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All Journal Advances in Community Services Research Advances: Jurnal Ekonomi & Bisnis
Yulianah Yulianah
Universitas Kebangsaan Republik Indonesia, Bandung, Indonesia
Economics, Econometrics & Finance Other

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Representation of Bank Emok's Identity and Social Capital in Urban Communities in West Java, Indonesia Aiman Fawwaz Syaukah; Yulianah Yulianah; Annisa Karuniawati; Muhamad Dicky Satria; Setty Nurjannah; Mega Zhafarina Purwono
Advances in Community Services Research Vol. 4 No. 2 (2026): March - August
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/acsr.v4i2.898

Abstract

Purpose: This study examines how identity representation and social capital mechanisms operate within Bank Emok practices among urban communities in West Java. Research Method: A descriptive qualitative approach was employed. Data were collected through participant observation during weekly Bank Emok meetings and in-depth interviews with active borrowers, joint liability group leaders, and community leaders. Data were analyzed using the Miles and Huberman interactive model, with support from source and method triangulation. Results and Discussion: The findings indicate that Bank Emok functions not only as an informal financial mechanism but also as a sociocultural institution. The emok practice facilitates the construction of collective identities among women facing similar economic pressures. Trust, social networks, and reciprocity enable access to credit through joint liability arrangements while simultaneously generating social obligations and pressures. Implications: Strengthening financial literacy and expanding inclusive formal financial services are necessary to address urban women's financial needs. Originality: This study integrates identity representation and Putnam's social capital framework to explain Bank Emok as both a financial and sociocultural phenomenon.
Resilience Narratives and Negotiation of Space: A Multidimensional Analysis of the Bank Emok Phenomenon from Economic, Sociological, and Legal Perspectives Deva Adelia; Yunisa Merdiana; Keysha Vania Putri Afriandi; Muhammad Rifqy; Yulianah Yulianah; Adang Sustisna
Advances in Community Services Research Vol. 4 No. 2 (2026): March - August
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/acsr.v4i2.899

Abstract

Purpose: This study examines borrower characteristics, factors influencing debt decisions, economic pressure dynamics, the implications of joint liability systems for family resilience and negotiation of social space, and the juridical position of Bank Emok practices in Indonesia. Research Method: A Systematic Literature Review (SLR) with a descriptive-qualitative approach was employed by synthesizing 15 primary studies published between 2023 and 2025. Data were selected using predefined inclusion criteria and analyzed through content analysis and thematic synthesis. Results and Discussion: The findings reveal that Bank Emok borrowers are not exclusively from absolute poverty groups but also include economically vulnerable families with urgent liquidity needs and weak financial attitudes. Joint liability mechanisms intensify economic pressure and reshape domestic and community relationships. The review also indicates that Bank Emok borrowing often fails to improve long-term welfare and requires more nuanced juridical assessment. Implications: Strengthening financial literacy and expanding accessible formal microfinance alternatives are essential. Originality: This study integrates resilience narratives and negotiation of social space into the analysis of informal lending practices.
Implementation of Fuel Subsidy Policy and Its Implications for the State Budget Ferdy Lukman Jaylani; Yulianah Yulianah; Muhamad Zahwan Pratama; Nayla Nazwa Putri; Rahma Alia Nurvadillah; Gunawan Gunawan
Advances in Community Services Research Vol. 4 No. 2 (2026): March - August
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/acsr.v4i2.900

Abstract

Purpose: This study evaluates the implementation of fuel subsidy policies in Indonesia and examines their implications for the sustainability of the State Budget (APBN) from the perspectives of fiscal efficiency and social protection. Research Method: A descriptive qualitative approach was employed using documentation studies and literature review. Data were collected from official government documents, including APBN Financial Notes, Central Government Financial Reports (LKPP), BPK audit reports, fuel subsidy regulations, and empirical studies published between 2022 and 2025. Data were analyzed inductively using Mazmanian and Sabatier's policy implementation framework. Results and Discussion: The findings indicate that fuel subsidy implementation remains constrained by targeting inaccuracies, institutional limitations, unequal digital access, and vulnerability to fluctuations in global oil prices and exchange rates. The effectiveness of digital monitoring systems and quota mechanisms depends on institutional readiness, data quality, and inter-agency coordination. Implications: Strengthening beneficiary databases, institutional coordination, and fiscal governance is essential for improving subsidy effectiveness and sustainability. Originality: This study operationalizes Mazmanian and Sabatier's framework to explain how legal structures, institutional capacity, target-group characteristics, and external conditions shape the implementation of fuel subsidies in Indonesia.
Co-Authors Adang Sustisna Agung Agustrianto Agustina Septiana Aiman Fawwaz Syaukah Aldy Nurdin Amel Rezkia Rachmat Annisa Karuniawati Dea Amanda Amelia Deri Apriadi Deva Adelia Dian Rahmania Eka Septiana Elsa Rosmiati Alisa Evi Karyani Ferdy Lukman Jaylani Garneta Dinarsuci Gunawan Gunawan Ikram Febriansyah Intan Prasasti Jeki Chen Keysha Vania Putri Afriandi Laela Istiqomah Luthviyah Ismayati Marintan Anastasya Putri Mega Zhafarina Purwono Mita Mita Moh Adistian Mohammad Nabilulhaq Diforama Muhamad Dicky Satria Muhamad Nur Amin Muhamad Zahwan Pratama Muhammad Rifqy Nayla Nazwa Putri Neng Dinda Septia Neysha Putri Vaquitasari Nisrina Salma Putri Nur Muhamad Hamka Pricilla Aprilia Putri Putri Pratiwi R. Dewi Pertiwi Rafi Rasidin Rahma Alia Nurvadillah Riefa Maulya Nuryani Risyad Fahriz Husaini Riztrya Novedliani Ryan Hidayat Salma Aparatunisa Satrio Sulistiyanto Setty Nurjannah Shahnawaaz Kiara Amanda Shira Raigung Renata Shofia Rofifah Azhaara Sindi Aprilianti Siti Sa’adah Suci Fitriani Sulaiman Ar Rasyid Al Khoirullahu Sylpi Nopiya Tantri Pebyani Tri Ceysha Nur Wahyuni Viny Limbong Wanda Laksniyunita Yunisa Merdiana