua, it is fitting for an intensified financial literacy improvement program for its people.
The literacy noken program is a community of love literacy programs, the Papuan Writing School together with BP PAUD and the Papuan Public Health Council. This program has the aim to build a Papuan society that loves literacy so that with a high level of literacy, Papuans will be more prosperous in life. Especially for the development of financial literacy, this needs to continue to be developed because the Papuan people who have a large income but tend to be considered spending their money in the short term and do not understand investment. In this situation the development of financial literacy becomes important to do.
Noken literacy is a program that initiates students who are deemed competent in understanding investment to approach traders in the shopping center in Jayapura to educate the public about the importance of understanding financial literacy. So that in the trade process, they are able to get capital not from loan sharks and their trade profits can be well invested. The Noken literacy program is initiated for students because they are considered capable of functioning as ambassadors for community renewal or Activist selection and training : An online-based selection was carried out for students and students in the city of Jayapura so that participants who passed the selection would take a financial literacy training and be ready to go to the field. In the training session, literacy activists will receive material in the form of: 1. Material social approach to the target community.  3. 20 activists will educate public financial literacy with a total of 400 people within 1 month. 4. If this program is routinely and consistently carried out within a one year period, it will produce 4,800 people who will recognize investment. 5. With the level of financial literacy that is increasingly widespread, the potential of the community to be aware of investment will be higher so that it can help improve the economy both macro and micro. Government as a supporter and partner of the program STEP 1 Literacy activists were selected from Jayapura students and students. Activists who pass the selection will be trained in financial literacy material as well as material on effective approaches to the community. STEP 2 Literacy activists who have been trained to go down the field by carrying a standard financial literacy book in a noken bag. assistance to the community for 8 times in one month according to the location determined STEP 3 The public will get financial literacy education. So that the target program can be implemented effectively and for evaluation, activists will do reporting every month.

STEP 4
Within the increase in public financial literacy, this will help the community become aware of investment. So that this program can support national economic growth The noken literacy program applies 4 stages in its implementation to be realized the effectiveness and target of the program to expand the level of community literacy, the description is as follows: a. Stage 1: Students and students as executors of activities in the field and community assistance are selected based on the conditions set by the organizer of the activity.
The following criteria are students and students who are eligible to enter the program:

Opportunities and Challenges of Development of Noken Literacy
The financial literacy literacy program is a program that is realized by the passion of the activists in the world of literacy. Literacy is an individual's ability to process and understand information when reading and writing. In other words, literacy is a set of skills and abilities in reading, writing, counting, and solving problems in their daily lives.
The purpose of literacy is: i. Helps increase public knowledge by reading a variety of useful information.
ii. Helps improve one's level of understanding in drawing conclusions from information read.
iii. Helps grow and develop good character in a person.
iv. Help improve the quality of one's time use so that it is more useful.
Seeing the purpose of literacy that is so good, of course people will get various benefits from it. One type of literacy that is currently being intensified by the government is financial literacy. According to the Financial Services Authority, financial literacy is a series of processes or activities to increase the knowledge, beliefs, and skills of consumers and the wider community so that they are able to manage finances well. With a good level of financial literacy, a person will be greatly helped to live more prosperously in financial terms. A good level of financial literacy is also beneficial for a country's economic system. There are 4 levels of financial literacy according to the Financial Services Authority, namely: 1.) Well Literate, that is the degree to which a person has knowledge and beliefs about financial service institutions. Not only that, they also recognize the features, benefits, risks, rights and obligations regarding financial products and services.
2.) Sufficient Literate, that is, someone has knowledge and beliefs about financial service institutions and financial products and services.
3.) Less Literate, that is, someone only has knowledge of financial service institutions and their products and services.

4.) Not Literate, that is, a person lacks knowledge and beliefs about financial service
institutions.
From these various aspects, the noken literacy program contributes to financial literacy in the land of Papua. Here are some opportunities for developing the Noken literacy program: 1.) The abundance of students and students in the city of Jayapura must function properly in carrying out the noken literacy program. Young people are believed to be full of high spirits. So it is very suitable if placed in a world of literacy that relies more on the burning spirit of enthusiasm. Another advantage of young people is that they are considered capable of scientific understanding, so that the target of these students is considered effective and a golden opportunity.
2.) The abundant number of students and students in Jayapura City must function properly in carrying out the noken literacy program. Young people are believed to be full of high spirits. So it is very suitable if placed in a world of literacy that relies more on the burning spirit of enthusiasm. Another advantage of young people is that they are considered capable of scientific understanding, so that the target of these students is considered effective and a golden opportunity 3.) The abundance of students and students in the city of Jayapura must function properly in carrying out the noken literacy program. Young people are believed to be full of high spirits. So it is very suitable if placed in a world of literacy that relies more on the burning spirit of enthusiasm. Another advantage of young people is that they are considered capable of scientific understanding, so that the target of these students is  From the opportunities that have been described, the Noken literacy program also has various challenges to be faced namely: 1.) Lack of interest and love of students and students in the world of literacy.
2.) The lack of a literacy-loving community that would be moved to implement a literacy program like this noken literacy.
3.) Lack of support from the government as a party that plays a role in the supervision and support of funds.
4.) Implementation of literacy activist training that has not been touched by the Financial Services Authority as an effective material provider.
5.) Lack of synergy from related parties for the development of this literacy program.

CONCLUSIONS AND RECOMMENDATIONS
Papua is an area whose natural resource potential has no doubt. This abundant natural wealth is certainly an opportunity for better economic development. But in fact, Papua is a province with the lowest level of literacy and Islamic financial inclusion after Bali. Ppaua's Islamic financial literacy index is only around 1.09%, which means that of the 100 people surveyed, only 1 person understands the use of Islamic financial products.
Even though in recent years Islamic financial assets in the East have continued to increase by 41.62% yoy. Seeing this is certainly an opportunity as well as a big challenge for the Financial Services Authority to improve the Islamic financial industry in Papua.
In terms of increasing financial literacy, a noken literacy program was initiated as an