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All Journal Jurnal Pengabdian Masyarakat Kesosi Indonesian Journal of Islamic Economics and Finance
Willia Wahyuni
Universitas Islam Negeri Sumatera Utara
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Neuroscience Nursing Public Health Social Sciences

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The Influence of Seafaring Experience, Fishermen's Productive Assets and Livelihood Diversification on Fishermen's Welfare in Singkuang Village, Mandailing Natal Regency Willia Wahyuni; Imsar Imsar; M. Syahbudi
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.10007

Abstract

This study examines the effects of seafaring experience and productive assets on fishermen’s welfare, with livelihood diversification serving as an intervening variable. A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected through questionnaires administered to 98 fishermen in Singkuang Village, Mandailing Natal Regency. The findings reveal that seafaring experience and productive assets have positive and significant effects on livelihood diversification and fishermen’s welfare. Livelihood diversification also has a positive and significant effect on fishermen’s welfare (β = 0.293, p < 0.001). Furthermore, productive assets significantly influence livelihood diversification (β = 0.347, p < 0.001) and fishermen’s welfare (β = 0.441, p < 0.001), while seafaring experience significantly affects livelihood diversification (β = 0.392, p < 0.001) and fishermen’s welfare (β = 0.366, p < 0.001). The structural model demonstrates substantial explanatory power, with an R² value of 0.440 for livelihood diversification and 0.794 for fishermen’s welfare, indicating that the model explains 79.4% of the variance in fishermen’s welfare. These findings suggest that enhancing fishermen’s work experience, strengthening productive assets, and promoting livelihood diversification are effective strategies for improving the sustainable welfare of coastal fishing households.
Efektifitas Sosialisasi Qris dalam Meningkatkan Literasi Digital dan Transaksi Non Tunai di Desa Bandar Baru Sibolangit Anggun Khairunnissa Agustin; Fikri Azka Tanjung; Putri Erma Yunita; Willia Wahyuni; Bagus Ramadi
Jurnal Pengabdian Masyarakat Kesosi Vol. 9 No. 1 (2026): Januari: Jurnal Abdimas KESOSI
Publisher : Sekolah Tinggi Ilmu Kesehatan Kesetiakawanan Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57213/abdimas.v9i1.435

Abstract

The development of digital technology has brought significant changes to the public financial transaction system, particularly through the implementation of the Quick Response Code Indonesian Standard (QRIS) as a national non-cash payment instrument. However, the adoption of QRIS at the village level still faces challenges, especially the low level of digital and financial literacy among the community. This study aims to analyze the effectiveness of QRIS socialization activities in improving digital literacy and encouraging non-cash transactions in Bandar Baru Sibolangit Village. The research employs a descriptive qualitative approach using observation, interviews, and documentation methods. The results indicate that QRIS socialization has a positive impact on increasing community understanding and skills in using digital payment technology. Active community participation in training sessions and QRIS usage demonstrations plays a crucial role in shifting transaction behavior from cash-based to digital-based practices. Furthermore, the main supporting factors for successful socialization include direct communication approaches, the involvement of village authorities, and support from local financial institutions. This study concludes that QRIS socialization activities are effective in enhancing community digital literacy while accelerating digital economic transformation at the village level. The findings are expected to serve as a reference for financial institutions, local governments, and academics in designing sustainable, technology-based financial inclusion strategies.
Co-Authors Anggun Khairunnissa Agustin Bagus Ramadi Fikri Azka Tanjung Imsar Imsar M. Syahbudi Putri Erma Yunita