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All Journal Competitive Jurnal Akuntansi dan Keuangan Dedikasi: Jurnal Pengabdian Kepada Masyarakat
Selin Jurniasari
Universitas Islam Negeri Jurai Siwo Lampung
Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences

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ANALYSIS OF FACTORS AFFECTING EMERGENCY FUND MANAGEMENT IN THE COMMUNITY OF TERBANGGI MARGA VILLAGE, SUKADANA, LAMPUNG EAST Selin Jurniasari; Thoyibatun Nisa; Era Yudistira
COMPETITIVE Vol 10 No 1 (2026): Competitive Jurnal Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/competitive.v10i1.15583

Abstract

Emergency funds are an essential component of household financial resilience, particularly in rural communities that are vulnerable to income fluctuations and economic uncertainty. Limited financial preparedness in such settings highlights the importance of identifying key factors that influence emergency fund management. This study aims to analyze the effects of financial literacy, financial experience, lifestyle, and online lending on emergency fund management among residents of Terbanggi Marga Village. This research employed a quantitative approach using survey data collected from 89 respondents selected through purposive sampling, meaning respondents were chosen based on specific criteria relevant to the research objectives. The data were analyzed using multiple linear regression to examine the individual and combined effects of the independent variables on emergency fund management. The results show that financial literacy (p = 0.001) and financial experience (p = 0.001) have a positive and statistically significant effect on emergency fund management. In contrast, lifestyle (p = 0.692) and online lending (p = 0.411) do not demonstrate a significant influence. The simultaneous effect of all independent variables is confirmed by the F-test, which assesses their joint impact on the dependent variable (p = 0.001). Furthermore, the coefficient of determination (R² = 0.698) indicates that the regression model explains 69.8% of the variation in emergency fund management. These findings suggest that improving financial literacy and strengthening financial experience are critical strategies for enhancing emergency fund management in rural communities, while lifestyle patterns and the use of online lending services appear to play a less dominant role
Peningkatan Aksesibilitas dan Identitas Rumah Warga Melalui Program Pemasangan Nomor Rumah oleh Mahasiswa KKN di Desa Toto Projo Kecamatan Way Bungur Syhan Rafif Fathana Bimbo; Sefia Kurniasari; Salsabila Salsabila; Muhammad Wahyu Rayhan; Soni Andriyansyah; Shela Sabrina; Shila Aprilia; Salsabilla Ayyu Khofiffa; Septiara Latifah Cahya Ningtias; Nuryanto Nuryanto; Selin Jurniasari
DEDIKASI: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 1 (2026): Maret
Publisher : Yayasan Dekhalisha Global Prestise

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Abstract

The house numbering program implemented by Community Service (KKN) students in Toto Projo Village, Way Bungur District, East Lampung Regency, aimed to improve accessibility, orderliness, and residential identity. Preliminary observations revealed that the majority of houses in the village lacked clear numbering systems, creating difficulties in population data collection, emergency services, social assistance distribution, and geographic navigation. The implementation method employed a participatory approach involving village government, village officials, and community members through stages of coordination, data collection, house number design, production, installation, and evaluation. Data were collected through direct observation, in-depth interviews, and documentation. Program results demonstrated that house numbering installation provided positive impacts in facilitating public service access, enhancing village administrative efficiency, and strengthening residential identity. Evaluation through interviews revealed high levels of resident satisfaction with the program, with particular appreciation for improved navigation and environmental orderliness. This program can serve as a sustainable community service model and be replicated in other villages with support from local government and integration of digital mapping technology to enhance spatial and demographic data management effectiveness.
Co-Authors Era Yudistira Muhammad Wahyu Rayhan Nuryanto Nuryanto Salsabila Salsabila Salsabilla Ayyu Khofiffa Sefia Kurniasari Septiara Latifah Cahya Ningtias Shela Sabrina Shila Aprilia Soni Andriyansyah Syhan Rafif Fathana Bimbo Thoyibatun Nisa