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All Journal Aceh International Journal of Social Science Jurnal Benefita : Ekonomi Pembangunan, Manajemen Bisnis Dan Akuntansi Multicience Matua Jurnal Jurnal Manajemen Jurnal Akuntansi Keuangan dan Bisnis Journal of Social And Economics Research Journal of Community Service Jurnal Penelitian dan Pengabdian Masyarakat Ekasakti Matua Jurnal Manajemen Ekasakti Pareso Jurnal Akuntansi JOURNAL OF COMMUNITY SERVICE AND APPLICATION SCIENCE (JCSAS) journal of social and economic research Jurnal Riset & Sains Ekonomi Jurnal Riset Akuntansi
Salfadri, Salfadri
Program Studi Manajemen, Fakultas Ekonomi, Universitas Ekasakti Padang
Arts Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Journal : journal of community service

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HOUSEHOLD AND BUSINESS FINANCIAL MANAGEMENT TRAINING FOR FISHING COMMUNITIES Teti Chandrayanti; Novi yanti; Danyl Mallisza; Rice haryati; Delvianti, Delvianti; Salfadri, Salfadri; Yulia Syafitri; Rizka Hadya; Yulistia, Yulistia; Yuli Ardiany; Rina Asmeri; Andre Bustari
Journal of Community Service Vol 8 No 1 (2026): JCS, June 2026
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56670/jcs.v8i1.447

Abstract

Fishing communities frequently face financial instability caused by fluctuating income cycles that are highly dependent on natural conditions and fishing seasons. The core problem is not the absence of income, but the lack of understanding and skill in managing cash flow, the absence of separation between business capital and household finances, and heavy reliance on informal moneylenders during the off-season (masa paceklik). This Community Service Program (PKM) aimed to provide practical financial-management education and training for the Balik Saiyo Fishing Group in Kelurahan Teluk Kabung Tengah, Bungus Teluk Kabung, Padang City. The activity involved 40 participants, consisting of 15 lecturers as facilitators and 25 members of the fishing community and coastal families as the main target group. The method combined interactive socialization, training in simple daily cash recording, and the introduction of an income-allocation pattern together with an emergency-fund strategy. Program success was assessed qualitatively through facilitator observation and participant feedback during practice and discussion sessions. The results show an improved understanding among participants in separating working capital from consumption needs, in applying a 40%-30%-20%-10% cash-allocation scheme, and in building the habit of saving to face the off-season.
Co-Authors Abubakar Hamzah Ahmad Hasan Yani Amanda Putri, Dominig Andi Anto Wahono Andika, Rahmad Andre Bustari Andre Bustari Annisa Qhonit Ad-Durunnafis Aqila, Foja Ayu Rafifa Ardiany, Yuli Armedi Tri Andri Astuti, Annisa Yulia Bakkareng, Bakkareng Bima Pramana Wiguna Bobbynus Kristian Wau Brilliansyah, Eko Chandrayanti , Teti Cintia Wulandari Citra Aina Ulyah mj Cory Febrina Danyl Mallisza Dea Lewiska, Hara Defriando Delvianti Delvianti Delvianti Dessy Rahmawati, Dessy Dian Surya Marta Diapepin, Mukti Dica Lady Silvera Dica Lady Silvera Dina Adawiyah Dita, Sri Dwi Andika Fauzan Febriyeni Gulo, Junianus GUS ANDRI Hadya, Rizka Handayani, Diah Wahyu Hartawan, Wahyu Kurnia Haryati , Rice Hia, Yupiter Kristian Hosra Afrizoni Ilona, Desi Jacky Pratama Putra JAMILAH Lady Silvera, Dica Laoli, Reski Putra Lira Netriadi M Fadhillah M, Agussalim Meri Dwi Anggaraini Meri Dwi Anggraeni Meri Dwi Anggraeni Meri Dwi Anggraini Meri Yani Nancy, Delori Nazamuddin . Nduru, Iman Berkat Nofi Zahara Nopri Nanto Nova Begawati Novi Yanti Novi Yanti Nurul Pratiwi Oktaviandika Rezki Putra Otonia Lawolo Pranata, Roby Pratiwi Intan Wulandari Putra, Dasmi Putri, Rismadina Nauli RAFFI SAPUTRA Rafi, RafI marfiyan nasti Rahman Wahid Jailani Renol Destitama Yoga Rice Haryati Riki Sudirman Rina Asmeri, Rina Rizka Hadya Rizqi, Aydia Rosi, Suci Della Samsul Rahman Sandevania, Ririn Sari, Ulpa Kurnia Seprina, Elita Silfia Rini Silvera, Dica Lady Siti Hajar Sofyan Syahnur Sri Mulyani Summiati, Summiati Sunreni Sunreni, Sunreni Susanti, Refi Susi Yuliastanti Susi Yuliastanty Susri Yulita Syafri Ronaldi Syafriana Teti Chandrayanti Tifani Ratu Firdaus Tifani Ratu Firdaus Trisnawati, Lia Ulpa Kurnia Sari Ulpa Kurnia Sari Utama Putra Jaya Utami, Uliya Veronika Findarwati Vina Maura Oktaruni Virga Zedio, Dito Vivi Andini Widiani Putri, Syafda Wila Khairati Windy Ade Afiolita Yani, Meri Yanti , Novi Yedo Yendra Yolanda Fitxy Farlina Chaniago Yopi Risma Fitri Yudi Yuli Ayu Putri, Sri Yulia Syafitri Yulistia Yulistia Yulistia Yuskam, Rica Putri Yusro, Ali Zaitul Zaitul