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Utomo, Jepri
Universitas Madako Tolitoli
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Development of an Inclusive Economic Education Program Based on Sustainable Management to Improve the Financial Resilience of Urban Families in Makassar Iriani, Nisma; Ismail, Ismail; Kurnia, Ady; Utomo, Jepri; Mutmainnah, Inayatul; Ibadurrahman, Ibadurrahman
Jurnal Economic Resource Vol. 8 No. 1 (2025): March-August
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i1.1764

Abstract

This study aims to develop an Inclusive Economic Education Program based on Sustainable Management to improve the financial resilience of urban families in Makassar. The research method uses a quantitative approach with a pre-test and post-test design, involving target families who participate in training and mentoring programs. The results show a significant improvement in financial literacy and behavior, including understanding needs and wants, budgeting, saving habits, utilization of formal financial services, and adoption of fintech. These findings imply that similar programs are worth replicating to strengthen the economic resilience of families in urban areas in a sustainable manner.
Financial Well-Being Masyarakat Perkotaan: Sinergi Antara Intervensi Manajemen Keuangan Dan Pendidikan Ekonomi Di Kawasan Padat Makassar Arsyad, Nursyam; Hamran , Hamran; Hafid, Abdul; Ibadurrahman , Ibadurrahman; Utomo, Jepri; Mutmainnah, Inayatul
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1871

Abstract

Penelitian ini bertujuan untuk mengevaluasi dampak sinergi antara intervensi manajemen keuangan dan pendidikan ekonomi terhadap kesejahteraan finansial masyarakat perkotaan di kawasan padat Kota Makassar. Pendekatan campuran digunakan dalam studi ini, dengan menggabungkan data kuantitatif berupa pre-test dan post-test literasi serta perilaku keuangan pada 60 responden, serta data kualitatif dari observasi lapangan dan wawancara mendalam dengan peserta, tokoh masyarakat, dan fasilitator pelatihan. Intervensi dilakukan melalui pelatihan manajemen keuangan berbasis kebutuhan praktis warga, menggunakan modul sederhana dan simulasi. Hasil penelitian menunjukkan peningkatan signifikan pada indikator literasi dan perilaku keuangan pasca pelatihan, disertai perubahan sikap dalam pencatatan anggaran, prioritas pengeluaran, serta komunikasi keuangan dalam keluarga. Temuan ini memperkuat pentingnya kolaborasi antara intervensi berbasis komunitas dan pendidikan ekonomi untuk memperbaiki kesejahteraan finansial masyarakat urban. Penelitian ini memberikan implikasi kebijakan terhadap pengembangan program literasi keuangan yang kontekstual dan partisipatif.
Co-Authors Aagin Artama Musa, Lalu Abd Halim Abdad, Wajdi Abdul Hafid Abdullah, Subhan Adam Kamal , Alabani Adhi, Rakhmat Nur Adys, Himaya Praptani Agung Firmansyah Agustang, Andi Ainushofa, Ilmi Akbar, Ahmad Naufal Amrul Amrul Andi Muh Akbar Saputra Andriya Risdwiyanto Anggoro Dwi Cahyo Aniati Anas Arief Yanto Rukmana Arif Hidayat Arif Saefudin Arimbawa, I Ketut Arlin Adam, Arlin Arlini , Lidya Arsyad, Nursyam Aryo De Wibowo Astuti, Dian Ayi Abdurahman Burhan Burhan Destiawan, Lalu Yudistira Dito Anurogo Farhan Ferian Farwita, Syurwana Febriani, Haniza Firman Agil, Wahyu Hadi, Mr. Samsul Hafiza, Nuril Hairil Wadi Hamidsyukrie ZM Hamran , Hamran hana, Hana Maulida Safitri Hegar Harini HENDRA GUNAWAN B11211055 Hestie Ariestina Hikmah, Nurul Hikmah Husnayain, Husnayain HUSNUL KHOTIMAH I Putu Agus Dharma Hita Ibadurrahman , Ibadurrahman Ibadurrahman Ibadurrahman Ihsan, Andi Iklima Inayatul Mutmainnah Inggrid L, Grita Iriani, Nisma Ismail Ismail Iwan Ramadhan Izhar Salim Johana Nahuway Juliana Jusniati Kamalia, Ulfi Kamaruddin, Syamsu Kamaruddin, Syamsu Andi Kamisa, Feni Aprilia Kurnia, Ady Laeli, Inayatul Laili Savitri Noor Loso Judijanto Lukis Alam Maria Ulfa Marlina Marlina Marzuki Marzuki Masyhuri Masyhuri Masyhuri Masyhuri, Zilly Arsyika Maulana, Muhammad Rizky Maulida Afriani, Sukma Mayasari Mayasari, Mayasari Mila Noviana, Mila Misbahul Munir MS Viktor Purhanudin Muhammad Ilyas Muhammad Syukur Mukhtar, Afiah Mutmainnah, Inayatul Ni Made Novi Suryanti Novi Suryanti Nur Adhi, Rakhmat Nur Hafiz, Alfi Nur Syariatin Nursida, Andi Oktaviani, Sania Purwaningsih - Rismar Julia Rohman, Prabu Rosyidah, Feryna Nur Rustiyarso . Salehuddin, Salehuddin Sania Sanikurniati, Baiq Sarilah Sarilah Sa’adah, Wardhatul Sembiring, Rinawati Shermina Oruh Siti Chadijah Siti Chadijah Siti Saniah, Siti Sri Sudaryati Sri, Sri Wahyuni Suaebah Suhaeb, Firdaus W Sukardi Sukardi Sulistyo Andarmoyo Sumitro Sumitro , Sumitro Sumitro Sumitro Suprapto Suprapto Suroso Suroso Suud Suud Suud, Suud Syam, Andi Zulitsnayarti Mardhani Syariatin, Nur Tamher, Fatmah W. TEGUH ARIFIANTO, TEGUH Tri Velyna Wadi, Hairil Wahyu Febrianti, Duwiq Widi, Widiyanti Wira Parawangsa wira Yanti, Febi Yuli Rohmiyati Yuli Rohmiyati Zahraini, Yuliana ZM, Hamidsyukrie Zulvia, Ridho