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All Journal Jurnal Ilmiah Ekonomi Islam Perdikan: Journal of Community Engagement
Dian Puspita Sari
Universitas Islam Negeri Madura
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Strengthening household financial resilience through financial management training for women tobacco warehouse workers in Blumbungan Village, Pamekasan Regency Ummu Kulsum; Dian Puspita Sari; Amilia Ramdhani
PERDIKAN (Journal of Community Engagement) Vol. 8 No. 1 (2026): In Progress
Publisher : IAIN Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/pjce.v8i1.22621

Abstract

The level of financial literacy among rural communities, particularly women working in the informal sector, remains relatively low, affecting household economic resilience. This condition is also observed in Blumbungan Village, Larangan District, Pamekasan Regency, where most women work in tobacco warehouses and play dual roles as additional breadwinners and household financial managers. This community service program aims to improve financial literacy and household financial management skills through participatory-based training. The activity employed the Participatory Action Research (PAR) method over one month, involving 23 female tobacco warehouse workers. The stages included a needs assessment, delivery of financial literacy materials, budgeting simulations, and practice in expense evaluation using the 50–30–20 allocation concept. Data were collected through observation, interviews, and documentation, and analyzed descriptively. The results revealed that before the training, most participants lacked a financial recording system and tended to spend their income spontaneously on daily needs. After the training, participants showed significant improvement in understanding proportional income allocation, recording expenditures, and saving regularly. They also became aware of the importance of budgeting evaluation and the need for financial independence in old age without relying on their children. This program not only enhanced participants' technical and financial management skills but also strengthened women's economic empowerment and household financial resilience in rural areas. The program recommends follow-up activities such as periodic mentoring and the establishment of village-based financial literacy learning groups to ensure the sustainability of proper financial management practices.
Pengaruh Kualitas Pelayanan dan Transaction Fee terhadap Kepuasan Penggunaan Layanan BSI Smart Agent UIN Madura Dian Puspita Sari; Lukmanul Hakim
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20467

Abstract

This study aims to determine the effect of service quality and transaction fees on the satisfaction of BSI Smart Agent service users at the State Islamic University of Madura, both partially and simultaneously. This study employs a quantitative approach using multiple linear regression analysis on 100 respondents selected via accidental sampling. Data were collected through a questionnaire that had been validated for both validity and reliability, ensuring all items were deemed valid and reliable. The T-test results indicate that service quality has a positive and significant effect on user satisfaction with a significance value of 0.000 < 0.05, and transaction fees have a positive and significant effect on user satisfaction with a significance value of 0.000 < 0.05, where transaction fees are the most dominant variable with a Beta value of 0.452. The F-test results show that service quality and transaction fees simultaneously have a significant effect on user satisfaction with a significance value of 0.000 < 0.05, and an adjusted R-squared value of 0.546, indicating that these two variables account for 54.6% of the variation in user satisfaction Consequently, the managers of the BSI Smart Agent service at UIN Madura need to prioritize evaluating the transaction fee structure while continuing to improve service quality so that user satisfaction particularly among students can be sustainably enhanced.
Co-Authors Amilia Ramdhani Lukmanul Hakim Ummu Kulsum