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All Journal Journal of Innovative and Creativity Hasina: Jurnal Akuntansi dan Bisnis Syariah
Tuti Handayani Zebua
Universitas Tjut Nyak Dhien
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Coping Strategies in Household Financial Management among Families with Limited Economic Conditions Tuti Handayani Zebua; Christian Slamat Silalahi; Rizky Peranginan Angin; Uswatun Hasanah
Jurnal Akuntansi dan Bisnis Syariah Vol 3 No 2 (2026): Edisi 5
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/hasina.v3i2.2643

Abstract

This study aims to understand coping strategies in household financial management among families with limited economic conditions. The study focuses on how families make financial decisions when facing economic pressure, such as increasing children’s needs, education costs, health expenses, and household expenditures that are not balanced with income. This research employs a descriptive qualitative approach. Data were collected through interviews with three housewives who had experience managing family finances under limited financial conditions. The data were analyzed through data reduction, data display, and conclusion drawing by grouping the informants’ responses into key themes. The findings show that household financial coping strategies are carried out by reducing consumptive spending, adjusting daily expenses, postponing certain purchases, using savings, preparing expenditure details, and seeking financial assistance from family members. In certain situations, online loans also emerge as a last alternative when family support is unavailable. These findings indicate that household financial management is not merely related to economic calculation, but also involves behavioral considerations, social relations, and the family’s ability to adapt to financial pressure. This study contributes to a broader understanding of household financial practices as everyday financial behavior that plays an important role in maintaining family economic sustainability.
ANALISIS MANAJEMEN RISIKO OPERASIONAL PADA UMKM FOTOCOPY “MENCIRIM INDAH PHOTO” MEDAN SUNGGAL Lelly Yowana Lase; Seni Krisdayanti Putri Halawa; Syahfia Siregar; Tuti Handayani Zebua; Ayunda Fatmasari
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i2.12714

Abstract

Focus - This study focuses on identifying and mapping operational risks at a photocopy, printing, and laminating MSME, Mencirim Indah Photo in Medan Sunggal, using the 5M Framework approach combined with a risk register instrument. Objective - This study aims to identify the operational risks faced by Mencirim Indah Photo in its daily business operations, measure the level of these risks through likelihood and impact analysis, trace the root causes based on five dimensions (Man, Machine, Material, Method, Money), and formulate mitigation strategies as well as Standard Operating Procedures (SOPs) to serve as practical guidelines for risk management. Method - The research employed a descriptive qualitative approach within the framework of community service activities. Data were collected through direct on-site observation, in-depth interviews with the owner and employees, and documentation comprising written records and photographs. The collected data were analyzed using the 5M framework to identify sources of risk, followed by an assessment of severity levels via a risk register, resulting in risk scores and classifications (Low, Medium, High, Extreme). Findings - The study identified six key operational risks; two were classified as "High" with the highest scores (photocopier malfunction and damp paper, each scoring 15), while three others were categorized as "Medium." Based on these findings, management strategies (mitigation, transfer, acceptance, and avoidance) and concrete action plans were developed, alongside Standard Operating Procedures (SOPs) for photocopier maintenance and paper storage, serving as practical guidelines to prevent the recurrence of operational disruptions.
Co-Authors Ayunda Fatmasari Christian Slamat Silalahi Lelly Yowana Lase Rizky Peranginan Angin Seni Krisdayanti Putri Halawa Syahfia Siregar Uswatun Hasanah