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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam Management and Economics Journal (MEC-J) Ganaya: Jurnal Ilmu Sosial dan Humaniora SENTRALISASI JMKSP (Jurnal Manajemen, Kepemimpinan, dan Supervisi Pendidikan) JURNAL PENDIDIKAN TAMBUSAI Almana : Jurnal Manajemen dan Bisnis Jurnal Manajerial Jurnal Review Pendidikan dan Pengajaran (JRPP) SULTANIST: Jurnal Manajemen dan Keuangan SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Tasharruf: Journal Economics and Business of Islam LAN TABUR: Jurnal Ekonomi Syari’ah Jurnal Pendidikan dan Kewirausahaan EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Community Development Journal: Jurnal Pengabdian Masyarakat Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) International Journal of Finance Research Journal La Sociale International Journal of Multi Discipline Science (IJ-MDS) Ilomata International Journal of Social Science JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen JURNAL ILMIAH GLOBAL EDUCATION Humantech : Jurnal Ilmiah Multidisiplin Indonesia INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Golden Ratio of Marketing and Applied Psychology of Business Journal of Indonesian Management EKONOMIKA SYARIAH : Journal of Economic Studies Journal of Islamic Economics Lariba Jurnal Ekonomika Manajemen Dan Bisnis Journal of Social Commerce Regress: Journal of Economics & Management Electronic Journal of Education, Social Economics and Technology e-Jurnal Apresiasi Ekonomi Journal of Economics and Management Scienties GEMAH RIPAH: Jurnal Bisnis Majapahit Journal of Islamic Finance dan Management El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management Economic: Journal Economic and Business Journal of Ekonomics, Finance, and Management Studies
Rahma, Tri Inda Fadhila
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Journal : Jurnal Manajerial

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Perilaku Masyarakat Dalam Pengelolaan Keuangan Melalui Bank Keliling : Bagaimana Peran Pemerintah Siagian, Tyo Rizky; Rahma, Tri Inda Fadhila; Sugianto, Sugianto
Jurnal Manajerial Vol. 12 No. 02 (2025): Jurnal Manajerial
Publisher : Program Studi Manajemen Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jurnalmanajerial.v12i02.9776

Abstract

Background – The demand for credit services in Parbarakan Village has increased significantly every year. This increase is generally driven by various factors, especially the socio-economic conditions of the community, such as insufficient income to meet the needs of life, both basic needs and urgent needs. This condition encourages many housewives to apply for loans as an effort to cover the lack of funds. The majority of people who work as farmers with unstable incomes also strengthen the need for loans. This situation is then exploited by certain parties from outside by providing massive loan offers, thus encouraging an increase in demand. Objective – To find out the role of the Perbarakan village government in resolving the problem of mobile banking services among the community. Design/ methodology/ approach – This study uses a qualitative phenomenological approach. Where primary data is obtained by observing and interviewing mobile bank officers and customers using mobile bank services. Secondary data is obtained from websites, literature studies that support research and various other sources. Data collection techniques in this study were carried out in several ways, namely by field observation, data obtained through this observation are the main data collected directly in the field. Interviews to obtain data directly, researchers conducted interviews with informants who were given a series of questions. Findings – the role of the government in solving the problem of mobile banks in Perbarakan village is that the village government creates its own bank through BUMDES with the hope that the people of Perbarakan village can be helped with capital loans offered by the government with very small interest so as not to burden the people of Perbarakan village. Creating training for young people and housewives, the purpose of holding training by BUMDes is also part of the process of absorbing community aspirations that may have rarely been touched by the village. One of them is sewing course training. In Perbarakan village, the majority of housewives have sewing skills to be able to maximize this, BUMDes must create a convection company where the company can sell sewing works from housewives in Perbarakan village. As the results of the interview conducted with the head of Perbarakan village who stated that in our village there are always sewing courses for mothers, the hope is that sewing courses in our village can be additional income for mothers in our village and hopefully it can reduce the community’s dependence on this mobile bank. Implications – This study reveals the reasons why people choose to use mobile banks, then with this study can find the factors that cause people to borrow from mobile banks and what they are used for and this study reveals what risks people face when choosing to use the services of mobile banks. And this study also explains how the role of the village government is in solving the problems of people who use mobile bank services in Perbarakan village. Research Limitations – This research focuses on the impact of the existence of mobile banks in Perbarakan village and how the government’s efforts are to reduce people’s sense of dependence on using mobile banking services.
Co-Authors adelika, adelika Ahnaf, Muhammad Naufal Andri Soemitra Anggara, Dwi Erlanda Anggraini, Adisty Annisa, Fadia Aprillia, Nur Aqwa Naser Daulay Arif, Atika Arnida Wahyuni Lubis atika Atika Atika Aulia Rahman Awaliya, Awaliya Ayu Wulandari Ayunda, Antin Baehaqi Barus, Rasmita Tiara Br Bayani, Luthfiah Nur Br Silalahi, Noni Novita Sari Cahaya, Nilam Damanik, Muhammad Rifki Dewi, Cindy Kumala Dharma, Budi Fadila Syafitri, Diana Fadila, Shintiya Hafiza, Dara Handayani, Suri Sakinah Harahap, Minta Ade Doliana Harahap, Muhammad Ikhsan Harahap, Muhammad Risalah Harahap, Rahmat Daim Hayani, Nur Syamsidah Hermain, Hendra Imnur, Raudhatul Hasanah Imsar, Imsar Indradewa, Rhian Isnaini Harahap Jannah, Nurul Juliana Nasution Juro, Az-Zahra Kusmilawaty, Kusmilawaty Lubis, Dinda Fahira Lubis, Hana’ Salsabila M Marliyah Maha, Nurita Manik, M. Bay Hakqi Marissa, Sasa Marliyah, Marliyah Maulana, Gilang Saka Muhaisin, Ahmad muhammad Syahbudi, muhammad Mustapa  Khamal  Rokan Musyafa, Muhammad Helma Nabila, Dara Nasution, Annio Indah Lestari Nasution, Doly Anwar Nasution, Hafizah Mahira nasution, indah sari Nasution, Irsan Al Fadhil Nasution, Juliana Nur Fadhilah Ahmad Hasibuan Nursantri Yanti Nurul Inayah Nurul Jannah Oktaviani, Tesya Panjaitan, Latifah Hanum Br Pohan, Novita Sari Putri, Indry_Anggraini Qarni, Waizul Raden Mohamad Herdian Bhakti Rahmah, Azizah Rahmani, Nur Ahmadi Bi Rahmatillah, Riska Rahmi Syahriza, Rahmi Ramadiansyah, Ridho Romadhon , Fauzi Ahmad Sahima Hsb, Indah Saparuddin Siregar Sarah, Fitria Sari, Meyana Siagian, Tyo Rizky Simanullang, Ainil Harnita Siregar, Ahmad Rajin Siregar, Sonia Afna Sugianto Sugianto Sugianto Suhairi Suhairi Suwarni Suwarni Syafrizal, Muhammad Syahputra, Muhammad Ibnu Syahputri, Dea Aulia Syahputri, Kharisma Syamsiar, Syamsiar Tuti Anggraini Virdinia, Thasya Wani, Anis Syafa Zein, Gilang Hardian